vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: GA

Complaint narrative:
Filed a dispute with XXXX  ( XX/XX/2020, Confirmation # XXXX ) Credit agency. XXXX  closed file ( XX/XX/2020 ) as they contacted creditor and verified account is mine. 

I contacted GLA Collections, Inc on behalf of creditor XXXX for a purported amount of {$100.00} requesting date of service, insurance company information, and copy of the actual bill submitted, but to date have not heard back from GLA Collections. GLA has placed a lien on the public record for the amount of {$100.00} hich has altered my credit. I am on a fixed income ( SSA ). this amount is so low and should be deleted or waived from my credit file on Public Records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
All calls were received today, Saturday, XX/XX/2020. First call was received at XXXX XXXX, immediately followed by another call which logged as XXXX XXXX also. Received a call at XXXX XXXX, immediately followed by another call at XXXX XXXX. The last call I received was at XXXX XXXX. I consider 5 calls before XXXX XXXX harassment. The two calls at XXXX XXXX are ridiculous not to mention frightening. Any calls at that time you automatically assume are bad news regarding family members. The one call that I answered at XXXX had no answer. I have a screenshot of the phone log if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank / XXXX 3rd party was allowed to add me to their credit card as an 'authorized user ' without my knowledge or consent. When 3rd party defaulted on payments, credit card company reported the default on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal 's dispute process is completely dysfunctional. I filed a timely dispute and PayPal told me to " escalate it '' within 10 days. But, their app would not let me escalate it. I tried customer service, but they set up their automated system to hang up on people and it's impossible to get to a live person. Their website encouraged me to chat, but I dealt with a different person on every single response. One person said they would issue a credit and then another person told me they wouldn't. And, I can't even keep a record of that because their app prevents screenshots due to a " security policy ''. I even tried XXXX messaging and they did not respond to that either. Looking at the other XXXX comments, it would appear that hundreds of people are having similar issues with PayPal. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
During loan period, lender has charged excessive late fees. There is a 10 day grace period on payments made. Payments are due on the XXXX of each month. Lender has charged late fees on the XXXX day of the grace period, on 4 occasions. Reason I was given for these excess late fees was ... '' your payment is due on the XXXX, not the XXXX. '' I have email correspondence of my and lenders conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since XX/XX/XXXX we have requested Select Portfolio Servicing , Inc. ( SPS ) to refund money owed to me ( XXXX XXXX - Trustee to the XXXX Family Trust ) in the amount of {$1900.00}. After SPS took no action despite requesting the return of my money and after providing supporting documentation on many occasions, I filed a complaint with the CFPB in early XX/XX/XXXX ( See Complaint Number XXXX ). As a result of this complaint, on XX/XX/XXXX, SPS agreed to refund my money and the CFPB complaint was closed. However, to date, SPS failed to return my money for which they represented in writing they would do ( where the check should have been issued in the appropriate name, XXXX XXXX, as property owner to the home that collateralized the subject SPS loan that I paid off in XX/XX/XXXX ). It is now XX/XX/XXXX, almost 2 months since my complaint with CFPB was closed and about 9 months that SPS has wrongly withheld my money. 

At this point, it appears the only explanation for not processing my refund is that SPS is intentionally and fraudulently keeping my money and/or they have material weaknesses in their internal controls, which should be brought to the attention of the CFPB, U.S. Department of Justice, and SPS 's independent financial statement auditors. 

As such, I'm demanding that SPS return my money to me immediately. 

Please advise on when I will receive a check in the amount owed of {$1900.00}. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
Skrill declined transfers and terminated my account. I reached out to their support for clarification on what exactly prompted the termination and they refused to provide additional details. They insinuated that I was some sort of criminal  participating in illicit activity. This is a slanderous accusation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern : I am writing because my credit report indicates a late payment 30-60 days  past due for my Capital One account. 

In XX/XX/2018 I overpaid my credit card bill because I was unaware that the automatic payment would still draft my account after I scheduled a manual payment prior to the due date. It was never my intention to overpay the credit card or make two credit card payments in a single month. But for the overpayment, Id have an excellent repayment history. On XX/XX/2018, I called and spoke with two individuals concerning the automatic payment taking {$180.00} more than was due since I made a payment several days prior. It was at this time that I was informed that the automatic payment system does not reduce the draft amount based on manual payments made in the system. During my call, I requested the overpayment to be returned to me by ACH or by check. I was told the overpayment could not returned to me and that I would have to contact my bank to request that the payment be returned. Prior to this incident I had not failed to make any payments on my account. Based on what I was told by the Capital One customer service associate, I contacted my bank to have the overpayment returned to me. It is deceitful and unfair for your customer service associates to advise customers to return the overpayment through the bank without any notice that it would have an adverse impact on the account. I would not have contacted my bank if I would have been properly informed of what would occur and the negative effect to my account. Instead I follow the advice of your representative and now I am the one being penalized based on the inaccurate and terrible advice that I was provided. 

I truly believe that this one incident does not reflect my creditworthiness and my commitment to repaying my debts. I am requesting that this situation be reviewed and my calls from XX/XX/XXXX listened to in order to confirm what occurred in XX/XX/2018. I would truly appreciate an adjustment to remove the late payment that was reported to all credit bureaus for XX/XX/2018. 

Thank you for your consideration and I hope you approve my request to have the late payment reported in XX/XX/2018 to all credit bureaus removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Army and Air Force Exchange Service
State: MI

Complaint narrative:
Military Star Card personnel allowed individuals to change my home of record. After multiple attempts in the month of XXXX my home of record address was changed to an apartment in New York. Without verifying my DOD # or verifying via DEERS my account was redirected. This prevented any written correspondence to reach me in Michigan. This dereliction by Military Star Card allowed my account to go into default. My credit scores dropped 72 and 75 point on 2 bureaus. 

I eventually became aware of this in XXXX when I attempted to make a purchase online via AAFES. This is when I became aware of my defaults status. Three telephone conversations lasting over 3 hours I thought I had everything solved. 
Today I received a notice that a garnishment had been initiated by Military Star against my Military Retirement Pension. This is unfathomable!! How can a Credit Card company just sit back, destroy an individuals credit and reputation without even attempting to call or contact the individual that a change has occurred to your personal information, or this how we are going to correct our mistakes

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: AR

Complaint narrative:
I had a secured Discover Card in XXXX that became overdue, then was closed due to personal and financial problems I was having a few months after obtaining the card. The account was sold to a collection agency. 

Now, some 3 years later I have paid off every dollar and cent related to the account to the collection agency listed below. The problem is the account still shows on my credit reports as closed/derogatory, even though I paid it in full. 

I have written debt forgiveness letters to Discover and mailed them by USPS delivery confirmation mail to Discover, never to hear a word/response. I simply want the account TOTALLY DELETED from all my credit, or instead of showing as derogatory/ closed, they can show it as paid in full, because it has been. 

Again the card issuer was Discover however the Collection Agency was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX at Phone number XXXX They sent me a letter saying the Discover account was paid in full as of XX/XX/XXXX with their reference number XXXX. 

I desperately ask this negative be completely deleted-removed, or reworded to show paid in full. I am trying very hard to obtain my first ever Federal Rural Housing Loan and my XXXX  scores are close, but due to this negative, they are not close enough. This one negative from Discover is killing my chances of getting the loan. If I still owed Discover money I could understand the bad wording on my credit report, but I do not owe Discover a cent so they should delete this for me at the least, or change the wording to PAID AS AGREED. 

