vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
Please see attached exhibits A also I called XXXX today at XXXXXXXX XXXX and spoke with XXXX to let them know that Im mailing in a mortgage payment. She stated to me that they have not came to a resolution and if I can be on a payment plan for 6 months and pay {$1500.00} dollars in mortgage payments for those 6 months which was ridiculous to me because Im not even 60 days late and my problem isnt making the payments my problem is the fraudulent activities that took place with this mortgage loan. Therefore they are still trying to get me to refinance or put me on a payment plan and I even been getting emails to refinance FHA mortgage loan, they are truly trying to cover up by misrepresenting false address to FHA connection to obtain insurance property claim and using incorrect mortgage note by changing the parcel ID number and using the mortgage note, FRAUD for Profit, on a loan modification agreement dated XX/XX/2014 which I had no knowledge about the loan modification agreement dated XX/XX/2014 on the back page of the Mortgage document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: NY

Complaint narrative:
i have notified Experian a few times that I am a victim of identity theft, and in return they keep sending me the same exact message, i have sent my FTC my social security card and identification numerous times also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: PA

Complaint narrative:
They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. 

Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizen One Mortgage & Franklin American Mortgage company continued to draw funds through autopay on a loan that had been closed a few days prior. I have no ability to change this autopay now that the loan is paid off. I have no way of knowing if they will withdraw again. The Mortgage company is completely unreachable. There is no way to speak directly to a person, they have a call back feature which never actually calls you back. I've had two separate call backs scheduled that never happened. 

The mortgage was closed on XX/XX/XXXX. 

The company took {$1000.00} from my account on XX/XX/XXXX. 

There is no record from the loan information on their website of this draft. 

I have been trying for 2 weeks to reach the company. I had a call back scheduled for XX/XX/XXXX and one for XX/XX/XXXX. Neither time did the company call me back. 

I'm at their mercy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
My ex husband and I got a loan in XXXX for a vehicle, I was the co signer. The loan was almost all paid off but before it was we divorced. In the divorce settlement it is written that my ex husband take all the marital debt and it be removed by the creditors and bureaus. I have been fighting this company since XXXX of XXXX. I have written letters to them, sent the court order that is signed and filed. Sent the same to all three credit bureaus. 
Just talked with XXXX from Credit acceptance, she stated in a recorded call that this company doesn't accept or honor divorce decrees. 
I don't even know what the balance was for. I am trying to get a home loan and keep being denied because of this BS. 
How can any company not HONOR A COURT ORDER????? Isn't that what we have courts for order? So in order to free myself of their racketeering scam I was forced to pay it off, so in due time ( on their schedule of course ) they will say its been satisfied, that is not good enough, this is not my responsibility to pay for it. I went through the right channels to get it removed from my responsibility when the divorce happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: IL

Complaint narrative:
I am federally protected consumer. AWA COLLECTIONS has violated my right to privacy, damaged my reputation and caused financial injury. AWA COLLECTIONS has received my affidavit of truth, my evidence, and my invoice for 15 USC 1692 violations. AWA COLLECTIONS has not responded with an affidavit to rebut therefore and unrebutted affidavit becomes truth. According to the remedy I stated as part of my affidavit, they were not only remove this alleged debt from my consumer report but also pay the invoice for the violations. I have submitted my notice of default and an opportunity to cure to AWA COLLECTIONS for the outstanding invoice because they have not responded properly to my affidavit. 

I am seeking payment by check for the invoice and an apology fro AWA COLLECTIONS. This is owed to me by 15 USC 1692, a code that all debt collectors are to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I called this company and they apologized for the inconvenience. A former resident named XXXX XXXX used my name for the lease of that property when really it was his own son XXXX XXXX that was living there. I never lived there. This is fraudulent information. I have also spoke with XXXX XXXX himself and he informed me that he notified the company of this error and has paid the debt. I had nothing to do with this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal is charging hidden fees for all international money transfers by using exchange rates that are not accurate. I have sent numerous international payments recently and because of translation issues with my contacts I did not discover what they were doing until recently. Most of my payments are only shown in USD so I'm not sure the amounts in local currency they are actually paying out. I recently had to send a recipient an additional {$250.00} because he would not ship my goods as he had not been paid in full due to Paypal skimming off the top. Below is a recent example, their fees end up being around 8 % which is not what they advertise. 

Payment sent XX/XX/20 Details Sent to XXX XXXX XXXX {$500.00} Fee XXXX XXXX {$19.00} Total XXXX XXXX {$510.00} So this looks pretty straightforward but the problem is that XXXX XXXX is only {$500.00} if you use Paypal 's false exchange rate. Using the actual exchange rate my recipient only gets about {$480.00} and they're angry they haven't gotten a full payment. 

Paypal own receipt shows my recipient will receive {$500.00} but they do not. Is this legal? 

I've now discovered that they have skimmed hundreds of dollars from my transactions recently. How can this be legal?? 

I also searched everywhere for a location on their website that shows the exchange rates they use. Their help section claims you can go to a section of your account and show it but it doesn't actually exist. I was only given the link after contacting their help department so the false exchange rates they're using aren't even publicly available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Good morning, We have an existing mortgage with M & T Bank. However, they have been negligent in following up about taxes and overpaid the taxes due to an error of their own. 

Our new home was built on a former plot and it had a specific plot number. However, on the same plot there are two new homes. M & T did not bother to check with the town and decided to overpay taxes by nearly {$15000.00} that increased our mortgage amount by $ XXXX/month because of an error on their part. 

The town has acknowledged that the bank overpaid. The bank has acknowledged that they have overpaid. However, the bank has not credited us the amount of the overpay. 

We would like an immediate relief in the following format : 1 ) full refund of overpayment 2 ) interest for the amount of overpayment 3 )  recalculation of mortgage payment Thanks, 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 2020-08-24 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: Synovus Bank
State: PA

Complaint narrative:
First Progress Card did not give me a provisional credit for a dispute that I filed on XX/XX/2020. Violation of Regulation e. The case ID number is XXXX, I still have not received my item from merchant XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Capital One accounts were restricted on XX/XX/XXXX while some transfers were being investigated. I had an ongoing ACH credit from one of my XXXX business accts to my personal checking account for the amount of {$7000.00}. While all automatic linked debits, including utility bills and credit cards were declined and I had to change them to my XXXX XXXX account, Capital one has continued to process the automatic credit from XXXX knowing I have no way of accessing those funds. They have now pulled {$21000.00} from my business account since the " restriction ''. I was not aware until I received a mailed statement almost a month later as Capital one has not allowed me to access my accounts online. I have called multiple times and left messages. No one has returned any of my calls. I wrote a letter ( attached ) which also addressed the original wires that led to the restrictions and again have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I was promised a bonus of {$300.00} when opening a checking account. I completed all terms required to get the bonus. The maximum time frame of 120 days to post the bonus has also passed since completing all the terms. 

Checking Account opened on XXXX XXXX. 
All Terms completed on XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At the beginning of the COVID crisis, ( in XXXX I believe ) Bank of America ( the credit card carrier ) contacted me and told me my payments were being deferred temporarily. I did not know until 2-3 months later that they were accruing interest as they normally would. I started making payments again immediately. This seems very predatory in the midst of a crisis. I'm sure the terms were in fine print somewhere but I did not ask for assistance. They just sent an email and automatically adjusted my amount due to {$0.00}. I could not even tell what my normal payment would have been if I wanted to keep paying. I accrued hundreds of dollars in interest on debt I would have been paying off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Hello and how are you? I was shocked today when I reviewed my credit report and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from ( SWC Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ) that I never have dealt with before and i see a balance of {$240.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I've made two attempts via the XXXX  dispute process to resolve this matter, the most recent being XX/XX/XXXX. XXXX XXXX and I had a dispute over the amount of a larger bill that also included this bill of {$28.00}. Once resolved, payment was made to XXXX XXXX on XX/XX/XXXX. I have not received any written attempts from Professional Adjustment, Corp of SW FL Inc. to my knowledge requesting payment. I only noticed the erroneous collection, reported to the credit bureau, on my credit report. I have provided proof of payment and the above information to XXXX  who has stated that Professional Adjustment , Corp of SW FL Inc. has reported that the collection was correct. 

I have not been delinquent on any bills over the past 20+ years, let alone one for {$28.00}. My credit score ranges from XXXX depending on the credit reporting agency and report date. To have an erroneous delinquent credit collection on my report is negative and the company has not proven that I owe money to them. I have proven that I don't, but XXXX  have not taken this off my credit report. This complaint is both with Professional Adjustment , Corp of SW FL Inc. and XXXX  Credit Bureau, but I didn't want to waste CFPB time by making two separate reports for such a small amount.

Company response to consumer: Closed with explanation