vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Captial One credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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:
In XX/XX/2020 at a XXXX XXXX XXXX XXXX my card was declined I had to leave groceries at checkout. I went to my Bank of America EDD Debt Card App only to discover that my bank account was emptied the total of {$980.00} was taken out at an ATM in XXXX California and I have never been there I immediately called the Bank of America EDD debit card number and filed and reported the theft okay and I have since then had to file four more complaints and I still keep getting the results of the bank telling me it was fraud on my account detective XXXX from the XXXX police department has recovered the video at the ATM from the bank in XXXX California and has on the video the suspect and using the ATM the police report is filed the detective has the video and has shared it with agencies here with all of this information I still have no results from the Bank of America EDD debit card people and I have four claims that say it was my fault they are absolutely doing nothing to help me it is criminal at this point they're negligence please help

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 2021-02-16 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: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
Greenlight XXXX is reporting a debt on my credit report that is no longer owed. I paid this debt off months ago and they are still reporting a balance on my credit. This is erroneous as I already paid the debt and it should not be reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi, I have contacted SPS servicing about my mortgage due to COVID displacement. They approved a forbearance. As time progressed and things still hadnt improved with COVID I contacted them to request they place the arrears at the end of my loan term. 
I was told they would get back to me because the large number of people in the identical circumstances. 
In the interim they asked that I submit my monthly bank statement and let them know if anything changed. 
To date XXXX havent heard back with an affirmative to help me. 
As soon as the moratorium was set to end-I received a statement from SPS with a demand for fill payment, a deed in lieu of foreclosure or telling me they will consider me for a refinance. 
I have contacted SPS multiple times and still havent been helped. 
I need help thats tangible and realistic as Ive been in this situation for almost a year. 
I can not make a balloon payment for the full amt without income ; I havent received my tax returns because State and a federal have essentially been closed, understaffed or incompetent in follow through. 
I need SPS to please place the arrears in the back of the loan term so I can realistically catch up with my entire life. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Cherrington Firm PLLC
State: SC

Complaint narrative:
Debt collector tried to scam my XXXX XXXX XXXX son. ( XXXX XXXX ) Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY Reported : XXXX XXXX, 2020 add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Company told me my account was being closed with no explanation. Every time I called customer service to ask why and how to receive my money back, they hung up. I have {$15000.00} in my accounts with them that has been illegally taken from me and I have no idea when or how to get it. This company is fraudulent!

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I contact my insurance all state insurance agent today XX/XX/21. everything shows clears. no outstanding 's services were obtain pay on XXXX then later services were cancelled on XXXX. A refund was provide to credit card ending XXXX please refer to letter attached and bank statement. 


This company is a scam and keep sending collection bills to address of family members. 
moreover have compromised my personal information. desist and stop immediately close this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit score has been the same with little variation since I opened this account ( called XXXX XXXX with Synchrony Bank to use at the vet and various doctor 's offices for health care services ). On XX/XX/2021 I paid the balance in full ( vs only the minimum payment due XXXX XXXX, 2021 ). On XX/XX/XXXX XXXX per my phone discussion with customer service tonight XX/XX/2021 ) they closed my account because of a change in my credit score. As previously mentioned, it has only varied by a few pts up and down for the past year. I didn't miss a payment with them ( or any agency I believe ), in fact I paid the account off early. I didn't receive the letter they claimed they sent. I found this out because I checked my online account today to make sure my payment was applied and I could have the full line of credit to use for a vet appointment tomorrow for my very ill cat only to find the account is closed for no reason. This is deceptive and discriminatory. Who closes an account that is NOT delinquent for being paid in full?!? Please look into this company 's practices. They are not operating in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Colonial Auto Finance using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2019 Capital One XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Pulled a hard inquiry on my credit report. I did not give authorization for this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX  XXXX  ( XXXX XXXX XXXX MD ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$210.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX XXXX in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have wrote several letters and jpmcb card company and bring to their attention that they were reporting this account in accurately and demanded them to remove this account from my credit report. Ive sent my repot showing it was not being reported accurately and it should be changed or deleted. Under the fair reporting act my rights were violated and they refuse to do anything. If you can see how they are being reported to the three credit agencies the late payments, the status and first reporting dates are all different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: Chime Financial Inc
State: CA

