vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I started to receive letters from Midland Credit a couple months back for a said amount of {$1400.00} that they claim I owe. I sent them a Debit Validation letter via certified mail on XX/XX/2020 to ask them to please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.

I mailed it out to the address that they have on file that says to mail any kinds of disputes there, which according to them is located in XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX. I received the return slip that certified mail is sent out with and returned with a signature by XXXX XXXX showing that they indeed did receive my letter but they have not answered me with the information I requested to validate this said debt. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent a letter to Wells Fargo on XX/XX/21 by certified mail # XXXX. It looks like it arrived XX/XX/21. Ive attach letter I ask company to validate debt. Letter I sent is attach I mean I do have that right as a consumer. I even included a copy of my if. And in return they company sent me a letter saying they couldnt find me in the system? So why is that my responsibility I sent the letter with copy of social and Id Im requesting deletion of this account for failure to validate debt.

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 2021-06-08 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 — Investigation took more than 30 days
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Upon checking my credit report I notice a company popped up as a collection which is not accurate at all and I know nothing of the company brought my credit score down and there telling me I have to wait I was about to apply to get a loan this made my wait longer 1+ month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX 

Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing. 

XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income. 

None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data. 

XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction. 

There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX. 

I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a linked savings and checking accounts with Wells Fargo. 

I had {$3300.00} in my checking account and {$3200.00} in savings. Checks for XXXX and XXXX went through the checking account and Wells Fargo charged me a {$35.00} " insufficient funds '' fee and did not transfer funds from the linked savings account. 

Since it hardly costs {$35.00} to transfer money from one account to another, this seems like an illegal charge.

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 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtiss has harassed me since 2015 I have submitted information numerous times i had state covered benefits through california XXXX XXXXXXXX and XXXX of 2015 my family was moving from XXXX XXXX county to XXXX XXXX county California during the inter county transfer this bill was never paid. Done my due diligence on this matter however this has not ben resolved.XXXX XXXX county says they are not responsible although the date falls under coverage for that county. XXXX XXXX XXXX XXXX is the original debtor. This is the only debt on my credit report and should not have been in the first place. i have submitted proof of coverage and still this remains on my credit report. Trying to rebuild my credit at this time this is my only bad mark, on numerous occasions this matter has costed me from gaining credit. I have faxed info to XXXX I'm at a loss of how to resolve this issue Please help me remove this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.

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 2021-06-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.

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 2021-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. 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, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been trying to gain access to my Equifax report and score since XX/XX/2020 TO NO AVAIL! I've called, I've emailed, I've fax numerous times, I've sent regular mail - everything that they asked for. I've sent copies my Driver 's License, my SSN card, my voter 's registration card and a utility bill. They should have this information in their office at least 8 times - sent the variuos ways I've mentioned. 

If they are using an old email XXXX to contact me I will never get it bc I no longer have access to that email. I have informed them of this - what feels like XXXX times. My current email is XXXX. 

Please, please, please, please, please tell them to fix this immediately as I have proven who I am countless times. 

This is my XXXX complaint on this. There are attachments in the other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: MI

Complaint narrative:
Company Frost-Arnett XXXX, TN ( Debt Collector ) trying to collect {$6000.00}, XX/XX/XXXX ( A medical bill from XXXX ) to creditor XXXX XXXX XXXX, MI Early in XXXX, I tried to dispute with both XXXX and my health insurance ( XXXX XXXX ) company about this large bill. Apparently, they didn't bill my insurance. I tried calling them both ( several times at least 3-4 times each ) trying to resolve this issue. I was tossed back and forth and they never gave me a straight answer. I suspect this was some kind of financial scheme to coerce me to pay {$6000.00} instead of having my insurance take care of it. I had paid my health care deductible in full in XXXX and shouldn't have a bill that high.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reached out to this consumer reporting agency by via phone call. I informed the representative who I spoke to that this agency is in violation of the FCRA ( Fair Credit Reporting Act ) - pursuant to 15 USC 1681 ( b ) - number ( 2 ). Which states " subjection to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. '' Representative did not comply with my instructions. I informed the representative that I will be forwarding over supporting documents in writing by via USPS Certified Mail on XX/XX/2021.

