vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have received a copy of my transaction payment history with American Credit Acceptance. I got this loan in XX/XX/2019 and my payments are {$330.00} each month due by the XXXX. The interest rate is 28 % and am also under a simple interest loan with has a per diem. of {$7.00} daily interest. I have every payment and never been 30 days deliquent on this account. ACA has applied over 8 payments towards all of interest and nothing towards my principal balance. I have tried to call them and discuss this error and no one is able to assist me they keep trying to tell me its simple interest and I understand that however even though it is simple interest if I pay any payment before the due date I should have money applied to interest if paid before the due date and at no time should my full payment be applied fully towards interest if I am paying before the due date or not going over 30 days. I have tried my best to discuss this with ACA and I am getting no where with them. I work for a bank with mortgages and I know exactly how simple loans work and should apply to debt balances. Please review my payment history and have them update this payment on my credit report file as well as their file. Thank you so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XX/XX/XXXX my husband died unexpected at the age of XXXX, the same time Owcen who was servicing our loan was than sold to Phh Servcing. I informed them of his death and in XXXX of XXXX they took him to court and proceeded forcloure on the property, i had to provided proof that i was his wife to become successorship with which the awarded in XX/XX/XXXX to recant it XX/XX/XXXX and than they award it again in XX/XX/XXXX when covid began they than would keep me in modifications every three months stating they never recieved my documentations, as i would continue to send back they would ask me again for the same paperwork, when i would call to speak to my relationship manager that i was assigned to i would have to wait 3 weeks or more for a call back never able to reslove any issues for they kept the cycle of failed converstations with different realtionship managers never the one assigned to me. 2 years in and i still am fighting with them about recyled paperwork as well as not awarding me successorship till this day ... this company has already been sued by the Attorney General of my state of NJ in XXXX for the same pratices. please help me save my home from another agency that is not part of the solution of homelessness... Concerned Widow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
PayPal and XXXX. 
Here is the story in details, and I am seeking justices ...... 
What happened that I have bought two items from an XXXX seller. I paid for these items using my PayPal service. But when the time passed and items was not delivered in the time frame I waited another week but I never revised the goods thus I did submit a request for full refund, XXXX ask me to wait little-bit longer even though I did wait more then I supposed, when I discovered that the tracking number was fake I decided to contact PayPal to help, but did notice that PayPal service keep postponed the respond to my case, every time when the decision date comes from them to make the final say the extend the time frame without any concerned that there is a time of essence, noticed that after I send them a compliant clearly indicate that what happened it goes against the Business code of ethics that set to be the guiding principles and sure it was created to ensure that all business organization and its employees to act with honesty and integrity in order to complied with the Business code of ethic, what happened that PayPal react been more hostility after receiving my complaint and on purpose keep extend and delay the decision day showing complete challenge against me believing there is nothing I could do to force them to be fair when dealing with victims like me in that case since we used their service for protection as they claimed to be, but the injustice was obviously shows in their response. This unfairness must have an end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX XXXX /Equifax . also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I had a car loan with Bridgecrest. The car was totaled in XX/XX/XXXX, they were made aware of this. on XX/XX/XXXX they received {$14000.00} from my insurance, on XX/XX/XXXX they received payment from my warranty balance {$520.00}, on XX/XX/XXXX they received the GAP paid by XXXX {$2300.00}. Bridgecrest reported late payments for XXXX, XXXX, and XX/XX/XXXX after they received all payments prior to these dates. I called them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about this issue. It took them until XX/XX/XXXX to get their accounting in order and update my account. If it is taking them that long to do their accounting I should have had to suffer with them violating my rights and destroying my credit. They even verified this inaccurate information to the credit bureaus the 3 times I have disputed this on XX/XX/XXXX, XX/XX/XXXX, XXXX. I recently needed to have emergency XXXX work, I applied for a loan and was denied due to their violations of my rights. I had to takeout money from my XXXX and pay a 10 % penalty also. I want them fined for reporting and verifying inaccurate information. And I would like some type of compensation for the money all of this has cost me, plus the fact that I have not been able to do what I need to do because my credit was destroyed by these 3 payments they continue to report. I have my account statement from Bridgecrest showing these payments and when they received them. Attached is the account statement sent to me by Bridgecrest showing all payments and when they were received. They received payments prior to XXXX, XXXX and XX/XX/XXXX and still reported late payments on my credit.

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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am person a consumer a natural and not a credit agent person trying to fix thus stuff becuz they is messing my lyfe is being messed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc
State: MN

Complaint narrative:
I was sent to collections by XXXX XXXX XXXX  for a bill that was paid by me the same day that I received it in the mail ( XX/XX/2021 ), I drove to their office and paid via a personal check the final total due of {$240.00}. 

On XX/XX/2021 I received a collection notice from CONSUMER COLLECTION MANAGEMENT for a total of {$340.00}. Not only did XXXX XXXX XXXX  send me to collections for a bill already paid, they added a previously paid bill for pro-rated rent which was {$90.00}, and they didn't included the interest on my {$400.00} deposit of {$8.00}. 

{$240.00} + {$90.00} + {$8.00} = {$340.00} ( which is what they sent me to collections for ) Attached are documents that prove this. 
* Final Bill - Show 's total owed ( {$240.00} ), and the previously mentioned money order being accepted ( {$90.00} ), and the interest ( {$8.00} ) on the deposit they took for " additional charges '' * Bank account statement that shows the purchase of said money order, as well as them depositing the check from me. 
* A photo of the money order made out to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I check my credit report seen a derogatory mark on credit profile from Harris & Harris Ltd a company I do not know and never did any business with

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CA

Complaint narrative:
My car loan for a XXXX XXXX XXXX with XXXX was paid in full back in XXXX. Soon after XXXX sent us the title to my vehicle as normal when you pay off a vehicle. However, XXXX is reporting to Equifax that there is still a past due balance of {$1100.00} and this account is in collections. I have contacted Equifax and requested an investigation and to verify that this account was not paid in full. I have also requested that Equifax send me documentation, names and numbers with regards to their investigation that this is being reported accurately. I also sent Equifax a copy of the title I received from XXXX, advising that the title is sent when the loan has been paid in full. How can I have the title from XXXX if I still owe a balance. This account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WFDS Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital one credit card company simply refusing to allow me to redeem the cashback rewards that I earned over the last 14 years, and illegally cancelled my account to prevent me from doing so and instead they sent me a new card with a new number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: VA

Complaint narrative:
On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX  On XX/XX/XXXX sent letter to USBK COURT XXXX VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and XXXX  XXXX  letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: VA

Complaint narrative:
On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX  On XX/XX/XXXX sent letter to USBK COURT XXXX VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and XXXX  XXXX  letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.

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 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My account continues to be coded and profiled for certain activity, mobile deposits, certain transactions, overdraft protection. 
I continue filing complaints regarding this situation. The bank continues to deflect and want me to speak to their Executive Client Escalation representative. 
I completely understand the problem as well as the violations and practices which I am experiencing. 
I have opted in for overdraft protection, however, the transactions which caused the overdraft are not paid and fees are applied. 
Four transactions at {$10.00}, 1 @ {$15.00} were allowed to post causing overdrafts and fees. I am willing to pay the valid charges totaling {$55.00}. The fees are {$140.00}. 
I have requested a refund since the transaction should not have been authorized by the system and then approved to be paid via the Opt In option. 
Also, this bank put a hold on my Social Security Direct Deposit and some deposits I made via mobile banking app for no valid reason except because of profiling. Deposits are being scrutinized and held. My account becomes overdrawn because of this illegal bank practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: MO

Complaint narrative:
I have a used car loan with Nicholas Financial , Inc., XXXX XXXX XXXX XXXX, XXXX 's XXXX, MO XXXX. I did not choose this company - the car dealership arranged the credit with a different company, but a few months later the debt was evidently purchased by Nicholas and I had no control over it. Since the car dealership propagated another scam on me related to inferior car insurance, perhaps this change in loan companies was a similar bait and switch. 

Because of the exorbitant interest rate, and because I improved my credit rating drastically since I purchased the vehicle, I contacted my bank to request refinancing. The remaining loan was beneath their threshold for auto loans, but they offered a XXXX interest credit card instead. I contacted Nicholas to pay off the loan, but they refused to accept a credit card payment. My bank insists I should be able to make a payment with the card, but Nicholas refuses. I made a large payment via my checking account in the meantime, but I believe this is an unfair practice designed to continue to collect ridiculous interest, while I lose out on 0 % interest and bonus points on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I received a debt letter from Spring Oaks Capital dated XXXX XXXX and i responded back with a debt validation letter dated XX/XX/2021 and as of today i have only received credit card statements from creditor and its not what i asked for. They have proceeded to report this debt on XX/XX/2021 to XXXX only of which i was unaware of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I have been disputing this account for some time now with PHOENIX FINANCIAL. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation