vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
On XX/XX/2020 I received an alert from XXXX and XXXX   that a derogatory remark was added to my credit report along with a new collections account. I had no idea where this was coming from. I called the number associated with the collection company. South West Credit Systems LP. They informed me that this is a debt from  XXXX XXXX. Which is also referred to as XXXX and XXXX XXXX. I explained that this information was incorrect. I had already paid this debt and my account was closed. I was referred to a supervisor. I sent him an email explaining the circumstances and I included a letter which stated that this account was removed from my credit report. I also asked for their Consumer Affairs License number as I will send over a formal complaint to the Department Of Consumer Affairs. South West Credit Systems LP, is in violation of the Fair Debt Collection Practices Act. South West Credit Systems has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. South West has reported on my credit report and in a letter dated XX/XX/2020 ; that they have had my account in their office since XX/XX/2020. However, I never received any of the above mentioned discloures or rights I'm entitled to by federal law until XX/XX/2020. My complaint that was written to the supervisor, stating I would make a formal complaint with The Department of Consumer Affair, is when I received bills and disclosures in the mail dated XX/XX/2020 not at initial contact or within five days. I will hold all parties accountable. South West Credit Systems LP and XXXX XXXX regarding my civil rights, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. My civil rights were violated and so was the federal law. South West Credit Systems and XXXX XXXX are prohibiting me from moving into a new home with my family during unprecedented times. During a pandemic. Which Covid -19 has affected me personally. I made an agreement with XXXX. My account was PAID and CLOSED with XXXX Collection Agency on XX/XX/XXXX, XXXXThis account was also removed from my credit report by XXXX. If this matter isn't corrected I will pursue legal action. South West Credit Systems LP said they had my account since XX/XX/2020 however XXXX was the agency who negotiated, agreed and collected on my account. Please remove this account from my credit report immediately. Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have a collection reporting on my credit file by CONVERGENT OUTSOURCING that is not mine. I have contacted them and I was informed that they could not locate this. I verified with them all my personal information they requested and still no success in locating me. Im asking for help in removing this from my credit report. It was reported on XXXX and the amount is {$210.00}

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 2020-08-29 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: LEXISNEXIS
State: IN

Complaint narrative:
I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with Lexus nexus. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On LexisNexis. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent certified letters numerous of times adding more and more information. I've included an identity theft letter from the IRS, an police report for identity theft, and a letter from the bankruptcy court saying that they did not verify a bankruptcy with XXXX XXXX. My information is mixed up with another XXXX XXXX. I would like the bankruptcy removed from my file. I also want old addresses removed from my file. Especially the ones that are not mine. On XXXX. My consumer report number is XXXX. My case number is XXXX. The 2 XXXX XXXX are mixed up in this situation. I don't know if it's due to clerk error or identity theft. But this information unverifiable and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: OH

Complaint narrative:
ERC collections has not proved that I owe debt. Was never notified before sent was placed on credit. Never got opportunity to take care of debt. Never proved debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
When I went to XXXX, and pulled all three credit reports, Experian will not let you save your reports as a PDF onto your computer. Within 10 seconds of the report loading, I clicked the save button and it says the page has timed out for your protection. I asked my friend to pull her reports a few days later, and again, the other two agencies let you save your report, but Experian gave her the same message only seconds after the page loaded. I tried to report this to  XXXX, but they do not allow you to speak to a person. 

So in effect, Experian is violating the law by not allowing people access to a free report as guaranteed by law and pretending they are because they let you see it, but you can not actually save it. XXXX must be aware of this and facilitating Experian in their shenanigans.

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 2020-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
The interest rates are excessively high. Account went into default status and they did not want work out payment plan with me. I am paying back ten times the amount borrowed. Is there a cap for interest rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2020-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: CO

Complaint narrative:
on XX/XX/XXXX i called stinger and stinger about an account they purchased that was charged off wanted to settle with them. on my XXXX credit report it says i owe as of XXXX   XXXX XXXX they said i owed double. They were suppose to investigate it and let me know what they found, but today is XX/XX/XXXX and still havent heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX made a mobile deposit {$6900.00} of my government payroll check into checking account. I had access to funds on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX the bank put a hold on my deposit til XX/XX/XXXX without notice. All my bills I had scheduled to pay was returned. I was accrued fees from the bank and fees from my creditors. My creditors charged me late fees and notified the credit bureaus of late payments because my payments was returned by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
In XX/XX/XXXX, we sold our home located at XXXX XXXX XXXX XXXX XXXX, NC. We had utilities with XXXX XXXX and a balance was left on the account without my knowledge. On XX/XX/XXXX, a cashiers check from XXXX XXXX XXXX XXXX was sent certified mail to Helvey and Associates for {$420.00} ( the collection company collecting on behalf of XXXX XXXX ). The check was received on XX/XX/XXXX, at XXXX XXXX. 

