vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days.

Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC? 
three years If you are living in North Carolina, consumer debt has a statute of limitations of three years.

North Carolina Statute of Limitations on Debt Collections.

North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc.
State: CA

Complaint narrative:
I have been trying to reach SoFi ( XXXX  XXXX XXXX   ) for more than 2 weeks about a verification of deposit form and they just keep repeating the same statement " We need the lender to send us a VOD form ''. I as an account owner of SoFi am request a verification of deposit for XXXX XXXX reasons. XXXX does not provide a VOD form. The employees at SoFi can not seem to understand the simple fact that a VOD form for immigration can simply be requested by account owner. 

I have spent countless hours on phone with SoFi. I have created multiple tickets with SoFi and all their end result was wasting my time when my visa appointment is coming up! 

I even created a VOD form as an Individual to submit to SoFi and they rejected it for not having " company letterhead ''. HOW DOES AN INDIVIDUAL HAVE A LETTERHEAD? WHAT DO THEY WRITE? ACCOUNT OWNER, LLC? SoFi just doesn't understand simple facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2021 Citizens Bank restricted my ability to transfer funds from my Citizens Bank checking account to an external bank account. This service is actively advertised by XXXX and is provided to other customers. Citizens had also canceled the existing transfers that were scheduled on my account for future dates.

When I contacted Citizens Bank regarding the issue I was requested to visit a local branch and present a government issued id. 

Here is an extract of the communications I had with Citizens Bank regarding the problem : I received the following message from Citizens on XX/XX/2021 : " Dear XXXX, We certainly understand your concerns. 

Please visit your local branch and a Banker will be happy to assist you. 

Regrettably, we are unable to resolve this matter via email and apologize for any inconvenience this may cause. 

If you have any further questions or concerns, please contact us via email or by calling our Online Banking Department at XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX. 
Email Team Advocate '' I wanted to respond to the message as follows : " XXXX, I visited your branch at XXXX XXXX XXXX, XXXX, MA and spoke with XXXX XXXX XXXX to whom I had shown my government issued id. XXXX XXXX XXXX was not able to assist me as they had stated that they do not see the transaction of {$610.00} being blocked. I requested them to make a record that I visited the branch and that they had verified my identity per the government issued it that I had presented. '' But when I tried to submit my response on your website I received the following message : " Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. '' It appears that Citizens Bank refuses to provide the same level of service to consumers who have difficulties communicating on the phone as it provides to others since it can not address the problems on the account even when customers visit a branch and present a government issued id. 

As of today my ability to make transfers from my Citizens account to an external account on Citizens website is restricted and Citizens Banks has not provided any explanation why it is restricted on my account while it is available to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
my Mother passed away suddenly. In the process of dealing with her financial affairs we discovered a redo of a mortgage with Quicken/Rocket mortgage. 
I have spent over 10 hours trying to reach a representative. 
The terms of the loan are absurd as well as the fees associated the loan. 
I find it troubling they would grant a XXXX year old a 30 year mortgage. 
it is impossible to talk to them and when I stated I would fly to XXXX finally someone called me back. I pleaded with her for a fee reduction and she stated not policy. 
We have given them way too much personal info IE : 2 death certificates first one they lost Each one cost XXXX USD. My family is not rich and these practices are deceitful. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a formal complaint regarding bankruptcy on my Equifax credit profile on XX/XX/2021. I received a notice from Equifax ( see attached ) stating they verified this information through XXXX. 

There is no bankruptcy showing with XXXX report ( see attached ) and I demand Equifax removed bankruptcy from my credit profile. This item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in their reporting. Please delete this misleading information and supply a corrected credit profile to me. 

Furthermore, Equifax is in violation to my right to privacy per 15 USC 1681 ( a ) ( 4 ) and per 15 USC 1681 ( e ) ( b ) they are responsible for maintaining an accurate credit report. Per 15USC 1681 ( n ) they are civilly liable for non-compliance. If the account are not removed immediately, I will be forced to seek additional financial compensation in ligation, report you to the XXXX  and my attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. This is unfair. This doesnt represent me as a borrower since the service guaranteed wasnt effective, it wasnt working at 100 percent. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus advising of the poor services rendered from this Company causing this alleged collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
We closed on the refinance of our mortgage on XXXX XXXX and we set to have our first payment due in XXXX. 
The closing documents we signed had the monthly payment as {$1200.00}. When I received my first statement from the servicing mortgage company, Mr. Cooper, the monthly payment said {$1100.00}. This was a pleasant surprise to see my payment lower than we expected. I thought there may be an issue so I contacted the refinance company, XXXX, and asked why this would be different. They told me to contact the mortgage company and find out. I called Mr. Cooper  on XXXX XXXX to check the accuracy or my statement and verify that my monthly payment was correct. The person on the phone confirmed the payment amount was accurate and I was all set. I again questioned that I expected my payment to be well over {$1200.00} and they once again assured me the amount was correct. 
Now, in XXXX I was on the app for Mr. Cooper and I see a statement saying my monthly payment is now much higher at {$1400.00}. I contacted them to find out why and was told that my taxes and insurance must have gone up and also that there was an escrow shortage that needed to be made up. 
Upon further research, it's become apparent that when Mr. Cooper began servicing my loan they did not collect the Primary Mortgage Insurance for my loan while they were paying out for it from my escrow. After 8 months of paying for the PMI, it created an escrow shortage that should not have happened, especially since I had spoken to customer service to discuss the monthly payment discrepancy. I would have been paying the correct amount for the 2021 year if they had accurate numbers and competence when I had called before making my first payment. This is a mistake on their part and they should make up the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Last XX/XX/2021, they permanently closed my Paypal account without any clear explanation at all. There were no refund requests or chargebacks or whatsoever. The account is clean. They closed the account for a reason that is baseless. Then on XX/XX/2021, Paypal took my remaining balance of only {$140.00} without my permission. I was expecting to withdraw my money after six months then they just take it away. I want my money back and remove the linked bank accounts and bank cards from my Paypal account. I am also worried that Paypal might steal the money on those bank and credit card accounts in the future. I am really worried. Please help. I badly need help. Please ... ... ... ... .HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have reached out to Specialized Loan Serving on multiple occasions to inquire about settlement options and modification. In all instances, they have refused to work with me. Most recently, I was informed that the loan investor is not accepting any modifications as they are not legally required to do so. My loan is not XXXX XXXX or XXXX XXXX  and they were not able to tell me who the investor was until I requested it in Writing. They did eventually send correspondence notifying me of who the current creditor is ( The Bank of XXXX XXXX  XXXX ). Specialized Loan Servicing previously advised that I reach out to HUD in which I did, however, they only submitted the paperwork for a loan modification which SLS denied again. After denial, HUD recommended reaching out to attorney they referred me to and also suggested contacting CFPB. I have been in my home for 15 years and intend on remaining. I feel that this loan was a product of the predatory lending that took place before the recession and I made payments until my resources were exhausted. I can not keep up with the adjustable rate mortgage and they will not work with me to modify the loan to a reasonable and affordable amount. I am requesting assistance with this matter to fairly resolve the situation.

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 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: LA

Complaint narrative:
Viking client services contacted me from ( XXXX ) XXXX on behalf of XXXX XXXX XXXX payment, alleged owed by me {$860.00}, when in actuality XXXX XXXX XXXX continue to refund my money to me on my card due to system malfunction. Viking have called me while homeschooling my two children and have cause for a disturbance by violating having no written consent by me to contact me and disclose location information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

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 2021-11-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: CA

Complaint narrative:
I the Natural person, and pursuant to 15 USC 1681b - Permissible purposes of consumer reports and ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. 2 ) In accordance with the written instructions per the Consumer to whom it relates. US BANK, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all accounts as it relates, Immediately. I, XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction,

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 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Wells Fargo must supply me with a copy of a document I signed for overdraft fees. I did not voluntarily opt into overdraft fees system by default. I need evidence to support that I opted into Wells Fargo overdraft fees. I do not agree with excessive overdraft fees this bank continues to charge from me. 

I need evidence of a copy of opt in document that the bank alleges I signed to their excessive overdraft fees. This banks charges {$35.00} per dollar paid. They also choose which transactions are paid by them at their one discretion without my input or consent as a consumer, which in return harms my finances. I need proof that this bank is not just engaging in preditory banking and fees imposed on its vulnerable consumers. I need a document that shows I signed a consent to approve of their overdraft fees. I believe their overdraft fees are excess, predatory and discriminatory to minority consumers. I need a refund for fees charged because this banks has always declined to pay for certain debits in excess of {$35.00} but only pays those below {$5.00} so that they can make profits. This bank needs oversight in its abuse of low income low network customers. Fees are just too excessive. They have power to pay for certain transactions only when they know they will make profit, with no regard to negative effects on its low net worth consumers.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There is an address on my Experian and XXXX XXXX Credit Report that is not mine : XXXX XXXX XXXX, XXXX CT 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 non-monetary relief
Consumer complaint received 2021-11-01 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 and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Bridgecrest presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. 


I have demanded the Bridgecrest send me all requested information in order to prove that the alleged debt is owed, which they have yet to be so but they have continued to violate me consumer rights. They have not sent any of the information they are legally demanded to send according to 15 USC 1692g but they continue to collect on a debt that I have disputed which violate 15 USC 1692g ( b ).

I demanded the Bridgecrest send me the following information : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged Account # ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was this debt assigned to a debt collector or purchased?, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Bridgecrest gave a response that was not sufficient as they didnt provide the information requested above.

Bridgecrest violated my Cease and Desist on XX/XX/2021 by sending me a letter that did not sufficiently respond to my concerns, request and demands but also informed me that it was an attempt to collect a debt. 

I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was affidavit response with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stands as truth in commerce but that I can/will file fault judgement in the favor of me, the consumer and the necessary actions will be taken against Bridgecrest and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation