vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX. I filed a complaint with the Federal Housing Finance Agency. Against XXXX XXXX Home Mortgage and Select Portfolio Servicing , Inc.. Regarding fraudulent mortgage servicing, violating the fair credit reporting act, and other financial crimes. Related to my XXXX XXXX Mortgage and unlawful monthly mortgage payments from XXXX til present. Also around the filing of my complaint to the Federal Housing Finance Agency. I was awaiting a response from Select Portfolio Servicing , Inc.. In regards to my Consumer Financial Protection Bureau complaint. Regarding their wrongful criminal participation as it related to my XXXX XXXX Mortgage from XXXX til present. In XX/XX/XXXX Select Portfolio Servicing, Inc, denied any wrongdoing and refused to make any corrective updates to my three credit reports. Shortly after on XX/XX/XXXX the Federal Housing Finance Agencyacknowledged receipt of my complaint. An Select Portfolio Servicing, Inc had a change of heart and made corrections to my credit history thats reported to all three credit reporting agencies. Now, on or about XX/XX/XXXX. Select Portfolio Servicing , Inc has started to demand payment for a mortgage account they know to be paid full as per XXXX XXXX Mortgage. And that they know is under investigation for mortgage fraud and other financial crimes. Select Portfolio Servicing , Inc also knows that there is not a creditor listed on the fraudulent mortgage account they have been servicing for my property. And they also know they unlawfully decided to raise my fictional monthly mortgage payment after I paid my escrow shortage in full earlier this year. Ive recently contacted the Federal Housing Finance Agency again regarding these new unlawful activities by Select Portfolio Servicing , Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Johnson Mark LLC
State: OR

Complaint narrative:
Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX and XXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian congratulated XXXX XXXX on improving his credit. 
Effort after effort to find out -more finally lead to be advising that the score is XXXX According to expert the score was XXXX Requested whether or not the false claim ( s ) by XXXX XXXX XXXX was finally dropped was not answered. 

Just submitted medical reports that indicate : ALL MEDICAL RELATED BILLINGS MUST BE DROPPED. 

XXXX ON THE XXXX OF XXXX WAS DEMANDED BY CERTIFIED MAIL TO DROP THIS BILLINGS 1 ) NO XXXX BEFORE THE SURGERY @ XXXX XXXX ) THERE IS NO NEED FOR XXXX  THAT DOCTOR @ XXXX WAS TOLD BY XXXX XXXX ON THE XXXX DAY OF 3 VISITS THAT HE DID NOT WANT & NOW THESE TESTS PROVE IS NOT- REPEAT NOT NEEDED SAID DOCTOR BILLED MEDICARE FOR 3 UNNECESSARY VISITS THAT XXXX CHALLENGED TWICE BY CERTIFIED MAIL TO MEDICARE

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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Receivables LLC
State: CA

Complaint narrative:
According to text messages which I have XX/XX/XXXX Lien receivables LLC Contacted me about a XXXX XXXX that was towed and they are accusing me of oweing XXXX dollars. I contacted DMV in XXXX and they said ignore them because that car is not in my name and I am not a previous owner according to DMV records. I ignored them after explaining DMV said that I am not a owner please contact them with any more questions please do not contact me anymore. They called multiple times and then as of today XX/XX/XXXX they contacted me through text message again after stating please leave me alone about a debt that isnt mine, They contacted me and said they sent me a letter which I did not receive and still they threatened to mess up my driving record or registering another car and they also threatened to mess up my credit due to this debt that isnt mine again I stated for them to leave me alone and that this is harassment. Ive been called the Federal Trade Commission and they transferred me to CFPB to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: KS

