vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Accident case # XXXX Badge # XXXX XXXX XXXX lost prevention released charges when car obtained XXXX case # XXXX for report for charge Notified XXXX follow up car XX/XX/XXXX spoke with XXXX ticket # XXXX Returned key on XX/XX/XXXX day of car returnable started accident/incident report in office with worker and he was to fax paperwork in for me XXXX claim # - XXXX XXXX XXXX XXXX department XXXX * XX/XX/XXXX called, incident and impound report # XXXX XX/XX/XXXX spoke with XXXX XXXX  rep # XXXX XX/XX/XXXX spoke with XXXX XXXX rep and he stated the car is not showing as returned case # XXXX escalation and conversation with customer service XX/XX/XXXX billed by XXXX XXXX, XXXX XXXX denied charges spoke with XXXX about the charge XXXX gave me XXXX  reference number for issue # XXXX XXXX supervisor XX/XX/XXXX case # XXXX XXXX Supervisor XX/XX/XXXX drop off date on XXXX  reference number # XXXX XX/XX/XXXX XXXX  charged XXXX on my credit card disputed with XXXX XXXXXXXX, notified XXXX of this charge The XXXX charge is for 5 weeks of having the car miles show only drove XXXX miles XX/XX/XXXX -- XXXX rep customer service billing on phone with XXXX XXXX states I am being charged because the car was impounded ( it was not ) XXXX supervisor at XXXX is saying they are billing me impound fees -- case number # XXXX opened by XXXX supervisor to stop sending request of payments from me. 
Going forward my insurance closed the payments needed for the coverage I had through XXXX and I received a bill in the mail XX/XX/XXXX for XXXX which included my deductible of {$750.00} which payments were set up through XXXX, which a payment plan has been initiated with a downpayment and auto payments set up. 
I just received a bill from XXXX  on XXXX XXXX dated but received XX/XX/XXXX at the same times received a collections notice for the amount of {$4400.00} which if you previously see I spoke with someone and the case number referenced # XXXX initated for a XXXX  supervisor to stop sending request for this amount, which is now through collections which is why I am contacting you because on the back of it says to contact XXXX if any issues Kindly, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I, XXXX XXXX had applied for a credit card known as XXXX XXXX that is issued by XXXX XXXX and serviced by Continental Finance Company on XX/XX/2021. I got denied because of one reason : We were unable to verify your identity. 

I called their customer service number a few times about my current application and their number is XXXX. The customer service representatives told me different things, most of them was very untrained but one of them told me to fax my personal informations directly to the company for review. It have to include my driver license, social security numbers card, and voter registration for proof of address to their fax number XXXX. I already fax them and called them again but they told me they had received but took no action without justify explanations. 

On the online application, I had given them my full social security numbers, name, date of birth, address, e-mail, phone number, and other informations they had requested. I even fax them my social security numbers, driver license, proof of address, and a copy of the reference numbers that is attached to the notice that was sent to me after I applied stating why I was denied.

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 2021-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They cancel your autopay options and then do not notify you of account changes, this has happened multiple times. 

I have the money to pay in my bank account ; I put all the loans on autopay and expect to have the money withdrawn. They will pull a loan off autopay with no notification, no call, email, or letter. 

They want you to go in forbearance so they can charge more interest and fees ; even when making SEVERAL years of on-time payments in full. 

Very dangerous place to pay back loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: OH

Complaint narrative:
Received a PayPal credit card for my wife on XX/XX/21, she has been deceased for many years

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 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$10000.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the XXXX for the past 6 months to ask to please stop calling other people around me. MY neighbors and employers have all received calls from the names, XXXX, XXXX, XXXX and XXXX. 
I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. 

Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. 

