vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
My father XXXX XXXX XXXX, XXXX passed away on XX/XX/2018. He had opened an account with XXXX XXXX a year or so prior to his death, and bought a table and two stools. The account went unpaid. After his death I saw that it was on my credit report ( I am XXXX XXXX XXXX, XXXX. ). Jefferson Capital continues to send me bills and collection attempts for {$580.00} for JCS reference # XXXX despite being informed of this wrong attribution, as well as also informing XXXX and the three credit reporting agencies via disputes. I do not know what else to do to stop the collection attempts and also fix my credit rating. 

JEFFERSON CAPITAL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I filed a claim to dispute charges posted to my account which I did not authorize or receive, and hours later was notified only by email that my account was going to be terminated indefinitely and did not give any reason at all. On XXXX XXXX I was denied my ATM withdrawals and received nothing, but the following amounts were posted to my account ( {$210.00}, {$200.00}, and {$220.00} ) on XX/XX/XXXX, The charges officially posted, and I disputed them with agent XXXX via telephone around XXXX XXXX ( EST ). On XX/XX/XXXX, at XXXX XXXX, I received an email notifying me of my account closure and my account ineligibility to receive my disputed posted charges back as a result even when I have emails from Chime saying those ATM withdrawals did not go through as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: LA

Complaint narrative:
Experian Information Solutions, Inc. 
XXXX XXXX XXXX. 
XXXX XXXX, California XXXX Reference : Report # XXXX ( I HAVE PROVIDED IRREFUTABLE EVIDENCES TO EXPERIAN THAT THIS SHOULD BE REMOVED. COLLECTION AGENCY TELLS THEM NOT DELETE IT SO IT REMAINS ON MY HISTORY. THIS LETTER SHOWS WHAT I PROVIDED THAT EXPERIAN STILL IGNORES. I AM TOLD THE COLLECTION AGANCY TOLD THEM THE COLLECTION WAS VALID AND EXPERIAN LEAVES IT ON MY HISTORY. i HAVE REQUESTED A FULL COPY OF MY FILE AND EXPERIAN REFUSES TO SEND IT TO ME. I HAVE REQUESTED A DEBT VALIDATION AND VERIFICATION FROM EXPERIAN AN THE I C SYSTEMS AND NEITH WILL SEND IT TO ME. ) Subject : UNFAIR HEARING ON MY DISPUTE BY EXPERIAN Action Needed : IMMEDIATE REMOVAL OF UNWARRANTED COLLECTION FROM MY CREDIT HISTORY. 
Furnisher of Unwarranted Collection : XXXX XXXX XXXX XXXXXXXX on behalf of XXXX XXXX, {$900.00} 1. Exhibit 1 Credit Report with Collection Inf0ormation REASONS FOR REMOVAL : I disputed this collection item with Experian on XX/XX/XXXX. 
2. Exhibit 2 My dispute letter with verification documents sent to Experian. 
a. Attachment 1 Copy of my check # XXXX in the amount of {$200.00} to XXXX XXXX dropped through the mail slot in the door of the office dated XX/XX/XXXX. 
b. Attachment 2 - Copy of Life Storage email acknowledging my payment dated XX/XX/XXXX. 
c. Attachment 3 - Life storage receipt for my payment dated XX/XX/XXXX. 
d. Attachment 4 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
e. Attachment 5 - Copy of my check # XXXX in the amount of {$57.00} XXXX {$13.00} for additional rental payment and {$44.00} in late fees the manager refused to waive ) to XXXX XXXX paid to the office manager dated XX/XX/XXXX. I gave my move out notice to the manager before handing over this check. 
f. Attachment 6 - Bank statement verifying XXXX XXXX cashed my check # XXXX. 
g. Additional Information : i. Attachment 7 Email from XXXX XXXX ii. Attachment 8 - LatXXXX Notice from XXXX XXXX. My response to XXXX XXXX dropped through mail slot in the door of the office dated XX/XX/XXXX. XXXX. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc.
State: MO

Complaint narrative:
Company at XXXX has called my employer repeatedly over the past three days. They have been told that employees can not take personal calls there. They even harassed my supervisor on her personal cell phone. The person at this company identifies herself as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
on XX/XX/2021, I was told by mortgage company that in order to apply to refinance I would need to pay {$550.00} with my credit card card to start the process, and this needed to start the process and I was even told that the since the property was just 2 years old that the appraisal fee would get back to me. Either if I get the refinance completed or not. 

Since the appraisal was never done and the company was not able the deal I requested the money paid a couple of times and they said it woukd take from 5 to 7 business days and I still have not received it. 

On XX/XX/XXXX I contacted by text and by email XXXX XXXX XXXX XXXX XXXX | Better Mortgage XXXX XXXX | XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX , NY XXXX XXXX NMLS ID # XXXX and I was told it would take 5 to 7 days and today is XX/XX/XXXXXXXX and I still not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have account with COINBASE for BITCOIN purchase and have invested about {$250000.00} and must have grown My account was working till XXXX XXXX and stopped working My 2 step Authenticator is not working I sent them multiple e mails and still COINBASE is not helping me to recover my account Will need recovery of my account Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My XX/XX/2019 mortgage was sold to Mr Cooper. 
A year later they offered a lower interest rate and lower monthky payment.Not only did my monthly paymeny go up.Now they say my eskrow is XXXX in debt.Thus raising my payment even higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
My account was terminated by Revolut. However, there are refund processed by merchant after account termination for several transactions in my account. Since I do not have access to my account anymore, I have asked them to refund it to my bank. They do not reply or isn't willing to refund my money. This company is very bad. They don't give proper support to users. They have bad policies and process.

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 2021-02-20 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

Complaint narrative:
My PayPal account was limited permanently so my money got limited for 180 days. The reason they say is because of unapproved file sharing services, even though I just sell a XXXX and they pay me to PayPal. I really need my money for my daily expenses and tuition fee. I believe that this was their mistake, even If I report this to them, they will not do something about this issue. Can you help me with this, here is my PayPal account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are 2 merging issues.

1-In XXXX, XXXX my husband lost his job. In XXXX, we filed Chapter XXXX bankruptcy. At that time we were waiting on a loan modification decision from XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX who modified the loan and raised our interest rate from 2 % to a predatory 7 % rate and gave us no options but to agree. We struggled to keep up with the {$1000.00} payment increase and fell behind. I lost my job due to COVID-19 in XXXX, XXXX and we were unable to make the payments. Then we were told that the investor, XXXX, was foreclosing on oh home and had a sale date of XX/XX/XXXX. We hired an attorney from XXXX XXXX to stop the sale. While waiting for a modification, another sale date of XX/XX/XXXX was scheduled. That sale date has been cancelled as well. However, XXXX XXXX XXXX and XXXX are REFUSING to allow us a fresh start modification, despite us providing evidence that we can now afford the payments. 

2- on XX/XX/XXXX, XXXX XXXX XXXX claiming to be a representative from XXXX XXXX  of WSFS Bank XXXX called me. He said that we had been approved for a loan modification. He gave me case # XXXX and said my mortgage payment would be {$1400.00} ( taxes & insurance ) and our interest rate would be 3.5 %. But first I had to pay an escrow balance of {$2000.00}. Believing that the loan had Ben sold by h investor and a modification had been approved, I gave XXXX XXXX debit card information to secure the loan. ( When I asked him to email proof of the loan modification, he said I had to pay an escrow balance first. ) After putting me on hold to process the payment, he returned to the phone and said that his financial system was incapable of processing my debit card or banking information. He instructed me to purchase XXXX XXXX XXXX or XXXX XXXX cards at {$500.00} each and call him back with the information. Sensing fraud, I called WSFS Bank to verify the loan information. I was informed that I was not in their system. When I did not call XXXX XXXX back with the prepaid card information, he called my phone 15 times in harassment. I finally had to block the numbers he was calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: MA

Complaint narrative:
CFPB, Equifax has committed multiple violations with my dispute with my XXXX XXXX XXXX account for payment made on time for the month of XXXX. After providing Equifax with factual proof of payment received and made on time multiple times Equifax continue to refuse to delete the inaccurate information on my account. CFPB please hold Equifax accountable for violating the Fair Credit Reporting Act. Multiple time with my dispute on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had a tenant who did not pay the rent for 14 months from XXXX XXXX XXXX.I made the payment all the way to XXXX XXXXfor the XXXX XXXX. I have paid taxses and insirance on my own for that house. On top of paying the mortgage and everything else for the house I live in. 
Being in this difficult situation I called the Bank of America to help me since the tenant was paying nothing. I was covered all the way ti XXXX of XXXX,. 
XXXX Ifot a letter from a debt collector, and my credit score dropped 142 points. This was done without any notice, despite of the fact tha It is not XXXX yet. This bank has been collecting money since XXXX for this Home Equity and they are so greedy in the midst of Covid 19?

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 2021-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I am trying to refinance my mortgage with my bank XXXX XXXX. I get a call from Newamerican funding asking to help with my refinancing. She stated that she is with XXXX XXXX XXXX XXXX  verified that they are part of their system today. NAF stated gave me an approval for my 20 yr term with a better apt but are going to charge me more for the loan. 2 days ago she send me a new loan estimate stating that the closing cost went up but did not explain why. I realized today that their loan is worst then my original loan and I want to file a complaint about Newamerican funding. I am trying to get a comparison and I did not get that. I am getting ripped off from NAF and I dont want to deal with companies that think that this is ok. She is taking advantage of the fact that I did not know what was going on. I will include all 3 loan estimates from both companies. Please review. I will try to close out the Newamerican funding loan but what happens if they wont let me who can I call for help in this. I will have to talk to a lawyer now to remove them from my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made a purchase on XX/XX/XXXX for some items from XXXX XXXX online XXXX XXXX XXXX for {$180.00}. It appears that the company is based in XXXX. I noticed that in XX/XX/XXXX, I still didnt receive the items. So I requested a refund. The company admitted that my package was never delivered to me and told me they would give me a refund once they received the items back. I did not receive the refund as I cant return what I dont have. So I filed a dispute with my credit card company, Apple Card. As of yesterday, the company refused to give me a refund and the Apple Card representatives said because the companys provided proof that I purchased the items and the company said they were giving me a refund, they are ruling in the merchants favor regarding the dispute. Therefore, the {$180.00} charge will stay on the card.This is not acceptable because I never received the items and the company has not given me a refund. Apple Card is not a safe credit card to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My boyfriend submitted Unauthorized transactions of money he sent to my account He wasnt approved for the refunds he received a email saying he wasnt approve and the case is closed on his end. But the case is still open on my account PayPal is charging my account for the transactions my bf submitted and it has my account with a negative balance but PayPal didnt approve the authorizated transaction for my bf second I sent my mom XXXX $ to her PayPal account on portions because PayPal wouldnt allow me to send it in a full amount soon has I sent it PayPal closed my account and my mothers account XXXX is her PayPal email for no 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 months 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 non-monetary relief
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Since XXXX my mother fell behind on her mortgage due to pandemic ( illness, job loss and tenant loss ) and was able to resume paying more XXXX vs the XXXX that she was paying before effective XX/XX/XXXX and will continue to pay this amount. Since XXXX I have attempted to work with SPS to either A. defer the outstanding balance to end of loan or B. allow her to repay the amount into months that does not exceed XXXX dollars. I have sent paper work, filed multiple loan assistance forms for them to share in XXXX that they can break up payment into XXXX ( she will lose her house and set herself up for failure if she accept this plan, I have shared this with SPS ). Again on XXXX I re applied for her with the same request only for SPS to again on XX/XX/XXXX share that they need her to pay XXXX. Please help my older single widow mother keep her home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Volvo Car Financial Services U.S., LLC
State: NC

Complaint narrative:
We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I have a loan with Freedom Mortgage and I feel there is something not right how they are handling my FHA loan. I have been paying on it for almost 7 years and payment is going up again for escrow. My pmi should be dropping off, but when I called last time, I was told 11 years. Yesterday told twenty plus years. I feel I am being ripped off. This fha mortgage was owned by another bank and Freedom mort. took over. I feel like I am getting taken advantage of. Payment should be starting to go down. Can you please check their business practices?

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 2021-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Original Issue Interest charge ( {$100.00} ) on a direct deposit cash transfer offer ( XXXX ) revived in mail, dated XX/XX/XXXX. Also please review another offer ( XXXX-here the reference to direct deposits was clearly called out ) dated XX/XX/XXXX. As you see, the most important aspects of this offer-XXXX ( card purchases and direct transfers are NOT eligible ) was not displayed or mentioned along with the original text and instead it was hidden in small fonts in the footnotes.

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 2021-02-20 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: NJ

Complaint narrative:
XXXX XXXX XXXX I ask Midland to provide me with documentation that this debt was mines and all They did was send a pre-legal notice that tell me a snippet of they debt. 
on XXXX, I sent the furshier XXXX notice to verify the debt and they send it to Midland and today on XX/XX/21 they send me a copy of a 1 of my statement saying this debt is accurate according to there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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

Complaint narrative:
PayPal closed my account for no 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 months 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 ''

Company response to consumer: Closed with explanation