vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage Services deliberately lied to XXXX  stating that I had surrendered the deed to my property to them in leiu of a foreclosure and that my home was in the process of being liquidated. 

They refused to correct the error on my credit report when asked to do so on XX/XX/2021 even though their customer service dept verified that I was entitled to a temporary forebearance due to my application for Mortgage Assistance not being able to be completed due to a COVID19 issue. COURTS were closed due to executive order, keeping me from being able to submit records to Carrington and the FHA needed for my loan modification application to be completed and processed. In addition this change that is saying my property is set to be liquidated was made as a scare tactic to get me to fork over money when I am not to have anything done to me regarding any foreclosure, until XX/XX/2021. The moratoriums on evictions and foreclosures are in place until then. This false reporting, etc. was made in XX/XX/2021. 

As a result of this situation, I had to pay {$750.00} in attorneys fees, in order to have a lawyer get involved just to remove errant info from a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target Card Services provides an option for payment arrangements if you are going through a financial hardship. They say its written in a disclosure provided that it will still charge late fees. However there is no verbal disclosure of the this fee when making the arrangements. The issue here is that it is highly deceptive and financially impacts the consumer in a negative way. My payment arrangements were set to XXXX dollars for XXXX months, I wasnt disclosed this payment wouldnt cover my minimum payments or that it would lead to XXXX dollar late payments for all the months of the payment arrangements. Thats a difference if XXXX dollars that doesnt even make it toward the principle or help me get back on track as they glorified it would. In addition to that, after making payment arrangements I received at least XXXX calls a day reminding me the make the arranged payment amount and every call answered still no one disclosed that I would still be assessed a late fee. Finally, after seeing the late fee on my statement puzzled because Ive been making the payment of my arrangements, speak to a representative and they cant even try to remove my late fees until they receive a minimum payment of XXXX dollars in addition to the payment arrangement payment made just XXXX days prior. This is not fair to any consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am a XXXX  year-old target of financial elder abuse, specifically, what is commonly described as a remote access scam. In addition, this scam falls squarely within the spirit of the CFPBs XX/XX/2021 Regulation E FAQs defining unauthorized transactions. I contacted Square online because I needed help downloading my transaction history. A website that appeared to be legitimately Squares web site, but which I later learned was fraudulent, instructed me to call XXXX for Square Customer Support. 

The scammer represented himself as a Square customer service representative and fraudulently induced me to transfer {$7000.00} from my bank checking account and make multiple transfers to and from my cash app account and purchase bitcoin. Under the guise of helping me reduce my transaction limits, the scammer directed me to transfer money from my bank account to my cash app account and make a series of transactions to and from my cash app account. He assured me that these transactions were test transactions. In addition, as part of these test transactions he instructed me to purchase bitcoin. 

In addition, the scammer repeatedly instructed me to download XXXX and XXXX many times. Ultimately the XXXX  was withdrawn from my account without my authorization or knowledge. This series of transactions resulted in a net theft of {$6000.00} from me. 

I submitted a customer support claim to Square which they denied. 
[ ref : XXXX : ref ] Like XXXX XXXX, Square is turning a XXXX eye to elder abuse and fraud on their platform. 

Square clearly knows where money is being transferred to and from their customer accounts and how long accounts have been in existence on their platform. I have since learned through XXXX search that my experience is not unique and that Square is well aware of this scam. 

I would like Square to reimburse me for my loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Re : BMW Financial Services XXXX XXXX XXXX # XXXX On XXXX XX/XX/XXXX, I prepaid excess miles on lease expiring in XXXX in the amount of {$5500.00}. On XXXX XX/XX/XXXX, I entered a new lease on a new XXXX, but XXXX problems arose. First, the local dealership did not credit my closing lease account the final months payment or {$1300.00} including taxes. Also, I was overcharged {$400.00} on damages I did not acknowledge although I did sign off on {$2100.00} in repairs when I returned the car. When I contacted BMW Financial they said to contact the local dealership. The dealership said to contact BMW Financial. Round & round this went for some time until I called the Presidents corporate office & I started to get help with a resolution. However, I overpaid by {$270.00} & BMW Financial is refusing to reimburse me although the manager XXXX on XX/XX/XXXX agreed to do so after a 30 minute argument on the phone as he kept playing a shell game. I demanded a full credit of {$270.00} & he only would accept a {$73.00} credit. Despite this no refund whatsoever! Today, I tried again online & got the run around again. Out of frustration I am filing this complaint. Im a great long term BMW customer. If they are treating me like this I have to imagine their unethical practices are widespread.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: TX

