vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/2020, I sent a debt validation letter via certified mail with return receipt to LVNV at XXXX XXXX  XXXX XXXX, SC XXXX requesting Debt validation. Tracking # XXXX shows it was received and signed for on XX/XX/XXXX, XXXX by XXXX. Debt validation is my federal right granted under the Fair Debt Collection Practices Act ( FDCPA ). Since I was NEVER contacted by the collection agency regarding any alleged debt, I reached out immediately after noticing the unfamiliar account on my credit report. 



It has now been well over the allowed 30 days and LVNV Funding has failed to provide any of the required documentation under FCRA to prove this alleged debt is mines however they continue to report the debt to the credit bureaus, which is a clear VIOLATION OF FCRA & my rights as a consumer are being violated by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I agreed to pay debt and provided them my card info XX/XX/XXXX. They called me back 4 times from 4 different numbers asking for my card information again each time. I then called then called XXXX who the account was for and paid them directly XX/XX/XXXX. I notified the collection agency to remove from my credit file and they said they havent been notified by XXXX. On XX/XX/XXXX I did a conference call with XXXX and the collection agency and they confirm payment and provided reference number for the payment. Then two weeks later I called again because it was still reflecting on my credit file. The collection agency said they needed to investigate. I sent an email with payment confirmation to XXXX XX/XX/XXXX its still on my credit file and XXXX removed it from collections when payment was made XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: CarMax, Inc.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. CARMAX XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I have been trying to obtain an intrest rate refinance on my VA mortgage loan, in the process a state tax lien was discovered that I was unaware of. I contacted attorney generals office who stated debt was owned by Reliant collection agency. I reached out to reliant each time I make a payment amount owed to remove lien is different. I have tried to no avail to get debt owed to remove tax lien in writing but I am sent to contact Attorney General who then sends me to Reliant and I am back on hamster wheel. 
My finances have been impacted by COVID-19 my household is down to one income and refinance would greatly help but I am at a loss on how to resolve. 
I need assistance to obtain in writing debt owed amount to release liens as well as validity of debt as it changes each time I reach out to Reliant Collection Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Card Case # XXXX On XX/XX/2020 I was deceived and fraudulent charges were posted to my account. These charges were placed on my Citi Card. There were 2 transactions for {$500.00} each for gift cards to XXXX. I was told that there were fraud charges on my XXXX account and that I could reverse these charges with gift cards. I purchased the gift cards, thinking I was talking to XXXX. Then I was told the cards could not be activated and I had to purchase more. I was scammed. I notified XXXX but unfortunately the cards were used within an hr. of purchase. 

I did not use these cards. Can they be tracked to where they were used? Citi is refusing to reverse this charge because I purchased the gift cards. All of my accounts were breached electronically. XXXX XXXX, resolved. XXXX credit card company in the process of fixing. XXXX checking account is in the process. XXXX transfer to XXXX account, this has been fixed. XXXX HELOC account {$3000.00} in fraudulent charges in process. 

My personal charges on my Citi card are paid. Only the {$1000.00} fraud remains. I don't know what to do, or if I can do anything. Please advise.

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received an email on XX/XX/XXXX that a dispute on Paypal had went in my favor after the dispute had gone on for more than 2 months and clearing up a debt that they had sent to collections because I refused to pay knowing that I was wrongfully disputed. In that email, Paypal charged a {$15.00} fee. I went to pay the fee ; however, they will not allow me to pay the fee with a bank account or credit card due to the account being limited from the dispute even though I was not in the wrong. Despite not being able to use their services, I have tried to contact customer support during business hours to at the very least get the fee paid and resolved to avoid such a small fee going to collections. Every time I try to contact their customer service team, I get the following message, " All our agents are currently offline. Please try again during business hours. '' It is currently XXXX XXXX EST and I have just received this same error message. I will attach a screenshot to verify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a new BMO Harris PremierTM Account in branch with using the following bonus promo code : BMOP-XXXX. I met all the terms effective XXXX, by receiving a cumulative total of more than {$7500.00} ( {$8100.00} to be exact ) in qualifying direct deposits by XX/XX/XXXX ( within 90 days of opening, per the terms ). The terms stated the bonus would be confirmed 90 days after account opening ( XX/XX/XXXX ), but as of XX/XX/XXXX, I had not received a bonus and contacted the bank. Ever since, I have been told it was in process in way or another, and as of XX/XX/XXXX, was told it was being escalated. I again contacted the bank for an update on XX/XX/XXXX and was told they had no updates. It's now been two months past the date by bonus was to be assessed, and I still have not been paid.

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 2021-02-11 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: AZ

Complaint narrative:
On XX/XX/2021, I received a text message from Experian informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called XXXX XXXX to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: PA

Complaint narrative:
I have a Pennsylvania pua relia card from us bank. It has been locked since XX/XX/2020. Ive called customers service about 18 times and they say they cant help me and there is nothing I can do to speed it along. Ive also sent ID and selfie to there ID web page about 8 times and the card is still locked. I now have almost 4000.00 on there and haven t been able to use any of it for 2 months. This is the only income I have because I cant work because of covid.

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 2021-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robin Hood said I owed money on my account because a couple of transfers didnt go through the way it shouldve. Within a day I transferred funds to my account so that way wasnt at a negative balance anymore. If you currently look at my account today at {$55.00}. Theyve restricted my account from any trading. Ive emailed them countless numbers of times and allThey seem to do is look past it except for one time. I finally got a hold of someone on XXXX and they told me why my account was restricted. I instantly sent them a message back saying that the funds were direct deposited to my account and the direct deposit went through because my account shows that I have money in it. They never responded back. And My account is still Restricted. Its been 3 days. They still have my money and wont respond to me. Unacceptable. They know how important it is to miss a day or not pay attention to your stocks. Ive been sitting and watching my stocks for the last three days make a good return but I couldnt get the return because these XXXX wouldnt let me make an order.Because theyre too lazy to hit a button to unrestricted account that already has money in it. You guys lost me a lot of money and I seriously hope I can get those stocks at the same price that I saw it for the last couple of days. To be quite honest I should file a lawsuit but you guys already have too much on your plate with that. Unacceptable company as soon as my account gets unrestricted Im selling all my stock and Im going to a different app. You guys are disgusting and horrible. I only use you because you have a nice interface but other than that youre complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
AMERICAN CREDIT ACCEPTANCE VIOLATED MY RIGHTS AS A CONSUMER. THE NON-DISCLOSURE AGREEMENT PLAYED DURING THE REPOSSESSION DEPT LINE DOES NOT INCLUDE FEES FOR THE AUCTION. EACH ACCOUNT HAS DIFFERENT FEES DUE TO HOW LONG THE VEHICLE HAS BEEN ON HOLD AT THE AUCTION. AFTER 1 MONTHS OF PHONE CALLS THE REPO FEES WAS MENTIONED BUT THE AUCTION FEES WAS NEVER MENTIONED. ACA INTENTIONALLY DOES NOT SPECIFY THAT IN HOPES YOU ARRIVE AT THE REPO PLACE WITHOUT THE FEE IN ORDER TO KEEP YOUR CAR. THE COMPANY REALLY WANTS TO KEEP AS MANY CARS AS POSSIBLE. THE SALE/AUCTION LETTER SENT OUT DOES NOT STATE A CHARGE PER DAY NOR FEE THAT WILL NEEDED INORDER TO RETRIEVE VEHICLE FROM AUCTION EITHER. ACA ALLOWED ME TO PAY ALL PAYMENTS ON MY ACCOUNT WITHOUT INFORMING ME THAT I WILL STILL HAVE AN OUTSTANDING FEE WITH THE AUCTION THEY HAVE PARTNERED WITH. AUCTION DOESNT BREAK DOWN WHAT THE FEES ARE FOR SO YOU JUST LOOK AT THE AMOUNT AND FEEL OBLIGATED TO PAY IT JUST TO GET BACK YOUR CAR. 

NOT ONLY WILL THIS MISSED INFORMATION SET ME BACK ANOTHER MONTH LATE ON MY CAR IT LEAVES ME TO FIND TRANSPORTATION TO THE FACILITY THEY USED AS THE AUCTION. THE FACILITY IS 3+ HOURS AWAY FROM WHERE THEY REPOSSED MY VEHICLE FROM. MY NEXT CAR PAYMENT IS ON XX/XX/XXXX AND IT IS NOW THE XX/XX/XXXX. LEAVING ME TO CHOOSE BETWEEN BEING LATE AND GETTING THE PAYMENT OR USING THE MONEY TO PAY THE FEE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: MD

Complaint narrative:
Too much to type it all out as this has been an ongoing issue over 8 months, but I've been trying to close a refinance with Contour Mortgage since XX/XX/XXXX. Just this week ( week of XX/XX/XXXX ) I was informed that a final decision has been made to not refinance my mortgage. I was not given an official reason and I supplied every piece of information that was requested of me in a very timely manner. I have not received a refund for the over {$2000.00} in appraisal fees that I was charged, and my credit was checked multiple times without my approval to do so. These inquiries will negatively affect my credit for the next 24 months. What is happening to me should be illegal. I fear it may be discrimination, as there is no other logical excuse or reason this is happening to me, when loans for other people have been getting closed since XXXX without issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I placed an order from XXXX for {$2600.00}, on XXXX XXXX. Waited about a week for my order, and my order never arrived despite tracking showing delivery. I contacted XXXX for any response or help in locating the order and they did not help at all, and told me to file police report. I filed the police report for the missing package from XXXX and submitted to XXXX. I have not heard from XXXX since. A few days passed and I decided to go through my bank, Chase, and disputed the credit card transaction with them. 

After I submitted the disputed with my credit card company -- Chase -- XXXX replied to my dispute and said it was delivered and Chase sided with XXXX. I still have not received my order or refund. 

I know I never received the order because I have a security camera in front of my house, and my security camera would have recorded the carrier delivering the order. There was no recording captured by my camera at the date and time the order was showing delivered by the carrier. Not only that, they stated that the package was signed for, however, the signature was not mine signature and whoever signed for it spelled my name wrong. 

Not only that, I also filed a police report as requested by XXXX and the representative from XXXX said once I submit the Police Report to them that they can help with refund, but that did not do anything as I have submitted the Police Report to them and I still have not received a refund or a reshipment of my order. I have also tried to submit the police report to Chase as further proof that I did not receive the order to back up my claim that I did not receive what I purchased from XXXX but Chase is refusing to even look at it or receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
CBSA 's response to my attempts to get information about a debt being reported to credit agencies. CBSA 's response to compliant # XXXX, was not sufficient. The response was : DUPLICATE COMPLAINTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DEBT VALIDATED XX/XX/XXXX WITH ITEMIZED STATEMENT SHOWING ALL PAYMENTS. 

CBSA has failed to provide answers to the following : 1. What is the total amount of said debt?

2. What payments have been applied to said debt? ( itemized invoice has changed after attempting to get answers ).

3. Why has the nature of the debt changed from services for appearances to cost of paperwork during dispute process?

4. Why is the itemized invoice provided to CFPB different than the invoice provided in XX/XX/XXXX? 
5. Why have the payments amounts changed and payment dates chaged? These do not match payments cleared through my bank?

6. Please provide a contract/agreement signed by me which validates this debt? 


Previous complaint numbers are as follows : XXXX XXXX XXXX It appears this debt has been altered on the invoice as a means to justify a debt not owed after attempts to understand how this debt is being invoiced. 

The invoice received by The Federal Trade Commission in XX/XX/XXXX, is not the same invoice I attempted to get answers to in XXXX XXXX. Again, XXXX XXXX has altered the invoice in an attempt to make it appear this debt is actually due by changing dates of payments, adding collections charges, as well as when payments were received which do not match my bank records and/or checks cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation