vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I have 9 fraudulent accounts showing on my credit report that I believe are the result of identity theft. I had a recent tenant screening report pulled on me through XX/XX/XXXX and that's when I was notified of several accounts in collections. All of these accounts were sent to an address that was not mine in Florida where I do not live. I have lived in XXXX Hawaii since XX/XX/2006. I notified each collection acct by letter that they were not mine and to send me proof. They replied to me by mail after 45 days and none of them deleted the fraudulent accounts or sent me proof of who opened the accounts in my name. I filed disputes with all the accounts with XX/XX/XXXX. And again all the accounts were confirmed as accurate. I also disputed a fraudulent address that was listed on my report in Florida. I was asked to send them an identity theft report rgd the address which I did. I called to follow up and they still havent removed the address. ( XXXX XXXX XXXX XXXX Fl XXXX ) I have placed a fraud alert on my credit report with XX/XX/XXXX. Below is a list of the fraudulent accounts on my credit report showing as collections that are not mine. 

Portfolio Recovery Associates # XXXX {$650.00} Portfolio Recovery Associates # XXXX {$2700.00} Portfolio Recovery Associates # XXXX {$620.00} Portfolio Recovery Associates # XXXX {$2000.00} Portfolio Recovery Associates # XXXX {$2400.00} Portfolio Recovery Associates # XXXX {$810.00} Portfolio Recovery Associates # XXXX {$600.00} XXXX XXXX # XXXX {$1800.00} XXXX  # XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
An escrow account was initially established for private mortgage insurance only. In XXXX of this year, I communicated to the mortgage servicer that I would be depositing money into escrow for payment of property taxes. As of this date, my escrow account has more than enough money to cover the property tax bill. I have talked with Customer Service several times from XXXX until today. In past communications, I was assured that my property taxes would be paid and that, if late fees were incurred, the servicer would pay them. Just two days ago, I received a call from a Customer Service Supervisor asking me if I wanted the Escrow Dept. to pay my taxes. This is after I had been assured that the Escrow Dept. had been directed by me to pay them. The problem here is that neither Customer Service nor I can speak directly with the Escrow Dept. I sent an email to the Escrow Dept. today asking them to please pay my taxes. The response to this email was " this is a no-reply email address. '' I am now working with XXXX XXXX XXXX. to refinance my home. I am concerned especially now that the current mortgage servicer will compromise the refinance process by its failure to fulfill its obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a Federally Protected Consumer and Resurgent Capital Services has attempted to collect on an alleged debt. Resurgent Capital Services mailed me billing statements from XXXX-XXXX XXXX XXXX XXXX. Resurgent Capital Services has invaded my privacy. 
Pursuant 15 USC 1692c ( b ) I never gave Resurgent Capital Services written or oral permission to have my personal information. Pursuant 15 USC 1692b ( 2 ) Resurgent Capital Services can not state that such consumer owes any debt ; Resurgent Capital Services mailed me billing statements from XXXX XXXX XXXX XXXX along with an account summary from the " original credior '' XXXX XXXX. According to 15 USC 1602 ( g ) I am the original creditor. Resurgent Capital Services, XXXX XXXX XXXX XXXX and XXXX  XXXX  can not create, extend or give credit. Please the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We did a loan modification with Rocket Mortgage and we signed all the paperwork, notarized it, and made the first mortgage payment. Despite all of this, Rocket Mortgage continues to tell us that the loan did not update and we owe the amount not paid during the forbearance period. This is contrary to the CARES act. 

In our man conversations with Rocket Mortgage, we are told they are working on resolving this but they never do resolve and other departments at the company tell us we owe the money and are at forclosure risk. On one hand we are called with urgent calls saying we owe the back payments while we were in forbearance and then we're told that it should be ok but it takes 45 days for our records to update since they received the signed loan docs -which was back in XXXX. 

Furthermore, in our verbal correspondence, we have been repeatedly told different facts regarding this situation by Rocket Mortgage representatives and we have each of their names. We get the run around on the phone with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was not using my credit card often due to the store being closed in my area. I had set up autopay to pay my card and noticed that my balance was not going down as expected. I also started receiving magazines that I never ordered in the mail, I checked my online transaction history and realized that I have been charged for the magazines that I have never ordered. I have been contacting the company since XX/XX/XXXX about the issue and have been told that they are unable to resolve the issue, I researched the magazine company and had to find the phone number on my own to contact a real person, number given to me by Comenity Bank was a recorded line that hangs up when you ask for a representative. The person I spoke with stated that I have been receiving magazines since XXXX ( I have not, but starting receiving them in XX/XX/XXXX ). I have been in contact with Comenity Bank, spending over 5 hours of my time trying to resolve this issue with no resolve. They are refusing to reverse the charges on my card and I explained that I will not pay at all anymore until they refund the fraudulent charges to my account they refused and stated I needed to pay for the charges for magazines that I have never ordered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
My complaint is regarding a company known as Credence Resource Management. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit files. This is not my account and i want it removed from my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit files permanently. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. I submitted a dispute to Experian on XX/XX/2020 disputing a few inaccuracies on my credit report. Experian failed to provide any results into my investigation via mail within the 30 day allotted by law. On XX/XX/2020, Experian sent me a online notification via my Free Experian account informing of an " Update ''. I NEVER received any " Dispute Results '' to date. They are notorious for disregarding consumers and not investigating these issues in a correct and ethical manner.

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 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Comerica
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2020 Comerica XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Checking Bonus Offer To Whom it May Concern : On XX/XX/2020, I applied online for a Checking account at Comerica Bank ( the Bank ) in response to an offer to Earn {$200.00}. I was subsequently approved and met the offer requirements. 

I contacted the Bank several times to request payment. As of today, the bonus has not posted. 

Now, I respectfully demand that the Bank pay the advertised bonus of {$200.00}. 

Otherwise, this matter will proceed to trial with all costs borne by the Bank. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am XXXX XXXX XXXX veteran permanent and total. I no longer have to pay property tax in state of Texas. Quicken loans was noticed by the state and they sent me a letter stating I am owed a refund of XXXX. The state told them for 2020 I no longer pay tax. My monthly payment had me paying XXXX dollars for property tax at 12 months that is XXXX. I have asked quicken loans to re run the numbers and I am getting the run a round. Also I am in forbandance I own XXXX and they said they can not use the money in my overage to apply to what is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
In XX/XX/XXXX, my checking account was compromised. I had to change checking accounts. I updated the payment information in my Loan Service Provider, but they did not update my automatic payment. They tried to debit the previous checking account, and it failed. They apparently sent a letter I never received. After said letter, they stopped all communication. They stopped sending any kind of billing notice. I did not receive a bill either electronically nor in the mail for over 15 months. I checked in on my account after realizing I hadn't seen a bill or debit from my account in a very long time and learned they had not billed me, but continued to accrue interest. So not only did they not notify me that I had a balance and payment due, but they also did not attempt to debit the updated payment information. I went to pay off the loan, and when I tried to do so, it gave me a total to pay off less the interest from the current month ( {$150.00} ), so even if I went through and paid the amount suggested, it would still leave a balance owed on the account. I believe that I should have legally been notified of a balance due, of a payment due, but was not sent any notification of the matter from XX/XX/XXXX - XX/XX/XXXX. The company was American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
my computer was hacked by people saying that they were from amazon security this was on XX/XX/2020 they told me that i had to help them by depositing money in banks in XXXX  the amounts were XXXX XXXX XXXX XXXX and again XXXXthey told me i had to do this when i told them i felt threatend the y said they were threating me and if i didnt do this they would come and commit XXXX  I was under XX/XX/XXXX son i submitted to ther demands after it was done they called and laughed at me i am now devistated. please help me hanover chas e is my bank in XXXX ca, I have tried to con tact them but with no rethe other organizations i have reached outsponce i filed with both lacal XXXX pd and then with the FBIcase no. is XXXX XXXX i have reached out tothe veterans administratio because i am a retired XXXX XX/XX/XXXXXXXX  XXXX error they could not help others i have reached out to are XXXX XXXX XXXX XXXX XXXX XXXX. i spoke chase global XXXX XXXX XXXX XXXX they do not respond to me.spoke to XXXX XXXX  at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ca she said she would stay in touch along with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Subject : Funds are missing / not deposited back to my account after selling full Paypal Crypto trading Issue : Trusted the name Paypal Inc as its an XXXX, so XXXX $ USD invested money in Paypal Crypto trading and purchased using from XXXX  XXXX XXXX debit card, after the purchase we realized unable to withdraw money in large amounts > XXXX $ so lost money due to crypto trading volatile which wont happen, so realized as its new service introduced in Paypal and its has lot of issues based on XXXX / XXXX / Paypal community complains in comments .. So decide for full withdraw / sell cryptocurrency able to sell successfully and received email notification states funds will be available within 24 hours back paypal account ( email proof i have ). When i reach customer care agent after 48 hours they told me there is no such transaction even after checking for 10 min 's. I have attached the email of the crypto sale then they are able to find the transaction and stated its an engineering problem and they are looking at it but its been 10 days no resolution so far and i haven't received my funds yet and i am not getting responses from customer care as well. 

Resolution : Need my funds back to my account that's still pending. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I am a Federally Protected Consumer. I checked my credit report and noticed a debt collector Jared-The Galleria of Jewelry has attempted to collect on an alleged debt and has placed it on my credit report as charged off and has forwarded my personal information such as number, address to XXXX XXXX XXXX. Jared-The Galleria of Jewelry has invaded my right to privacy. I mailed Jared-The Galleria of Jewelry a debt validation letter and was sent a letter stating I needed to send them additional information. 
However, XXXX XXXX XXXX provided me with Jared-The Galleria of Jewelry billing statements that were sent to them on an alleged debt. Pursuant 15 USC 1692c ( b ) I never gave Jared-The Galleria of Jewelry written or oral permission to have my personal information and to forward it to another debt collector to collect on an alleged debt. Pursuant 15 USC 1692b ( 2 ) Jared-The Galleria of Jewelry can not state that such consumer owes any debt ; Jared-The Galleria of Jewelry has forwarded billing statements to XXXX XXXX XXXX to collect on an alleged debt. Jared-The Galleria of Jewelry also forwarded an account summary from the " original creditor '' Sterling Jewelry. According to 15 USC 1602 ( g ) I am the original creditor. Jared-The Galleria of Jewelry and Sterling Jewelry and XXXX XXXX XXXX can not create, extend, or give credit. Please the attached.

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 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: IN

Complaint narrative:
Synergetic communications Inc. based out of XXXX Texas is stating that they are representing a creditor called XXXX XXXX XXXX and that I owe a debt originating from XXXX  XXXX. I never of had such a debt nor have owed that debt. Ive looked through my credit report and show no record of it existing. I have excellent credit and would easily know if I owed anyone. This seems like a scam or some type of bogus attempt to extract money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Mr. XXXX XXXX of the Bank of America branch in XXXX, New Jersey called me this morning XXXX XXXX and promised that all the over-draft charges at {$35.00} a piece for a total of {$140.00} would be removed as I have overdraft privileges by the end of business on XXXX XXXX. They have not all been removed. Three remain. He lied! 

I have overdraft privileges and so these overdraft charges should never have been made! 

Mr. XXXX also said he " escalated '' the matter but the said overdraft charges remain! 

I can not, therefore, use my checking account!

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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