Complaint narrative:
To whom this may concern, I have had student loans taken out of my name fraudulently.. I attended school under the GI bill.. and had no other student loan money lend to me or deposited in any of my accounts.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: LA

Complaint narrative:
In XX/XX/2021 I received a collection notice for {$410.00} from XXXX XXXX for a direct tv account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from Receivables Performance Management Llc trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by XXXX XXXX for {$310.00} to close the account and had been paid. However Receivables Performance Mgmt. continue to harass me stating that I still owe the remaining balance

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 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
A mortgage commitment letter was issued by better.com on XX/XX/2021. Better.com then rescinded that commitment and I was forced to find another lender. This delayed closing on the subject property by one month causing me {$2500.00} in damages. 

Better.com had no reasonable basis for rescinding a legally binding agreement issued by them. They claim they made a mistake. Fair enough ... however, when your mistake causes someone else harm, you should reimburse them for that harm caused.

Better.com has refused to provide reimbursement for the damage they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have sent out disputes to the bureaus and I have received no letters or calls or anything from them. I have inaccurate items reporting on my file that need to be removed. I will upload the most recent letters I sent but there have been others. Please fix immediatley.

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 2021-07-07 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:
Checked my credit report and I have the following : SEQUIUM ASSET SOLUTIONS Amount Due : {$970.00} Collector : XXXX XXXX I have never resided in no other state, accept, TN. I have always had XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Sent cerified mail and made several phone calls with Transunion about reporting inaquate information on my credit report leaving me with problems on my credit report.

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 2021-07-07 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: NC

Complaint narrative:
I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2021 I purchased a motorcycle online with Chime debit card for XXXX. I realized that shipping would be delayed because of pandemic so I immediately cancelled the order the same day. I got a email stating order was cancelled and refunded. Chime made me fill out disputed transaction paper. I filed the paper along with all the messages from XXXX company verifying cancelled order and since then I have gotten the run aroundsome say they dont have the transaction some say they do and the emails keep coming saying they are working on I cant get a straight answer and that are stonewalling please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NC

Complaint narrative:
I recently sent a dispute letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Traded in vehicle and the finance back was Wells Fargo, there is over {$300.00} left on the vehicle and they updated on XX/XX/XXXX to XXXX but the car was already traded by then and it should be showing the {$300.00} amount

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 2021-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Entity : XXXX XXXX XXXX. 
XXXX No. : XXXX Loan Program : PPP Loan Forgiveness Program I have a PPP loan through B  of  America. Since XX/XX/XXXX, I have been trying to resolve this PPP loan so that I can close my account with Bank of America. I was told by XXXX XXXX at XXXX XXXX ) XXXX @ Ext XXXX about two weeks ago that she will link to my account portal to email XXXX of XXXX and XXXX of XXXX. I do not see that link in my account. When calling that number after 20 minutes of holding, all calls gets disconnected over and over again. I need to resolve this PPP loan and end my relationship with Bank of America. Their customer service is a four letter word in capitals for small business. I strongly believe that Bank of America is PURPOSEFULLY DISCRIMINATING small businesses for PPP loan to extract more fees.

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 2021-07-07 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I mailed letters to both Experian and XXXX  on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. Experian has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.

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 2021-07-07 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: MA

Complaint narrative:
I was traveling in XXXX.While in the lobby of my hostel I was introduced to a man from XXXX named XXXX Instinctively didnt like this person. A day latter he asked for me and was told I was not there.Now Im more skeptical. Next day he accidentally encounters me in the park I dont wish to be rude so we spoke He abruptly went to buy some bottled water and orange juice which I didnt ask for. I drank it and was drugged .He ended up with my phone and three of my credit cards. I could not move to catch him I was in the park for hours. I went to the police they were of little help But I made a police report typed in XXXX of course. Went to the hospital wanting to explore what was given to me. Im alone with no money, no phone and no return trip. Went to XXXX XXXX again no help. I notified the credit card companies as soon as I could.Remember, no phone.My daughter bought me a plane ticket home. My plan was to continue on to XXXX and XXXXHowever ; Upon arrival i receive charges. O one account {$1900.00}. I contested these charges twice and sent in the police report to them. The credit card company sent me a letter saying the charges are valid. I have paid this amount but grudgingly.Now, I turn to the governing body. I can supply all necessary documents

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 I was informed I provided cease and desist letter to Wells Fargo Bank to contact my attorney. I provide no l letter to cease and desist at attorney that has been retained is for violation of privacy law nothing other than that. 

On my request from XXXX XXXX to provided copy my ceased and desist I was denied by XXXX XXXX. There is no such Wells Fargo Bank and Mr. XXXX decision is baloney is the reasons he refused to provide letter for cease and desist. 

I provide no cases and desist letter to Wells Fargo Bank and it phony and baloney. Wells Fargo Bank was never provided any letter by me to cease and desist. 

I asked him to send of copy of cease and desist letter and flex loan modification to me since my attorney will only deal with privacy law violation. 

I asked XXXX to speak to his manager  her refused and I asked him 7 to 10 times and his reason was he call my attorney to get authorization. 

Attached letter I stated attorney was retained for violation of privacy rights and nothing other than that. Wells Fargo Bank is abusing its power with false and refused to provide copy of the letter for ceased and desist. 

Wells Fargo Bank has denied me to obtain flex loan modification documents on false reason that I have filed ceased and desist. 

I must be provide flex loan modification and once attorney of records will only deal with violation of privacy laws.

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 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Avid Acceptance, LLC
State: TN

Complaint narrative:
I have been harassed via phone by XXXX XXXX with Avid Acceptance about a previous loan I had with his company. XXXX XXXX I fell victim to a flood and my car that was financed through this company was deemed a total loss. My apartment and all of my family 's contents were destroyed. My insurance company did not pay the full value of the car nor did I have Gap insurance as I was told I had. I never thought to check the information but found out the hard way after my car was totaled out. Insurance then pushed me to get a new vehicle or be without a car or get a rental at my own expense. I spoke with the Avid Acceptance whom told me they would not finance me until my current loan was paid off. I had to go through another company to get a car for my family, clothes, place to live etc. XXXX has been calling my boss stating that I gave her as a personal reference apparently she gets so many calls she begged me to call him, and tell him to stop calling her. I was not made aware that I could make this complaint or even if something will be done about it. I just need him to stop calling my boss. I have tried to negotiate to get this debt taken care of but what I can afford and what they want me to pay are two different things. I can not even get on the website to make some kind of payment because he says he can not agree with it.

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 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My complaint is with Midland Credit phone number XXXX XXXX XXXX XXXX. 
They called me about a year ago and said that I owed XXXX. I am not sure if it is a credit line or a loan. They would not tell me. They claimed it was through XXXX XXXX, of which I do not have an account. They asked me to share my social security number with them but I did not as it is not safe and if I did owe them money they should already have it? I ended the phone conversation and contacted XXXX. XXXX confirmed that I did not have an account with them so I assumed this was all a scam. 
Yesterday, I was served papers by our local sheriff department about this same account. I met with an investigator at our Sherriff 's Department and he advised me of steps I should take. One of which was reporting this to you. I think I reported the original phone call when it happened but wanted to be sure and report their continued harassment concerning a loan or credit line that I did NOT open. 
Also, he asked me to check all 3 credit reports and there is no delinquent debt of this nature on it. However, Midland Credit does show up under my " Account Review Inquiries '' section. Which means they have access to my information for promotions. I am working to stop these inquiries. Thank you

Company response to consumer: Closed with non-monetary relief