vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's GRAVE Duty to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

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 2021-07-16 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: NY

Complaint narrative:
please review the following accounts that appear on my credit report, they do not belong to me, and are hurting me. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: DISCOVER BANK
State: CA

Complaint narrative:
My dispute is in regards to a 30-day late status for my Discover card in XX/XX/2021. I was given incorrect payment information which resulted in the incorrect reporting. I already tried to dispute the issue with both Discover and XXXX  but Discover refuses to correct the error. My household income was reduced significantly due to the COVID-19 pandemic. As a result, I was referred to a covid-19 relief department which placed me on a payment relief payment plan. It appears that the main customer service department and the COVID-19 relief department were not on the same page with the payment agreement. I kept receiving calls about my Discover card being late but when I would contact the relief department, I would be informed that my payment was current. I have never been late with Discover and had I known there was an issue, I would have simply paid the amount needed to avoid the 30-day late status. When I spoke to Discover customer service, the reps had no regard for my situation and were not willing to retract the status despite hearing my situation. The relief department also gave me incorrect info in regards to being current. There was significant confusion between the departments and misinformation provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am XXXX XXXX and went on forbearance during Covid19. Mr. Cooper approved my forbearance and said I didn't need to worry about making my mortgage payments. I was on unemployment collecting {$2000.00} a month. Now that my forbearance is done, I called and applied for loan modification and was denied because they couldn't lower my payment, that's what they told me. I told them I am not looking for lowering my monthly payment, I am back to work and can pay higher amount, I have asked for deferment of the past due, I have asked for payment plan, and I have asked for loan modification. I have even offered to pay {$30000.00} towards the past due amount. and all of this was refused and I was told sell my house or they will foreclose.

I am currently behind {$75000.00} in mortgages payments. My last letter to Mr. Cooper asked if I can pay {$30000.00} towards the past due and if they can divide the rest into 12 months. or defer it. Today they told me that was denied as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have recieved 22 phone calls from Comenity Bank ( XXXX ) in the last 5 days. All from different numbers or from blocked numbers. I have asked them repeatedly to stop calling as I pay my bills online. This is a very big issue because this company does not respect work hours. I have informed them if they absolutely need to call me, that they can not call me before XXXX during the week. They have refused to listen and continue to call me during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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: OneMain Finance Corporation
State: NC

Complaint narrative:
A company called One Main is furnishing incorrect and incomplete information on an account on my credit reports. I have made several attempts to have these items corrected. I have sent letters containing print outs of how the accounts are showing on my XXXX, XXXX XXXX and XXXX  credit reports with marking to indicate what needed to be corrected. The company 's inability to fix these errors in their reporting is causing me financial harm. 

Under the Fair Credit Reporting Act ( FCRA ) I have the right to have a 100 % complete and accurate credit report. XXXX XXXX is violating my consumer rights. 

I am attaching my most recent correspondence. As prescribed in the FCRA, I initiated contact with One Main through the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was called about a XXXX money that I wanted to transfer esto my account. The number I called for XXXX was in XXXX so I dial it, they said that for me to get that money back I had to open a wireless transaction to them and see if they receive so they can send me money. So I went to XXXX on my bank they gave me the instruction and I did it, they always said transaction did not go through so they ask me to keep on trying. I did until I notice something was not right and called the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a complaint about this bureau. This bureau is incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by announcing inaccurate accounts on their site without my authorization. I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Called repeatedly asking them to stop calling me. Each time I was told calls will stop. Calls and messages persist multiple times a day, every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recieved a call from American express asking me if I had received calls or letters from them, gentleman informed me he would place my call on hold asked for agent I'd,, agent mentioned we are not allowed to hand out, I suspect fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The following information/ accounts are inaccurate and need to be removed from my credit report immediately. 

FCRA VIOLATION SEE BELOW / SEE ATTACHMENTS wrong names - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong addresses - please remove XXXX XXXX  XXXX, NM XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY XXXX XXXX  XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, NM XXXX SINGLE FAMILY wrong phone numbers - please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX wrong employer - please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove from my report RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit not mine, please remove RemoveXXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late, please fix RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account

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 2021-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I was trying to trade my XXXX at a XXXX dealership and I was told that as of XX/XX/2021 we can only br return to a XXXX dealership. They are not allowing anyone else except the lessee to make the payment. This is something new and is forcing consumers to be channeled only to the car manufacture dealership. Not allowing people to get out of there lease for another manufacture. This has to be ill eagle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX I initiated a funds transfer using Xoom ( XXXX ) pulling from my checking account on record with XXXX to a checking account ( XXXX  ) in XXXX XXXX for {$500.00}. The transaction was initially delayed then canceled without reason. The transaction number is XXXX. I called a XXXX XXXXep to get a reason for the cancelation and was asked lots of questions about my reasons for making the transfer ( making me feel a bit criminal ). I was then told that the case would need to go to " compliance '' for a security review. I am am frustrated that Xoom doesn't engage in due diligence up front ( i.e. collecting documentation such as Passport, ID etc. ) before allowing transactions to be completed in the portal. This process an others in recent weeks with XXXX have caused me to loose valuable time on " Chats '' with customer service trying to link checking accounts and responding to denials of transfers. Viewing complaints in the XXXX XXXX XXXX  I see scores of similar complaints about Xoom where transfers are summerily declined or held up for relatively small amounts ( attaching screenshots ). I am also seeing lots of complaints about Xoom where funds are delayed in reaching recipients oversees. 