Complaint narrative:
It appears someone opened an account with Chime / XXXX XXXX  using my personal information. I had frozen all 3 of my credit reports and yet this still happened. I am reporting this account as fraudulent and do not want to have my credit score damaged as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Experian requesting their method of verification for a bankruptcy theyre reporting on my credit report. Experian refused to respond to my request instead they updated the bankruptcy in question as being verified. Again i asked how do they verified.. I spoke to numerous representatives and request that they respond to me by mail or tell me how did they verified the bankruptcy. Each representatives told me they would send me a letter in the mail. I have yet to receive a letter. On XX/XX/XXXX Experian received another ceritified letter requesting their method of verification.. On XX/XX/XXXX, I received an alert on my experian credit report that a dispute was completed. Again i did not dispute anything, i simply requested that they provide me their method of verification for a bankruptcy theyre reporting. On my credit report the dispute results said that they reinvestigated the bankruptcy and that its correct. Experian once again is not responding to my request. I request the furnisher of such bankruptcy. Who provided Experian with the bankruptcy record on my credit report. Please help me. I have rights as a consumer to know who provided Experian with the bankruptcy that theyre reporting. I requested in a certified letter which was delivered and Experian is failing to repond to my request. If Experian can't provide me with the information that I need, how to I know that accurate.

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 2021-02-17 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/2021, I submitted a dispute to XXXX  because they were showing my Wells Fargo Credit Card as a closed account. I never closed my Wells Fargo Credit Card and I asked them to change it to an open Status. This Wells Fargo Credit Card has a 14 year history and is accurately reflected on XXXX  and XXXX. I have never missed a payment and I have really good history with the Wells Fargo Credit Card. 

XXXX  did not change the status of my Wells Fargo Credit Card to open. They deleted the entire history. I no longer have my Wells Fargo Credit Card and the history on my credit report. This has negatively affected my credit because this card had a long history of on time payments. Without this history, my credit is not accurately reflected. 

On XX/XX/2021, I called XXXX about my credit history being deleted. XXXX  told me that there is nothing they can do and I have to ask Wells Fargo to send a report. I called Wells Fargo on the same day and they would not agree to send a report to XXXX. I simply want my credit report to be accurate. XXXX  caused the problem. They should fix it.

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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I DISPUTED ITEMS IN XX/XX/2021 AND I HAVE A LETTER STATED THEY DELETED THE INCORRECT ADDRESSES. UPON CHECKING ON MY REPORTS AGAIN THIS MONTH XXXX IT STILL SHOWS THE OLD ADDRESSES BEFORE. WHAT IS GOING ON. PLEASE REMOVE THESE ADDRESSES FROM MY ACCOUNT. IT DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
I had a debt for collection in the amount of XXXX from XXXX XXXX who was sold to Jefferson Capital Systems ( JCS ) and XXXX XXXX XXXX in which both companies sent me letters for debt collection, i paid the amount of XXXX to JCS on XX/XX/XXXX as a settlement and to also remove it from my credit profile. Although the account was paid, i talked to XXXX XXXX XXXX on XX/XX/XXXX still wants to collect the amount of XXXX to remove the account i had already paid to JCS. They told me JCS wasnt supposed to collect and that i still owe them the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Westlake Services, LLC
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Westlake Financial. The Account Opened is Westlake Financial Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hidden Oak Group, Inc.
State: NH

Complaint narrative:
I had a loan account with XXXX XXXX which was sold off by them to Grassy Sprain Group Inc, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX NH XXXX XXXX XXXX. This company authorized XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX to collect this debt on XX/XX/XXXX On XX/XX/XXXX I agreed to a settlement with XXXX and it off in full over the next 3 months. 

However it seems in XX/XX/XXXX, Grassy Sprain Group has again appointed XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX Harbors MN XXXX XXXX XXXX to collect this debt AGAIN. 

XXXX  is now calling me and sending me letter attempting to collect a debt that has already been settled in full 2 years ago. 

I believe Grassy Sprain Group and XXXX are groups with malintent that just try to harass people for debt that is already paid off and should be barred from doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
Since XXXX of XXXX I have been reaching out to Lakeview Loan servicing company, in hopes to obtain a loan modification. We filed bankruptcy in XXXX and my husband lost income from leaving his job and we are struggling on monthly payments. I called at least 5 times and sent emails to request contact. Nobody has EVER called me back. There were times I waited on hold for SIX HOURS! SIX! I need someone to help me with the loan modification paperwork and to figure out exactly how to fill it out. Then I received an escrow shortage notification where they said that my PMI increased. How does my PMI increase? That is locked in at the start of the loan and decreases over time. With that, a and a raise in property taxes, It caused my escrow to be short over a XXXX dollars.But when I calculate how much my Taxes and homeowners insurance cost, it is not at the number they are asking me to pay monthly. I called last week and asked them to rerun it and explain it to me and the women said someone would reach out to me in a couple days. It has been a week now. I absolutely CAN NOT stand this loan company. if I had ANY chance of my bankruptcy not holding me back I would refinance somewhere that doesn't take 6 hours to talk to some one. But for now I guess I will just stick it out. I hope that they are reprimanded and that something happens because I am struggling.

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