vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
Home Point Financial will not let you modify payments within 5 days of a payment due date or during their " system maintenance '' hours, which are 2 hours per day plus another 6 hours on XXXX. This is almost 1/5 of the month, and for people who can't modify their payments during work, the system is only available to change payments about half the time. I can't imagine what kind of system maintenance would require 20 hours per week to do. This seems like a way to limit when you can modify payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This account has been cleared up and keeps reappearing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
In late XXXX  XX/XX/XXXX I purchased a Vanilla Visa gift card from my local XXXX to use to order XXXX  gifts from XXXX. I put {$150.00} on the card. I had no problems with my XXXX order, but in early XX/XX/XXXX decided I was going to spend the remaining balance, {$73.00} at the XXXX where I had purchased the card. The card was declined at XXXX, and my first assumption was that I had used the wrong pin #. I called the phone # for cust. service, XXXX and followed the steps to clear out my original pin #. I attempted to use the card at XXXX again, and again it was declined. I called customer service again on XX/XX/XXXX and this time spoke to a live person named XXXX. I told her of my situation and she explained that she would have to cancel my old card and send me a new one, which I would receive within 30 business days. I called back on XX/XX/XXXX and spoke with her again and she told me that the 30 business days would actually end on XX/XX/XXXX. XX/XX/XXXX arrived and I still had not received the new card so I called again and reached another person named, I believe, XXXX. She started giving me some excuses, and by this time I was starting to lose my patience with this company so I cut her off and told her that I was done with this company and would no longer be interested in a replacement card, that I wanted a refund check for the {$73.00} mailed to me. She put me on hold for a couple of minutes and came back to tell me she hadn't actually spoken with anyone but had put in a request for a refund check to be sent to me. She said I should receive the check within 10 business days, which by my calculation, allowing for XXXX XXXX  would have been yesterday XX/XX/XXXX. I checked my mailbox today and, more than 8 weeks after my original phone call, I still have not seen either a replacement card nor a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CT

Complaint narrative:
my original debt to XXXX  XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX  dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX  immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX  for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was scammed by a person on the phone who posed as personnel from XXXX XXXX XXXX and said they'll cut our power in an hour if we don't pay our delinquent bill from the previous month. I ended up using XXXX from Bank of America and sent him close to {$1100.00} to resolve this issue. I called the bank 's fraud department and they said the bank can only refund the $ when its fraud not when its scam. The issue I have is the fraud department already knew this scam artist, evidently they've been sweeping the XXXX XXXX with this scam and fooled many BOFA customers. I feel its the bank 's obligation to have notified its customers when they saw this happening to warn them. This didn't happen and now they are not refunding the $ back 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 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Michigan Mutual, Inc.
State: CA

Complaint narrative:
On or about XX/XX/21 I refinanced and paid off loan # 's XXXX and XXXX with Michigan Mutual Inc. The balances in the impound accounts was {$1300.00} and {$1400.00} respectively. On XX/XX/21 I received escrow payment checks of {$760.00} and {$950.00} respectively. On XX/XX/21 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )  and I called Michigan Mutual on a conference call and we spoke to XXXX ( no title or contact information given ) who could not explain the discrepancy ; at XXXX XXXX ( no title, initials XXXX ) told us that the missing money had been used to pay my property taxes ( she did not provide any transaction or check numbers for verification ) the call ended at XXXX XXXX At XXXX XXXX  I called and spoke with XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX who informed me that my property taxes were paid on the aforementioned properties on XX/XX/21 by the title company. No other payments have been received. Previous complaint : Ref # : XXXX File No : XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX , XXXX. XXXX at XXXX XXXX 

XXXX, I did speak to a few people today from Michigan mutual who assured me if it was double paid you will be getting the difference back. So I would look out for that. 