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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I made a cash deposit on a Bank of America ATM for {$1300.00} dollars. 
On my account summary this deposit appears with date XX/XX/XXXX as a proof that the deposit was made. 
On XX/XX/XXXX, on my account summary an ATM Debit adjustment is made for {$1300.00} dollars. 

On XX/XX/XXXX I presented myself at XXXX XXXX branch to make the claim where the Relationship Banker XXXX XXXX XXXX helped me to solve this problem, on this date my {$1300.00} were refunded to my account while they make the investigation. The ID reclamation is XXXX On XX/XX/XXXX I received a message from Bank of America stating : That unfortunately they were unable to approve my recent claim. 

They found the transaction the I referenced but they can't find any record of cash or additional cash being deposited at the ATM for {$1300.00} dollars between XX/XX/XXXX and XX/XX/XXXX. 

Hence, they removed the on XX/XX/XXXX my {$1300.00} dollars. 

I need my money back, I am sure that with the evidence of the deposit transaction made at the ATM and showed in my Account Summary is more than enough. 

Thank you for your help.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal limited my account for 180 days and when the day is up to I cant add my bank or card to the account since the card in the account has been outdated. I keep calling and texting them but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a Pennsylvania address and items reporting on my credit that should not be there.

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 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
We keep getting Unknow fees added to our mortgage payment each month. When calling several times and on phone for long periods of time, none of the employees can answer what these fees are and why we have them. They say email the loan department as they dont take any calls XXXX how can I not even speak with the loan department in 2021 ) and then wait 30 days. You wait and then receive a decline email with no answers. SHELLPOINT MORGAGE-stop taking peoples 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 2021-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I opened an account with XXXX on XX/XX/2021. On XX/XX/XXXX, a cumulative {$2300.00} was transferred to this account. On this very same day, I attempted to log in and was unable to access my account. After calling XXXX, I was informed my account was closed for " business reasons, '' and no specific reason was given. They have informed me it will take 1 week to formally close the account and another 7-10 business days to mail the check to the address on file. A supervisor named XXXX is monitoring my account and will notify me by email when the check is mailed. However, I am submitting this CFPB complaint, as this is truly the most outrageous experience I've had with a bank. On the day I transfer funds to this bank, they close my account and hold my funds XXXX for 2-3 weeks. It is incredible that they would not let a customer transfer the funds out prior to closure and instead hold the funds for several weeks. There is also no way for me to access the account to monitor the funds. This situation is extremely alarming.

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 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Mortgage switched me from paper to electronic statements without my knowledge, consent or advising me of the change. I pay all of my bills off of paper statements. As I never received the bill, the payment was delayed. As soon as I noticed the issue, I paid the mortgage immediately, however at that point it was a few days over 30 late. I called Chase to get switched back to paper statements and they removed the late fee, however Chase reported a 30 day late on my and my wife 's credit reports. This late payment was caused through no fault of my own as I never got a statement and they never sent me anything saying they switched me from paper to electronic. I called them, I wrote a letter, I spoke with various people and escalated all that I could and Chase refused to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
The bank prequalified me to loan modification twice, yet they are sending me paperwork telling me I am not qualified and when I call I am told it is a mistake. I am still not getting the paperwork from the bank. I prequalified for the flex modification back in XXXX. It is now XXXX and the bank is trying to get me to sign paperwork without the modification. I am appalled that this is happening. I feel like I have no one to help me and the bank continues to not do their part to fix this problem.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX  /Cbna XXXX I have tried to call this company four times and i can not speak to anyone. I have also tried calling Citibank Cbna and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.

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 2021-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Been faxing for a year! WELLSFARGO LIES ALL THE TIME, SEE XXXX XXXX XXXX ONLY NEED 3 MONTHS!!!!!!!!!!!!!!!!!!!!!!!!!!! AND TOOK INFO OFF RECORDERS OFFICE????????? Will keep complaining til done!

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