vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I submitted a certified letter to the company Pro Collect INC demanding to be shown verification that this debt is valid or I asked them to delete the debt. I did not hear back from them in the 30 days required by law.

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 2021-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter Young was contacted on XX/XX/XXXX to validate the alleged debt. It fails to respond to the validation letter. On XX/XX/XXXX, Carter Young reported the medical debt as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my credit report.. On XX/XX/XXXX, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Carter Young failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NE

Complaint narrative:
I recently re-financed my home last year with caliber home loans. I submitted all the documents for my homestead exemption. There was nothing in any of my loan documents that stated that they would continue to collect taxes from me. They continued to do so and after several conversations via phone and email to Representatives of caliber, I was unable to get them to stop collecting money from me that I was not liable for. They claim that they are legally able to so since, in the state of Nebraska we have to refile every year for the homestead exemption. This may be true but I don't think this gives them the right to collect money from me that I am not liable to pay due to both a state and federal law that excludes me as a XXXX person to pay home taxes!! I have over {$2000.00} in escrow right now that they are withholding from me. I do not believe that this is, nor should be legal! I am not liable for taxes so why are they legally able to collect them from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I purchased an item from XXXX XXXX and returned, XXXX was contacted for pickup, the merchant claims they never received the item from XXXX so I contacted Capitalone to dispute, I sent over the information as requested, they claim they never received, there is no way to send them an email, only fax which obviously they don't monitor, they closed my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/2020, I used the MoneyGram Money Transfer Service to send {$1000.00} ( a XXXX dollars ) to my sister bank account in XXXX. I have sent money through this company but this time was the first time I send it to a bank account XXXX XXXX XXXX. I followed the directions in their application ( personal information of the recipient ) and where it said to write the bank account number it indicates it is an eleven digit number. I had my sister 's debit card and wrote the last eleven digits of her debit card and the transaction went through. Transaction reference # XXXX. The next day I called my sister XXXX XXXX in XXXX and she told me the money didn't show in her account. On Monday XX/XX/XXXX, I called MoneyGram XXXX XXXX XXXX XXXX to let them know the issue and the person who took my concern was very polite and acknowledged it was a problem with the transaction because I have input the wrong bank account but he said he was going to correct the problem. He asked me for the account number where the money should go and I gave him XXXX 's debit card number ( 16 numbers ). He gave me the case number XXXX and told me the process was going to take 10 working days. He told if I wanted to call Moneygram to make inquiries about this transaction to refer to this case number. After the 10 working days, called my sister and she said the money wasn't there yet. On XX/XX/XXXX, I made two calls to MoneyGram to let them know the money wasn't in my sister account. I explained the situation to the two representatives who took my call and they told me MoneyGram wasn't responsible for the transaction because it showed as complete transaction and they recommended to get the money through my sister 's bank. My sister took the case to her bank XXXX and they did an investigation and they didn't find the money XXXX XXXX case # XXXX ) On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. They told me to call them in two weeks to check the status of my case. Today XX/XX/XXXX, called MoneyGram to inquire about the case and the person who took the call told me they can't do anything about it because the transaction its complete XXXX XX/XX/XXXX ) and they can't return the money. This situation its frustrating because they promise they are going to resolve the problem and they just give me runarounds. I have worked very hard for my money to just let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: GA

Complaint narrative:
Initiated XXXX of our existing VA Loan with Veterans United back in XX/XX/2020. 
As of today, Veteran 's United has not scheduled a Closing, even though we repeatedly have asked for it. In fact, we have asked a Closing date no less than 4 times. 
NO communication from loan rep, unless we initiate the communication. The rep can not hide his condescension and lack of interest. It appears also that the rate he quoted to us is higher than rates quoted to Veterans with " white '' sounding last names. The loan rep insists that the problem is that my first name was misspelled and that's causing a 3 month delay with no end in-sight. NO apologies from the loan rep. I asked to to be contacted by in-house counsel because I am an XXXX XXXX XXXX and hoped that communication with another attorney would move the process along. He denied the request, perhaps the loan rep can not believe that a XXXX is an XXXX XXXX XXXX and to top it off the Special Victim Prosecutor of several XXXX installations. 

The higher than normal interest rate, the complete lack of transparency, and the obvious condescension and bias from the loan rep, all combined with the main problem that we still do not have a Closing date after 5 months led me to file this compliant. Further, I am not even sure the rate promised will the actual effective rate, since it has been so long since guaranteed.

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 2021-01-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint on XX/XX/XXXX I just now received my balance of {$6300.00} on XX/XX/XXXX. Thank you for that by the way, but I have not received my additional money taken from me by Bank of America. In my first complaint I mentioned they owed me my balance above, but they also owe me additional money, which they did not return. When I first filed my claim with Bank of America they gave me temporary credit in the amount of {$2000.00}, as I mentioned in my previous complaint that with all of the money being stolen from my card, I immediately took it off. I had thought everything was done, and I got my money back, but then on XX/XX/XXXX they took that money back, which put my account in the negatives. I guess they came up with the conclusion that I was a fraud, so it's understandable that they would take it back. Since my bank account was in the negative they froze my account, which meant I could not use or withdraw money from the account, and from then on every time I received money from EDD they took it until it was all paid back. They gave me back my initial complaint balance which included the temporary credit, but they have not given me back the additional money that Unemployment gave to me. From XX/XX/XXXX to XX/XX/XXXX, they took my unemployment money, that was supposed to be because I committed fraud. On XX/XX/XXXX {$210.00} and {$300.00} a total of {$510.00} was deposited, on XX/XX/XXXX {$300.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, on XX/XX/XXXX {$210.00} was deposited, and finally on XX/XX/XXXX {$210.00} was deposited in which I believe only {$2.00} was taken from it. All of this money was deposited by EDD/Unemployment, but I had no access to use because Bank of America took it, this is all additional money that was taken. It would have not been taken if Bank of America would have not deemed me as a fraud, as you see I am not because they returned my money and found no evidence. The amount of money they owe me is {$1400.00}. It's unfortunate I had to file another complaint in order to get the additional money they took, and neglected to return even though I mentioned it in my previous complaint.

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 2021-01-08 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On, XX/XX/2020, a derogatory mark was added on my credit report per XXXX XXXX from Credit Collection Services and as allowed under the Fair Debit Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPPA authorization. 

If you are unable to provide a copy of my signature with the provider of service to release my medical information to you please cease any credit bureau reporting until the debt has been validated by me. Additionally, please terminate collections efforts, remove and notify all credit bureaus such as XXXX, XXXX, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt as it may be in violation of the Fair Credit Reporting Act. 

Please note withholding the information you received from any medical provider is an attempt to be HIPPA violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt before filing a HIPPA compliant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I started recieving emails from LVNV Funding LLC about a past due XXXX bill. I am a current subscriber to XXXX XXXX  for 3 properties, so this immediately brought XXXX  to me,. After contacting XXXX XXXX, I was told I am paid up to date, I have no past due obligations to the company, and I am on an auto pay for all 3 accounts. 
I just recently received notice via mail from Resurgent Capital Services attempting to collect the same debt through XXXX XXXX, working with LVNV Funding LLC. As I looked at the bill, the final bill is from XX/XX/XXXX. Over 11 years in age. This is past the statute of limitations for the state of Michigan. I called the collector on XX/XX/XXXX and asked why are they attempting to collect a debt over the 6 year mark, and they said there is no limitation on trying to collect this debt, which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
chime closed my account with my deposit of {$7600.00} still in it from unemployment XXXX say I can't get a refund never used my card I also have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
The borrower received a Trial Payment Plan Offer from SELECT PORTFOLIO SERVICING , INC, which is enclosed. The Trial Payment Plan Offer states that {$100000.00} will be forgiven by the investor once the modification is permanent. She relied on this and accepted the Trial Payment Offer. She completed the trial payment in XX/XX/XXXX. 

She recently ordered a payoff on XX/XX/XXXX. This payoff reflected a {$350000.00} amount that was due, which does not reflect the forgiven amount. In review of the final modification offer dated XX/XX/XXXX, instead of a {$100000.00} principal forgiveness, there was a principal deferral of {$100000.00}, which was contrary to what was promised during the Trial Payment Plan. 
We ask that the CFPB please review this matter and contact Select Portfolio Servicing , Inc. in order to come to a resolution for this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Requested several times to remove fraud alert from my Equifax credit report. Please remove fraud alerts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I filed a fraud claim for {$810.00} for a charge from XXXX XXXXXX/XX/XXXX 

On XX/XX/XXXX I received a provisional credit in the amount of {$810.00}. 

On XX/XX/XXXX my account was overdraw in the amount of {$810.00}. Bank of America claimed they issued two provisional credits on two separate dates ; XX/XX/XXXX and XX/XX/XXXX in the amount of {$810.00}. However, the bank made a clerical error because they filed two claims on XX/XX/XXXX instead of the one I initiated. Bank of America ; s representatives made two separate claims without my initiation of the additional claim. 

On XX/XX/XXXX Bank of America sought to recover their error by adding the additional credit to my account which resulted in my account being overdrawn {$800.00}. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Representative who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to my account. 

On XX/XX/XXXX I spoke to a Bank of America Claims Manager who admitted the bank made a clerical error by processing two claims which resulted in them taking back the additional credit which resulted in the overdraft to 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 monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested several times to remove fraud alert from my Experian credit report. Please remove fraud alerts from my credit report immediately.

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 2021-01-08 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
During my service in the United States XXXX, I sustained a injury that grew to be more significant. I fell during a dismount patrol in XXXX in XXXX. We were on a small COB with no xray equipment. All medical personel who treated me thought that it was just aXX/XX/XXXXI had fell and myXX/XX/XXXX was stuck in a position on my rifle and when I fell, It was on top of it with my XXXX bulletproof vest. Fast Forward to XX/XX/XXXX. After a couple sharp pains in my XX/XX/XXXXwhile picking up items, we went got it XXXX XXXX. The found a gap in my XX/XX/XXXXwhich is the foundation of your wrist. I let NFCU know about it and that it would hurt me financially because the XXXX was rushed. I asked for other payment options from the representative but the only answer given was " To keep them informed because there was no other options, this continued into XXXX which was a nightmare. The first XXXX didnt work due to error from a dr from the VA and they had to go back in. they were taking XXXXXX/XX/XXXXfrom different sites trying to repair it which was painful. I was in and out the hospital all XXXX due toXX/XX/XXXX from all the different sites and had to get hospitalized due toXX/XX/XXXX from all the XX/XX/XXXX. All of these times this bank is reporting late and I was never given a forebearence or any other options. It sincerely saddens me that NFCU never listened marked late payments and completely deteriated my credit. Veterans like myself come back from serving with injuries sustained physically and mentally and since NFCU is a veteran focused financial institution I would think they would understand the fight that we face returning back to the states. I gave notices and was fighting for my light sometimes during XXXX. My surgeries did not end until XX/XX/XXXX when I received XXXXXX/XX/XXXXin my dominant XX/XX/XXXXnow that I can not move and does not have any range of motion. I think this injury does give me enough XXXX and XXXX. NFCU should consider correcting my history due to I was hospitalized and in and out of my house. If I was the only person I was taking care of I would not of been late but I have XXXX children and between me being hospitalized and unable to provide, making sure my children can eat was the only reason I was late to ensure their fed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2021 I checked my balance on mobile app, figured funds were low. Had ACH transaction scheduled ; went to drive thru to make deposit-both drive thru ATM machines were unavailable. Went to walk up ATM -same problem. 

XX/XX/2021 same situation. Now saw on mobile app that {$29.00} return fee will be charged. Stood on line to go inside to make a cash deposit ; was told I would need to contact representative either by phone or message to her {$29.00} returned to my account. Sent message inquiring if {$29.00} could be returned to my account & if I could make cash deposit at other location, ( but that location HAD CLOSED with no REOPENING DATE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Account name : Santander/Chrysler cap Account number : XXXX First in 2015 it is reported that i have a full year with on time payments yet shows on my credit profile that it was 30 days late XXXX of 2015. 

Second : it was reported that the balance was {$4000.00} but the principal was {$2900.00}. 

It also shows that the account was written off for {$4000.00} but the past due amount was {$4600.00}. 

Lastly it shows that the highest balance is {$0.00} on the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive filed a dispute in regards of the incorrect information on my credit report. It has well been over 30 days and yet havant received any status of investigation or results.

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