vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
I was in forbearance due to XXXX from XX/XX/XXXX through XX/XX/XXXX. In XXXX of XXXX, I advised my mortgage company that I wanted to be out of forbearance, and asked them to defer the outstanding loan balance to the end of my loan, to which they agreed. They told me they would process my loan and take me out of forbearance, and it could take up to 30 days. Since XX/XX/XXXX, up until today, XX/XX/XXXX, I have made 3 on-time monthly payments and I am still not out of forbearance. I have called my mortgage company at least 10-15 times in the past few months to ask why I have not been taken out of forbearance. Initially, I was told it could take 30-60 days due to a backlog of cases. When I called back after 60 days, I was told my loan would be out of forbearance within 14-28 days, and I was quoted it would be out of forbearance by the end of XX/XX/XXXX. I called back after XXXX ended since my loan has still not been taken out of forbearance. I have called back at least 6 times since then, asking as to why my loan has still not been processed, and I have been hung up on, or told there is no time frame to take my loan out of forbearance. I have asked to speak to a supervisor, and every time, the representative has denied me the opportunity to speak to a supervisor. They say they will have a supervisor call me back, but I have yet to receive a phone call from them. Representatives now tell me that there is no time frame for me to get out of forbearance. I have done my part to get out of forbearance, and they have not delivered as promised to take me out of forbearance. It is costing me the opportunity to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
The transaction was done at XXXX on XXXX XXXX in XXXX XXXX Texas I deposited cash {$460.00} on my PayPal cash card account at XXXX business center I got a receipt of cash deposit with reference my PayPay cash card last 4 digits of my pay pal master card number this is a routine transaction that I have done before and usually money is in the account in 10 minutes but this time when there is a pandemic going on in money so tight it doesn't go through and PayPal says that you don't know where the money went XXXX says you have to call the card issue or we did our job so I didn't do anything wrong I followed the proper channel offered by PayPal that works all the time and didn't break any rules or any guidelines any fine print I have receipt for it and they don't want to even acknowledge it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY SYSTEMS, located at XXXX XXXX XXXX XXXX, VA XXXX, has been sending me collection notices in the amount of {$480.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my wet signature that validates that I have to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ND

Complaint narrative:
Dear Sir or Madam : Shellpoint Mortgage Servicing, the servicer of our mortgage loan at XXXX has recently obtained our loan from XXXX XXXX XXXX. Please treat this as a Notice of Error pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 
Shellpoint notified us in a letter dated XX/XX/XXXX that we have been imposed with forced placed hazard insurance. The amount of coverage on this policy is {$250000.00}. There is no value remaining in the home and/or is the home in an insurable condition. The original lender, XXXX XXXX XXXX failed to follow the Flood Disaster Protection Act of 1973 and we lost all of our personal property and newly purchased home as a result of it. There is no basis for forcing hazard insurance as well as the unfounded amount of coverage they implemented. This is a violation of 12 CFR 1024.37 ( b ) and ( c ) 1. 
We are wrongfully being charged {$2000.00} worth of an annual premium for a policy that does not cover anything. Additionally, Shellpoint mortgage servicing is defrauding an insurance company for a policy on a home that is uninsurable. 

Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
{$79.00} was charged to my Bank of America Mastercard on XXXX. I called BOA while the charge was still pending to alert them of the fraud, but they let the charge go through and denied my claim after investigating.

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 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/21 - went into U.S.Bank on XXXX XXXX XXXX XXXX XXXX bank to open just a checking account. Bank servicing person was XXXX XXXX XXXX set-up I specifically said that I did NOT want overdraft protection. She gave me a form acknowledging my choice but also had me " e-sign '' that I agreed to a Reserve Line of Credit which is specifically for Overdraft protection. This caused a hit against my credit score and a reduction in my credit worthiness, not to mention the issuing of a unsolicited, unwanted credit instrument due to her Sales Misconduct and Bad Sales practices ( ala XXXX XXXX XXXX. On XX/XX/21 - after receiving a number of emails speaking to my " credit approval '', which I have never seen required to open a checking account, I return to the bank and talk to another bank officer, XXXX, and ask what this was all about. I show him my copy of my " Overdraft '' refusal and ask what generated this line of credit that I didn't ask for. He showed my signature at the bottom of the Line of Credit Acknowledgement Statement. I was a bit taken aback because there was my signature and I couldn't explain it. So now I have two papers in direct opposition to each other. A few days later I realize the Line of Credit was an E-signature. Easily slipped into other docs and maybe stated through masks and plexiglass, but certainly the opposite of my expressed and documented " no overdraft '' demand.

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 2021-03-11 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting I however, never received any calls, notices, or letters from IC Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me 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 2021-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
We applied for a construction to perm mortgage with BB & T ( Truist ). We paid for construction items outside of closing which were to be credited at closing. 

The underwriter refused to issue credits for monies prepaid claiming that they didn't know about them. We can prove that they did. 

Construction permit {$990.00} The down payment on our lot {$6700.00} Septic deposit {$2500.00} Septic installation {$1500.00} Water permit {$1100.00} This refusal forced us to bring extra monies to closing. 

They are now holding approximately {$12000.00} of our money as lender-held equity and are refusing to disburse it back to us. 

