vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
CarringtonMS is attempting to sabotage my Credit report with each Repository, XXXX, XXXX and XXXX by Not XXXX Reporting that theyve gotten my {$77000.00} that was electronically sent to those XXXX  at CarringtonMS on XX/XX/2020 by the law firm of XXXX XXXX XXXX XXXX for the XXXX pay-off my Home loan, Loan number XXXX as a XXXX man! The President of CarringtonMS, CarringtonMS General Counsel and CarringtonMS Compliance has conspired to Report my home loan as still owed, a White Supremacy act against XXXX homeowners in this country, but what they dont understand is I walked away with {$85000.00}, I Fight Back!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
I spoke with a customer service rep for Freedom Mortgage at end of XXXX to see options for assistance for my XXXX payment. Rep assured me they would take principal overpayment of previous payments apply it back to my loan and the payment was taken care of. I received notice on XX/XX/XXXX that I was delinquent. I Called and tried to figure out what happened. My credit dropped from a XXXX to a XXXX I was upset. They told me that they could see in the notes the conversation I had with their rep but she was incorrect and I it was my responsibility to pay ontime. Ive contacted them 3 times and they will not take any responsibility or fix the delinquency report. I have a 100 % ontime payment history. I cant even refinance at this point and get a decent rate with a different mortgage company because of my credit score. I have to stick with them even though I am extremely dissatisfied with the company and the way they handled the situation. I feel like I was misled and offered false information by a representative of them.

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: WA

Complaint narrative:
On XX/XX/2018 I filed a claim against XXXX for fraudulent practices on their websites. I have filled my dispute and it was processed legally through my bank. Now two years down the line I receive a message from cedars buisness services claiming I owe XXXX money when I do not. They are both intimidating me even though my bank has already filled the dispute two years ago. They claim I owe over {$200.00} when I do not owe any outstanding fees over {$200.00} I have no idea where they came from randomly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
Capital Accounts has placed this on my credit report and it has nothing to do with me. 
It states date assigned XX/XX/2019 on XXXX its XXXX on XXXX XXXX its XXXX and XXXX its XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
someone stole my identity and opened and account with XXXX. I currently have XXXX  and I do not owe them that amount. It says date assigned XX/XX/2015

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Ive corrected and disputed this and o9ther medical coll4ections already i had medical at the time so it was covered.i dont know why its still on my report

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises
State: IN

Complaint narrative:
I really don't know where to begin. I was discharged from the XXXX XXXX which is called XXXX XXXX XXXX XXXX I believe of XX/XX/2018. Because of XXXX XXXX I was there needing their services if I am unable to take care of myself. I decided to come home and get home health services to take care of me. Through XXXX XXXX I am able to receive these services. I am on social security XXXX. To make a long story short I have never received any theme from the XXXX XXXX saying that I owe them money or from the collection agency! I just happened to find out through my email that I have a creditor. that is the only notification that I have received and I just got that within the past 60 days. I would like to have this removed I do not owe any money. I don't know what else to say. I did try contacting the XXXX XXXX  and speaking with the director whose name was XXXX. And she was no longer there and has gone to a different facility. The company was changing ownership and bringing in a lot of new staff. And there is a high turnover rate there. With all of that confusion something like this could have happened. That is the only reason I can think of something like this happening!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Kohls Credit Card serviced by Capital One. 

We have literally contacted kohls 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet kohls has failed to reflect that payment on the account. We have emailed Kohls over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call Capital One the hold time is HOURS. 

Today kohls just reported the account as PAST DUE after we again contacted KOHLS asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NowackHoward LLC
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX whose XXXX has come to a stop due to COVID-19. 

Many of us XXXX XXXX XXXX are facing financial stress, XXXX and some may consider suicide during these unprecedented times. What happened to my XXXX of 20 years due to COVID-19 is not my fault. 
NOW Im dealt another blow from attorneys seeking to generate fees in the collection of a debt that I no longer owe. 

While my mortgage payment and other bills are due. Even my lender is working with me due to COVID-19. But not these debt collection attorney firms. 

On XX/XX/XXXX I accepted a settlement offer that the case would be dismissed for no fees, fines in return I would make changes to landscaping. I have the settlement in writing. 

The debt collection attorneys at that time were XXXX XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Georgia XXXX. XXXX. 

Nowack Howard XXXX XXXX XXXX attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX The week of XXXX I was notified that another law firm Nowack Howard was added to the lawsuit. Now there are Two attorneys firms and Four lawyers trying to collect a debt that was already settled. 

The week before XXXX I received notice from the courts that a case that had been settled was now scheduled to go to trial on XX/XX/XXXX. 

I was blind sighted. From XX/XX/XXXX until XX/XX/XXXX. No activity happened on the lawsuit. I assumed it would be dismissed as agreed. 

Now these attorneys firms operating with unfair practices and have no integrity. All for collecting attorneys fees have decided NOT to honor the settlement agreement in XX/XX/XXXX. 

