vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
This is pertaining to XXXX XXXX XXXX XXXX. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. At that time I had 50 years driving experience and no points on my record. In XX/XX/XXXX I was rear ended by a XXXX that drove off and my car was totaled. XXXX did not investigate the accident being that it was in downtown XXXX with cameras everywhere which they could have easily done and I requested. I had pre-existing medical conditions, retained an attorney and was placed on medical leave. XXXX referred my case to Investigations, accused me of causing the accident which I still don't understand the rationale and made numerous derogatory harassing insinuations. I had no choice but to continue with XXXX who continually increased my premiums from {$200.00} to {$370.00} per month. In XX/XX/XXXX I could no longer afford the payments. The term was XX/XX/XXXX through XX/XX/XXXX. I made all the payments through XX/XX/XXXX. Being that insurance payments are paid in advance of coverage this covered XXXX through XX/XX/XXXX. XXXX canceled the policy XX/XX/XXXX. I insured with another agency XX/XX/XXXX. 

Since then XXXX has been sending me bills for {$360.00} alleging the XXXX bill. They placed a derogatory rating on my credit report. I disputed the item with XXXX and XXXX has never substantiated the item. Since then XXXX has referred this to Caine Webber Collection Agency who proposed an alleged settlement. When I disputed the amount with them. They sent a XX/XX/XXXX bill. I told them my last payment was in XX/XX/XXXX and then the insurance was canceled. They asked me to substantiate that I had insurance with XXXX. I asked them not to contact me again. I never gave them permission to contact me on my personal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
XX/XX/XXXX I got laid off from work due to XXXX  XXXX and the XXXX. Since then Ive been on a Forbearance. As of XX/XX/XXXX XXXX still in forbearance until XX/XX/XXXX As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES XXXX Act, mortgage accounts in forbearance as a result of XXXX can not be reported negatively to the credit bureaus by lenders. 

During this time PHH mortgage negatively impacted my credit reports by submitting that I am XXXX days late. I am not late Im in forbearance. I have an XXXX  loan. 
My XXXX  XXXX is XXXX XXXX XXXX Ive sent XXXX emails with no response! 
Their number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: FL

Complaint narrative:
XXXX never received a card from unemployment fl. been waiting still waiting but yet its active but i see nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: CA

Complaint narrative:
I have been trying to get some incorrect information of my Experian report. To start XXXX XXXX Account # XXXX this is suppose to be at XXXX and I have been fighting this since June of 2020 I have sent them proof of this. XXXX XXXX XXXX Open XX/XX/XXXX, this debt was discharge on a 1099C tax form that means the debt was cancelled and is not balance owned to the creditor. I have sending in proof which I will send you too. I want this deleted off my account since it has been almost a year and they refuse to do anything even after I gave them proof. 9 months and still nothing has been done after counts attempt what in the world do I have to do?

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 2021-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Received a {$600.00} XXXX  card recently. Apparently I either did not create a password or did not record the password correctly because I am unable to use it : getting a password incorrect message. So I called the customer service number on the back of the card ( XXXX XXXX XXXX XXXX ) because I read on XXXX that if I phoned customer service I would be able to reset the password. 

Unfortunately, upon reaching customer service I am asked for the XXXX card number and then its password! The recording would not let me continue without the password. I tried several different options from the recording but can get no place without the password ( which is why I am calling ). I am reaching out to you in hopes of resolving the problem or at least alerting someone to the issue. Thank you. 

XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Bankruptcy showing on my credit report, I contacted the Bankruptcy court clerk and their response was they don't report bankruptcies to credit reporting agencies or to any credit bureau therefore it is in error that it is showing on my credit report or it is a Lie! either way the credit reporting requirements do not comply with the FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted 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 2021-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
during the hurricane in texas i was having problems paying on my five year line of credit. chase offered to modify my line of credit and changed it 12 months after hurricane XXXX promising to place the missing payment on the back end of the loan but instead without my permission what i was given was a 30 year note for XXXX dollars per month to pay back a 5 year XXXX dollar line of credit. i never agreed to that and i did complain to chase bank. so i am to pay back over XXXX dollars for a line of credit where ishould have funds in it all of this happened while they were helping texan during hurricane XXXX. i accquired this loan in 2005 so i got 16 years of payment without my signature or permission and i have 20 years left man can a dude get some help from chase jp morgan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: World Omni Financial Corp.
State: FL