This ... after we went through 7 months of an approval process. This bank 's underwriting department is inept and abusive and has caused us an unfathomable amount of emotional distress.

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 2021-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Docuservpro dba Simple Repayment
State: AL

Complaint narrative:
I was contacted in 2017 by the Simple repayment company. They told me they would set me up on a payment plan and contact my student loan company and keep me in good standing with them. They said that I was to pay {$49.00} a month until the amount of $ XXXX was paid and they would make all the student loans go away. I agreed to have this done as long as my student loans were dismissed. However this is a scam. When you contact the loan company XXXX XXXX XXXX ( the company that takes the money from my account ). They tell you to contact the original people ( simple repayment ). They were saying that this fee was only for paperwork to be filed on my behalf, however this is not what was told me when I signed up for this arrangement. This company is just a scam to get money from you in hopes that they will take care of your student loans. After discovering this I have contacted the department of education to set up an actual payment plan to fix my account. This company will not longer be receiving any money from me.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I been with Lexington law for year and 3 months I had to pay XXXX then I had to pay $ XXXX  month then I had to pay XXXX dollars then drop to XXXX month in that time they clean some of my credit score XXXX XXXX XXXX XXXX Experience Is customerservice there rude and when you trying to come to some kind of conclusion I tell you that they're not returning No money back no refund Can you tell you that they did everything that they could to clean up my credit I'm only telling you or just false lies They are scammers Before banana what is my credit score they can't even come to clues and what is my credit score but keep on telling me that is my credit score is gon na go up once I removed bad Inquiries And other things telling me nothing but lies lies liesI have to pay other company to fix my credit And this is so terrible my credit score is 4 Before I was with them l was almost XXXX or XXXX Before I need something to be done about this company Gon na be shut down cause they're ripping off people Real badly I see reviews about other people Much they have ripped them off I hope this help so no one go though what I went through it a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: PA

Complaint narrative:
A chase debit card was opened in my name and I was sent a card to activate. I did not request this and I heard on the news that people in my area were also getting the cards which was determined to be a scam. I spoke to Chase and they are deactivating the accts, but I need to fill out a form they are mailing and file a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING A MEDICAL RELATED DEBT ON MY CREDIT REPORT. ITEMS HAVE BEEN UNLAWFULLY AND INACCURATELY REPORTED EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

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 2021-03-11 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: NY

Complaint narrative:
I sent out disputes to all three bureaus and I have yet to receive any response yet from XXXX, Equifax or XXXX. This is my third time sending in a dispute and waiting for a response. All i ask is for all three bureaus to investigate and update my inaccurate information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc.
State: NJ

Complaint narrative:
THIS COMPANY IS REPORTING A MEDICAL RELATED DEBT ON MY CREDIT REPORT. ITEMS HAVE BEEN UNLAWFULLY AND INACCURATELY REPORTED EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-03-11 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: TX

Complaint narrative:
I have disputed many inaccurate items on my TransUnion credit report. TransUnion did not respond in a timely manner so I sent them a letter indicating they had not complied within the required 30 days. A few days l received an 'updated ' TransUnion credit report in the mail with no changes. I sent TransUnion another letter requesting they describe the method of verification used to validate and verify the disputed items. In response to that letter, TransUnion sent me yet another letter telling me that I had already disputed the items and that they were refusing to take further action. TransUnion has never truly verified or validated these items on my credit report, they have only sent me generic, computer-generated, canned responses to my inquiries.

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 2021-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/2021, I lifted the credit freezes from 4 bureaus ( XXXX, XXXX XXXX XXXX ) so I can apply for a savings account. 
I then went to Marcus ( Goldman Sachs ) online savings website, and applied for a savings account. 

I got a message saying I should call the bank for manual verification, and asked me to reference application ID XXXX. So I did. After some time on the phone ( a call I recorded - I normally record all my phone calls as standard practice, and I am in Texas, a single party state ). After asking me to repeat all the information I provided online, I was informed I am " manually declined '' for Goldman Sachs 's failure to verify my ID. 

After further contact on XXXX with Goldman Sachs, it was suggested maybe I have a typo in my application. So I applied again, triple checked everything, and got denied again ( application ID XXXX ), with the same pretext. 

I have credit scores over 800 in all bureaus, and a high net worth individual who just wants more bank accounts opened to increase my FDIC coverage. I keep my reports frozen as a precaution and lift them only when needed. 

Goldman Sachs failed to disclose why I was denied, and failed to disclose what bureaus and databases they used to reach their decision. 

I have decided not to pursue an account with them anymore, but I have recently examined XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  and found no issues. 

I demand that Goldman Sachs disclose to me, in writing, what databases they used to reach their decision, as I have the right to examine those records and make sure there is nothing about them that is incorrect. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My son has a youth checking account with USAA. He was the victim of a crime and USAA 's policies contributed. 

A scammer contacted my son on the internet and convinced him to deposit 2 checks for {$4000.00} each and transfer back a smaller amount using XXXX. 

As a USAA account holder, my son was targeted for this scam. Scammers know that : 1 ) USAA provides immediate access to large sums of money via mobile check deposit ( other financial institutions give access only to {$200.00} and wait 1 week for the rest ) 2 ) USAA 's youth spending limits are broken. USAA allowed my son to transfer out {$3500.00} to the scammer despite my setting a limit of {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation