vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
i am lodging a formal complaint against phoenix financial services. this debt collector has reported derogatory info on my credit reports in the amount of {$1100.00} for a debt that isnt mine. this derogatory account just popped up on my credit reports with no dunning notice from phoenix, which is a violation of the fdcpa/fcra. debt collectors must send notice which then gives me 30 days to dispute validity. I have never recieved anything from phoenix financial. i am in the process of purchasing my very first home for my family and i.now my realtor is telling me this errounous account is holding me back. i am requesting immediate deletion of account from my credit reports. better business bureau, and attorney general complkaints will be filed next if this account isnt deleted. thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: DE

Complaint narrative:
Alarm Monitoring Services ( " XXXX '' ) located at XXXX XXXX XXXX N.E, XXXX XXXX XXXX XXXX WA XXXX, made alarm subscription charges which I disputed and I requested that the subscription be cancelled. 

When I disputed the charges, XXXX assessed three {$50.00} 'dispute ' charges and a {$500.00} 'collection ' fee, sending a collection letter ( attached ) through Fidelity Information Corporation ( XXXX XXXX  XXXX Phone : XXXX XXXX, CA XXXX XXXX ), demanding payment of {$840.00}. 

The total subscription charges in dispute total {$190.00}. Additionally, XXXX has applied {$150.00} in 'dispute ' charges and a {$500.00} 'collection ' fee, or {$650.00} total, added to the {$190.00} to equal {$840.00}. 

I have attempted in good faith to dispute the subscription charges through the proper dispute process via XXXX  XXXX XXXX. When XXXX sent the collection letter for the {$190.00} subscription charges plus {$650.00} in dispute/collection fees, I filed a XXXX XXXX XXXX ( " XXXX  '' ) complaint ( ID XXXX ). 

XXXX refused to provide XXXX  XXXX XXXX and Mastercard information regarding the {$190.00} in disputed subscription charges, stating in the XXXX  complaint response, it is not their 'policy ' to respond to Merchant disputes. 

XXXX made an offer to settle during the XXXX  dispute resolution process to 'waive ' the {$500.00} 'collection ' fee but that the remaining balance is due and owing. This offer was rejected and a counter offer, requiring the dropping of the {$150.00} 'dispute ' fees and paying {$69.00} of subscription charges. XXXX rejected this offer and stated they are proceeding with collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Global Corona pandemic and Navy Federal credit union REFUSED to release my COVID-19 stimulus payment! After 2 frustrating calls to their call center explaining my XXXX son and needed the funds release for food, a supervisor NAMED XXXX RUDELY HUNG UP ON ME before falsely accusing me calling her lier ; ALL ON THEIR RECORDED LINES!! 
After the first rude disconnection and her ( XXXX ) refusal to release my funds into my account ; I called back requesting another supervisor to collect names and chain of command complaint contact information. 
Coincidentally, XXXX answered the second supervisor escalation also! Unaware she was THE RUDE/CURT supervisor whod previously hung up on me before identifying herself ; Id asked her to check previous digital call log and provide me with names of parties involved. 
She proceeds and then confirms she was the RUDE/CURT supervisor whod disconnected!! 
XXXX went on to falsely give me inaccurate time stamps of the previous call, which I brung to her attention and reminded her the call was being monitored ; and that Id never called her her lier as shed accused!! 
XXXX then falsely claims shes being badgered ; I then asked if she was XXXX as situation didnt warrant any other plausible reason for her refusal to do her JOB!!! Which was to release the pending funds into my account. XXXX then rudely hung up on me AGAIN, leaving my XXXX son and I HUNGRY!! I wish for call logs to be reviewed and XXXX to be FIRED FOR DISCRIMINATION!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I am lodging a formal complaint hunter warfield inc. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$250.00}, which i have no clue about because i never recieved a dunning notice before warfield reported on my credit reports, which is a violation of the fdcpa/fcra. debt collectors must send a dunning notice before reporting which gives the person 30 days to dispute validity. not one notice from warfield, not even a phone call. i am in the process of purchasing my very first home for my family and i. now im being told this collection account is holding me back from my dream house. i am requesting immediate deletion of this account from my credit reports. better business bureau, and attorney general complaints will be filed if this account isnt deleted. thank you for your time.

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 2020-05-27 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I am lodging a formal complaint against aldous and associates. This debt collection company has been reporting derogatory info on my 3 credit reports for a debt in the amount of {$110.00} which isnt mine. i have never recieved a dunning notice from this debt collector which gives me 30 days to dispute validity of debt. which is a violation of the fdcpa/fcra. debt collectors must send dunning notice to consumer before reporting. i have lived in XXXX XXXX  at the same address for over 17 years so theres no way i recieved anything from them, not even a phone call. i am in the process of purchasing my very first home and im being told by my realtor that this errounous account being on my credit reports is holding me back. i am requesting immediate deletion of this account from my credit reports. XXXX, and attorney general complaints will be filed next if account is deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX doesn't work for processing the new Economic Impact Payment Cards being sent out by the US Government.

FISERV and Money Network dropped the ball. 
I received an EIP debit card in the mail yesterday. 
I called XXXX to activate the card and assign a PIN - no problem. 
I registered as a new user at XXXX. Got a dozen different emails about Login ID and passwords with no real problems until the final step : The system said I would be sent an email with a validation code that I would have to enter before I could go any further. The email with the code never arrived. I went to bed. 
The next morning, 8 hours later, the email arrived with a 5 minute window for use. 
I missed the window. Tried again - same thing. 
I called customer service. They said " The system is broken - we don't know if it will ever be fixed. Try going to your bank. '' Folks. if the government is going to partner with a XXXX dollar service company they ought to at least get some assurances that the systems will be tested before sending out XXXX XXXX debit cards. 
ACCOUNTABILITY!

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 2020-05-27 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: CA

Complaint narrative:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: CA

Complaint narrative:
I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/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 2020-05-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RCS Recovery Services, LLC
State: MO

Complaint narrative:
I have been paying on this account for 3+ years ; they refuse to tell me the balance on my account. I have made multiple phone calls ; they never answer. I did speak to XXXX on the week of XX/XX/XXXX ; she did give me her number to resolve the issue ; now her number is not in service and still did not get my balance. Last year they did send me a statement with an extra XXXX on the balance stating that is how much you will owe if you are a day late with any payment ; I have never once been late. 
They hold onto my payments for more than 30 days ; and I have no way of communication with them. I just want in writing the right amount that I owe, not if I'm a day late but the real amount I owe. I have tried repeatedly to resolve this issue to no avail.

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 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX  WILL CLAIM THIS IS DUPLICATE LIKE THEY DO WITH ALL COMPLAINTS SO I WILL NOT INCLUDE THEM. When things open back up I will follow up. See attatched FTC IDTHEFT case XXXX CONFIRMING NO ACCESS USAA & XXXX XXXX  TO NO AVAIL. ** I followed all Government Guidelines for FRAUD ON ACCOUNTS TO NO AVAIL. NEITHER BANK FOLLOWED STATUTES for FTC ID THEF. Banks do NOT!! Banks do NOT PROVIDE ACCESS to my XXXX XXXX & XXXX XXXX  XXXX. What are the WEB ADA GUIDELINES? ( What Watchdog Agency oversees ADA Access to Financial Services On Line?? ) WHAT ARE ADA ON LINE LAWS TO PROTECT? TODAY 'S World IS ALL ON LINE. XXXX PEOPLE MATTER!! ( ** USAA & XXXX  HAVE A FINANCIAL RESPONISBILITY TO PROVIDE ACCESS. ) I Request USAA & XXXX  SEND SPECIFIC ( everything needed to hook up ) INSTRUCTIONS FOR ACCESS. ie What tech EQUIPMENT is required? What ADA tools Available for Access XXXX XXXX XXXX? Please send to my home address on file. WITH BRICK & MORTOR STORES GONE IN NEW AMERICA XXXX NEED NEW ADA LAWS ACCESS ON LINE GUIDELINES FOR ACCESS TO ALL FINANCIAL SERVICES. Able Bodied Work from Home Citizens Now Scream for Access XXXX HAVE BEEN DENIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
I started getting garnishment for a debt from 7 years ago that I would not remember anything about, I wish these debt lawyers would try to contact costumers before just out of the blue start garnishment especially if its a debt you dont even know you owe. I dont see it on my credit report so how would someone know. Now there garnishment with interest so now Im paying triple the amount, this should be illegal and not to mention its a pandemic so its a struggle right now just to eat. Talk about taking advantage during this pandemic that shows a lot about this company!! Shame on 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 2020-05-27 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: DC

Complaint narrative:
XXXX XXXX. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 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: DC

Complaint narrative:
UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I started getting garnishment for a debt from 7 years ago that I would not remember anything about, I wish these debt lawyers would try to contact costumers before just out of the blue start garnishment especially if its a debt you dont even know you owe. I dont see it on my credit report so how would someone know. Now there garnishment with interest so now Im paying triple the amount, this should be illegal and not to mention its a pandemic so its a struggle right now just to eat. Talk about taking advantage during this pandemic that shows a lot about this company!! Shame on them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Synovus Bank
State: MD

Complaint narrative:
I opened an account with first progress credit card company in hopes to repair an fix my credit. Since i have had this card i have paid my bill on time and weeks before my bill is due and they continue to hold my payment saying that the bill wasn't paid i show on my bank statement that the money was taken out, i recently paid my bill on XX/XX/2020 showing it shows on my bank statement and up unitl now it has not been posted to my account even after i spoke with a representative telling they received my bank statement that i faxed over. Its now XX/XX/XXXX and there has still been nothing done to fix this situation with first progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I opened a savings account, acct # XXXX, on XX/XX/2020 with the promise of a {$200.00} bonus for opening the account and funding it with {$25000.00}. I did this and then Discover Bank returned the deposits to my other banks. They deposited the {$200.00} bonus in my account on XX/XX/2020, but then I got an email to call the bank on XX/XX/2020. They closed my account and stole the {$200.00} bonus from me even though I completed their requirements. 
I would like your help in getting my {$200.00} bonus that I earned and they stole from me. 
Thank you kindly, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 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: WEICHERT FINANCIAL SERVICES
State: NY

Complaint narrative:
I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : NAVIENT XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I have had a loan with XXXX1st Associates over 4 years, and I have had issues since the beginning. I have paid my loan on time every month, and I have done so without autodraft. On XX/XX/XXXX, I submitted my payment 3 weeks early, and I noticed that another payment was drafted from my bank account on XX/XX/2020. I called on XX/XX/XXXX, and I was told that I had signed up for autodraft and that my payments would be taken on the XXXX of each month. I told the representative that I had never signed up for that, and, even if I had, I had already paid the payment for XX/XX/XXXX weeks early and they took another payment on the XXXX. I requested that the payment be reversed and returned, and I was told it would take up to 2 weeks. Still have received nothing, and I have contacted this company several times since. No reply. Last year, I sent in a total of 5 payments and asked that they be applied for the next 5 payments. I was told that was fine, then received a bill for the next month. When I called, they told me that they did not apply them the way I requested, and I was just out of luck. This has been the norm for them. I have emailed them and told them not to autodraft anything from my account. I am sure they will try, and when my bank refuses per my instructions, they will try to charge an returned check fee. I am paid ahead by 6 months, but they still try to take more. I can not even get a copy of my payment history and it is not available on their website. I have asked for that several times.

Company response to consumer: Closed with explanation