vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX and XXXX XXXX on behalf of LVNV/Resurgent Capital ( Sherman Acquisitions ) has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and XXXX and XXXX dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fraud was commuted on my bank account with capital one XXXX was charged within 72 hrs and the bank denied my claim of fraud even though the merchandise wasnt mailed or ordered by me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
My card was charged {$130.00} which I didnt make any purchase or withdraw Ive already contacted my bank for a new card and a dispute to help fix the transaction that was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AR

Complaint narrative:
XX/XX/XXXX - began sending secure messages through my account portal on Mohela 's website asking for the status of my application for the limited XXXX waiver. 

XX/XX/XXXX- sent another message same as above. 

XXXX/XXXX/XXXX - sent another message same as above __ STILL HAVE RECEIVED NO RESPONSE___ XX/XX/XXXX - tried calling Mohela customer service more than XXXX over a XXXX hour period. Spent XXXX hours on hold at XXXX point. Nothing. 

No response from company. Can not find out if my application is with them or if I will miss out on the limited PSLF waiver which is due by XX/XX/XXXX. This company is absolutely ignoring customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
PennyMac took a flood insurance policy out on my behalf without my consent for additional coverage. I live in a XXXX XXXX and the XXXX  purchases our flood insurance for the full amount every year. Our master policy states full coverage and is the MAX AMOUNT that can cover my home. PennyMac has this current policy. 

PennyMac has refused to fix this issue regardless of my numerous calls and emails over the past few months. Every time I call, they say that they see my previous calls but that there is nothing that they can do at the call service level and tell me that all upper management is unable to speak to me at that time. They have told me XXXX times that a manager would call me back the same day and that has never occurred. 

My XXXX 's insurance broker was on the phone with me the last time I called ( XX/XX/XXXX ) to explain how this policy is illegal and they assured both of us that we would receive a call back that day as the managers phone was " not working '' and we have yet to get a call back. 

PennyMac has fraudulently taken money from my Escrow account to pay for this insurance that is 1 ) unnecessary, 2 ) one that I did not agree to and 3 ) is a policy that I can not recover from as my XXXX insurance policy covers everything to 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, Ive been with Bank of America for about XXXX years since I opened a debit and a credit card and all those years Ive never had any issues or anything unpaid Ive always payed on full every month and Ive never had any troubles, today I tried to use my credit card ( that I havent used in person for about XXXX months because I usually use my credit card for online subscription/ and online payments and I use my debit for anything else ) and It said it was declined, I called my bank and asked them what happened and they said they have closed my account because I forgot to pay a couple months ago and its been accumulating ( something that I didnt realized ) because I payed my minimum amount last month and this month too ) and I thought I was paying a normal monthly payment but Ive been XXXX while my card its been closed ( it was a total of around XXXX dollars ) I tried to ask them if they could reopen it and this wont happen again because It was just a misunderstanding I never meant to not pay but they say their policy doesnt allow them to reopen a credit card and that they were very sorry this happened to me, I checked my credit score which was XXXX last time I checked and when I check today it dropped to XXXX over the period of a month I understand this happened because of the closure of my credit card but I dont think its fair that my credit goes down so bad for something I wasnt aware of ( I never got an email with anything saying that I didnt pay for that month of anything saying that my account was going to be closed and I wasnt aware for XXXX months that they just closed it and didnt even gave notice or anything, if I could get help on what to do and what my steps are to fix this credit score that would be awesome, the only reason why I opened a credit card was because I moved out of my parents and they told me thatll help me get approved for apartments, my lease ends in less than a month and I wont get any application approved because of my credit, thank you so much.

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 2022-10-14 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX is reporting a bankruptcy on my credit report, stating that LexisNexis Consumer Center was verified by your company with the United States Bankruptcy Court, But the United States Bankruptcy states in this Letter Notice Regarding Credit Reporting, and this is a clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by Capital XXXX. Capital XXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.

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 2022-10-14 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: EQUIFAX, INC.
State: AR

Complaint narrative:
complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX  XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was XXXX. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
complaint against XXXX XXXX XXXX I purchased a Vehicle from a dealership that they financed roughly XXXX of XXXX. Not Relevant but, I put XXXX down and payments where at XXXX per month. i filed bankruptcy in XX/XX/XXXX. As it was my only vehicle at the time i was able to keep the truck by Making a re-affirmation Payment of roughly {$2500.00}, again number isn't relevant. The transmission, started to fail in XX/XX/XXXX so i traded it in on another vehicle financed by XXXX XXXX. XXXX XXXXXXXX paid the remainder of the loan to XXXX XXXX financial in the amount of {$6500.00}. 
the dealership offered {$4500.00} for the truck leaving {$2000.00} to be added onto my new loan. 

This took place after the Re-Affirmation of the debt to XXXX XXXX as well as after my Bankruptcy was Discharged. 

XXXX XXXX however reports the Loan as included in the Bankruptcy, it should be reported as PAID IN FULL. in turn was supposed to start my credit build. Instead being reported the way it is, not only has it affected my credit and my buying power causing me to have to pay higher interest rates but it also is fraudulent. 

By reporting it as included in the Bankruptcy, this would mean the {$2500.00} for re-affirming the debt paid out of pocket, the {$2000.00} payed for the remainder of the loan to XXXX XXXX as well as the {$4500.00} given to by the dealership to me for purchasing during the trade in should have been returned to me. instead XXXX XXXX has take this money as well as the Government insured pay out for the bankruptcy and gave me the short end of the stick by not reporting it correctly. 

not only is it reported incorrectly but it also is reported separately from the Bankruptcy giving me to negative hits for the same thing that is incorrect to begin with i have disputed it multiple times through all the credit bureaus as well as XXXX XXXX them selves and they fail to comply or offer explanation.

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 2022-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: AR

Complaint narrative:
i took out a personal loan from XXXX XXXX, a loan company for military, in the amount of XXXX. The loan was then sold to or was said to be serviced by SST/Pioneer. First the loan term was supposed to 30 months but they changed it to XXXX and told me i misunderstood. in any case my payments where XXXX set up on auto draft for the XXXX of the month every month. it came out every month and the few times it didn't they blew my phone up until i corrected the issue. usually he next day. At the end of the loan of which the repayment amount was {$11000.00} dollars that i paid. they decided to dream up all of a sudden a missed month that turned into late fees and stuff equalling $ XXXX. i argued and argued this to them and asked they produce proof and they did not. 

Then after paying XXXX dollars for XXXX they decided to report it as charged off BAD DEBT. Again i argued and demanded proof with no help. I then disputed through the credit Bureaus that apparently don't actually look at the disputes as it must be automated, because the very paper work SST sent them proves my case. As well as shows how un organized they are as there is " missing '' data all over it. Turns out i was even double charged something like 10 months of the repayments. 

They say they have agreed to delete it from my profile but that isn't what i want as i am trying to build my credit and if i wanted it to be bad debt i wouldn't have given them {$11000.00}. 

regardless it is just another scsm as it is no deleted plus they put another collections account on the same false debt using a different company name. its called XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this 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 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a complaint against Bank of America. I had set up automatic payments on this account, and I had only XXXX large payment of about {$7500.00} from XXXX credit card that was processed in error, and I had called Bank of America to block the payment since XXXX credit card representative told me they will make XXXX attempts for the payment, but bank of America refused to block the payment. I had made sure I had funds in the account sufficient to cover EVERY OTHER payment except the only large payment I had called and reported. To my dismay and shock, Bank of America used this large payment to block all other payments and bills I had set up to pay resulting is an avalanche of retuned payment fees from Utility bills to credit card payments and other loans that I had made funds available for. To make matters even worse, Bank of America sized over {$4000.00} dollars of my fund in the account for these payments and refused to release my fund for a bank to bank transfer I was making to pay my bills from another bank, without even considering the impact this will have on me, and that I will be paying retuned fee charges of {$290.00} and defaulting in payments that may affect my credit worthiness when I have my money hijacked by Bank of America. This is my worst experience ever with any bank. With other banks, when there are multiple withdrawals going above the available fund, other banks allow the smaller payments to go through first and the larger payments later, but Bank of America did the very opposite and has caused me so much pain and frustration. This no doubt is the dumbest bank in the whole of America, what a shame less banking system.

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 2022-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
RMP LLC illegal reported on my credit report. They've violated me in so many ways and now they're hiding behind their fraudulent ways by not responding. Silence is an admission of guilt. They have yet to respond. I advice them to seek legal counsel if this matter continues and they don't pay invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, my name is XXXX XXXX. I have been in contact with Fifth Third bank about a dispute case because I noticed fraudulent charges on my card dating back to XXXX. I did not make these charges and they have no actual evidence that I did. They keep denying my case and Im not sure why. Every time they deny it I tried re-opening it and they take up to 30 days each time. So at this point it has been months and Im fed up. Im not sure what to do to get my money back and theyre not helping me at all. My case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this 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