vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: ERC
State: NY

Complaint narrative:
On XX/XX/2020, ENHANCED Recovery added a Derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did NOT verify this collection. Also there has been no written form of communication, contract or signature for this accused debt at all. A bill without my signature CAN not validate the debt, therefor anyone can send a bill and say it's mine. According to the FCRA ENHANCED Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My HELOC loan servicing was transferred from XXXX bank to Loan Care LLC in XX/XX/XXXX 2021. For the past three weeks I have been trying to make payments online but have been unable to do so. I called 3 times, each time told I'd have online payment access within a day or two. On my 3rd call ( XX/XX/XXXX/21 ) I had no confidence it would happen so I made a payment with the representative by phone. Guess what, I logged in today, XX/XX/XXXX21, more than a week since the 3rd call to them and still have no access to make an online payment. I called twice today, XX/XX/XXXX21 ; 1st call I was not able to ever get to a live person and got disconnected, 2nd call I did get to a live person, asked to speak with a supervisor, was placed on hold and after holding for 30 minutes the system disconnected me. They are charging interest on a balance that should be lower had I been able to actually make payments. I can not continue to spend all this time on hold when I'm simply trying to fix their situation and make payments. Unethical and the worst customer service experience I have ever encountered.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
{$6000.00} is missing from my bank account. I deposited US {$6000.00} from my Bank Of America Account to XXXX 's receiving bank XXXXXXXX XXXX  on XX/XX/2021. The money was deducted from my account but XXXX and XXXX claim to have never received the money. This transfer was made XX/XX/2021 and the issue is still unresolved and the money is still missing. The issue has been bouncing back and forth between all the parties involved - XXXX ( # XXXX ) / XXXX ( trace # XXXX ) / Bank of America XXXX Claim # XXXX ). I have outstanding customer support tickets with each but the issue is still unresolved. The money has been missing for 2.5 months now and the parties involved have been very slow to address and solve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 3RD TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I'm not sure if this is some mistake as I assume it to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job and it is affecting me a great deal as I use PayPal frequently to run my finances and business. The email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
Received the XXXX statement the first week of XXXX, saw that the annual fee hit. called the company to close the account and remove the annual fee. they closed the account and said the annual fee was removed. 
in the first week of XXXX received the XXXX statement with a late fee and the annual fee. called the company and they refuse to remove the annual fee and the late fee and they are threating to go to collections.

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 2021-03-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CO

Complaint narrative:
I have attached the documents that the Moore Law group sent to verify the debt. Once again more flat out lies on their behalf. I asked for an original copy of the signed contract between my self and XXXX. They didn't send anything of the like. Instead they lied and said they provided a copy of the application and signed contract. Please see attached documents. There was no application or contract provided. They also go on to say they will " We are a law firm and have a master agreement with the client, but we will not be producing that to you ''. Lastly, I asked for a line by line accounting of the original account. Their response was We will NOT be providing you with a line by line accounting of the original account. We have provided you with monthly statements that are currently available to us ''. if they in fact are a legitimate law firm they should have no problem providing me with a line by line account. 

I have listed 3 instances of FDCPA violations. The Moore Law group doesn't get to dictate what they will send or won't send to validate my debt. Furthermore, their statement of we provided the original contract is a flat out lie. There isn't anything they won't say or do to try and collect a debt. 

I found it very offensive that they sent me a debt collection letter in XXXX. Just because my name is XXXX doesn't mean I speak XXXX. 

I have escalated this matter to the Colorado Attorney general, any action by the Law Moore group should be postponed until the Colorado Attorney general concludes their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have attorneys contacting me about a debt that they are not legally allowed to pursue according to law 15 USC 1629E ( 3 ). Also, this debt has been removed from my credit report already and there still coming after me. There has been a lot of suspicious activities from these attorneys that are trying to take my home and they don't even have the promissory note.These are the attorneys involved XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX Attorney for Plaintiff XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Telephone:XXXX Facsimile:XXXX Service Email : XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Bar No . XXXX Communication Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: PR

Complaint narrative:
XXXX XXXX has reported a {$1200.00} debt that my insurer XXXX XXXX XXXX XXXX ( XXXX ) had rejected back in XXXX. I did not receive any notification about this debt until it was on my credit report in XX/XX/XXXX. Once it was on my credit report, I reached out to my doctors office who fixed the codes that needed to be resubmitted to my insurer on XX/XX/XXXX. I followed up again numerous times between XX/XX/XXXX and XX/XX/XXXX because XXXX  never received the claim. My doctor ( XXXX XXXX ) put me directly in contact with the XXXX representative XXXX XXXX who assured me that XXXX resubmitted this claim with the corrected codes. Again, I called XXXX numerous times between XX/XX/XXXX to XX/XX/XXXX and still no claim was submitted by XXXX. XXXX XXXX called me directly on XX/XX/XXXX and promised he had followed up and that the claim has been submitted. This is obviously lies because no one at XXXX has received anything. Meanwhile this report has tanked my credit. I disputed this claim with Experian and they refuse to take it off my credit report. I have no power to get these people to resubmit this claim to XXXX and I refuse to pay for it out of pocket based on their negligent handling of this matter. I have no other derogatory marks on credit report except this one and it is keeping me from buying a home. These people are in violation of the FCRA and should be fined for their abusive tactics. I shouldnt have to call XXXX every week for them to do their job. They filed the derogatory remark but are doing nothing to resolve the 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 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was paying my monthly mortgage for XX/XX/XXXX. The normal monthly bill was {$2000.00}. In XXXX it showed I owned {$3700.00}. I called Mr. Cooper and was told I owe {$12000.00} in taxes and escrow and until its paid, my mortgage will be {$3700.00}. 

Mr. Cooper did not properly apply my taxes for escrow for XXXX taxes. My mortgage should have increased to {$2700.00} monthly to cover taxes and escrow. Mr. Cooper did not make the change and I was continuing to pay {$2000.00} monthly mortgage. 

I did not know and there was no indication from Mr. Cooper that this would happen. I did not receive any notices or explanation for the increase in monthly mortgage {$3700.00}. 

Mr. Cooper but me and my family in a financial hardship that would have easily led to foreclosure of my home. 

I called Mr. Cooper several times over the course of a week after finding out this information and Mr. Cooper 's representatives gave no assistance that would help me pay this very large and exorbitant amount of money. 

If I would have paid Mr. Cooper {$3700.00} a month, I would have incurred fees and interest that would have increased my principle for several years. 

If Mr. Cooper would have taken the time to handle my mortgage properly, I would not be in this position. 

I was forced to obtain a loan to cover the cost for Mr. Coopers oversight of {$12000.00}. I paid to Mr. Cooper along with a {$3700.00} mortgage payment for XX/XX/XXXX. 

Mr. Cooper initially did not apply my {$12000.00} payment to the amount owed for escrow and taxes. Mr. Cooper applied the {$12000.00} payment to my principal, which was completely deceptive on their part because Mr. Cooper was showing I owed them {$12000.00} in back escrow and taxes. 

I have been calling Mr. Cooper to appropriately apply the money so I will not continue to be in the rears and to recalculate my monthly payment so I should be {$2700.00} roughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
An account with XXXX XXXX represented by Pheonix Financial Services XXXX XXXX XXXX XXXX Indiana ( XXXX ) was paid as agreed with pay to delete per settlement. The account still reports on Equifax. Already disputed with the original creditor and they stated they have already reported the account to be removed and it still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I have been struggling with an account that appeared on my XXXX  and XXXX  credit report that is not mine. Original creditor ( XXXX XXXX ). I have disputed this account numerous times and It keeps coming back with different collection company names. I do NOT own this account. I have never owned a XXXX account in.my life. After talking to XXXX  it was recommended to me to file a claim with the FTC to get this problem resolved ... I have tried contacting the collection company Allied Collection SE and have filed 2 disputes but I never have been able to get a hold of them. So please help I do not know what else to do.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I deposited money on Gemini months ago so did a lot of people I went through the sign up process very smoothly providing all the necessary information they allowed me to deposit money on the account and it has been months that they have had my money well now that I want to withdraw they are holding my funds HOSTAGE this is happening to thousands and thousands of people there is even a XXXX post about this specifically they say " you account is pending verification '' But that doesn't make sense since I was able to deposit on the account and it has been MONTHS since I have deposited They are holding my money hostage and not giving it back I looked on the app for a solution, there were none. there is no information about why an account may have troubles being verified. 

