vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: AZ

Complaint narrative:
I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: NY

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. 

The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute 537.012 governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. Needless to say I did not have {$100.00} because I only had what was left for me to pay the lender. 

Furthermore, my car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I opened a business bank account with Venmo ( a new feature ). The first issue I had was a glitch in their system that made it difficult for donors to search for our business by name. We were told to leave off the " @ '' or not use the capital letters in the name. It was resolved, but not without loss of revenue. 

They were also very unclear when we set up the account about the 2 % charge we would incur from deposits after the 30-day trial, so for every donor who sent in {$100.00} late in our fundraising, we lost {$2.00} in fees. 

My most recent, more serious problem, is that I'm not able to pay vendors through my account due to what they're calling a " security breach. '' There was no notification of a possible risk, just a message when I attempted to pay that Venmo had lost contact with my bank and I could resolve it by logging into my bank. I followed those instructions, but it did not resolve the issue. It simply looped back into the same message. I contacted customer service to see why it wasn't working, and was informed via chat about the potential security issue which they were not able to override. The agent was not able to tell me anything about the issue, why it cut off my funds, or how I could fix it. I had to ask three times for a supervisor to help, at which time she said she'd escalate the issue and I'd hear back in an email. The issue has been ongoing for at least five days ( the night of our event I was unable to pay vendors ), and there does not appear to be a resolution. I have been inconvenienced and embarrassed by a financial institution that I placed my trust in to operate my business, and evidently they are not capable of resolving it. I will be closing my business bank account as soon as my funds have been transferred to my bank, and I do not recommend opening up a business account with Venmo unless and until they work out their very egregious kinks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Ive been trying to get help for the last few weeks but have been unsuccessful. The website doesn't let me sign up or the phone calls have been nonproductive. Signed up for payments with Acima and they took a payment of {$32.00} and it was successful, however, the problem came when my bank sent me a new credit card with a new number. So, I called the company to update my new number so that my payment would be on time and uninterrupted and acima told me that my last 4 digits of my social security number that I gave them didn't match the one they had on file which was a shock to me. So I asked them could I just give them my new credit card number so I could pay it off and they told me no, I have to send them my social security card and drivers license over the email for them to verify my identity or I could not pay my balance and I would incur late fees. I don't want my credit to go bad as I have perfect credit. Im worried to send my personal info to them over email because it's not encrypted or secure. I told them I felt uncomfortable about that and they said that's the only way. I want to pay my bill off but they wont allow me to do that. I am stressed and over all of this. I want a resolution that does not involve me sending my personal info via email but they offered none other than that, XXXX couldn't help me either as they said they paid them off. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BMO Harris Bank promises 24 hour phone customer representation. They are committing false advertising. Due to Covid their excuse is Covid that they only have anyone available on the phone 12 hours a day. Theres no reason they couldnt just have people work from home. Cove it is just an excuse to cheap out on human staff

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 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. A few years back i lost my wallet at a party in XXXX. Back in XXXX, I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report to support my claim. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my credit

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 2021-05-26 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: AL

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
I've spent so much cash getting my car repaired for the past two months just to find out its a recall on my engine. I ended up losing my job due to this! They are still asking if I can make payments! 
How? I can't even afford a rental because I don't have the {$200.00} deposit! If it didn't require that, I would have been able to afford it! 
I got kids! This is non sense. My car suppose to be fix by next wednesday. XXXX CONFIRMED IT WAS MY ENGINEEEEE! NOT MY FAULT!! 

but i'm so far behind on my car payment its ridiculous! 
It's not even my fault! All the money I spent on my car could have been used towards my car payment now i'm without a job. I certainly don't deserve a repo! The lady who sold me the car told me this was a great car, practically new. I get it! I had it for a year and the engine gone. The company should have known about the recalls because it was back in XXXX. They should have had XXXX inspect before selling!! I was on the highway when it happened. I could have lost control of my vehicle. There's already been a lawsuit in the past. I hate to even take it that far but they need to know what they are selling! My family is affected! I'm the sole provider of XXXX toddlers! A XXXX XXXX XXXX and a XXXX XXXX XXXX who go to daycare! I lost everything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has been harassing me with offers for a high interest loan product, Citi XXXX Loan. Over the past 6 months, I have contacted them 4 times asking them to CEASE sending me offers via, mail, email, and app. On the 3rd request, I let them know I would be contacting all relevant agencies if I received one more letter. I am contacting you for your assistance in having Citi cease sending me Citi Flex Loan offers, as they will not do so on their own volition. 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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
Calls from 'CBE Group XXXX looking for my ex-husband. I divorced this man over 20 years ago and recently have received calls from 'CBE Group ' looking for him. I have no relationship with him and am not interested in this. phone numbers used today are XXXX XXXX twice XXXX, XXXX, XXXX. This is harassment of an innocent party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On Wednesday, XX/XX/2021, I received a call from an unknown number at XXXX XXXX PST. I did not answer, but I received the following voicemail message : " Hi this call is regarding a summons being served in XXXX XXXX County to ( states my name and then age ). You will be served at ( my address ) or at my job. This is a process server scheduled from out of XXXX XXXX County courts to locate you at your home or place of business. If you still work for ( company name ) you can expect a legal documents served to you at your work by a process server for court. If you have any questions call the filing part attorneys right away at ( phone number ). I work for XXXX XXXX and my name is Mr. XXXX XXXX XXXX. I could give you more information but you have to call me with your summons ID number ( gives the number ) to get the information. Thank you and good luck in court. '' I then received the same message at my house phone number right afterwards, as well, as my brother in law and sister in law in other states. Several family members have been contacted by this same person and phone number. 

When I looked up the phone number, it leads me to National Credit Adjusters. 

I received in the mail a bill from a different company, XXXX XXXX XXXX with a National Credit Adjusters , LLC listed as the current creditor. I have since paid this bill. 

I am not aware of any other debt with National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: FL

Complaint narrative:
Wells Fargo Crdit Card services is reporting my account as delinquent, 90 days late. I called to have this account closed In XX/XX/2019 and the account was not closed correctly by their customer service representative. There were TWO cases opened with their executive complaint department and the issues was not resolved. They pulled the call for quality assurance and stated the representative did fail to close the account at the date I requested it. Per my rights as a consumer under the FCRA, WELLS Fargo has the obligation under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that is believed to be Inaccurate. there is " reasonable cause to believe '' that information is inaccurate based on the investigation that was conducted and the call that was pulled, it has lead a reasonable person to doubt the accuracy of the information.

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 2021-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I sold furniture to a buyer. I found a shipper who asked me to pay for the shipping via Cash App on XX/XX/2021 and then they would reimburse me once the buyer pays for shipping. The buyer paid for shipping that same day. The shipper never picked up the shipment. Buyer and I contacted shipper several times requesting fulfillment of service or refund. Shipper is not responding. I contacted Cash App since their website states that you can dispute a payment. I called and emailed several times with Cash ap. They keep telling me that they can not help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
Trying to collect a debt I thought I had already paid and now they are filing a case against me

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 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance is reporting on my account but have not validated the debt nor verified the debt belongs to me, Nor have they given proof nor shown proof of the original contract being signed with my signature, they are misleading and false Misrepresentation and Reporting inaccuracies on my credit report and harassing me with calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
As the consumer, I was not given an explanation of how I can exercise that nondisclosure option for the following account : Department of Veterans Affairs Account Number : XXXX I contacted Transunion XXXX XX/XX/2021 to inform them that an account on my credit report is violating my rights under 15 U.S. Code 6802. 

Today is now XX/XX/2021 and they have yet to suppress the account from my credit 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 2021-05-26 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Herbert P. Sears Co., Inc.
State: MD

Complaint narrative:
I have requested validation from this collection company since XXXX of 2020, XXXX and XXXX to no avail. I sent off multiple validation requests certified and have been ignored though they have received numerous letters. They continuously report this invalidated debt to the credit bureaus AND they continue to increase the balance without telling me anything. What I have requested is well within my FCRA rights and they have ignored my request yet continues to report which is against my FCRA rights. I just want this resolved.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
On XX/XX/XXXX I mailed my complaint to Bank of oklahoma in reference to a checking account opened under my name without my knowledge or consent. I've been incarcerated since XX/XX/XXXX and that I am a victim of identity theft. Do date this Bank has failed to properly investigate my claim. And this account is still showing on my check system report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX I was notified that my loan was being purchased by Sun Trust Bank and would be given a XXXX  day grace period for payments starting XX/XX/XXXX My payment to my previous mortgage service company was rejected on XX/XX/XXXX. I called Sun Trust Bank and was told I was not yet in the system and they were unable to take a payment due to a recent acquisition. The representative told me to make both XXXX and XXXX payments on the XXXX of XXXX. However received a delinquency letter and a call threatening to ruin my credit on XX/XX/XXXX from Sun Trust if they did not receive immediate payment.

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 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have requested a payment history in 12 emails and 20 telephone calls over the last 2 months. They have yet to send me my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I need help. Original amount was less than a XXXX. I don't remember buying anything with them. 

SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXX Responsibility : Individual Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$670.00} Date Updated:XX/XX/XXXX Original Amount : {$89.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed :XX/XX/XXXX

Company response to consumer: Closed with explanation