Thank you, XXXX XXXX XXXX XXXX NonProducing Manager XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Nelson Cruz & Associates LLC
State: MO

Complaint narrative:
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from Nelson Cruz & Associates around XX/XX/XXXX. He told me his company had one of my debts for XXXX XXXX for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ XXXX/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
So I applied for a credit card and this bank declined me for my credit card that defaulted more than 15 years ago and they said because of my previous relationship with American Express theyre discriminating against me and they even tried collecting this balance the collection agency after 15 years and threaten to put me in jail this new collection company that American Express hired since XXXX as threaten to put me in jail if I dont pay the whole balance so not only are they trying to collect the old balance is 15 years old Im trying to put me in jail for it theyre denying me a new credit card even though I have excellent credit now for a mistake that I did 15 years ago back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Commonwealth Health Corporation
State: KY

Complaint narrative:
A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. As stated in the HIPPA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is obviously a violation to my privacy is noncompliance of the HIPAA law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I filed a dispute with Equifax regarding erroneous information being reported on my credit report by the creditor XXXX XXXX XXXX. This creditor erroneously was reporting that my account was in collections and past due when in fact both myself and the creditor entered into a settlement agreement filed with the court resolving the matter and paying off the creditor. I notified Equifax as well as the creditor XXXX XXXX XXXX XXXX Account XXXX XXXX to remove this information and they refuse to do so in spite of the fact that I even provided supporting documentation that the matter wasn't in collections and the account was settled and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX wrongfully charged me for a service that I did not order, through PayPal. The funds were not available to cover it and I attempted to let them know. They still forced the transaction and instead of PayPal rejecting the cost, they forced a cash account that had no funds to create a debt. I attempted to file a complaint with PayPal and their issue is that the service was close to what the original order request was ordered and not that the charge should have never taken place since the funds were unavailable. So I wouldlike to file a complaint against PayPal for their wrongful transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The remarks on my Transunion XXXX XXXX account report the account was a charge off/ paid in full however the account status states charge off. I have requested Transunion correct this inaccurate information. They have not responded. I would like the remarks and account status to reflect the same information or this account should be deleted because of inaccurate information. 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 2021-04-16 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: CNG HOLDINGS INC
State: MO

Complaint narrative:
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from XXXX XXXX XXXX XXXX around XXXX XXXX 2020. He told me his company had one of my debts for Tempoe LLC for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ 50/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY TRANSUNION REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX california XXXX Visa card was drained of money and Bank of America has not helped me to complete the process for successfully filing a claim. The following are the dates of the authorize transfers, criminal fraud : XX/XX/2021. {$5000.00} transferred to BANK OF AMERICA account! 
XX/XX/2021 {$5000.00}. transferred to BANK OF AMERICA account! 
XX/XX/2021 {$2700.00} transferred to BANK OF AMERICA account! 


I was already aware that there is rampant fraud on XXXX cards and I had set the parameters of the account as follows : NO ATTACHED ACCOUNTS NO TRANSFERS ALLOWED NO ONLINE TRANSACTIONS NO ATM TRANSACTIONS NO INTERNATIONAL TRANSACTIONS NO USE OF CARD WITHOUT ID And despite all of these parameters the fraud was allowed to occur. 

I have a log of the phone calls today and list of names I have spoken to so far : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX a supervisor. Your supervisor, XXXX XXXX, has put me on hold, for a total of 40 minutes so far, and he put me on hold without explanation, without telling me the plan or what was happening. Please review my account and help me now. The fraud was brought to my attention today at XXXX and I was continuously on the phone with Bank of America XXXX XXXX until 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 monetary relief
Consumer complaint received 2021-04-16 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: IN

Complaint narrative:
PayPal closed my account for 180 days without any reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I HAVE A MORTGAGE IN MY CREDIT REPORT THE DO NOT BELONG TO ME. I DO NOT HAVE A HOUSE, THIS CREDIT BUREUS ALLOW SOMEONE ELSE TO REPORT IN MY CREDIT PROFILE ILLEGALLY.PLEASE INVESTIGATE WHY XXXX REFUSED TO REMOVE AN ACCOUNT THAT IS NOT MINE. SEE ATTACHED

Company response to consumer: Closed with explanation