vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX   ( XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) LVNV FUNDING ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX   XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from equifax i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, XXXX  and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hey I noticed a bunch of hard inquires on my credit report that is an accurate i have send over 2 pictures of them so you guys can see. I got a total of 8 hard pulls 4 from XXXX  and 4 from XXXX i have sent the you the pictures below they are all inaccurate. I would like them all removed from both companies listed above, experian and any other credit reporting service. If you have any questions please call me. I did apply for any of these things or deal with these companies. I just want to fix up my credit so it is accurate thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I called comenity LLC to ask them for the 5th or 6th time not to charge my Bjs credit card for the membership fee and to shut the account down. 
My family hasnt been to Bjs in over a year even though I asked these companies not to charge me anymore were still being charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: VW Credit
State: CO

Complaint narrative:
I have a late payment on my account because i attempted to pay it online repeatedly and they kept kicking me off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever to the point that i think it was a false number. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me.They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureas but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
In XX/XX/2019 took out a title loan for {$3000.00} with XXXX. over the year I have paid {$2600.00}, however, XXXX is saying that I owe {$4500.00}. I feel that their practices are suspicious and unwarranted. 
I continue to make payments but my balance is not going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have tried twice to make online payment and 2 weeks later the amount is taken out when I have no money in account. Kohls credit calls every day back to back. I have answered and told them I am at work and to quit calling and they just call right back. I owe XXXX bucks. I tried to set up online payment plan due to covid but never got an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
The debt collection agency that represents GM Financial calls me 2-3 times a day. The agent speaks so quickly that I can not make out the details of her Agent ID # or telephone number in the voicemail. When I call the collection office, they tell me they have no record of my telephone number even though I receive 2-3 calls a day. 

I have never bought or leased an automobile with GM Financial. I have spoken with two agents at the collections office ; however, neither were able to tell me why I am receiving collection calls from GM Financial. I would like to remedy this situation to see if it is a fraudulent account, but I am receiving no assistance from the office contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: MO

Complaint narrative:
I have tried on numerous occassions to get Collection Bureau of America to remove the collection item that it has placed on my credit report with XXXX. I paid the balance in full in XXXX of 2019. They have since added the item as a collection account on my XXXX report and refuse to remove the item after they stated they would get it removed. In addition, I have written a total of 3 letters to the XXXX and have received no results as they are stating to me that this company has verified it as being valid. Please, pleasse, please help me get this removed as it has been and is still being detrimental to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020. I went to XXXX ATM. XXXX XXXX. XXXX. Time XXXX / XXXX. XXXX : XXXX XXXX, CA I selected to withdrawal {$730.00}. I choose the denomination bills. 7 $ XXXX, 1 {$20.00} and 1 $ 10.The ATM only gave me 8 $ XXXX and 1 {$10.00} bill. Equal to {$170.00} I was in disbelief. I proceed to try again and the ATM said I had reached my maximun withdrawal limit. I ran to the bank since ATM was outside the branch location. Bank was closed. So I called customer service. They transferred me to the claim department, After 3 hours waiting on the phone. The call disconnected. I called back the next day. finally, I filed a claim. I even went to the bank spoke to the manager and she told me that XXXX debit cards are handle different and to call the claim department. I called back few days later and they told me my claim was denied. I am so stress. I am missing {$560.00}. How can this be possible. ATM should have been over the next day when audited by the agency or the bank. The Claim department said ATM was fine. No one is helping me. I have waited hours on the phone with XXXX claiming department. They seem to care less. Please help me out. I have been unemployed for almost 7 months.

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 2020-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am completely up to date with my payments. My student loan payments with Nelnet are due every XXXX of every month. My current amount due every month is {$400.00}. 
My last payment in XXXX was on XX/XX/2020 and I paid a total of {$440.00} for the month of XXXX. 
On XX/XX/2020, I made an electronic payment of {$230.00}. My remaining balance should have been {$170.00}. Instead Nelnet is claiming that I owe them {$250.00}. 
They applied {$140.00} of what I paid to XXXX XXXX of my loan. The website acknowledges that I paid {$230.00} and it breaks out the payment as {$140.00} to XXXX XXXX and {$87.00} to XXXX XXXX. 
There is no explanation of how I owe {$250.00}. I called Nelnet and the customer service rep couldn't figure it out either. She tried to tell me that the {$87.00} was considered part of my XXXX payment. When I asked about a credit to my XXXX payment for {$87.00} she had no idea. She said it was because I've been making payments twice a month. XXXX  Something is off and wrong with their accounting system. Where is the {$87.00} I paid? Why isn't it accounted for in the system. There were no fees due and it wasn't credited to XXXX. 

Nelnet doesn't give credit for advance payments. That's a load of XXXX. There is something going on with this company that is not kosher. This company needs to be investigated and oversight needs to be done on this company. This company needs to be audited and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America - wrongful late fee payment : I scheduled auto payment to my credit card at least 20 days in advance of the due date XX/XX/XXXX of the correct and full amount. This scheduled payment is visible in my " transfer activity ''. The payment due date of this credit card is XX/XX/XXXX. 

I was charged a {$25.00} late payment fee on my card on XX/XX/XXXX. The auto-pay automatically starting pending on XX/XX/XXXX. I did not do anything on my end as it is clearly an error that the payment was made past the XX/XX/XXXX I scheduled by the system. 