I have provided written evidence and asked they stop the misuse of the courts time. The only thing they care about is the financial reward of having a new client. Theres no reasoning with the new attorneys as their goal is to aggressively rack of attorneys fees. 

They reopened this case during COVID-19 the week before XXXX which gives me little time to prepare. This was rushed through the courts with the hopes I would have little time to get ready and a default judgement would be found. 

These attorneys have Not acted honestly after I notified them that the matter was settled. They are not trying to avoid non essential litigation. But proceeding with this case as though I committed a crime. 

During COVID-19 these practices from attorneys acting as debt collection agencies should stop. When a written settlement is in place, they should consider honoring said settlement. 

But for financial reward they see before this case would have stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: OH

Complaint narrative:
XXXX Credit Card serviced by XXXX XXXX. 

We have literally contacted XXXX 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet XXXX has failed to reflect that payment on the account. We have emailed XXXX over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call XXXX XXXX the hold time is HOURS. 

Today XXXX just reported the account as PAST DUE after we again contacted XXXX asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!

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 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
At some point in the past I had an online account with Venmo ( https : //venmo.com/ ) which is a service of PayPal, Inc. , allowing its users to transfer money between themselves. 

On XX/XX/XXXX I received a email from Venmo advising me that : " THE STATE OF CALIFORNIA REQUIRES US TO NOTIFY YOU THAT YOUR UNCLAIMED PROPERTY MAY BE TRANSFERRED TO THE STATE IF YOU DO NOT CONTACT US. '' When I attempted to log into my account the same day I was denied access, despite having the correct username, recovery email address, and password. 
Repeated attempts to correct the situation with Venmo customer support have failed. 

Currently, Venmo is refusing to give me access to my account, nor will they propose a solution which would allow me to recover the funds in the account and close it. 
While Venmo has a responsibility to require its users to authenticate themselves, they have made it impossible in my case. 

Below is a summary of my correspondence with Venmo customer service. 

1. I opened and used an account with Venmo using my US phone number XXXX. 
2. At some point, Venmo changed their authentication procedure, implementing a 2-factor system which requires a US phone number. 
3. In XXXX I moved to XXXX, where I have resided for the last three years. I no longer have a US phone number. Additionally, the credit/debit card numbers I provided did not correspond to what they had on file. 
4. Venmo 's secondary authentication solution requires sending them a photo of the user 's valid state-issued identification. However, my California driver 's license has expired, so they will not accept it. ( Also, Venmo has a truly atrocious online reputation as far as security goes, so sending them a photo of my ID seems like running a significant risk of identity theft. ) 5. In their last message Venmo are offering to return the money in my account to the individuals who sent it to me. That is not a satisfactory solution, since I have no idea who those individuals are, nor how much money is in the account. It would amount to theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to XXXX resulting in a one point credit reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
During COVID-19 pandemic crisis, a moratorium was supposed to be placed on reporting to credit reporting agencies. I had a crisis at home and had to check into a hotel, naturally I used my XXXX XXXX. They immediately reported the purchase to Experian resulting in a one point credit reduction.

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 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I cashed in my check through a bank teller. I then left the building to use the atm outside to deposit my cash. I then received my receipt saying I deposited my money forgot my debit card left to my car remembered i forgot my debit card went to get it back but a man around XXXX realized that was my card and just gave it back and I left. I then checked my bank account and realized I was missing XXXX dollars. Im pretty sure he pressed the most used XXXX dollars withdrawal button before he backed out and gave me my debit card back. I talked to my bank about this right away filled the claim maybe an hour after on XX/XX/2020 waited 10 days for a response for them to tell me I authorized the transaction and I wont be receiving my money back. The ATMs should have cameras to realize that wasnt me and after I got the letter I called them to resolve this and for hours I was disputing this to finally reach someone for him to hang up on me. During this time of Covid-19 I am desperate for those XXXX dollars that Wells Fargo took away from me. They should be responsible for the safety of my money and should have better security measure to protect their customers from fraud events like these.

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 2020-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capitalone credit card # XXXX access denied via internet. Required a new password and verification ask for the phone in US that I do not have. Presently due to the corona virus I am in XXXX and the country That does not allow any travel. Anyway my presence in US would not Make not a difference since I am using phone of my daughter when in US.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-04-13 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: GA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
trying to take something off my credit report everything is paid off

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 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have tried time and time again and Bank of America refuses to refund the {$35.00} I was charged because of some XXXX XXXX that decided I need to be charged an NSF fee for an item that posted the same time a deposit of mine also posted. I also receive NO communication back from this company about one XXXX thing I complain about all I see are the responses saying they " have mailed a response. '' Give me a XXXX break. I have not seen one of these letters come in the mail as of yet. 

Also, because of these fools I have had {$100.00} stolen from me that was not returned after I at least gave the person that stole it the chance to return it, which she never did. The bank refuses to take any action on my part because my account # XXXX is closed and the sorry XXXX XXXX XXXX don't want to help me recover my money because they can no longer charge me monthly maintenance fees.

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 2020-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
This is a debt with a company I have no knowledge or contract with.

Company response to consumer: Closed with non-monetary relief