Sincerely, XXXX XXXX XXXX I anxiously await your influence,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
had a high interest savings account that I opened on XX/XX/XXXX. It was to be used for SAVINGS ... .and no way would I authorize 'payments ' FROM it. 5 random payments were made to " Cardmember Services '' as follows : - {$400.00} on XX/XX/20 - {$43.00} XX/XX/20 - {$75.00} XX/XX/20 - {$33.00} XX/XX/20 - {$390.00} XX/XX/20 Totaling {$950.00} When I XXXX this place I can't find a real place called " Cardmember Services ''. But some references suggest its a service to help with credit card payments. I have no credit card debt so no way could that be mine. I reported this to Capital One. They reversed everything than later took all the money BACK out of my account! When I speak to agents they say they are escalating the case but for now the case is CLOSED because the supposed Cardmember Services says I authorized this. It's UNBELIEVABLE that a bank would take their word over mine. XXXX the exact words on my statement yields with numerous complaints that others have had the same issue ... money taken out of their bank accounts in random amounts and times. The world is in a state of emergency, and I too live day to day wondering my own financial status. I need my savings! It's not acceptable for a bank to allow this to happen! It's a pandemic! People need their hard earned money. How on the world can you be so irresponsible as to let unauthorized transactions occur from a SAVINGS account??????? Savings accounts should be 100 % SAFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have constantly pleaded with Santander to give me an alternative way of making my payments so I am not late. They have refused to assist me. They have made reposts against my credit stating I have been more than 30 days multiple times when I have not been and when I call to gather information no one can explain to where the mistake is. I make the payments and they still report me as late and charge me fees when I pay on time. I have called multiple times to correct the mistakes and to stay current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E. Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX  . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX,TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX  XX/XX/XXXX
XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX
XXXX XXXX XXXX XXXX, TN XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove the following  numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following account is not mines:XXXX #XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: ID Analytics, Inc.
State: TN

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future  information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX. Please remove the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account is not mines : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I was inside of the store today, where the store clerk asked me if I wanted to sign up for a REWARDS card, not a credit card. It was inside of a beauty supply store. The clerk asked for me name, and last four of  social, the next thing I know I have a credit card. The terms and conditions were not disclosed to me BEFORE I signed up, and they did not have my consent to run my credit, as I did not sign anything. The store clerk mislead me and didnt let me know anything about the card and handed me a pamphlet with the terms AFTER running my credit without my permission. I know my rights as a consumer, the terms and conditions had to be disclosed before I signed up for anything and they had to have my consent to run my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
When Covid hit, I lost my job. My husband is XXXX and we only have his XXXX as income. I called Freedom Mortgage around XX/XX/XXXX and told them about our situation. They explained that they were working with people to not report them on credit and not charge them late fees, due to the pandemic. I explained that I was just waiting for my husbands XXXX check but we never know when it will come. 

On XX/XX/XXXX I made my mortgage payment of {$1100.00} to Freedom Mortgage, via their website. On that same day I received a email confirmation that I made the payment. but the email had the date XX/XX/XXXX on it. I have attached a screen shot of the email. In the upper corner you can see the email was sent on XX/XX/XXXX. 

On XX/XX/XXXX I got a credit notice that Freedom Mortgage had reported me more than 30 days late. I made my payment before the end of the month. So I immediately contacted them. 
The rep at Freedom told me that they must have just taken too long to process the payment and that there was nothing they could do. I have spoken with many reps via phone, email, and online messaging, and no one will help me. 

I need the late report taken off of my credit and out of their system. Their lack in proper processing time and lack of notice for longer than normal processing time is unethical. It is greatly affecting my credit and opportunity to refinance my home.

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 2020-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX continues to charge me for an account that is not mine. I own one card which is paid off and they authorized a second one without my knowledge or consent. In addition I have already disputed it with them. They have closed account and charged me full balance on all three credit reports. They have told me over the phone it was taken care of and balance would be removed. Its been lie after lie to the point I told them to stop calling me verbally and through email. Received another call this morning on XX/XX/2020 again charging me for balance. Total amount they claim due to 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