vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
Re : Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY To Whom this may concern : As I have not heard back from you in over 30 days since my formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me XXXX, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XX/XX/2021. 

I have copied the XXXX XXXX XXXX FTC & Attorney General of Washington.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This complaint is due to nonresolution of the prior complaint, ID XXXX. 

I appreciate XXXX XXXX 's response to my complaints filed through the Consumer Financial Protection Bureau and the Attorney General of Pennsylvania. I also appreciate receiving a credit of {$690.00} to my statement dated XX/XX/XXXX. 

In my original complaint ID XXXX from XX/XX/XXXX, I requested 1 ) that the error be corrected, 2 ) that any finance charges related to the disputed amount be credited to my account, and 3 ) that I receive an accurate statement. In Barclays Bank 's response authored by XXXX XXXX and dated XX/XX/XXXX, Barclays is unable to substantiate the claim that I continued to accrue finance charges related to the fraudulent charge. I am submitting a schedule that details substantiation for the claim that I have continued to accrue finance charges related to the fraudulent activity on my account ( encl B ). Additionally, I am submitting copies of the monthly statements showing the interest charges, monthly account balances, and my regular payment of those balances ( Encl B1-B7 ). 

You will see that my XX/XX/XXXX statement includes the fraudulent charge as well as a finance charge of {$22.00}. With each statement, I paid the statement balance less the {$690.00} fraudulent charge less the interest charged for the current billing cycle less the total prior interest charges. As you can see on my schedule, each month I paid the statement balance in full less the total amount that was disputed. 

As in my original complaint, I will not consider this matter closed until I am refunded {$180.00} in total finance charges related to the fraudulent charge. I attempted to call XXXX XXXX twice regarding this matter but received no response to the voicemails I left, so I am sending her the correspondence in writing.

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 monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX  XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: WA

Complaint narrative:
Mobiloans charges usurious interest rates and fees. They try to hide under the tribal cloak to avoid following state law. I called to see if I could set up a payment arrangement/hardship program to potentially lower interest or stretch payment out and they said that they do not offer this and would have to make full payments when they are due.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Re : Inability to manage Equifax Freeze I have been trying for multiple days to manage an Equifax Freeze online. I kept getting a message online to call. When I would call I would get a message that said manage freeze online. I finally spoke to an Equifax employee and no matter what I asked all she said was, I am unable to help you, please call again later. 

No explanation saying upgrading server, just try again. And I have been trying since last week. This is for a loan for a car that my credit union only works with Equifax. 

This company, Equifax, has the ability to deeply impact my life, holding onto my information and I have no control over or recourse against. And all they have to say is, try again later. 

Equifax needs to be held accountable. Right now they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I was diagnosed with XXXX in XX/XX/2021. I was very ill for two months and was not able to work during that time. I reported my illness to TD Bank but did not receive a response back. TD Bank reported a late payment of my Target credit card bill but I could not pay the bill due to my XXXX  diagnoses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
on XXXX I got an alert that a new account was opened in my name with XXXX. I did not open allow it to be opened or gave permission for an account with XXXX to be opened. I have filed a complaint with the FTC and the XXXX county sheriff 's office this has been an ongoing issue. please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: RI

Complaint narrative:
Was with a mortgage services prior to this one, I was in a modification that I was told would be permanent, last year they raised my payment and interest and was in the process of working with them last year during COVID lock down and was repeatedly told they were going to help and for us to continue to send in our modified payment which they took. Beginning of this year our mortgage was transferred to this servicer and they are not willing to work with me. In XXXX my husband past away

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK FUNDING, L.P.
State: TX

Complaint narrative:
We recently purchased a home from Colina XXXX  in XXXX, Texas. Originally when we contracted on the new home Colina offered us {$6500.00} in builder credits if we used Colina Mortgage. Once we were with in 60 days of the construction being completed we started to work with Colina Mortgage. Colina Mortgage came back with a high interest rate of 3.4 % when other lenders where offering 2.99 %. The Colina Mortgage Rep said we could use the builder credits to buy down the points. Which would use all of the builder credits making it pointless. I then found another lender and informed Colina that I would not use their mortgage company at that point the pulled all the builder credits and would not pay any of the fees at closing. At the same time they demanded that we use their Title company and would not allow me to choose my own title company even though I was paying all the fees. See attached emails. Their VP of Sales also emailed and stated that they do not fall under RESPA guidelines because they dont use TREC documents. This caused more delays with their title company and more cost incurred by myself and they also delayed the completion of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I purchase three money orders for an apartment deposit. I did not get the apartment so they refunded me my original money orders I went ahead and deposit my money orders through the bank the bank accepted my money orders and sent it to the company decline my money orders saying that they've been altered and that I need to get get it notarized and sent in the notary letter as well as copies of the money orders and my request for a refund I did that nothing I called today and was told that I need to pay {$15.00} for each money order request and they never received my emails but the first two representatives never told me that so they're holding on to my money which is XXXX and XXXX dollars every form they told me to do I did it and when I call the next person will tell me that I was given the wrong information that I needed to do something else so it feel like I'm getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Department of Education and all 3 credit bureaus along with Nelnet continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

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 2021-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am trying to take advantage of the VAs Interest Rate Reduction Refinance Loan, as suggested by my new mortgage company. It has taken several months to complete the process. I have had closing cancelled twice within 24 hours of the scheduled meeting because the company is waiting for subordination approval. I called the bank with the HELOC, and learned that Freedom Mortgage first asked for the wrong amount XXXX {$3500.00} too low ) and the second time, didnt sent the updated request.

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 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to Capital One but did not receive a response back. Capital One reported a late payment of my Walmart credit card bill but I could not pay the bill due to my XXXX  diagnoses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Association has placed a debt collection on my credit report that is a result of fraud. I do not owe the debt and have no knowledge of it. I requested they send me documentation showing that I borrowed or entered into a debt with them and they have refused to. They asked me to verify my SSN and when I provide my SSN, they tell me it does not match their record and they refuse to provide the details of the debt. Yet, they have listed the debt on my credit profile and have or are causing me terrible adverse effects. They have provided a second SSN on my credit report which I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SL Finance LLC
State: MN

Complaint narrative:
On XX/XX/2021 a " XXXX XXXX '' from " SL Finance '' called and used manipulation to hack into my Federal Student Aid Account and gain access to my Federal Loan information. They then had me sign a fake contract requesting XXXX payment for 5 months to assist with my loan repayment. They also filed a Forbearance Request under my name. They gained access to all of my personal information including social security number, address, and contact information. They stated they were from the Department of Education and a government entity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
My mortgage was with XXXX XXXX for about 13 years, then they sold it to Rushmore Mortgage Company. Rushmore falsely claims in a statement of theirs that I did not pay my mortgage XXXX XXXX XXXX and XXXX of 2021 and I did so. XXXX XXXX had my mortgage at that time, Rushmore did not receive my mortgage account until XX/XX/XXXX of this year. They reported this to the credit bureau people and now I have a bad credit score. I was just ready to refinance in XXXX and now I can't because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account. 
I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!

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 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TN

Complaint narrative:
I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to XXXX XXXX XXXX  but did not receive a response back. XXXX XXXX XXXX  reported a late payment of my loan bill but I could not pay the bill due to my XXXX  diagnoses. My XXXX XXXX loan is through SeedFi

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: OneMain Finance Corporation
State: NM

Complaint narrative:
One Main is reporting late notations for XX/XX/21, XX/XX/21, XX/XX/21 and I ask that they please remove them. Due to the unforseen events with Covid cases spiking up again, my job hasn't been offering employees their full hours and it has really impacted me. I struggled for a little to get my budget where it needs to be and had to go a few months to just pay necessities. I ask that One Main please make a goodwill exception and remove the late notations this XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
Ruoff Mortgage company has failed to apply my Homestead exemption applied to my mortgage since XX/XX/2021 until today. I received an 'escrow projection analysis 'with an letter of increase in my XXXX payment going forth from {$630.00} to {$720.00}. This 'escrow analysis ' stated an ' shortage ' of {$490.00} being outstanding to be paid based on a guess. To my understanding information provided by Ruoff, I had an increase of {$0.00} for my homeowners insurance and another increase of {$1.00} for something else for 2021. I submitted my Homestead exemption of 60 % to Ruoff once it was approved by Indiana Assessors office in XXXX of 2021. Ruoff has neglected to update and apply Homestead exemption, by extending ' work order dates ' to apply and correct. I have been given 3 different dates to apply since XXXX of 2021. Today I found out through Ruoff customer service that ' Homestead exemption was applied on XXXX XXXX, however a step was skipped in running current ' tax line ' to apply exemption correctly. Ruoff customer service rep, today opened another ' work order ' to have tax line properly ran to apply Homestead exemption. I was given a date at the end of XXXX to call Ruoff back to update me on the work order, being properly applied.

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