vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX, Your rent payment was accepted by Slate.

Payment Details : Payment ID XXXX  Resident XXXX XXXXXXXX XXXX XXXX Amount {$88.00} Date XX/XX/2020 Payment Status Paid, View Receipt Payment Method Check Note I paid completely directed to the XXXX  XXXX. Genesis manager, Ms. XXXX was so rude since day one. I paid and they continue calling and threatening me. Ms. XXXX, manager of Genesis, sent debt to credit report after I paid. I want Genesis to be investigated for management approach and debt charges that you cant fully understand well from where they charge money from people. I am positive others have had same experience like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Am being called several times a day from the same number. No messages are left they call and hang up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX co and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
hard iniqury on credit fraud usage on one and never completed the other and still ran threw

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I Have received repeated threatening, and harassing phone calls all day and night from Consumer Collections Management. As well as calling, and hanging up on me and my family. Consumer Collections Management claimed I owe XXXX that I do not owe from any Rental company I never rented with. The rental company that was Stated by Consumer Collections Management Collection agency was the XX/XX/XXXXat the Arboretum. I have no debt with this company. 

I have no connections with or any financial obligations or business regarding any outstanding Debt with anyone or this company. Consumer Collections Management has also continued to threaten me, and my family saying if I don't pay this unknown debt collection amount they will place it in my credit report. This Debt is somehow connected with my name, and personal identity. I will not be paying this unknown debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1300.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXXXXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.

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 2020-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX XXXX broke law andfair debt collections practice they said i was served with court documents but i was not uneven in town i sent demand letter asking for all negative reporting and court documents to be removed they agreed. Credit bureaus have failed to remove from report

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 2020-11-16 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I recently submitted a complaint to your bureau about Shellpoint Mortgage servicing improperly reporting two mortgages I have with them as delinquent on my credit report during a period in which they were under COVID forbearance. They responded that they had indeed reported those accounts improperly, and that they would be removing them altogether from my credit report. I have a third loan with them as well. It is loan number XXXX. This loan was also under COVID forbearance from XX/XX/XXXX to XX/XX/XXXX. When I filed the last complaint about the other two loans, there were no late payments reported on this loan in my credit report. So I did not include this third loan in my previous complaint. In fixing the two loans from my previous complaint, however, Shellpoint went back to XXXX and reported that I was 90 days delinquent on this third loan. Firstly, I was under their Covid 19 forbearance. Secondly, they didnt even bother reporting those dates correctly. They reported a random 90 day delinquency and all months before and after it are pays as agreed. And they need to fix the late fees they have been charging me for periods when I was either under forbearance or being transferred to deferment. I had to call 10 times before I was able to make a payment because they dont respond to email, or voicemails, and they dont pick up calls. They completely blocked me from making automated payments online and over the phone for many months. It was due to repeated emails that I was even able to make any payments once I came out of deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
For this card, I haven't received this physical card and paper statement after I requested it since this XXXX. However, I have other similar credit card related to homedepot and the other one has always sent me the paper statement. So THD/CBNA kept asking me pay only {$12.00} for 3 months but I haven't known it. For the new card open, everything is not set up yet. Normally the bank should send me paper notice to ask payment if it hasn't received the payment, but It didn't send any paper notices to me yet. The only thing THD/CBNA did is : send " delinquency '' report to 3 major credit bureaus. My credit score dropped about 90 points for only {$12.00}. It is so unfair 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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, I was alerted of multiple hard credit inquiries from XXXX and Capital One. These were unauthorized inquiries, as I did not apply for credit, products, or services from either creditor. I immediately contacted both creditors for suspected fraud/ID theft. XXXX confirmed the fraudulent activity, and advised that any pending applications have been closed and that Id receive confirmation by mail. Any unauthorized hard inquiries would be resolved in approximately 90 days. I then contacted Capital Ones fraud department for resolution. I was advised that there was no record of any activity associated with my name, date of birth, or SSN. Meanwhile, both XXXX  and XXXX showed hard inquiries dated XX/XX/2020. I could not reach resolution with Capital One as they show no record of this inquiry. I was advised to dispute with the CRBs, or send a letter to them to include an account number ( which I dont have ) and other PII.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company continues to fail to validate the SCRA ( Serviceman Relief Act ) which entitles the serviceman to receive 6 % rate regardless if they bought the account from a prior creditor as long as the account was open prior to entering the service. The process requires the rate percentage to be amended to the amount and then provide the consumer with the final amount to pay off their amount. I have called several times, dispute the account on my credit bureau, and they still refuse to warrant the relief that I have the right to have. I inform them JAG validates this relief and those who do not follow it are clearly violating the serviceman 's right! 

This company tried to sale my account yet to another collector that threaten to take legal action and once advise to SCRA and dispute stated that they need to handle the situation and they will no longer persist. 

