vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I keep receiving letters demanding payment for {$170.00} for XXXX XXXX XXXX XXXXXXXX XXXX, account number XXXX. 

I've contacted XXXX XXXX XXXX XXXX  and they don't have any information to assist me because I am a MAN. 

I have never been to XXXX XXXX XXXX XXXX. 

I've contacted BC Services and they insist that I am liable for treatment.

If this bill is for medical services or tests, please make sure to include the da

te, time and type of service provided. Ive been the victim of many duplicate charges and need as much documentation that you can provide so that I can match it with my payments. It is also very important to include all signed agreements for medical services. PLEASE MAKE SURE TO INCLUDE
ALL SIGNED CONTRACTS FOR THE AMOUNT DUE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Resurgent Capital Services, has been harassing me by way of extortion by attempting to collect on an {$1300.00} extension of credit I provided XXXX  XXXX BANK. Since XX/XX/XXXX, every other day until present day ( XX/XX/XXXX ). 
Ive received over 20 unauthorized emails with offensive obscene & profane language. Each email claiming I owe an alleged debt for extending credit to another business. These false claims that I am in debt are obscene and is causing mental and emotional distress and injuries. In addition, I never gave Resurgent Capital Services direct consent to contact me and attempt to extort me of an alleged debt of {$1300.00}, pursuant to 15 USC 1692 ( c ). My reputation is being attacked and my character by the repetitive profane language used against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
Approximately in Mid XX/XX/XXXX, I requested from my mortgage company, Movement Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, a review of the PMI after completing extensive renovations on my condo I purchased in XX/XX/XXXX. The renovations were extensive and a complete gut out. At the time of original purchase, the estimate for this condo returned $ XXXX approximately in XX/XX/XXXX. We only put 10 % down knowing a full renovation was going to be done, we were ok with the PMI insurance. Fast forward to now XXXX XXXX, XXXX, a Broker Price Opinion ( BPO ) was requested by Movement to reasses the condo ( ocean front/water front in the prestigious community of XXXX XXXX XXXX ). The estimator was egreciously wrong in the estimate and used properties to compare that did not meet the standard. The new BPO came in at $ XXXX, essentially indicating that over XXXX in renovations only garnered an increase of {$4000.00} and on top of the raising costs of home evaluations in 6 months. I emailed Movement Mortgage ( in response to their email - indicating that they could not remove the PMI because the evaluation came in at 84.8 % LTV and an 80 % LTV is needed to remove PMI ). Comps performed by my realtor came in as I can sell the property today at {$530000.00}. I believe the estimator/evaluator is wrong and Movement mortgage is continuing to perpetuate the PMI with these estimates that are not accurately fraudently collecting PMI when its not necessary. I've asked for another estimator to review and I appealed the original BPO. I have not heard back from Movement Mortgage since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My loan with Dovenmuehle XXXX XXXX was paid off in XXXX of 2021. I have reached out to them multiple times to receive the deed and have still not gotten it. I'm trying to sell the property and need the deed to complete the transaction. 4+ months to get this me is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: MD

Complaint narrative:
I was recently charged a {$3.00} " Paper Statement '' fee on my Key Bank Checking account. 

I am not worried about the {$3.00} ; however, to ensure this fee was legitimate, I contact Key Bank ; and requested they provide me with the terms and conditions of my account as this was a new charge. They said that they previously mailed it. I requested this in mail, again, -- -but they said that they could not do this ; as it was online.

I asked them to show me, where on my online account, it was ; and after being disconnected twice- they finally directed me to a public page -- -that had some information; but said nothing about the {$3.00} ( There was a different page that actually said 1 statement a month was free ; and additional requests were {$6.00} ). 

When I attempted to contact them again, I reached the same chat representatives ( XXXX and XXXX I tried multiple times to re-connect ; but they disconnected me each time. 

It appears as though Key bank is not being transparent with fee schedules and other terms and conditions with my account ; as they will not send me this by mail ; at my request -- and they have been unable to show me how to access it on my online account after several attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX My spouse contacted Chase about return of her misdirected bill pay payment of {$1800.00} to Chase.com. It was intended for our mortgage company - not Chase. Our balance owed to Chase was {$50.00} or so and was paid separately.