On Saturday, XX/XX/XXXX I received a notification on my XXXX XXXX app that my credit score had dropped. When I checked I saw an item in collections that was added on XX/XX/XXXX, for XXXX XXXX under Online collections services in XXXX, NC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
I have over 21 NSF fees in my usaa checking account. Every fee was cause by deposits that showed up as cleared on my online account statement but the bank says they the items were returned door the the items not actually being cleared fully. I have nearly {$600.00} in NSF fees in a three day period. Also Usaa policy read that they will only charge up to 10 nsf fees per cycle, I have 21 in 3 days. I've talked to three representatives and each one refused to refund any of the fees and stated that even though the deposits made showed up on my online statements that they weren't actually clear, therefore that is why the payments were returned and fees were charged

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I purchased/financed my vehicle through ally on XX/XX/2020 ; my monthly payment amount was {$420.00} due on XX/XX/2020 due to coronavirus/covid19 closures. The vehicle had minor/major defects that I reported to the dealership and manufacturer since XX/XX/2020, the car broke down on XX/XX/2020 and has since been rendered over to the financer. 
My car payment due date was extended to XX/XX/2020 due to coronavirus/covid19 closures on XX/XX/2020. On XX/XX/2020 ally sent me a NOTICE OF REPORT OF NEGATIVE CREDIT INFORMATION that I received at my post office box on XX/XX/2020.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with capital one/Walmart on XXXX.i informed capital one/Walmart that I am disputing their claim.moreover I requested that capital one/Walmart supply me with copy of the contract with my authentic signature.capital one/Walmart never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one/Walmart failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I can not access my Experian account. One day when attempting to log in I was prompted that my username and/or password was incorrect.

I selected the forgot username option and was Sent my username to the email address that I used to create the account. I then attempted to reset my password with the username sent from experian and it is saying that the username is not attached to any account, yet it is the username I only know and that they emailed me.

I sent an email no response, I called and only automated answers that can not help My situation.

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 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Due to COVID-19 my family did not feel comfortable traveling to New   York, one of the epicenters of the pandemic. There were 4 passengers and 2 different flights purchased a one-way one from XXXX to NY, and another one from NY to XXXX. I made several attempts to cancel the flight before my departure date. In one occasion they responded by offering either a full refund or credit. I chose the refund option but my reservation was never cancelled. I kept contacting them via text message through XXXX, via email and by phone calls. I will attach all the proof and their responses. They contacted me via email and offered me a partial future credit ( {$280.00} ) for only 6 months. I disputed the charges since I opted for the refund option and because I never heard back from them for months. Their response to my dispute was that we were a no-show and that they were offering a 12 month credits for cancellations. So I actually did not get either one since the partial refund offered is now cancelled. I have been trying to reach a person who could help me I have called and sent messages, and I still have not received a response. Now the credit is not even an option anymore due to the dispute, but my bank also failed to send documentation on time and I was not able to get my money back through my bank. I was also advised to make a complaint to my financial institution due to their negligence while processing my claim. I am out {$760.00} due to XXXX  and my financial institution failure to deliver what was promised that is well documented, and doing their jobs. Bank of America is not able to provide me with the documentation where they said they informed me the answer to my dispute to XXXX  was time sensitive. I made a phone call to BOA after receiving their response letter via mail dated on XX/XX/2020 stating my claim was closed and not refunded due to the no-show. They attached XXXX  response documentation. I called upset to ask why they had never contacted me to request the documentation to support my claim, that I initially informed them I could provide when I submitted my claim. I was told I still could answer the claim decision and I specifically asked if there was a due date. They told me there was not a due date but I should had acted quickly, which I did. They are not saying I did not send the documentation on time and closed my case without refunding my money nor taking responsibility of their actions that has caused to lose my claim. I would like to see if by submitting this complaint someone could hear me and help me with this issue. If you need further information please feel free to call me. Thank you so much for your attention.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I filed a dispute with Chase on XXXX.i informed Chase that I am disputing their claim.moreover I requested that Chase supply me with copy of the contract with my authentic signature.Chase never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Chase failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
My personal information was breached in 2015 and has resulted in it being posted on the XXXX XXXX XXXX XXXX List. Several credit cards were taken out in my name with XXXX XXXX XXXX and XXXX XXXX XXXX. I have contacted the original and current debt owners ( Portfolio Recovery ), ( XXXX XXXX XXXX ) and reported it as fraud but they refuse to remove from my credit report and keep selling the debt to new creditors.

Company response to consumer: Closed with explanation