I called customer service who was not able to see the transfer activity on their end when I have record on my online banking of this scheduled payment. Customer service said it could be a technical error or that I did not do it correctly. I have done this every month for the past six years and record on my account shows the scheduled correct day for the full amount. Bank of America has an error in their system and wrongfully taking money from accounts.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$800.00} was fraudulently taken out of my account on XX/XX/XXXX at a Bank of America ATM. I upon noticing immediately contacted Bank of America and reported it as fraud and opened a claim. I then set security measures on my account to prevent further fraudulent ATM withdrawals. I was debited the amount pending an investigation. On XX/XX/XXXX {$1000.00} was taken from a Bank of America ATM in XXXX when transactions on my account show that I was in XXXX at the same time. On XX/XX/XXXX {$1000.00} was taken out from a Bank of America ATM in XXXX. On XX/XX/XXXX {$1000.00} was taken out of a Bank of America ATM in XXXX XXXX and on XX/XX/XXXX {$1000.00} was taken out of my account from a Bank of America ATM. Upon realizing these fraudulent charges has occurred I contacted the bank again and opened up a second claim for {$4000.00}. They debited me the money pending an investigation. They although having access to all of the evidence they could need, ( ie cameras, bank statements, etc ) found my case to be " no fraud found. '' I immediately reopened the cases and was told that unless I was able to provide them more proof that the decision would not be changed even though they have not proven that I was negligent or that I committed the fraud. I decided to file a police report. After doing so Bank of America sent me two letters stating that they had reinvestigated my case and had found that my account had been tampered with and they found fraud and that I would be receiving the money back. 11 days after the letters I still had no access to my online banking account or anything. I called Bank of America and they informed me that although my case had been settled that it was once again overturned due to new policies and that I would need to fax in a copy of my police report if I wanted them to escalate and reopen my case again. In addition they had removed the credit of {$4800.00} which then put my account into the negative. During that time a couple of my unemployment deposit hit my account and they took that money out to cover the difference due to my account being in the negative. So they did not protect my money in the first place, have revictimized me all along with the way, I have been given completely contradicting information from every single representative I spoke with, and now they are stealing additional money to cover my account balance being in the negative.

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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020, I went to a Chase branch location and deposited a Cashier 's check in the amount of {$1600.00}. Per the XX/XX/2020 Chase Account and Fund Availability disclosures, these funds should have been available the following business day. As they were not, I contacted the branch and was told the funds were on a 15 day hold, but given no reason for this hold. I decided to wait a bit longer, and, a few days later, contacted them again for an update. My Relationship Manager said there must've been an error, but she would have to look into it when she returned from vacation. 

On XX/XX/2020, I noticed that the funds were still not available and, as checks cleared, my account was overdrawn and an NSF fee had been assessed. Further, I noticed that directly deposited Social Security check was also being held. At this point, on XX/XX/2020, I contacted Chase again and authorized them to speak with my daughter, a senior banking professional, regarding my account. Initially, I was told this was not allowed, but my daughter was able to convey the fact that I was providing third party authorization and was subsequently allowed to speak on my behalf. 

My daughter referenced Chase 's Funds Availability policy ( attached ) to multiple representatives and was repeatedly told, they were unsure of their own policies and that she needed to be transferred. After over 35 minutes on hold, an extremely rude representative in the Deposit Hold Dept., by the name of XXXX XXXX, came to the line and said she needed to research the issue. She then placed my daughter on an additional 20 minute hold. When she finally returned, she said she would remove the hold for the cashier 's check, but that is all she could do. When my daughter questioned why the hold was placed on a cashier 's check, XXXX said she didn't know but believed it was because they needed to research it to ensure it would be paid. Again, this instrument was a Cashiers Check, drawn from a local, Florida bank. When asked about the Social Security Direct Deposit, XXXX said she couldn't do anything about it and that it would be available, next day, despite the Funds Availability Policy stating it should be available same day, and despite my having received this payment, without issues, numerous times in the past. 

The call ended with XXXX XXXX being terribly rude and basically asking us if we wanted her to make the funds available or not, which of course, we did. She was determined to be unfriendly, unhelpful, inept and apparently, completely unaware of her role in the Deposit Hold Team. 
.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 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: CORELOGIC INC
State: GA

Complaint narrative:
The following credit agencies XXXX XXXX Credco a.k.a. CREDCO, XXXX XXXX, XXXX XXXX, XXXX   obtained my credit report on ten different occasions without my verbal or written consent and claimed they had " permissible purpose '' and that it outweighed my verbal or written consent. I never received a written request from anyone asking to pull my credit nor did I receive a letter or phone call informing me that they had pulled my credit and for what reason ( s ). To date I have no received any info or updates about my disputes/requests for info. My Credit was pulled on : CREDCO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX *All ten of these credit pulls were HARD INQUIRIES and have cost me several points on my overall XXXX and XXXX credit scores. These 3 companies violated all types of FCRA laws, rules and regulations as my credit files were frozen during the times these credit inquiries were made and acted on by the 2 bureaus and credit companies. My credit reports were frozen during the following dates for all 3 bureaus : XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2020-10-14 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: United PanAm Financial Corp.
State: UT

Complaint narrative:
Uacc # XXXX is reporting a debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.

Company response to consumer: Closed with non-monetary relief