vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have a debt amount of {$130.00} from KLS Financial Services whom they have stated I owe KLS Financial Services. After speaking with a representative from KLS Financial Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with KLS Financial Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the KLS Financial Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with KLS Financial Services and neither have I used their services for them to say that I owe them money. I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-KLS Financial Services can furnish to me.

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have spoken with several people about the same issue. It was reported in XX/XX/2017 that I was late on 3 of my credit cards ; cards ending in XXXX, XXXX, and XXXX ). When I originally spoke with someone, due to the issue with the autopay and one of the payments being short XXXX  cent, the late fees were removed due to inaccuracy and it was supposed to be fixed with the credit bureaus. On 2 different occasions, a rep told me it would be resolved. When I called back for it not being resolved, I was told the reps didn't add notes and there was nothing they could do. I've been giving the run around and hung up on many times. I can't get anything resolved and they won't fix the issue. The information is inaccurate and I was advised that it would be resolved. If my payment activities are reviewed, they will show that this issue is the only time I've ever been " late '' with my payments. In actuality, I've never been late, this was an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Contacted Wells Fargo back 2018 about settling this account. Was told the account was to old it was in the best interest of the bank just to close the account without any payment. Now the account shows as settled for less or charge off. I Was rejected for a new loan due to this fact. In good faith please remove this from my credit reports.

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 2020-09-13 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VI

Complaint narrative:
I ordered a bicycle online on XX/XX/XXXX. I got the shipping confirmation, but the bike never came. I attempted to contact the merchant unsuccessfully ( no phone number, invalid e-mail ). I tried to file a fraud complaint with XXXX but was unable to ( it was not on my XXXX account ; I could not get a person on the phone ). I entered the USPS tracking number provided on the shipping confirmation and that was bogus, too. It said the item was received XX/XX/XXXX, two days before I ordered it. 

I checked my Barclay 's statement, the charge was on there, so I filed a fraud claim with them ( online XX/XX/XXXX followed by the attached letter on XX/XX/XXXX ). I received a letter acknowledging my dispute and tried unsuccessfully to call them several times in early XXXX, so I sent the letter on XX/XX/XXXX. 

I just received my XXXX statement and they put the disputed charge back on my account. I have heard nothing from them, nor can I reach them. I disputed the charge again yesterday on line and tried calling again today.

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 2020-09-13 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: PA

Complaint narrative:
i never got my money from the settlement also they closed all my avenues off from viewing my credit report. the last one i seen had the wrong information on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have closely been monitoring my credit reports. My credit reports have a debt amount of {$770.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My account someone took over stole my information wrote bad checks in my name and cashed them causing my account to be put in the negatives this happened XX/XX/XXXX Ive been in contact with XXXX XXXXl but it seems like nothing had been done by both banks Bank of America and now Im out of luck

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 2020-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TN

Complaint narrative:
Avante USA has reported a collection to the credit bureaus claiming that I owe {$1900.00} to XXXX. I've never had an account with XXXX XXXX. This erroneous claim has caused a drastic decline in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This item came to my credit report. originating from XXXX. in 2019 I became deathly ill.. I contacted all creditors and explained my situation. asked if I could pay a lower amount because of hardship. XXXX took my payment. as far as I know, it was supposed to be paid in full.. then this came to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted disputes with proof uploaded to all three of the credits and I am receiving no response. I have requested for them to investigate and send me proof from the creditors and still receiving no response and the incorrect information is still on my credit. Please help me to resolve this matter. 
Dispute submitted on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
I am currently an XXXX  client. I received information that I have a collection in from XXXX. but how do I have an account that is current and one in collections? i have tried asking them and they stated it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I was XXXX  and I didn't have medical.. but was given grants and XXXX at the hospital.. all the debts were paid via grants and XXXX including this one..

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have two ( 2 ) debt amounts of {$320.00} and {$310.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. However, according to my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX credit reports, they will remove the accounts and place them back on my credit reports. This has caused a tremendous effect on my credit scores and how lenders look at my creditworthiness. 

I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: NC

Complaint narrative:
Conduent was my previous student loan servicer. My student loan was sold or transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I have no hard copy or digital records of the original loan or transfer over to the new service provider. I do not have any info about the repayment terms and schedule. No data transparency or disclosure is available. XXXX insists the former Conduent service provider sent the loan paperwork. I did not receive a hardcopy or digital copy. XXXX will not provide a copy of my loan paperwork or the full repayment schedule. They insist all that information was sent to be by XXXX and they do not have any obligation to provide this information since they did not originate the loan. My payment schedule is graduated and I don't have information regarding the graduated schedule. I was shocked by the increase in my expected XXXX student payment and had no warning of the pending increase. XXXX will not provide the full repayment schedule to me except for XXXX, XXXX and XX/XX/XXXX. I can not compare the repayment schedule for XXXX to XX/XX/XXXX to the original Conduent loan information because I never received the info. I do not have information to determine the accuracy of my loan balance, previous payments, pending interest or principal. I have no means to perform an accounting reconciliation of my loan account without the Conduent loan documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I have closely been monitoring my credit reports. My credit reports have two debt amounts of {$720.00} and {$1200.00} from Stern Recovery Services whom they have stated I owe Stern Recovery Services. After speaking with a representative from Stern Recovery Services asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Stern Recovery Services, absolutely nothing has been sent to me. I have repeatedly sent letters to the Stern Recovery Services asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Stern Recovery Services and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Stern Recovery Services can furnish to me.

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 2020-09-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a credit card with XXXX  XXXX  XXXX XXXX  I fell behind in XXXX of XX/XX/2020account balance was at XXXX $ in XXXX I cleared the balance and paid it off card is current and being paid on time from XXXX of XX/XX/2020till currently. In XXXX of XX/XX/2020I lost my card I reported they sent me a new card which was still at a XXXX $ balance. Equifax is saying I have 2 accounts 1 is at a XXXX $ balance and 1 at XXXX $ the card at XXXX doesn't exist they said it was updated last in XXXX and that the 2 times I have disputed it. Thats the information they are receiving even after they told me last update was in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Was removed as an authorized user. Still shows on transunion and XXXX. Please have this updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/2019, Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Account was settled and payment history still shows as negatively report. Was never notified about not making payments from an bill auto payment. Was working on correcting this account however bank recommended to settle. I would like to continue to business with the bank in the future and would like in good faith to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I earned {$10.00} reward at JCP store toward future purchase. Expiration date of reward XX/XX/20 On XX/XX/20 I made purchase at same store. They refused to honor reward. In response to my complaint JCP advised the store was only honoring rewards up to XX/XX/20 hence no adjustment. 

Such terms were not stated yet enforced when questioned. Clear deception. 

I would like this matter pursued to stop such unethical behavior. 
' I will attach documents if this system allows. 
Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
MY USAA ACCOUNT WAS CLOSED ON XXXX, XXXX 2020. 

MY FUNDS IN THE ACCOUNT AT THE TIME WERE CLOSE TO {$2000.00} I HAD AN INCOMING DEPOSIT ENTER THAT SAID ''CLOSED '' ACCOUNT ON THE XXXX OF THAT MONTH/END OF XXXX IN THE AMOUNT OF {$3500.00} ... THEY ARE THEY ARE REFUSING TO REISSUE THE FUNDS BACK TO ME VIA CHECK ... 

USAA STATES THAT THIS PROCESS COULD TAKE SEVERAL MONTHS ... 

PLEASE HELP AS AM DUE BACK A LARGE AMOUNT OF MONEY THAT MY FAMILY AND I DESPERATELY NEED RIGHT NOW AS USAA ENJOYS THESE DIVIDENDS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: TN

Complaint narrative:
Today I received an alert from my credit monitoring service that this collection agency has reported that I owe them money for an alleged debt. I have never done business with this company. I have never received any correspondence from this company notifying at all prior to taking this audacious act to defame me and negatively impact me financially not to mention defaming my name without due process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
New Discovery. It appears that in XX/XX/XXXX a payoff amount was {$71000.00} on loan number XXXX and loan type Conventional. I am very concerned how is this is my payoff amount? And how did they arrive at that payoff amount balance? This is the same balance that is on that fraudulent XX/XX/XXXX XXXX loan modification document. The only rational that I see is that the {$21000.00} is missing funds that was not applied to the Round Point Mortgage loan account XXXX on XX/XX/XXXX. When you add the {$21000.00} New money to the existing mortgage balance the total comes out to {$71000.00} to be exact .what they did is took the missing funds of {$21000.00} that was not applied to my loan mortgage account on XX/XX/XXXX and invested in a money first account to make profit. I can remember I was inquiring about the loan amount and why it was a Conventional loan which I never got an answer to those questions. Then in XXXX I was con to signed 2 documents for the same amount of funds that has been missing since XX/XX/XXXX but I had no knowledge that all this was going on.That new money of {$21000.00} please investigate exactly where was those funds was applied to? On the loan modification its states investor loan No :  XXXX did the missing funds applied thereXXXX XXXX XXXX XXXX has the loan modification documents that was transferred from Round Point Mortgage to XXXX XXXX XXXX on XX/XX/XXXX stating the same. Attached exhibits A B C

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