Complaint narrative:
SETF, has reported to my XXXX with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXX. SETF  corrected my XXXX  but they caused my XXXX to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for SETF to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 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: NV

Complaint narrative:
In XXXX of XXXX  I disputed public records on my account containing Bankruptcy. The investigation verified the information as accurate. On several dates including via recorded phone calls on XXXX this Consumer was denied the source that provided the information furnished on my report. THIS is a direct violation of my consumer protection right to know the source. This Consumer has submitted documentation from several sources including the XXXX XXXX XXXX  XXXX in question, in addition I have submitted documentation from XXXX. Transunion did an incomplete investigation. XXXX also file a manual dispute with Transunion on my behalf that Transunion refuses to respond to.

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 2021-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
I signed up for the Gemini crypto currency exchange ( www.gemini.com ) on XX/XX/XXXX. I submitted documents to verify my identity that day, along with a {$500.00} transfer from my bank a few days later. To date ( XX/XX/XXXX ), Gemini has not finished verifying my identity and I am therefore unable to withdraw my money. I have REPEATEDLY tried to contact their support organization, with absolutely no response. These are the dates on which I contacted support : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Their excuse has been unprecedented volume, but some people are verified in minutes and others, like me, have waited weeks with no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, has reported to my transunion with a XXXX increase to my balance. The balance is charge off as bad debt as they mentioned on previous complaints.My credit score has went down 80 points like previously with my XXXXXXXX XXXX corrected my XXXX but they caused my transunion to go down 80 points from a old charge off. Charge offs shouldnt change amounts month to month so unsure why my balance increased by XXXX effecting my credit by 80 points.It doesnt make any sense for a old debt to keep changing and effecting my credit score. I understand it will be on my credit file but for XXXX to continue to make changes to the account and hitting my score is unfair. This is my 2nd time with this issues with them.

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 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: NC

Complaint narrative:
I have an account with XXXX XXXX and I initially registered with my XXXX number. On XX/XX/XXXX night, I received text message and email from XXXX, which the XXXX XXXX banks with, about several fraudulent activities on my debit card. I called their fraud team and confirmed those were unauthorized transactions. The fraud team agent said she locked my debit card and asked me to contact customer service. I called customer service and they issued a new card for me and asked me to contact resolution team to file the disputes. I called resolution team and the agent said I'll need to fill in a form that she'll send me in the secure message in the XXXX APP. I asked if they can file the claim for me because that's what a typical bank would do when there's fraud. The agent said it's their procedure and there's no other way to do it. 

It's such a hassle for a victim of fraudulent activities. I never take this debit card out of my home, and only use it on a secure state government website. 

I can not login to my XXXX XXXX account because of some issues with the XXXX wireless account. I tried to change the phone number associated with the account to another wireless provider, but still I can not login or reset the password with the new number. 

Based on what the resolution agent told me, I'm stuck now because I can not login to the account and file the dispute. I can verify my identity and they have verified my identity, but I can not login to their APP to file the dispute of fraudulent transactions and they can not help me with it. The XXXX XXXX account is open to the ones without a XXXX phone number, and people do change their phone services providers. So I should be able to change to another phone number and login to my XXXX XXXX account. But it doesn't work! 

The bank account is mine and I should have access to it no matter what. And for the dispute process, they should not be asking the victims to file the forms and do it on their end like all other banks. 

And I found it's not only me experiencing the fraud, there're a number of other people got exposed to this very recently.

