vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: Lakeside Recovery Solutions
State: WV

Complaint narrative:
This debt collector, Lakeside, called my phone, my wifes, and one of my children and left a message containing my name, date of birth, and address. How is this legal? How are they sure enough to leave my personal information in a message? They could have called 3 wrong numbers and left my personal details to strangers. How do I know they didnt call any numbers I used to have and do the same thing? Is this legal to leave this sort of information in a message and couldnt my identity be insecure leaving this on a message? These messages were left on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Pavilion Payments US BuyerCo, LLC
State: MI

Complaint narrative:
I'm enclosing copies I made two separate deposits on XXXX XXXX XXXX of XXXX on XX/XX/1923 the money was taken out of my acct and om XX/XX/XXXX it was done again. I called global payments and was told my bank refused incorrect o ask in addition why they can't see in there system They collected XXXX not two payments totaling 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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I originally had XXXX financial services when I first had my loan then it was sold to FAY financial services. This was at the beginning of my mortgage using XXXX, XXXX of 2020. Before my mortgage was transferred to FAY financial services, I had an agreement with XXXX about forbearing my mortgage payment. According to the CARES act that was passed in XX/XX/2020, anyone that has a forbearance agreement is not to have any delinquent or negative reports to their credit. My entire mortgage I have never had a late payment. The only reason this payment is marked as late, is because I was not made aware of the transfer of my mortgage to another company. I personally had to search around, call my previous loan company, and find out how to make the next payment and to who. FAY financial services refuses to acknowledge that I had a previous forebearance agreement with XXXX. The fact that my mortgage was transferred ( without my knowledge ). Ever since COVID, there has been so much miscommunication and confusion. I spoke to an agent at FAY in XXXX, after this whole ordeal and was informed that the late payment report would be removed from my credit. Im sure this can be confirmed with any recorded calls from FAY under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Check written on XXXX for {$6000.00} to XXXX XXXX for a mortgage payment mailed same day. Check was intercepted and stolen from mail and cashed with XXXX XXXX  on XXXX with payee altered to XXXX XXXX. 
Contacted Chase Bank fraud department and instructed to submit an affidavit detailing issue. Affidavit sent and receipt verified by Chase Bank. 
XXXX Police Department contacted and statement given : case # XXXX Detective XXXX. 
Response by Chase Bank is that because we do not have a carbon of the original check they will not reimburse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS LATE ACCOUNT IS NEED TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX-Balance {$190.00} -Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On going loss mitigation negotiations. Specifically, met plaintiff 's XXXX short payoff demand. Provided proof of funds. Plaintiff 's servicer Faye Servicing has not been attentive in processing the XXXX 's XXXX short payoff transaction that has been pending several weeks before the scheduled foreclosure sale. 


FORECLOSURE CASE NUMBER XXXX FLORIDA XXXX LENDER PHONE NUMBER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
On XX/XX/2021, Rausch Sturm LLP sent a letter to me stating that I owe an alleged debt. After reviewing the letter from them, I noticed Rausch Sturm LLP has violated many of my consumer rights. Pursuant to 15 U.S.C. 1692e ( 3 ) Congress states " a debt collector may not use the false representation or implication that any individual is an attorney or that any communication is from an attorney. '' Also, pursuant to 15 U.S.C. 1692c ( a ) Congress says " without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector MAY NOT communicate with a consumer in connection with the collection of any debt. '' I never gave consent to Rausch Sturm LLP to communicate with me over an alleged debt. Since I did not give consent, that means Rausch Sturm LLP has obtained my private information illegally. This is a total breach of my privacy and is equal to Identity Theft. Below, I have attached a response demanding them to Cease and Desist from all communication with me pursuant to 15 U.S.C. 1692c ( c )

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank is refusing to enforce fraud protection on my checking/savings account following the theft of {$18000.00} from my bank account along with my cell phone. The theft occurred while on vacation in XXXX XXXX, LA, XXXX XXXX. Police report was provided to Chase bank along with video surveillance obtained by the XXXX XXXX Detective XXXX XXXX XXXX. Chase claims because my PIN was also stolen that this can not be considered fraud, which is completely absurd. If my PIN had not be obtained by the thieves, then they would not have been able to steal the funds in the first place. Chase claims has been contacted numerous times over the past 3 months and always re-direct the call to another department or simply hang up on the call all together. Finally, after consistently calling for claims status, Chase bank cancelled my checking account, removing my access to all the claims documents and statements associated with this fraud. They still refuse to re-open the checking account to allow me to regain access to my notices and letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 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: Coinbase, Inc.
State: VA

Complaint narrative:
I have a Coinbase account that I am trying to close. I can not close it from within the app. They have no customer care number, just a website that allows you to submit a ticket. I have submitted two tickets over seven days and they have not responded other than a generic statement on their website ( see attached ). 

I can't access my account from a desktop computer because I need to verify my account through XXXX  and email. I can verify through XXXX  but the second step isn't working. They're supposed to email me a link that I can click but the emails never come ... and yes, I checked my spam folder and other filters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I had closed a mortgage refinance with Loandepot in XXXX. The Closing disclosure at the time of the loan closing is dated XX/XX/XXXX. The amount due from the borrower was {$1300.00}. 

On XX/XX/XXXX, I received another Closing Disclosure from Loandepot with all terms of the loan the same as before, but the amount due from the borrower was {$1000.00}. I assumed that the company has made a mistake in the Disclosure earlier and they would send me a credit for ( {$1300.00} - {$1000.00} ) = {$22000.00}.

I contacted the loan contacts and asked them why a new Disclosure was sent to me. List of contacts I contacted is below. I also called Customer Service and inquired about the new Disclosure. It has been 2 months since I raised the questions but have not heard any clear answer from them. I am not sure now which Disclosure is the correct one, and whether the company has made any other mistakes while processing my loan. Would appreciate any help. 

XXXX XXXX Licensed Lending Officer NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Manager NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Processing Manager Direct XXXX XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PERSOLVE would verify the debt. So I took it upon myself to ask PERSOLVE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST PORTFOLIO SERVICING INC
State: MA

Complaint narrative:
Vervent/XXXX  has listed on my credit report, particularly XXXX, that I have an delinquent account with them. This incorrect. For starters, I have contacted them about this account which I never opened. I was advised that this account was opened with a credit card by the name of XXXX XXXX. That was not done by me and I don't know that person. Secondly, I asked them to delete the account by making a money order for the total amount on my report in hopes to remedy this. Vervent cashed that money order in XXXX of 2019. At this time, Vervent doesn't even own the account. It has been sold to another vendor, who has sent me a letter advising that they stopped all collection efforts. Vervent doesnt have any documentation on file to indicate that I opened this account or that I'm deliquent. This fradulent and I tried several times to remedy. This is my last attempt before I sue them. This entry is affecting me a great deal and it needs to be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
When I applied for an Ally loan online on XX/XX/XXXX, I filled out the application form from their site : XXXX XXXX XXXX. The form stated : " What you should know : To comply with card network rules, we cant process payments from borrowers using a credit card beginning on XX/XX/XXXX. '' When I was approved for the loan, I emailed Ally customer care consultant on XX/XX/XXXX and asked if credit card payments can be made by XX/XX/XXXX. The customer representative confirmed credit cards are accepted for full payment and said to just call Ally before XXXX XXXX to make the payment. On XX/XX/XXXX, I called Ally billing to make the payment, but they refused even though I mentioned their website application stated the above quotation, ie. credit card payment by XXXX XXXX deadline. I logged onto Ally 's online account, which had a credit card selection that was disabled. I even emailed the billing agent the email conversation with Ally customer support from XX/XX/XXXX. They took down my phone number and said they would try to call back in 72 hours but they could not provide an answer to why their website application had the XXXX XXXX credit card payment option, but refused to accept payment when I called as instructed by Ally customer care.

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 2021-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/XXXX XXXX/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX, XXXX.-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I find out that a bill that I'm sure was paid was sent as unpaid and hit my credit. Naturally I called and asked for a pay to delete. The agent on the phone assured me XXXX times that this would be completely removed without a trace. I asked three times just to make sure. She said " yes, as soon as you pay this will be removed completely from your credit. '' So I made the payment. Then she stated that she is sending me two emails one for proof of payment and the other for deletion. They never came. So I called back and I get a different agent. She said " you have to call the reporting agency to get the deletion papers. '' Well I called XXXX XXXX and they said " if you pay us ANOTHER {$200.00} we will delete '' so I paid again after I asked why I had to was told " you pay to delete ''. 
I hang up with XXXX and call Convergent and they tell me " The agent you spoke with was misinformed so we will not be deleting but will mark it as paid. '' Now that was NOT the agree. I also recorded the call to make sure that was not the agreement. The lady said clearly that " it will be removed from my credit reports. '' Now I can prove this but they are not honoring what their agent stated. Her misinformation does not take away for what she stated considering she works for them and they trained her. I am not out over {$400.00} for a debt that was only {$200.00} and I will be filling papers in small claims if this is not resolved. I did NOT pay on a debt that was paid years ago for a " paid status. '' Follow the agreement of deletion as promised!

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 2021-09-24 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: LoanCare, LLC
State: AZ

Complaint narrative:
When I was trying to get a pre approval to buy a new home, I discovered that loancare ( The servicer of the loan ) had reported me late, IN FORBEARANCE, after I had paid off the loan. I had never missed a payment. I have called the company multiple times and they provided me with information confirming that I have never missed a payment and that I was in forbearance but they are unwilling to provide letterhead that this was their error ( an error that also violates the SAFE act ).

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello there, I have been a capital one card holder for over 13 years and never had this issue but I was late on my card that I forgot I even charged and wasnt allowed to have courtesy late fee waiver?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I WAS NEVER LATE ON THE ACOUNTS LISTED. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file.

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 2021-09-24 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: KY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation