vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IL

Complaint narrative:
I took out a loan for {$8000.00} to handle some debt. I agreed on a 3 year term to payback {$300.00} every month. I have 10 months left to finish. They gave me an option to change my due date because the way I get paid has change and this was a year ago. I never had a problem paying and I'm always on time. I even have an option to pay the XXXX earlier than the due date. This is where the problem happen on XX/XX/XXXX I paid the XXXX and it was deducted from my account. On XX/XX/XXXX, they sent an email stating there was an error on their end and my amount was not drafted correctly so they went and drafted the amount themselves. The way I handle my finances I did not have the amount to cover it which left my account negative. On top of that I have rent of XXXX that was coming out of my account on XX/XX/XXXX with a paycheck of XXXXand my lights and phone was suppose to be paid with that check. Which left my account XXXX on top of the over draft fee my bank charge which was {$35.00} and I do not have the funds to cover the next over draft fee. The lending company agreed to refund me the amount on XX/XX/XXXX but it will take 5 business days. For each day my bank account is negative I will have occurred an overdraft fee. This has left me in a messed situation and my bank can not overturn the amount either. I setup my payments accordingly and without warning or care they felt its ok to draft the money because their system was hacked or something. I should not be held responsible since I did my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing XXXX XXXX XXXX also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
***Please note. This is related to Binance.us, not Binance.com*** On Binance.us, I signed up to sell my XXXX that I have held in my possession since XXXX. I was not sure how to sell it so with the help of a friend, I sent it from my ledger to XXXX. I had XXXX XXXX. I was able to sell it and turn it into US currency. In fact, my current visible balance on Binance.us is over {$20000.00}. 

I quickly passed their " Basic Verification '', and was moved on to " Advanced Verification '', to which I had supplied all documents, and have been in " Pending Verification '' since XX/XX/XXXX. 

Their support area of their website says that if I even TRY to send a ticket, that, not only will it NOT be answered, but it could push my verification back even further. ( This scare tactic for a company who is holding {$20000.00} of my dollars is completely unacceptable. ) Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: MA

Complaint narrative:
I have contacted Portfolio Recovery Associates, LLC more than once now, I have sent them requests by certified mail regarding 2 collection accounts on my credit reports. One for {$670.00} and one for {$410.00} I have requested validation many times. I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. All I receive back is copies of bills from the original creditor I assume. Again these are not my accounts. I also told them that I am giving them a 30-day notice before filing suit. On XX/XX/2021 was my final attempt to Portfolio Recovery Associates, LLC to have these removed from reports. Again they keep on sending me a photocopy of the statement. I keep on asking them to please show me that I have ( or ever had ) some contractual obligation to pay you. 

Best XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied. 

XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem. 

XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received. 

XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone. 

XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse. 

I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be. 

There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues. 

We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing Midland Credit Management also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. 

Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. 

Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX I received the 2nd letter about a debt : from Resurgent Capital Services about a Pinnacle Credit Services Account # XXXX which is past the Statute of Limitations for enforcing this type of debt through the courts in Ohio have expired. 

This company has disobeyed my cease and desist order as seen in the attached as this company is a company tied to XXXX XXXX XXXX XXXX XXXX XXXX in which has the ease and desist order as per the USPS Certified Receipt listed I called Resurgent Capital Services to ask why they sent me another letter. The Associate stated they had the cease and desist order on file and could not answer any questions on the file. 

When asking why they sent me a letter again the Associate stated that he could only speak to me about the issue if I listed the account as non cease and desist. 
I advised He, his company, and any other fiduciary to cease and desist and they are in violation of that order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I requested to be put on a Covid forbearance plan in XX/XX/2020 via phone call and the company agreed to under the CARES ACT. Up until that point, I was on automatic payments. Shellpoint stopped the automatic payments as they were putting me on this plan. This was done as I was on the phone with them. There should be a recording of this call. I realized in XX/XX/2020 that Shellpoint never put me on the plan because I checked my credit and the score dropped. I immediately called back and they admitted no wrongdoing and failed to rectify the situation. I got the forbearance plan instated and it has been active from XX/XX/2020. I then tried many times to speak with my point of contact XXXX XXXX XXXX with no success. Also, they sent me a letter saying they determined an error did not occur. They did not provide any proof of this and have not provided me a recording of our conversation from XX/XX/2020 which would prove my setting up the forbearance and Shellpoint not following through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was sent a text alert by Chase Bank on XX/XX/XXXX asking if a charge was mine, it was not and I reported it and the card was closed. The next day I logged into my account and started the fraud reporting process on many charges that were on my account or pending. Chase refunded all the charges, I paid off the account as usual and we were squared away. 

In XXXX most of the charges reappeared on my account. I did not receive any mail explaining why and spent many hours on the phone being transferred around as they were confused that I was complaining about charges that had already been refunded. When I got to someone that understood they had been refunded once but charged twice she asked a few questions and said she would have the dispute reopened. She said the denied the claim of fraud because the card, with the chip, was used in person. Well, that's what happens when someone steals your credit card? 

I sent a letter outlining that the card was stolen and used in person, not by me. I do not shop at any of the locations of the charges, and pointed out that I do not shop in person in stores as these charges were, I am only doing delivery during the pandemic. 

Within days I got nearly the same form letter as the first time stating my fraud claim was denied with no options listed for recourse. 

The charges in question are XX/XX/XXXXXXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX  AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXX # XXXX XXXX AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX Total XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, my wife XXXX and I executed a mortgage to purchase our first home. For the last few years the servicer has been New Rez d/b/a Shellpoint. We recently refinanced, and on XX/XX/XXXX, the mortgage serviced by New Rez was paid in full. At the time of the payoff, the balance in the escrow account was {$5100.00}. 

By letter dated XX/XX/XXXX, New Rez provided an account history confirming the above escrow balance and stating that " the escrow balance of {$5100.00} and the unapplied fund balance of {$98.00} will be refunded to you in 20 business days of the paid in full date. '' Together these amounts total {$5200.00}. I have attached the letter and account history. 

On XX/XX/XXXX, we received a check from New Rez dated XX/XX/XXXX in the amount of {$3700.00} without further explanation. That's {$1400.00} less than the amount required to be refunded under 12 U.S.C. 2605 ( g ). I have attached the refund check dated XX/XX/XXXX. 

On XX/XX/XXXX, I called New Rez to notify them of the error and demand that it be fixed immediately. The representative ( XXXX XXXX ) spoke with a supervisor and informed me that New Rez made a PMI payment of {$490.00} on XX/XX/XXXX - well after the loan was paid in full. ( {$490.00} is equal to 3x the monthly PMI premium of {$160.00}. ) Accordingly, XXXX XXXX stated that we should expect to receive a second refund check in the amount of {$990.00} XXXX $ XXXX {$490.00} XXXX within XXXX business days. 

New Rez erred in advancing funds for PMI after the loan was paid in full. If, as New Rez contends, the {$490.00} for PMI was due since the beginning of the loan, it had an obligation to pay those amounts promptly and adjust the escrow account accordingly. In the more than six years since origination of the loan, New Rez failed to do so, in violation of applicable law.

Moreover, even if it was proper for New Rez to make the payment of {$490.00} for PMI after the loan was paid in full, New Rez erred in failing to refund the amounts remaining in the escrow account at the time the loan was paid in full, in violation of applicable law. 

We appreciate your help in rectifying this situation and holding New Rez responsible for unfairly and illegally withholding funds which they were required to promptly return to us upon payoff.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: NJ

Complaint narrative:
I'm trying to refinance my mortgage and need to temporarily lift a credit freeze. The website for Experian indicates that my freeze has been temporarily lifted, but the lender is unable to access my report. 

Worst of all, I am unable to contact a live human at Experian to help to resolve. Their telephone helpline deliberately omits any opportunity to speak with a representative, no matter which path one takes. They seem to provide no path to help me resolve the issue - this is very frustrating.

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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA

Complaint narrative:
Dear Sir or Madam : My husband and my mortgage loan servicing company, Lakeview Loan Servicing , LLC, XXXX. XXXX XXXX, XXXX XXXX, VA XXXX ; XXXX. XXXX XXXXXXXX, XXXX, PA XXXX ; and XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX, twice missed my hazard insurance payment in XXXX and XXXX. Instead of notifying us via email or by telephone, we received a letter stating we needed to get new insurance or Lakeview Loan Servicing would purchase it themselves. My husband and I purchased insurance on our own then forwarded proof of insurance to Lakeview Loan. Lakeview Loan then proceeded to pay the insurance on our behalf. We disputed this and requested immediate reimbursement. 

Additionally, Lakeview Loan has stated that our escrow payments have increased and we had a shortage of {$1300.00} that must be paid over time starting XX/XX/XXXX. After investigating why there was a shortage, we contacted Lakeview Loan and discovered the above failure to pay hazard insurance. Also, Lakeview Loan claimed our local municipality and county taxed had risen. We reviewed those taxes and the increase was approximately {$45.00}. 

We have disputed the additional escrow payment and requested the escrow account be deleted approximately 20-25 days ago. This has not occurred and Lakeview Loan is still requesting the additional escrow shortage and has yet to reimburse us for the hazard insurance payment. 

We have never missed a payment on our mortgage even during the trying times of XXXX. Our demand is that Lakeview Loan reimburse us immediately for the extra hazard insurance payment, immediately delete our escrow account and refund us any remaining escrow, and provide us with a new statement showing the amount of principal, interest and PMI we owe from XX/XX/XXXX forward. 

Sincerely, XXXX XXXX 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 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received a Cash App Card in the mail on XX/XX/2021, with my name on it - I never applied for it. It says it is a Visa DebXXXXt card. I don't, and have never, used any products provided by Square , Inc. 

Looking at their website, it seems bare minimal information is needed for a person to apply for a Cash App card - name, address, DOB, and last four of SSN. That in itself seems wrong to me. 

Their Help page at XXXX XXXX XXXX XXXXs aimed at customers. It wants to redirect to their app and wants me to log in using their app. I'm not a customer though and I don't have their app ( and I don't want it ). There is no email that I could find to contact anyone. I did find a phone number XXXX XXXX XXXX on their page at https : XXXX. When I phoned the number, an automated response said to enter 1 for customers and 2 for other callers. And when I clicked on 2 it said it wasn't taking calls for 2 replies or something and ended the call. 

I found a couple news articles about Ohio scams involving people receiving unsolicited Cash App Debit cards from their company and the trouble they had. The links both said to contact Cash App at https : XXXX XXXXXXXX for fraud related issues. I did that and filled out an online form stating my issue and later received a reply from XXXX saying the following ... 

" I get how important this situation for you but unfortunately I do not have access to this type of account.You emailed the Point of sale Support Team, you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 

You can also contact XXXXash Support by visiting XXXX. " So they are basically " fobbing me off '' is the feeling I get. I just want to cancel this card, that was applied for fraudulently in my name, and confirm there is nothing else linking back to me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I contacted original creditor. Account is under XXXX XXXX. Debt was re-aged. I attached a copy of receipt provided by original debtor. Debt was XX/XX/XXXX, per original creditor and I told company it was not mine. Company said it was a recent visit XXXX on phone.

Company response to consumer: Closed with explanation