Complaint narrative:
My XXXX year old son son was given a prepaid Visa gift card issued by Vanilla in the amount of {$50.00} last year ( XX/XX/XXXX ) by a friend for his birthday. The card was in a sealed tamper proof holder/envelope. We just opened the card today ( XX/XX/XXXX ) and I called in to get the balance and an automated system told me the balance is {$1.00}, so almost the entire balance has been drained by Vanilla or the issuing bank in less than a year and a half. The gift card package says the only fee is a {$4.00} purchase charge the first time its used, the expiration date on the card and packaging is listed as XX/XX/XXXX, and there is no other indication that usage/account fees or charges would apply, so we had no idea this company would drain the balance before the card was ever opened, activated or used. When I attempted to call Vanilla to speak with customer service and inquire whether there had been any charges and to complain about whatever fees they have withdrawn I got an automated system and was out on hold for half an hour before I gave up. Also, I could not locate a way to email them or otherwise contact customer service on their website. When looking through the printed materials/warranties provided with the gift card, there is no fee schedule listed ( only the purchase fees are listed ). This company is withdrawing fees before cards are even activated and not clearly indicating that fact on their packaging or even in their warranty materials, and is not a available to field inquiry calls or complaints. My son has lost virtually his entire birthday gift to these predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Okay I'm going to start out with Mom banking account with Current Online Banking. Twice this year someone has been able to log in to my account and wipe my monthly XXXX check out twice also happened early this month. Also few months ago someone sent Social Security Administration a letter stating that I have changed my banking information which I did not do after Social Security look it up they said it was electronically done through my bank. I called current and they said that they did not do it. Now after signing up with XXXX XXXX they just sent me a statement stating that my credit had dropped so I looked on it and there are a couple loans that I did not do. 

Update : Partial of my XXXX check was taken in three transactions ; XXXX XXXX XXXX XXXX XXXX XXXX My entire XXXX check has been taken in two transactions, XXXX $ and XXXX XXXX which only left about XXXX $ in the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/21 called XXXXXXXX XXXX XXXX and/or XXXX XXXX ( XXXX XXXX XXXX ) when I finally reached a rep ( XXXX XXXX described the situation ( fraud indicator about address ). I wanted to know which address was triggering the fraud indicator. She was unable to tell me that info, suggesting I try a dispute wXXXX. I've already done that, and the issue has been going on for a month w/numerous phone calls to creditors, credit bureaus, and XXXX XXXX. XXXX sent me to her supervisor XXXX. XXXX was unable to help me either and kept referring me back to XXXX How is it possible for any and all of these organizations to provide information about me, to potential landlords/creditors/etc and have no documentation to back it up? XXXX said the info was verified. Since I still don't know which address specifically they are referring to, how was it verified? What is that verification? No one knows or is willing to share that info w/me the consumer that they are reporting it about. There is no accountability to anyone for anything they are reporting that I can see.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/21 I had approx 200 transactions of small amounts back to back which amounted to almost {$1800.00}. Since I was at work I did not see the notifications until my account had been cleaned out. I immediately canceled my card and contacted customer care. First of all, customer service for the company Cash app is only online. You can not actually speak to anyone. When you do speak to the reps they have cut and paste responses and give little to no help. Once I was finally able to get through to someone I was assured my claim was escalated and it would take 10 business days for them to accept the claim and then up to 45 calendar days to receive a resolution. Through out the course of this time they do not reach out or provide any type of communication and each time I reached out I received the same generic response that they do not have an update and I will receive an email once they did. We are now past those quoted dates and I still have not been given any type of response. Im beyond frustrated with the lack of communication and care this financial institution has for its customers. The fraudulent transactions were obviously fraud, and when you look at their website they claim to have security measures in place. This company needs to work on their customer service, they need physical phone lines available for those who have experienced fraud and they need security measures in place that wont let 200 fraudulent, suspicious charges take place on your account in less then an hours time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

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 2021-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm been sending letters for Validating and verifying the REPORTED infromation on my accounts for more than 6 months!!! 
I have my consumer rights to get my report CORRECT and REPORTING only VERIFied and TRUE but some accounts are missing DATE OF LAST ACTVITY or reported WRONGFULLY, Date of last payment is INVALID or LATE PAYMENT was NEVER LATE. 
Letters sent out for Personal information and other Negatives false reporting accounts on and BEFORE : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 But the accounts still shows date last verified on these accounts XXXX, I never got a respond letter from the bureaus or the creditors VALIDATING or EXPLAINING the ERRORS reported. and the accounts are not marked as DISPUTED!! compelty IGNORING MY LETTERS even though I added to each letter my identification documents!!

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i have 2 issues that need to be addressed. ( 1 ) I had a group of credit / refunds owed to be by a merchant. at least ( 21 ) of these credits posted to my account between XX/XX/2021 through XXXX, XXXX. After the credits were adjusted to my account, I have a credit balance of at least {$40000.00}. When I requested my credit balance to be mailed back to me, I was advised all the credits were transferred over to some internal Citi account, however, Citi is now telling me they can not access my account and that they have no idea where my credit balance is or how to submit a request for the refund to be mailed to me. ( 2 ) in addition, Citi also needs to adjust all interest owed to me in connection to the credited transactions, which has not been corrected on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi, I filed a dispute with Chase against the merchant XXXX for a transaction that occured on XX/XX/XXXX. I filed the dispute on XX/XX/XXXX. XXXX is a monthly subscription box service. I changed my subscription to a monthly subscription prior to my renewal date, but they did not process it and charged me for the full 6 months for {$270.00}. I disputed XXXX of this transaction, or {$220.00}. I received a notice on XX/XX/XXXX that my dispute was denied. Chase did not reach out to me before their verdict to get any info from me. I called them and was told to send a letter with my support to an e-mail provided, which I sent on XX/XX/XXXX. I did not hear back from them. After waiting, I then called again and was told to submit a secure message on the Case XXXX, which I did on XX/XX/XXXX. They replied on XX/XX/XXXX saying they were looking into it. I did not hear back, so I once again reached out on XX/XX/XXXX. I was then told to call them. I called yet again and they told me too much time had passed an that they did not receive my reply on XX/XX/XXXX ( for which I have gmail proof of ). So now they want me to mail it in -- which I will do, but I am sure I will be led in yet another circle. In addition to all of this, the merchant did not even send the remaining boxes and Chase would not let me open another dispute. So I paid money for something I didn't authorize, and on top of that, after being stuck with the charges, I did not even receive the products I didn't want in the first place. I'm really upset with Chase 's dispute process as I reached out multiple times and they did not once reach out to me to contact me on the phone during this process or to ask me anything. I've just been told to contact via XXXX XXXX and nothing was ever done. I'm just at a loss as to what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC
State: RI

Complaint narrative:
SL Finance disguised itself as a business to help with student loan payments. They have received a {$1000.00} of my student loan payments to them. Upon asking my new student loan balance, there was no response so i tried to reach out this company about this. No response from the company resulted in me changing my registered credit card that they have been charging for the past few months. Please shut this company down

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone opened an account in my name around XX/XX/XXXX, there is a balance of {$5100.00} on the card ending in XXXX. I obtained this information from JP Morgan and chase and told them to close the account on XX/XX/XXXX. I contacted all three credit bureaus and asked them to place a freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This debt was already successfully disputed with another collections agency and is a duplicate collection attempt of a debt I don't owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Around XX/XX/2021 I reached out to arrange a stipulated judgment agreement/payment plan, as XXXX XXXX XXXXXXXX were suing me on an old credit card debt/breach of contract. I have previously entered into such agreements with other firms and never had an issue, once discussed, they were happy to agree and submit documentation to the court. We arrived at an agreed amount, I was informed of many things, including I'd need to sign papers as to our negotiated agreement ( which arrived very late, but that's fine ). I had made it clear this was a stipulated judgment and, at no time, was this corrected. A few weeks later I received notice that a default judgment would be entered against me. When I asked the firm about this, I was informed " because you didn't contact the court ''. This had never been the case and I was given to understand this would be a stipulated judgment. I receive the unprofessional reply of " oh, we don't really do those. But you're still on a payment plan, so it's okay ''. This gives an unfair advantage to the firm, which, obviously, had I known they were planning on proceeding thusly, I would ; ve contacted the court, myself to avoid this from happening. They also failed to fully disclose their intentions, on multiple levels, all FDCPA violations.

Company response to consumer: Closed with explanation