vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: APLUS INSTACASH LLC dba A+ FINANCE
State: NC

Complaint narrative:
I have been with XXXX XXXX for over a year and have been making the payments on the credit builder loan. Recently the app has been taking my money but displaying that im behind on payments for the loan. I have been asking XXXX XXXX  for almost 3 months to fix my app they tell me over and over they are filing tickets or contacting supervisor or engineering and the app says im not paying. All i want is for the app to display the correct thing I have contacted my bank and they stated XXXX XXXX surely has the money. I have the bank statements. I have spent countless hours on the phone, in chat and emails asking for help and arguing about fixing this i have proof of those contacts as well still XXXX XXXX continues to take my loan payments but display im not paying. All i want is for my app to be fixed everyone says they are putting in for it to be fixed but still no one can fix it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FactorTrust, Inc.
State: TX

Complaint narrative:
That fax number is all over their website yet it is not functioning - and hence they are deceiving consumers by directing them to fax information when they know the fax number does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Soja Management Services, LLC
State: FL

Complaint narrative:
I was recently contacted by the company claiming that I owed {$24000.00}, However, I feel that I have been defrauded. The amount I was told originally was {$290.00} and after I had the car, the amount changed and I told them that I was not happy with the amount. They would not tell me my APR. They kept asking me to sign documents and I was not comfortable. I did not receive any documents in the mail or by email regarding any bill. I have contacted them twice requesting documenation, and have not received a response. 

They since have taken the car as a repossession a few days after they claim it was due without my knowledge. I received a bill of {$24000.00} that I do not feel responsible because I have been trying to give it back since I did not sign anything because I was not provided or disclosed an APR and I was promised one amount and told another after I had possession of the vehicle. I was lied to about how much I would pay. I was also given a damaged car and was promised that it would be fixed I am XXXX and have a learners permit. multiple times and I was called in to sign multiple documents. I was not contacted regarding payment of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
Received the attached letter from creditor attempting to collect a debt that I do not owe. The debt is a fraud, the letter might violate the law by concealing the Fair Debt Collection Practices Act required 30 day dispute wording on page 2 of the attached document. I dispute the fraudulent debt described in the attached document entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I think BMO Harris will avoid paying for the XXXX usd stolen from my money market account due to a technicality They require a police report, my local police wont take a report. I have never been able to speak to a human with XXXX police. And they just rejected my case due to a computer glitch BMO MUST either make an exception to the requirement for a police report or file it themselves

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 2020-12-23 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 — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Ad Astra Recovery Service is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is currently reporting an account it alleges I have with them. 

I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me. 

Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt. 

Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: VA

Complaint narrative:
I am writing to you to block FMS FINANCIAL Solution ( Original Creditor : XXXX XXXX XXXX XXXX XXXX from my report immediately. I do not owe this debt. This is inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility.

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 2020-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
XX/XX/XXXX PHH/OCWEN XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern, I would like for this letter and documentation to go on record. On XX/XX/XXXX XXXX EST I spoke to a representative of PHH/OCWEN by the name of XXXX and he instructed to submit a letter stating my only source of employment is with XXXX  and no other entities, which I have attached. 

As my conversation continued with XXXX, he stated to me he was instructed along with his other colleagues to cease and decease contacting me requesting documents for my modification application. XXXX, stated to me I have to contact PHH/OCWEN and inquire what documents are needed in order to move forward with my modification request. This does not make sense to me since I am the consumer and they are the processors. How would I know what documents are needed if they dont initiate the request? 

I have attached a letter of explanation stating I am only employed by the XXXX  XXXX  XXXX  as a XXXX XXXX. On XX/XX/XXXX I emailed my XXXX Income Tax document along with my last two pay stubs from XXXX  and the application for Mortgage Assistance for re-modification. 

On XX/XX/XXXX, I applied for a refinance loan instead of a modification. I paid for an appraisal, submitted several documents to the refinance department under XXXX XXXX, three months went by and no one told me that my forbearance had to be brought current before I can apply for refinance. I submitted several emails to XXXX XXXX, wrote several complaints to CFBP, and Federal Trade Commission to get someones attention. After several complaints from me I received a response from XXXX XXXX, Manager of the Refinance Underwriting Department who explained to me she would have to close my refinance application file because my forbearance was not brought current. For the past 14 years I had my loan with OCWEN/PHH mortgage and it has been nothing but chaos and unethical practices with their unreasonable timelines and threats of foreclosure. 

I have forward a copy of this letter to the listed below. This is not first encounter with OCWEN/PHH Mortgage as the company continues to undermine their customers During the forbearance process OCWEN/PHH repeatedly request the same documents, therefore dragging out the process until stated deadlines have passed and disqualifies me for possible mortgage assistance. 

XXXX XXXX XXXX Cc Department of Housing Fair Act US Department of Housing and Urban Development District of Office of Attorney General XXXX XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
I have called Phoenix Financial numerous times to get this off my credit. It was paid on XX/XX/2020. They say they will report as paid off but yet its still there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It started on XX/XX/2020 I arrived on vacation with my family at XXXX used my debit cards fine, but by XXXX than evening I had a " {$880000.00} '' hold on my account. I call that evening, no one know nothing. 
Woke up the next morning a Friday, called all day no one still knew nothing. I was forwarded to a recording that says the account was hold for my protection and was not in danger of closing. 
Called all day Saturday, was forwarded again to all departments no one knew nothing again.. But meanwhile my family and i can't eat or drink because I have no money .... 
Called Monday nothing again, Called Tuesday nothing but ... XXXX Now my online access is gone and my account is closing because of fraud! No phone call, no email, Nothing! I am without money, food and my family will not be having a XXXX XXXX. 
Bank Of America needs to stop as they are playing with people lives.

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 2020-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2020 a wire transfer was initiated from my account in Citibank USA to my account in XXXX in XXXX XXXX. To this day, the funds are not available in the XXXX account. 
I have been in contact with both, XXXX branch in XXXX XXXX and with Citibank. They provided no solution yet. 

I am both the sender and the recipient. 
Last month, I claimed a reimbursement to Citibank and their answer is that the funds were made available to the recipient by XX/XX/2020. 

Looking forward for a positive solution on this matter.

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 2020-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2020-12-23 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
The Money Source suddenly increased our escrow payment by $ XXXX/year with no increase in taxes or home insurance. We also saw a starting balance in XX/XX/XXXX that didn't match what the previous mortgage company showed prior to the transfer. When we contacted them as to why they stated it wasn't because those had gone up but because they could legally ask me to pay more. 

When I pointed out that their escrow statement they sent me was missing XX/XX/XXXX and another month in XXXX they said they would 'look into it ' which was over a month ago and they never did. 

I then asked them to remove the escrow account so I could pay it myself and did so in writing as outlined on their website. They waited a month to mail the paperwork, which I still don't have, and are still asking me to pay the {$1700.00} more upfront on the escrow with no justification and did not honor my qualified removal request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My specific complaint is that Capital One Credit Cards apparently changed to a " floating : '' billing cycle and this make it impossible to know the exact end of the billing cycle each month. Used to be the XXXX, now it apparently floats and they indicate nowhere on the statement of the app what the closing date for the next month is. I've worked very hard to maintain XXXX balances and this changes has caused me to have a balance for this month. The lack of transparency on when the billing cycle closes is very problematic for the consumer. I called them and they basically told me to go kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
OnXXXX I ordered XXXX gifts snd called kohls 6-8 times to let them know label stock in system creation date XX/XX/20 XXXX. Order # XXXX snd out of all people I talked to supervisors and agents etc. they told me item will be here XX/XX/20 tomorrow is XX/XX/20 label still stuck in system. 
Moving forward on XX/XX/20 I ordered # XXXX and its going to be here on Monday XX/XX/20. Where is my first order? Im so frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CapitalOne closed my account while saying it was restricted and continuing to take payments over {$300.00}. I spoke to customer service to let them know payments from my old checking account no longer worked and made new payments from a different checking account. They thanked me for letting them know and took the payment all the while saying the account was restricted not closed but having actually closed the account. Their app still shows the card as restricted not closed and they claim to have sent correspondence that was never received and claim they had every right to take payments while misconstruing the accounts status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Paid the debt in full to XXXX

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 2020-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UHG, LLC
State: NY

Complaint narrative:
I received a notification from the court that said that I did not appear to court on time and the letter did not tell me the time either, and then it appears that it was in early XXXX when I received the notification a week ago. One week after the 1st notification I received the demand for payment. and obligation now i don't know what i can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Paid the debt in full to XXXX

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 2020-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC
State: CT

Complaint narrative:
I entered into an agreement with Schreiber Law to resolve a XXXX account. The agreement was for 12 monthly payments. On the XXXX payment, made in XXXX of XXXX, Schreiber Law applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized Schreiber to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at Schreiber, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from Schreiber on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called Schreiber on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.

Company response to consumer: Closed with explanation