These delays can make a big difference if exchange rates change once funds are finally released. 

There is a pervasive trend of lack of transparency with money transfer accounts with XXXX. 

Further, XXXX is not up front about changes to accounts ( rules around cash accounts ) to consumers wondering why an account that they've held since XXXX is suddenly getting all kinds of scrutiny ( balance less than {$300.00} ) as if it's a money laundering opperation. 

I've attached an example of another customer experience similar to mine using Xoom. 

Small funds from a USA perspective are desperately needed by folks around the world especially in areas suffering from COVID like XXXX and XXXX XXXX. These remittances are life-saving in some cases. Having funds delayed is both shoddy business but it's not just. 

XXXX corporations will likely be the subject of increasing complaints unless regulation is placed top keep them from holding consumer funds unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
XX/XX/21 XXXX : XXXX service charge - XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXX  ( Account XXXX ) Collection Agency - Wakefield & Associates ( W & A ) ( Account XXXX ) Have had major medical expenses over the past year and did not realize that a charge with XXXX XXXX XXXX  was unpaid until the following events : XX/XX/21 - Received alert via XXXX Credit Monitoring Service that W & A had flagged my account for collections on XX/XX/21. Credit score drops XXXX points. 

XX/XX/21 - I checked my balance with XXXX and see that I have a {$0.00} balance ( see attachment showing image of balance ) so I thought it was paid. I immediately submit an Experian dispute ( # XXXX ) on XX/XX/21 with statement and attachment showing XXXX balance with CEP/Vituity. 

XX/XX/21 - Response to dispute was received the same day w/ no mention or explanation of what happened. I was on vacation and by the time I saw the dispute was responded to, it was XX/XX/21. 

XX/XX/21 After not seeing any statement in response to my dispute, I immediately call W & A directly. They confirm it was for a service charge of {$460.00} that was never paid. After confirming this was true via my bank records, I pay via telephone to W & A ( requested that added service/interest charges be waived which W & A employee granted ). Attached picture of Discover card transaction history proves the charge was processed on that phone call XX/XX/21. 

XX/XX/21 Receive alert via XXXX  Credit Monitoring Service that W & A has again flagged my account for collections on XXXX. 

XX/XX/21 I submit a second dispute ( # XXXX ) via XXXX  explaining that I paid balance on XXXX. 

XX/XX/21 Response received via XXXX shows that balance still had not been paid as of XX/XX/21. No statement in response to my dispute was included. 

XX/XX/21 Credit Score drops by an additional 19 points. 

Both Experian dispute reports are attached. As well as proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was the victim of Identity Theft I have a valid ID theft report from the FTC # XXXX The original lender discharged debt in XXXX  and now this collection agency is calling constantly and reporting a debt that originates as fraud and is severely harming my credit. I have notified them in writing more than twice now and they remove the debt and randomly start re-reporting which should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with XXXX, Equifax, and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021, I filed a disputes with Experian, XXXX  and XXXX in regards to my credit report. It has been well over 30 days and I have not received any investigation results. On XX/XX/2021, I also sent all three credit bureaus 30 day demand to comply letters and I still have not received any investigations results.

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 2021-07-16 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: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX.. On XX/XX/2021, I tried to withdraw {$300.00} cash from my XXXX checking account using a Bank of America ATM . I did not receive any money. I went home and reviewed my checking account balance and {$300.00} ( including a {$3.00} transaction fee ) was deducted for the disputed transaction. I immediately called my bank to dispute the transaction. 

XXXX responded the same day and said they were investigating the transaction and would provisionally credit me the disputed amount, which they did. 

On XX/XX/2021, XXXX informed me that their investigation found no error in the transaction. I called them that day and asked for a copy of the documentation they used to make their decision. 

XXXX sent me the documents on XX/XX/2021, which included a transaction report from BoA showing that the transaction was successful. 

I immediately called XXXX and asked for a copy of the video of my transaction as this would conclusively prove or disprove my claim. I was told that a dispute specialist would call me and I received that call today. The XXXX representative told me that unless there was an obvious problem with the transaction, he could not help me further and suggested that I contact BoA. 

I called BoA right away and was told that they would not help me since I am not a BoA account holder. After further discussion, I asked for a copy of the video of my transaction. She said that I needed a subpoena or my bank would have to request a copy. 

So, in order to see the video evidence, I would have to spend a lot of money on an attorney and take time off from work to attend hearings. 

I am attaching all the documents I received from XXXX on the 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 monetary relief