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 2021-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: GA

Complaint narrative:
I have repeatedly told Harley-Davidson Financial Services to NOT call me at work about my motorcycle loan. I have called the company numerous times to tell the XXXX man who can barely speak English to STOP calling me at work. His name is XXXX XXXX and he tells me to call XXXX. This keeps happening over and over and over and it is harassment and I've reached the end of my tolerance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX I made a purchase from XXXX. When I placed the order I realized I used my checking account which ends in XXXX, so I immediately changed it to my capital one credit card which ends in XXXX. Capital one paid funds from my checking account and my credit card to XXXX. I reached out to XXXX and they assured me they only received the money from the account ending in XXXX. So I Disputed this charge with capital one. So long story short after 3 disputes they keep saying they did not find a error. I contacted capital one and they told me the reason why they keep denying it is because I am not emailing them XXXX proof or information. I emailed them 3 times plus I went to a branch in XXXX XXXX on XXXX XXXX. The teller emailed and fax them over the paperwork and they still said they did not receive it from her. Unfortunately I do not have the fax receipt anymore because I thought the situation was handled. When I asked them was there anyone I can talk to in that department they said the department who handles the disputes do no take phone calls. I asked them about their legal department and they stated several times they do not have one. They never referred me to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I received a direct deposit of my federal tax return on XX/XX/2021. On a cash app card and the app on phone i had just opened. Cash app through emails are saying they did not receive or reject this amount of money on my card or account number. XXXX dolars was the smount. I do not owe taxes, have a off set, or child support. This was for a recory of the 2 stimulus payments that went out. They have no answer for me and federal government is saying they deposited these funds. XXXX is who was emailing me. With no answer. Also checked return bank info was correct

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I am eligible to have my PMI insurance removed. I tried calling the mortgage company customer service line. No matter what options you choose it eventually brings you back to the beginning of the menu as if you just called in. It has been like this for a while. I tried several times over the course of 5 weeks and it puts you in a loop and you can not get anyone on the phone. I wrote them letters to all addresses I can find for them asking them to remove my PMI Insurance. The PMI Insurance is still on my monthly statement. 

The name of the company is Lakeview Loan Servicing , LLC. XXXX  XXXX XXXX XXXX  XXXX, VA XXXX. XXXX My loan number is XXXX. My name is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I recently applied and closed a refinance mortgage for the amount of {$450000.00} from Rocket Mortgage by Quicken Loans. {$320000.00} paid off the balance of my previous home mortgage and I was supposed to receive the disbursement amount of {$100000.00} after closing on XX/XX/2021. I requested this disbursement amount to be wired to my bank as shown on the attached application form. However, the disbursement amount would not show few days since XX/XX/2021. I thought that it would usually take few more days to complete the transfer process. After more than a week passed, I decided to call Rocket Mortgage to find out what was going on. While trying to reach out to the right person, I was tossed between difference extensions numerous times as usual for the big company. In the beginning, they denied any flaw in their process and claimed that the disbursement was wired to the right bank account by using the information I provided on the application. However, during their internal investigation later, they found that their title company, XXXX, had sent the money to the wrong routing number. Firstly, I could not understand how this could happen, however, I accepted their explanation then demanded to reimburse the interest amount for 10 days which I had not receive this fund. They calculated the interest amount for 10 days and they sent me the check via XXXX. We made sure of the right routing number and they promised to resend the amount immediately. 
Few days passed and there was no fund showing on my bank account. I reached out to Rocket Mortgage and went through the very same process to explain all over again. 
They still insisted the money was sent to the right routing and account. Later, of course, they found that XXXX had sent the disbursement to the same wrong routing number they had sent first time. Since then I have been calling and requested to send me my disbursement immediately because I need this fund to pay the general contractor for my home renovation. After 2 months, they are not doing anything to resolve this issue and continue to tell me they can not do anything until they retrieve the money back from the wrong bank account they have sent. Why am I being punished for their mistake not only once but repeated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal has been constantly calling me about an amount I owe them. They call 7 days a week multiple times per day and no one is ever on the line, the moment I answer and try to speak to someone they hang-up or the call fails. They call while I am asleep, driving, and working. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16 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 — Problem with personal statement of dispute
Company: American Coradius International LLC
State: NJ

Complaint narrative:
On XX/XX/2021 I was sent a collection letter from American Coradius International LLC for {$170.00}. Upon research, they provided no proof of charge for the account. There was no consent to this collection at all. They did not provide me with any signature or proof this was on my account. According to the FCRA, The American Coradius International LLC has violated my rights as a consumer. I am requesting legal action to remove my collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation