vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Pinnacle Asset Management, LLC
State: FL

Complaint narrative:
I received a phone call from a local telephone number that had left a voicemail I called the number back with a document reference number. The lady who picked up the phone ran the information and claimed that I owed XXXX Soma dollars on a vehicle loan from XXXX The vehicle in question belongs to someone else and not me I advised them that I had never received anything whatsoever in the mail regarding this alleged situation.. I wanted to share a mailing address so that the debt could be verified and also offered my email address as they already have my phone number. I also wanted to inform them not to call any relatives which had also on this very day received a phone call threatening of them ... The lady advised me that I need to get a lawyer to handle this situation or be prepared to explain it to a judge. To which I answered please send me something in writing and here is my address and I also want to inform you that I do not want to receive any more phone calls to myself or a family members I was abruptly hung album ... I then called the telephone number back explain the situation to another representative explained myself exactly as I did to the 1st representative upon wanting to give my information and telephone numbers of family members contacted to be put on a do not contact list the gentleman responded to me that we will continue making telephone calls to you. I then advised him of what my address for mailing would be he did not want the information he then said he would send an email and told me to send the agreement back And start making payments. I advised him I need ed something sent to me via physical mail so I can know what this is specifically in reference to. Then there was a 22nd period Period of silence I again offered information to receive something in the mail as well as an email address he said he wanted none of that period I then replied to him by saying if you just said to sign and send you payments and that is all that he need ed from me I again offered him an email address and physical mailing address and then was hung up on ....

Company response to consumer: Untimely response
Consumer complaint received 2021-07-06 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: GA

Complaint narrative:
I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this information, and remove it once its confirmed that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Resurgent Capital Services L.P.
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 and the creditors 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. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. 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. 160 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. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Synovus Bank
State: IL

Complaint narrative:
I WAS CREDIT CARD BILLS AND OTHER BILLS IN MY NAME OVER THE YEARS BUT I STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CT

Complaint narrative:
I have not had a XXXX account since probably 2012. When I closed my account and changed providers I owed them nothing, and have heard nothing since. Today I received a letter from Jefferson Capital stating I owe {$270.00} ; when I called I got put on hold and disconnected 3x.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
-Violation of 15 U.S. Code 1692c - Communication in connection with debt collection I did not give permission to any debt collector to contact me -Violation of 15 USC 1681 ( 2 ) Exclusions ( 3 ) ( e ) - The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
-Letters have been sent to my residence in which I did not authorize any information from my credit card, which by definition credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Source 15 USC 1602 ( l )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021, I went to a Capital One Caf in XXXX, Arizona, to make a cash deposit into my checking account. The cash had been a birthday present from my father, mother and other relatives in XXXX and I intended to use it to cover the cost of higher bills I incurred due to repairs at my home. 
The ATM machine said I could insert up to XXXX bills at a time. I had XXXX folds of XXXX {$100.00} bills each and {$440.00} in loose bills, for a total of {$2200.00}. My plan was to deposit all of it into my account. However, after some failed attempts at inserting a number of bills together, including attempts witnessed by an employee of the caf, the ATM flashed an error message and kept my money. I believe that, in total, between the two ATM machines I used, {$1700.00} were kept. 
I immediately contacted Capital One and did so again on the morning of XX/XX/XXXX, given that XX/XX/XXXX was a federal holiday. I was told that I will have to wait 10 business days for a provisional credit and 45 days for a resolution of the investigation. Meantime, I have a number of bills due and only {$53.00} in my checking account. I asked for an earlier credit, but the bank refused, saying it is procedure. This is unacceptable. The money is mine and was stolen from my by the ATM. I need Capital One to resolve this immediately and issue at least a partial credit so that I can keep my financial responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Referencing Complaint ID XXXX and XXXX. I have been trying to resolve a duplicate transaction issue with Capital One Bank for more than 7 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my XXXX XXXX  account ending XXXX from someone elses account at Capital One Bank. I notified XXXX and Capital One of this and XXXX XXXX  reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed by Capital One, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Capital One Bank, they directed me to talk to XXXXXXXX XXXX  Capital One stated that they would be able to fix the issue if XXXX issued a letter of indemnity. XXXXXXXX XXXX  has requested payment from Capital One twice, and Capital One REJECTED both requests. Ultimately, Capital One Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called XXXXXXXX XXXX  and Capital One Bank weekly. I am extremely frustrated that this entirely fixable problem has gone unfixed. Capital One Bank 's customer service is completely unacceptable and unhelpful. I am extremely disappointed because I have a {$790.00} reversal charged to my XXXX credit card when I have already sufficiently paid my credit card balance, and Capital One Bank will not agree to work with XXXXXXXX XXXX  to resolve the situation. 

To resolve this problem, I would appreciate if Capital One Bank would work with XXXX XXXX to send the {$790.00} funds back to my account. Once this is resolved, I plan to close my Capital One Bank credit card account and terminate my relationship permanently with Capital One Bank. The unprofessionalism and incompetence that I have encountered at Capital One Bank is absolutely unacceptable, and I am appalled that this seven-month perpetuating issue has not yet been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
XXXX - Set up via XXXX XXXX XXXX Bill Pay. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX XXXX - Payment ( {$2600.00} ) sent via bank and set up as electronic per usual. I received a rejection stating that Mr. Cooper is requesting check. Therefore the bank sent a check. Mr. Cooper never received the check. I called my bank and requested a cancellation on the check so that I could pay over the phone. I was told by Mr. Cooper that this required a fee. I argued asking the fee to be waived since I had set up the payment to arrive on time. It was suggested that I pay online. Mr. Cooper 's website kept blocking me. The fee was waived and I downloaded the app. This payment was posted on Mr. Cooper on XX/XX/XXXX XXXX - Tried paying via the Mr. Cooper app ( {$2600.00} ). I received an 'error ' message each time I tried submitting the payment. I was now able to login via their website and I was receiving the same 'error ' message. Therefore, I went through my bank once more. {$2600.00} withdrawn from bank account on XX/XX/XXXX, posted on Mr. Cooper on XX/XX/XXXX. 

XXXX - I went to set up my payment ( {$2600.00} ) for XXXX and I was told that XXXX was not received. I checked the app and I saw a reversal credit of my XXXX payment. Mr. Cooper said there was a system issue that affected customers nationally. I did notice that the amount was not deducted from my bank. I had a payment scheduled for XX/XX/XXXX for XXXX. I was told by the rep that as long as the payment came in by the XXXX of XXXX I would be fine and that I would just need to make payments by the XXXX of each month moving forward. 

XXXX - XXXX payment ( {$2600.00} ) was deducted from my bank account on XX/XX/XXXX. On XXXX, I received a text message from a Mr. Cooper " collector '' that I'm now behind 2 months. Freaking out, I went on the app and tried to submit a payment and received an alert that I will be charged {$88.00} for a late fee. I received another 'error ' message when trying to submit payment. So now my credit is in jeopardy ( I've never missed a mortgage payment in my life ). I called Mr. Cooper and they did not receive my XXXX payment. They asked that I call my bank and have proof sent to them. I called my bank and they can not fax or email Mr. Cooper the information. I will have to go to a location and request that the information be printed for me. I would also need to schedule an appointment first. I sent a screenshot of the deduction from my bank account to the email address Mr. Cooper provided. I'm very concerned about my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: TN

Complaint narrative:
This company is calling me every single day I dont owe them nor do I know what they are talking about they are harassing me every single day and its annoying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been receiving numerous calls from blcoked numbers leaving threatening harsh messages. I finally called the number left. Had to call back 6 times because they kept hanging up on me when I asked for information. They yelled and cussed at me. Refused to give me any information other than I supposedly owe a debt to Check-n-Go from XXXX, 8 years ago for a payday loan. I can PROVE I did not work in XXXX, I haven't worked since XXXX due to health reasons. I have no idea what they are talking about. All I can do is assume this a case of fraud or identity theft. 

I have called all these numbers trying to resolve this issue and was just given the run around. Nobody would even tell me how much this debt is, they just kept asking for my personal information they refused tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
On XX/XX/2021 Social Security deposited {$880.00} in my current prepaid account, upon receiving deposit current prepaid closed my account and I have no access to my money, there's absolutely no customer service for me to talk too only online chat, I'm not the only one they've done this to, apparently it's a wide spread practice for this company to lock people 's accounts or close them with no way to access funds and no way to get any information, this company is running a major scam!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is a inquiry on my report I did not inquire about. All the information as far as address and DOB is incorrect. Its on my report twice. From XXXX XXXX & XXXX and neither have the correct information indicating this is nothing I inquired about.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing these accounts since last year so this is the reason for the complaint. The account is inaccurate but its still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that must be removed. I have been disputing this account and have sent several letters asking for validation. I have attached the letter I most recently sent. Please remove this from my file as you have exceeded the 30 day period and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I had an arrangement with XXXX XXXX to make payment arrangements of {$25.00} bi weekly. I gave the gentleman my personal account information to where XXXX could take it out of my account, then weeks later I started receiving calls from collection agency I ask XXXX to not to contact me I worked arrangements out with the Hospital and she continue to call. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

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 2021-07-06 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have never done business with this Company before. I have written to the Credit Bureau on several occasions and nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
other XXXX XXXX XXXX XX/XX/XXXX {$4500.00} credit card XXXX XXXX  XXXX XX/XX/XXXX {$85.00} credit card WELLS FARGO XXXX XX/XX/XXXX {$7100.00} credit card XXXX XXXX XX/XX/XXXX {$1400.00} credit card XXXX XXXX XX/XX/XXXX {$7600.00}

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 non-monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: IN

Complaint narrative:
I have no memory of incurring this debt. Likewise, I never received any correspondence from the original creditor or debt collection agency stating that I owed the debt. Also, the debt was in two parts. I do not recall making one single debt with this company net alone two separate debts. I'm not saying the debt is not valid, but it does not appear valid because I never knew I had this debt until it showed up on my credit report without any prior notice. I have a XXXX credit score and I take pride in paying my debts and bills on time and in full. So if I had knowledge of this debt I would have never allowed it to go unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I settled my Capital One credit card charge off. Capital One did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. Capital One verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

Company response to consumer: Closed with explanation