At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial and XXXX XXXX have violated laws in trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XX/XX/2020 LVNV Funding LLC. added 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 the 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 written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: FL

Complaint narrative:
Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
Hello This complaint is regarding a bank I use here in XXXX Georgia its called Center State Bank or South State Bank. I lost my job from the pandemic and I have sold just about everything I own and my mother has been helping me sending me money with checks or XXXX. I also have funds getting transferred from small sales I make online. I finally just found work almost a 2 hour drive but I'm happy to have a job again. My mom sent me around XXXX $ XXXX and I thought it transferred instantly and was using my debit card. The bank charged me over XXXX $ in overdraft fees and I'm now in the negative XXXX I've been with this bank for several years and when I called to get help, they told me I was irresponsible and was then hung up on, I talked to several managers that were so unbelievably mean I don't really understand why they would pray on people that are already struggling. I can't even buy food or pay my bills right now because I can't pay these fees and my mother is in the same position we work extremely hard for our money and it's a shame that people are doing this. I'm definitely going to close my account here soon. I know Congress has sent letters to several banks asking them to not do overdraft fees and honestly I'm about at the end of my rope here. I couldn't find a job for months and didn't qualify for unemployment. I don't have any income whatsoever until I start my new job. I don't think they really need the money more then I do. I'm just trying to do the best I can for now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I recieved services from XXXX XXXX XXXX XXXX, Georgia in the amount of {$150.00}. I was referred to XXXX XXXX  XXXX. I paid the entire bill on XX/XX/2020. I have a receipt of the paid bill from XXXX XXXX. I contacted XXXX  XXXX  XXXX  to inform them that the bill was paid. They said they would look into it but never responded to me. XXXX continues to report the bill as unpaid. I contacted Equifax to dispute the bill. Equifax provided me with the I instructions to dispute the bill. I provided Equifax with the information they requested. I recieved a letter from Equifax saying they can not find my file but continue to report XXXX XXXX as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX 29,2021, Feb.01,2021 and XXXX.2021 with no response and it is past the 30 days

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 2021-03-06 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: PA

Complaint narrative:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed. 
The company did not responded in the time allowed so these accounts should be removed.i received notice of receipt on XXXX XXXX, XXXX and XXXX with no response and it is past the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I tried to get my credit score. But it is unavailable and has been for awhile. I checked today XX/XX/21. And was told it's because I am deceased. My daughters can verify that I am still alive and social security can also verify. I really would like to fix this ASAP. I'm thinking of buying a home or car. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: IL

Complaint narrative:
I noiced fraudulent accounts. Please delete them

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/21 we accidentally missed paying our credit card statement in full ( {$3400.00} ). Our automatic minimum payment paid {$35.00} and we were charged the interest for the billing period ( {$65.00} ). 
We realized our mistake on XX/XX/21 and paid the balance in full. At this time we also set up an automatic payment to pay the statement balance in full at the end of each statement period. 
On XX/XX/21 our automatic payment should have paid full statement balance but only paid {$2700.00}. 
Then on XX/XX/21 Chase charged us another " PURCHASE INTEREST CHARGE '' of {$30.00}. 
When we contacted Chase regarding the second " PURCHASE INTEREST CHARGE '' of {$30.00} they said they were " required to charge it to our account '' and would not make any effort to rectify the charge. 
Due to Chase 's unwillingness to rectify the " PURCHASE INTEREST CHARGE '', we cancelled our account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. 
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj

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 2021-03-06 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: IL

Complaint narrative:
I noiced fraudulent accounts. Please delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I had a home mortgage with Loan Depot which I paid off in XX/XX/XXXX. At that time I had an impound account with balance approximately {$15000.00}. As of XX/XX/XXXX I have not received that amount refunded to me. I have made numerous phone calls, spending hours on hold and on the line with Loan Depot. They have acknowledged I have not received the refund, but after repeatedly assuring me a check would be mailed, none has been received. They also struggle to find my loan in the system every time I call because it's been paid off. I've been told I need to speak with the Purged Loans department since it's been paid off, but have been unable to reach them. I've been told that department " doesn't answer their phones. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
ARS sent me a letter with a list of debts that are not mine. I wrote a letter back asking them to validate the debt under FDCP Act including all medical expenses and contract and signature and I believe this is a violation of the HIPPA Act. I have not released any information of releasing any personal medical information. ARS is reporting to my XXXX  and XXXX  reports and it is causing me financial harm. I would like it removed.

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