I reached out to them several times t warrant my relief and pay off the deft, but all they try to do is give me some sort of payment arrangement, but refuse to truly validate SCRA. Previously they pass on this account to yet another collection company, but they had no problem to warrant the relief percentage, but when I called back to payoff the agreement they account went back to LVNV FUNDING LLC due to my dispute through the credit bureau. As I called LVNV FUNDING LLC again they continue to refuse to validate the relief. I inform them I have spoken to an attorney at JAG and they have advise that the relief should be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am unable to contact Equifax in reference to several Hard Inquiries that were observed on my credit report. These hard inquiries were unauthorized, fraudulent and were done without my consent. Please delete from my credit report immediately as this is damaging my credit score. I am also requesting for the security alert to be removed from my credit report. As I am unable to contact Equifax. A security freeze will be applied by me once the security alert is removed. 

XXXX XXXX XXXX ( 2 ) XXXX- XXXX - ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had filed an earlier complaint regarding the safety deposit box at Wells Fargo. I reported receiving a bill for this box and told the bank that I will not be going through probate for these papers since my husband is deceased. I have a trust and all the necessary documentation that entitles me to this box. The bank is unyielding. Now the bank has sent my deceased husband an overdue letter for this box fees. The money is not the issue. It seems illegal to continue to harass me because they refuse me access to the box. I am already in mourning and this bank has done nothing to help me. I have spent money on a lawyer to understand my rights and this letter has again added salt to the open wound. This bank had better not hurt my deceased husband 's credit rating or damage his reputation in any way. It seems illegal that they continue to harass me even though they know he is deceased. If they would just let me close it, I would have no problem paying the fee but they will not so I will not. There are only papers in there all of which have been replaced. 

The bureaucratic responses are XXXX. PA does allow people to access boxes with the documentation I have provided to them. This is just the bank treating customers as nothing more than a number and harassing 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 2020-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Last year in XXXX of 2019 I was fired from my employer, In good faith he offer to take responsibility since I couldn't afford to make payments on the car anymore. I have text messages proving that he ask me to call the bank for the payoff, but he change his mind I also have text messages proving that I ask him for the keys so I can call Ally Bank and turn in the car. In XXXX he text me and told me the car is in the shop but he never told me what shop the car is at??? I call and write to Ally Bank explaining the situation and mail screen shots of the texts but Ally Bank never reply regarding about what my former employer has done but they are reporting every month for miss payments. When Ally Bank is fully aware that someone else has kept the car hidden from me! I only receive one letter from Ally Bank claiming that they can't comment on what my former employer has done and the dispute is only between me and Ally Bank. But according to the Federal Rules of Civil Procedure there are rules that include an 3rd party or an non party.

Rule 14. Third-Party Practice ( a ) WHEN A DEFENDING PARTY MAY BRING IN A THIRD PARTY. ( 1 ) Timing of the Summons and Complaint. A defending party may, as third-party plaintiff, serve a summons and complaint on a nonparty who is or may be liable to it for all or part of the claim against it.

( 3 ) Plaintiffs Claims Against a Third-Party Defendant. The plaintiff may assert against the third-party defendant any claim arising out of the transaction or occurrence that is the subject matter of the plaintiffs claim against the third-party plaintiff. The third-party defendant must then assert any defense under Rule 12 and any counterclaim under Rule 13 ( a ), and may assert any counterclaim under Rule 13 ( b ) or any cross claim under Rule 13 ( g ). ( 4 ) Motion to Strike, Sever, or Try Separately. Any party may move to strike the third-party claim, to sever it, or to try it separately.

Rule 22. Interpleader ( 2 ) By a Defendant. A defendant exposed to similar liability may seek interpleader through a cross claim or counterclaim. 

Rule 71. Enforcing Relief For or Against a Non party When an order grants relief for a non party or may be enforced against a non party, the procedure for enforcing the order is the same as for a party. 

I written to Ally Bank regarding to theses Federal Rules of Civil Procedure Rules and Ally Bank has never reply?!

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 2020-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed on my credit report by XXXX XXXX on my Experian credit file. This account was already paid in full before the closing of this account. This account was still written off and placed in a charge off status. Theres no money owed and the balanced needs to be updated as Paid in full and account is closed. All prior months payment were paid on time. I am requesting for this account to be completely modified and updated or deleted. This is significantly damaging my credit score and is not acceptable. There is no monthly payment or balance for this account. This account was opened in XXXX and should remain on file until XXXX. There should be no further updates by the furnisher on this closed and written off account as this is fraudulent activity.

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 2020-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
My credit score is excellent ( over XXXX XXXX. 

I am being charged with late fees on my BJ 's Mastercard issued by Comenity Capital Bank. 


On XX/XX/XXXX I paid {$100.00} toward the minimum payment of {$35.00} due on XX/XX/. I was charged a late fee of {$29.00}. 

OnXX/XX/XXXX, I paid {$100.00} toward the minimum payment due on XX/XX/XX/XX/XXXX I was charged another {$35.00} late fee.

Company response to consumer: Closed with monetary relief