Repeated calls to Chase- with long wait times often more than 30 minutes- yielded conflicting and unhelpful replies about correcting the repayment. Including that our bank XXXX XXXX needed to send documents to Chase to facilitate the correction which Chase reps said were received on XX/XX/XXXX. 

XX/XX/XXXX Chase advised an electronic refund payment would be made to our checking account at XXXX XXXX within 3 to 5 business days. 

XX/XX/XXXX Having received no payment, we called Chase again. Rep, XXXX XXXX told us that payment would be sent to XXXX XXXX by XXXX. that day. 

XX/XX/XXXX According to XXXX, payment was still not received. We called Chase. The rep advised that the bank had no detailed record of our calls, including that payment was due to be sent by XX/XX/XXXX, even though other reps assured us that a record was being logged. This rep said we might receive email notice within 72 hours about a means to facilitate a " good faith refund '' by electronic transfer. If no email is received, a paper check would be sent to our residential address within 10 days. 

The rep added that this step indicated a failure with Chase 's error correction process and noted that we were filing a complaint with Chase for same. 

In addition, our bank, XXXX, was not supportive in working to correct the error despite promises to work with us and Chase. 

At this point, Chase will have wrongfully had our money for more that 30 days. We find this unconscionable as this far exceeds any balance otherwise owed to Chase. They have no right to the payment. It was a mistake. They are at best incompetent in resolving this and worse negligent maybe even willfully so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Minto Financial dba Minto Money
State: MD

Complaint narrative:
I just started noticing payments of {$240.00}. Being taken out of my account since XX/XX/2021. I never applied for a payday loan and when I got the loan document my personal information was incorrect and the loan was for {$900.00} and the repayment is {$4800.00}. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: International Financial Management
State: FL

Complaint narrative:
Fraudulent account

Company response to consumer: Untimely response
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
My actual issue is with two debt buyers who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned accounts be removed from all three of the credit bureaus. 

XXXX XXXX Account # XXXX Portfolio Recovery Account # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
A payment was made in full of {$6900.00} for balance on card on XX/XX/XXXX by my XXXX company ( XXXX ) to pay off my debt and received by Barclays on and processed on XX/XX/XXXX and to this date it has not been dropped from my account. I inquire about this issue several times and was informed on XXXX XXXX that they did not have payment and an investigation would start and it would take 30 days. However I received a dated XX/XX/XXXX indicating that it would take another 45 days for investigation. In the mean time I have been incurring fees and interest. I have documents to indicate receipt of amount and letter from Barclays of further investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to American Credit Acceptance within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Identity theft Fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I applied for a credit card from my bank. My partner co-signed. His credit score is much higher than mine. Mine is about a 698. We were both denied because one of the credit reporting agencies has a record saying that I filed bankruptcy. I didn't file for bankruptcy. I believe there was an action of consideration to file for bankruptcy to buy time on a legal matter dealing with my home. The legal matter has since been completely resolved. But, never at any point did I actually file for bankruptcy. I was denied a credit card based on this erroneous data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to XXXX XXXX XXXX within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have tried to contact cash app about a fraudulent payment but they refused to provide me with the documents they used to investigate and deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On this date, XX/XX/2019 company opened a collection. 
Account # XXXX {$620.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Commercial Collection Corporation of New York, Inc.
State: MD

Complaint narrative:
I have been victims of an Identity theft, I fill up a FTC report twice but the information came to me verified by XXXX. That collection is the only negative Item in all my credit history and I have it recorded only with XXXX. I have nothing to do with that account I never leave in that address reported by the collection is not attached to my credit report. That account is stopping me from moving on with my live. I'm unable to qualify for a simple apartment with my daughter because of that. Please sir I really need your help on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been eight years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Do to corona Virus COVID-19During the shut downI lost my business at that time And I called my mortgage company To explain my situation and that I can't pay my mortgage payment, No mortgageCompany Offered me Forbearance plan until my situation get better And I be able to pay my mortgage and I request the mortgage company for loan modification after I Submit all my documents they didn't Qualifying me for loan modification they denied me and they refused to work with me to save my house they refused to take my mortgage payment and the refused to pay them what I owed them on stalemate payment, mortgage company they threaten me to pay them what I owe in one payment Otherwise they threaten me Foreclose on my house or short sale, please i your help to save my house to raise my XXXX kids, thanks very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On this date, XXXX XXXX, 2016 company opened a collection. 
Account # XXXX {$700.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation