vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-04 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/2020, I received a letter/bill from Resurgent Capital Services in the amount of {$610.00} and there is a derogatory mark on my credit report with XXXX. Upon further research, this account was sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it is mine. According to FCRA, Resurgent Capital Services has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bizcorp, LLC
State: MO

Complaint narrative:
ON XX/XX/2021 revoked my ACH debit authorization from the organization so i can have better control over my account. I never said I would not pay. The response I got was they would garnish me. I don't think it is necessary to threaten me with garnishment just because i do not want auto debits done to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: VA

Complaint narrative:
Direct Express denied my fraud claim even though I had local sheriff 's department case number and gave them the name of who did the fraud.. crimes against the elderly and our veterans needs to stop

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went into the COVID forbearance with my mortgage provider, Wells Fargo, as a precautionary step in case I was not able to pay during the pandemic. I stopped the forbearance after two months because it looked as if I would not need to proceed with the third month. 

When I cancelled it, there was no mention by the representative at WFH about the missed payments, and now my loan is considered in default. When I called today, after I received their letter, the rep stated I had only one option and that was to repay the back balance instead of it being tacked in to the end of the loan, extending the payments by two months as I had originally thought was the case. 

I did not know that I was in default. I have not heard from WFH until now and I can not afford to raise my payments, or go through a loan remodification or refinance because this has hurt my score.

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 2021-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
Between XX/XX/2020 I had received a bill of collection from XXXX  XXXX XXXX XXXX. I paid that account. Now XX/XX/2020 another company affiliate asset solutions , llc is trying to collect that same debt that I already paid. I receive phone calls and now an actual mail letter but with out a detach lower portion where it tells you to actually send a payment. I ended up going through their website. I giving out my information as it asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
I purchased a home in XX/XX/XXXX and secured a loan from Mid America Mortgage. I have had continuous payment processing issues since the inception of the loan and have attempted to resolve this issue with the lender numerous times without any success. Today I called and asked to speak to a supervisor and the first agent told me to hold for a supervisor and then hung up on me. When I called back, the next agent refused to let me hold the line so I elected instead to send a complaint. Additionally, I signed up for an XXXX  Accelerator Program to make payments on my behalf however, there are still payment processing issues. 

According to my XX/XX/XXXX statement from Mid America, they are saying I have an outstanding balance of {$4900.00}. 

Please find below a list of the dates/activities that have occurred as of today : XXXX XX/XX/XXXX - Mortgage Payment Made ( as part of closing ) {$8400.00} XX/XX/XXXX - Payment Reversed {$8400.00} XX/XX/XXXX - Mortgage payment reposted {$8400.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XX/XX/XXXX - Signed up for EquityPlus Program XX/XX/XXXX - Canceled ACH Recurring Payment with Mid America XX/XX/XXXX - Equity Plus started withdraws from my account XX/XX/XXXX - Mortgage Payment Made - {$2300.00} XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$10.00} additional principle XX/XX/XXXX - Mid America Reversed the Payment - {$2300.00} & did not show receipt of additional principle ( {$10.00} ) XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle XX/XX/XXXX - Mid America shows receipt of payment + additional principle on XX/XX/XXXX statement XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 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: GA

Complaint narrative:
I have been trying to unfreeze my minor children 's credit files since XX/XX/XXXX. I originally submitted all the required paperwork in XX/XX/XXXX via fax. I called to check on the status and was told they threw the paperwork away because it was " too light '' ( no one reached out to me to tell me this ). I refaxed the paperwork and mailed a hard copy. I was given a confirmation number over the phone that the freeze was temporarily lifted until XX/XX/XXXX. When we went to the bank to open checking accounts, the bank was told the accounts were still frozen. I called Equifax back and was told that they couldn't find ANY paperwork this time. I sent all the paperwork via fax and mail AGAIN ( this was in XX/XX/XXXX ). Then I was given confirmation numbers that the freezes were permanently lifted. We went back to the bank. We were still unable to open checking accounts because Equifax told the bank the accounts were frozen. I mailed paperwork AGAIN in XX/XX/XXXX. Today, XX/XX/XXXX, I was told they do not see that paperwork anywhere. I was told they can not even access the accounts to see if the freezes are in place or not without the paperwork since the kids are minors. ARE YOU KIDDING ME??? How many times do I need to fax/mail this paperwork with all of my children 's sensitive data?? This is the most inept organization I have ever had to deal with! All I want to do is unfreeze my kids credit long enough for them to be able to open their own bank account. It should NOT be this hard!!!! I had no trouble with the other 2 reporting agencies. Why is Equifax so horrible?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: GA

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.

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 2021-01-04 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: CA

Complaint narrative:
A loan company mistakenly place funds in my account and also took payments for the loan back I did not discover it until a second payment was taken out my account. I was instructed after they refunded me my 2 payments given to the loan company that they would send the loan back to the loan company I needed to sign a document and take it to a local branch I went to Chase on XXXX XXXX XXXX XXXX to close that account an open a new account. That to the best of my knowledge went okay then not longer then a day that funds did not goto the loan company it was placed back in my new account. Let me back up funds that was in the old account the loan and my regular balance of maybe {$120.00} was in there. I had sent {$20.00} by XXXX before that account was closed. So to my knowledge and confirmation the {$20.00} was sent but the new account was so unbalanced and no statement was generated for this month of XXXX so I fell victim to them saying what they kept doing taking funds out without permission and them XXXX Chase XXXX admitted there was a system error they admitted but could not add XXXX so they gave me a balance of XXXX. {$500.00} the loan that the loan company refused to take back and $ XXXX {$140.00} dollar not placed back in my account. Went to branch and talked to Branch Manager an office staff but one transfered and the other after several messages will not return my call. Which makes this branch suspicious since when I called the chase by phone they said this branch was the one that restricted my account and left no note as reason why please help I have been trying to recover my funds for over a month and keep getting the run around. I find it odd it funds were in the old account in XXXX why wasn't a statement generated?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX-XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX-XXXX  PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I received a collection notice from Radius Global Solutions. I asked for verification of the debt. All they sent were statements showing an accountant being charged fees on top of fees. I subsequently asked for more verification as what they sent didn't meet what is required by FCRA. I am once again asking Radius Global Solutions to provide me with 1 ) An ORIGINAL contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor not just buying debts for pennies on the dollar to collect illegally. 3 ) Proof that you are licensed to collect debts in the the state of Colorado 4 ) a line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of an account in the negative being charged fees. 5 ) roof that you the collection agency are in compliance within the statute of limitation in the state of Colorado. If you can not provide the aforementioned materials, collection efforts need to stop and this needs to be pulled from my record.

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 2021-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My loan was recently transferred to Specialized Loan Servicing. My loan does not have an escrow account, however there is currently an escrow balance of {$3700.00} on the account. I have contacted SLS several times about the refund of this balance but have not received any update on when it will be disbursed to me.

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 2021-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
I am writing to file a complaint about Optum Bank, https : //mycdh.optum.com/ I have participated in my employer 's flexible spendingaccount ( FSA ), both on medical and dependent care. The accounts will automatically withdraw funds from my salary and put it into FSA, managed byOptum Bank for the purpose of pre-tax savings. Due to the CARES Act, employees are allowed to have a new election to put more fund into account mid-year, therefore I selected additional {$480.00} this past XXXX into my XXXX medical FSA, in effect beginning XX/XX/XXXX, as you can see in the attached pictures. On XX/XX/XXXX, I submitted a medical claim incurred as copayment {$250.00} ( I had a biopsy in XXXX and another excision biopsy in XXXX, resulted in twice {$250.00} XXXX, here I only submitted the first one ), then it was partially denied and the reason was insufficient fund, which was incorrect as I already had new fund elected and the total of my balance at the time was {$490.00} in that account ; I called the Optum customer services after several failed attempts re-submitting the remaining " denied '' amount {$230.00}. I received their phone call back in late XXXX telling me it was approved and I should receive my claim within 3-7 days, but I didnt receive the claim check, so I called their customer services again, then received a call saying it was approved, but still did not receive the check after a week. It's already been several cycles of me calling them and they responded in either calling back or sending me secure messages. During these past 3 months, much of my time and energy has been spent on this single claim/matter. On XX/XX/XXXX, the representative told me via secure message that I needed to provide the receipt for that claim, even though I already submitted the receipt over 2 months ago XXXX ( and many times XXXX and was approved, before my claim could be " approved again ''. On XX/XX/XXXX, I received a secure message from customer service asking me to call them, with my name spelt incorrectly.To date, I still have not received my claim and have not been able to subsequentlysubmit my second {$250.00} copay incurred in XXXX. I still have {$490.00} remaining balance that is withheld ( illegally ) byOptum Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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