vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Other XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX  ) Account # XXXX Date Opened : XXXX Balance XXXX Other CREDIT COLLECTION SERV ( Original Creditor : 06 XXXX XXXXXXXX XXXX ) Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX XXXX XXXX Account # XXXX Date Opened : XXXX Balance XXXX Other XXXX  Account # XXXX Date Opened : XXXX Balance XXXX Mobile XXXX XXXX Date Opened : XXXX Balance : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I learned through junk mail from other companies that this law firm XXXX, XXXX and XXXX ( XXXX  ) had filed a case in court against me. I called Calvary and then the law firm to get more information about it, and then once they explained where it was from, I explained to them that my financial situation has not changed, and in fact has gotten worse.

I initially spoke with one rep, who had a flat affect but eventually agreed to submit an offer. She wasnt able to answer questions regarding the terms and conditions and suggested for some of the questions to ask Calvary and then I also asked for a supervisor because I wanted to make sure I understood what the law firm was doing as well because it seems confusing. For example, the attorneys refuse to speak directly with the consumer unless it is in court.

The call got disconnected- I just heard dead air, so I called back so I could complete the offer request. 

I told the rep XXXX, that I only had a specific amount of money, which was about 25 % of the balance. I explained that I am not working at the present time and I don't foresee this changing in the near future despite my attempts to find new work and apply for unemployment, etc. 

She refused to submit my offer for XXXX to the company. When I began to cry and ask why, she said that I was being a bully and accused me of being forceful/aggressive when I am simply offering the company all I have. I have a recording of the call, that specifically showed that she refused to submit the offer and then went as far as threatening me with the outcome of the lawsuit and said I wasn't being realistic. She then went on to say that her company is willing to take this to court all the way and threatened me with interest accrual, etc. 

I told her that the amount I offered was all I had in the savings account. I asked if she was not interested in the money that I have, she said " yes '' " We are prepared to go forward with the court date, that doesn't change our position. Our client wants to secure a judgement. You are trying to bully me into accepting an offer. I cant change the fact that you have a balance of almost XXXX you aren't being realistic. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount. 
The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI. 
Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TekCollect Inc.
State: CA

Complaint narrative:
I received notice that my insurance paid 100 % of the contracted payment amount permitted for a surgical procedure. Subsequently I received a credit alert showing a collection account on my credit bureau. I immediately contacted & resolved the discrepancy with XXXX @ XXXX XXXX XXXX XXXX with the assistance of my insurance company. XXXX assured us that the collection reporting would be removed from my credit reports, but, it was only removed from 1 credit bureau not all 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian website will not allow me to place a security freeze on my account. When I call to place one by phone, I am told that I can't speak to a person and am only given the option to place a freeze on the website or by mail. I am not comfortable mailing the documents they are asking for, which seem to be more than is necessary.

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 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I was unable to pay my mortgage ballon payment of XXXX by XXXX to Mr Cooper. They placed me on a six month forbearance plan and told me they could extend it to twelve months if needed. They called me every month for progress and I told them I would need an additional six months. At the end of XXXX they said I would be extended and to call back XXXX XXXX and when I called, they informed me I could not. They referred me to another department that said I could get three months on a pandemic relief plan. I signed up for it on XXXX XXXX and checked on it today and there is no record of it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX. I have had an account with Citibank for years and it is a shared account with my mother, XXXX XXXX, and sister, XXXX XXXX. My sister went on XXXX to look for a job but got scammed in the process. This happened in the month of XXXX. XXXX and I have a shared account and because of this, my funds of a little over {$4500.00} disappeared down to {$0.00}. XXXX called Citibank to let them know she was scammed and the things she has to do to get back my funds. Citibank told her if she filed a police report they WILL refund her the money. On XX/XX/2021, XXXX went to file a police report. In XXXX, everything was confirmed and the police report was completed. In XXXX, my mother XXXX XXXX went to pick up the Police document and went to Citibank to finalize the situation. When this happened, she was told it was too late. Citibank never told us there was a deadline to anything nor made us aware of one! Citibank also stated she would have to close all the accounts, and neither of us can no longer do business with Citibank. We got scammed twice once from the scam XXXX and another from Citibank. I also called Citibank during the entire month of XXXX and none, I mean no one, could tell me what had happened to my money. I felt like I was going insane.

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 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN LOAN CORPORATION
State: CA

Complaint narrative:
When my loan closed with Franklin Loan XXXX in XX/XX/2020, they collected 3 months of hazard insurance {$100.00} x 3 = {$310.00} and 4 months of Property Taxes {$530.00} x 4 = {$2100.00}. which would be a total of {$2400.00}. My loan was sold to XXXX Mortgage in XXXX before the 1st payment was due. When I received the Notice of Servicing Transfer letter from XXXX Mortgage, it indicated my escrow balance was {$1900.00}? therefore, I am owed the difference of what was collected vs what the amount in the escrow account was, amount due to me is {$510.00}. ( See attached settlement stmt ). 

At the time of closing {$3200.00} was wired to Franklin Loan XXXX to be held to pay to the 1st half taxes. When XXXX Mortgage paid the 1st, half taxes they used the funds in the impound account, which has now caused an escrow shortage. XXXX Mortgage has indicated they did not receive the {$3200.00} that was being held for the 1st half taxes and it also appears they were shorted the amount that was being held for the impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SY plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
HI Ntl Recovery Agency ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this 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 correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.

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 2021-06-21 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof 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. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The XXXX credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-06-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: CA

Complaint narrative:
I recieved a new credit card in XX/XX/XXXX. Upon reading the information documents enclosed I decided not to activate the account. no communication was made to activate the account after receipt of the Account Summary Table and interest rate documentation. 

I received a bill in XXXX of XXXX, that showed billing for the {$99.00} annual fee. Sent the pay coupon back to Barclays annotated that the account was never authorized and the fee should be removed. 

Sent a letter to Barclays in XXXX requesting annual fee charges be removed, the response from Barclays in XX/XX/XXXX was Unable to complete the request. 

During my pursuit to refinance my house loan the credit report came back with a 90 day past due on this credit card reducing my credit rating thus requiring a higher loan rate than originally quoted. 

Barclays has, as of XX/XX/XXXX, set the fee owing to {$0.00} and closed the account however the XXXX0,60, and 90 past due records are still reported on my credit report as confirmed through a XXXX XXXX discrepancy filing XX/XX/XXXX. 

I believe that these charges should never have been assessed, I never paid the bill, Barclays rescinded the charge for the card that was never used nor authorized. They need to correct this reporting. The cost to my family is in excess of {$9000.00} due to the higher interest rate assessed on my refinance loan. 

This record needs to be amended on my credit report by Barclays.

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 2021-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via XXXX. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called Chase customer service on XX/XX/2021 and reported the XXXX scam. They said they would file a scam report with XXXX and go from there. The next day XX/XX/2021, I received an e-letter stating my claim was resolved and no action would be taken. I contacted Chase customer service again asking about the details. I got a XXXX case number XXXX from them and then I called XXXX XXXX customer support. I could only reach XXXX 's in-app customer support and they couldn't look up the case number because I was using XXXX with a bank not the XXXX app. They transferred me back to Chase customer support once they heard that I was using Chase to send XXXX payments. Finally I got connected with a Chase customer support who knew what was going on. That person told me frankly there was nothing Chase could do other than filing a report with XXXX and wait on the results, because my case is scam ( I sent the money willingly ) instead of a fraud ( money was gone without my knowledge ). I haven't heard from Chase or XXXX on this matter so far. I've also filed a police report with Houston XXXX. 

More background on the scam : I saw the sublease post on XXXX Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for XXXX but now unregistered ). I paid a {$500.00} deposit via XXXX during the signing. Afterwards, the scammer can no longer be reached. 

Original XXXX post was deleted : XXXX XXXX XXXX

Company response to consumer: Closed with explanation