countless people are experiencing this additionally I went to email the support about this problem. I tagged them in a tweet and DMd them on XXXX  they have not responded to ANYTHING their customer support is an absolute disgrace. this is one of the most important types of services known to man which is handling money. you need to be vigilant and responsive they are avoiding all contact and weaseling out of paying people back their money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I received a letter ( attached ) " Welcome '' to your new checking account from PENFED Credit Union, which included an ATM card and indicated a balance of {$5.00}. I never opened an account with them, but had an account with XXXX XXXX XXXX with a {$5.00} balance. I thought perhaps they'd changed their name and planned to call and close the account. I never activated the ATM card. However, before I got around to calling, I received a second letter on XX/XX/2021 stating my account was overdrawn by {$1900.00}. I called them immediately to report the fraud.

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc.
State: OH

Complaint narrative:
I used to have a checking account through Social Finance ( SoFi ) but switched to a different bank. I asked to have the account and all services associated with the account closed and removed from all communication lists, but I am continually receiving emails from them with credit monitoring reports, information about my " SoFi Invest '' account, etc. I have contacted them at least 3 times, asking each time for them to close ALL accounts on file and to stop contacting me, but I am still receiving these sorts of emails, which leads me to believe my accounts are not actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received notice from XXXX ( file # XXXX ) that someone had tried to open a credit card account through Capital One. I talked to XXXX ( pathetic answering system, but that is another story ) and set up a fraud alert, etc. I then contacted Capital One to obtain more information and they could not find anything using my Soc. Sec. number. address, phone #, etc. So I do not have any information regarding possible location, person, etc. 

A couple of years previously I have had problems with XXXX opening an account in my name. Also, someone tried to use my XXXX XXXX in Florida - I live in the XXXX and never go to Florida. Finally someone in Florida charged my Visa but I managed to have that cancelled. I complained to the Florida government department and they did not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Orion Capital Solutions LLC
State: PA

Complaint narrative:
On XX/XX/21 at XXXX I sent an email to Orion Capital Solutions requesting that they cease all phone contact with anyone regarding this issue and requested that all communication occur in writing. I followed this up with a phone call to XXXX at approximately XXXX. I spoke to XXXX at extension XXXX and was told that my written request was received and that no more calls would occur. At XXXX I was contacted by a third party that XXXX had just left them a voicemail asking for my " location information ''. This is a clear violation of the FDCPA and I am entitled to relief.

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 2021-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a lease agreement with with JP Morgan chase for a XXXX XXXX XXXX that started as of XX/XX/XXXX of XXXX with an expiration date of XX/XX/XXXX of XXXX. Due to COVID restriction, my due date was extended to XX/XX/XXXX. I returned vehicle on XX/XX/XXXX to the only dealer I was able to find with no available appointments and dealer was out able to precoces return until the XXXX due to lack of resources working at the dealer at that time. 

On XXXX I reached out to JP Morgan Chase Auto Finance to try to negotiate pay off amount to purchase the car with an estimated value of less than {$7000.00}. Chase Auto Finance refused me the option to buy the car instead forced me to turn in the vehicle immediately to the closes XXXX dealer. 

Due to COVID restriction, holidays and limitations, there were no dealers taken returned lease cars. My account was paid in full for the 54 months I owned the lease agreement and even though i was rejected to buyout the XXXX XXXX car, i requested to have an extension to return vehicle due to issues with finding an open appointment with a XXXX dealer to return the vehicle. I had to travel out of state to get a dealer willing to take in my lease. 

Now, Chase is trying to collect extra fees for NOT finding a dealer to intake return leased vehicle which is out of my control. Chase representatives and managers refused to grant an exception due to Covid restrictions and want to charge my a full month of fees when I was not able to find a dealer. I have no control of Covid pandemic and government restrictions and I should not be charged for a full extra month when Chase was the party refusing me the option to purchase car or extend lease. 

I need assistance by investigating this issue and for Chase to stop trying to collect extra unfair fees for a vehicle that was not in my position for a full month. No one has control on this COVID pandemic and shouldnt have the negative imposition to take advantage of this situation to collect additional fees for governmental restrictions.

Company response to consumer: Closed with explanation