vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
This debt that NATIONWIDE RECOVERY SYSTEMS Ltd is trying to collect a debt from us that purchased this debt from another company ( 3-4 X 's ) .... XXXX XXXX, XXXX XXXX, XXXX & now we have Nationwide trying to collect it. We paid this debt in full ; the amount of {$1000.00} Date of service, XX/XX/XXXX, Original service provider, XXXX XXXX XXXX and have proof of that on both credit card statements, XXXX XXXX XXXX XXXX XXXX and canceled checks. We sent this information to XXXX and they removed it, called Nationwide today XXXX and they stated that they never received any information from any of the previous collectors??. On XX/XX/XXXX we faxed to XXXX recover system fax number XXXX. It came off of XXXX  and XXXX  for one year, then re-appeared?? Are XXXX  & XXXX  clueless, We also asked for the original invoice, date of service, line by line services and provider from all collectors and guess what, NEVER received it.. XXXX XXXX XXXX in XXXX is the original provider ... Florida and have yet to see it. We will file suit in Florida Court System and let a Judge decide!!! Looks like fraud, Need to call XXXX XXXX and see how many other debt collectors are out their are trying to scam unsuspecting individuals in the US.  Welcome to ask to get more info XXXX Would like to get the feds involved in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: ME

Complaint narrative:
I have spent months trying to transfer my lease. In my contract its says lease transfer is an option. My local dealership I bought it from suggested swap a lease a third party company that helps you find a buyer to take over your lease. 
I paid the fee and have found 5 buyers. Mercedez-Benz financial refuses to initiate the transfer or even give a timeline when they will .they claim its because of of covid : when in fact they are selling and rolling leases over. They are just not complying with what is in my contract. They also have been taking to court several times prior to covid for this same issue. After months and several people saying no. I then after stating I seemed legal advice was able to atleast get a special consideration for this transfer : mind you its not a special consideration its in my contract! They are clearly breaching and violating my second amendment right! I have stated and given proof of buyers and they have caused each one to no follow through. I will continue this legally if not resolved and I lose this most recent buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In a conversation with American Express, the representative threatened me that if I closed the account and re-opened it at a later date that it would " ding '' my credit score. I asked him to pause and asked if he was threatening me and he tried to change the subject. I do not believe that a company should threaten their customer 's like this. There are credit reporting agencies that make these determinations and it is impossible for an issuer to know how any one particular act may influence any consumer 's credit score. This seemed very obviously a veiled threat to not close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account was open by an unknown person has has stolen my documentations.in 2013 my wallet got missing in a bus.in the missing wallet was my XXXX XXXX, social security card, drivers license, XXXX   id and my bank debit cards.i reported the missing documentations to the police and a police reports was issued.i mailed copy to the bank of America several times.i also followed up with calls but they refused to removed the item from my account.and this is affecting my credit 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 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
The provided address of SCA Collections registered agent, is fictitious. A deputy tried to serve a summons on XX/XX/2020 and reported that the address does not exist.

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 2020-08-19 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG 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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
cfpb Consumer Financial Protection Bureau Capital One Attn : Disputes XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX : Capital One Venture Card This complaint centers on a {$10.00} cash advance fee along with {$0.00} interest charged as a result of using XXXX XXXX on XX/XX/2020. No where available to the consumer is any information disclosed that would give the consumer foreknowledge that using a company like XXXX XXXX will result in a Cash Advance Fee along with interest. I am seeking both an investigation and fines against Capital One and pecuniary damages payable to me for violating consumer protection laws which no doubt they have done to thousands of other card holders. 

Capital One was phoned on XX/XX/2020. XXXX ID XXXX customer service supervisor was questioned regarding this charge. Over one hour was spent discussing the right to make this charge as well as where it was disclosed in advance that such a charge would take place by using this type of merchant. Here is an excerpt from this phone conversation. 

Capital One Venture Card ending in XXXX See attached screen shots Interest charge cash advance fee Question : Where in your Rate and Fee Information or anywhere else on your website does it disclose that use of merchants of this type will result in a cash advance fee? 

XXXX XXXX : Its not there! 

Question : If it is nowhere to be found by the consumer what gives you the right to make a charge against my card without first disclosing the reason I will be charged? 

XXXX XXXX : We apologize but you could have called first. 

Rhetorical Question : What would make me think I should bother with a call when there is no information available anywhere in print, online or that was mailed giving me any reason to believe this transaction would not be treated like any other transaction? 

Here is how this is going to work. You can either reverse this charge along with the interest and make this go away like it never happen or I will file a formal complaint with the Consumer Financial Protection Bureau. Do you realize they have the authority to impose fines on companies that break consumer-protection laws? I can assure you that by the time I am done with this its going to cost Capital One a whole lot more that {$10.00}. So can we settle this amicably? 

XXXX XXXX : Sorry there is nothing we can do. 

Response : Really, well that may be true of you but its not true of me! 


A verbatim transcript of the entire conversation is available on request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I got a update on XXXX XXXX and Experian saying I had a credit inquiry from XXXX and I never signed anything or applied for XXXX. Its fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG 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 2020-08-19 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: TN

Complaint narrative:
I HAVE DISPUTED THESE ACCOUNTS AND THEY HAVE YET TO REMOVE THEM OR PROVIDE ANY PROOF THAT THEY BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
Hello, In 2017 I purchased a house using a FHA loan. Upon moving into the house we discovered many issues that were wrong with the house. After further investigation and inquiries on what I could do I found that the house failed to meet the MPS on HUD 4150. Example is the 18 between the floor joist and ground level. Per the appraisal the house had adequate spacing but that was false. The picture of the crawl space in the appraisal clearly showed dirt up to the hoist. This discovery along with others including a septic system that was not functioning properly, duct taped plumbing that resulted in vile smells in the house and foundation issues including discovering that parts of the house were being supported by rocks and dirt. Guild Mortgage company approved the appraisal and it resulted in financial and emotional issues with the house. The cost of the repairs and services done to the property within the three years has totaled to {$20000.00} and counting. The house is continuing to settle and cause damage throughout the house that will require more contractor expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: TX

Complaint narrative:
Good morning CFPB, I have attached a report, that can be open, to dispute items that are appearing on my credit report with Experian that are either not mine or are inaccurate. 
Experian is claiming they can not open the attached file and is instead sending me a mailed report so start a new complaint with that report. 
There is no need to do that because I have the most recent report, I have already specified which items I am disputing, and the complaint has already been assembly. 
Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a reason such as the one given to me on my closed CFPB complaints numbers XXXX and XXXX submitted on XX/XX/2020. 
Experian is not be properly being regulated to ensure consumer protection, since that have such a brazen response on consumer complaints. 
Please help. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In late Fall XXXX there were fraudulent charges to my Macy 's credit card. I reported the fraud to Macy 's and was told not to pay the balance, that Macy 's would take care of it. Macy 's did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called Macy 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and Macy 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from Macy 's. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter Macy 's sent me. I called Macy 's to inquire as well. Macy 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax Macy 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have tried for over one year to get Shellpoint Mortgage Servicing to cease any further foreclosure action against my home. I have cleared out all collections against me personally, and I have gone through several financial set backs including medical issues that are now behind me. However, Shellpoint Mortgage Servicing keeps coming back to me stating that XXXX XXXX will not consider a modification of my mortgage, even though I have well over {$200000.00} in equity in my home. I along with millions of American consumers have been dealing with the Covid-19 Pandemic, working from home to keep my job. I have resolved dozens of financial issues that an average person would have filed a Chapter XXXX bankruptcy on. I need the help of the Federal Deposit Insurance Corporation to intercede in a foreclosure that simply is not warranted. The FNMA rules are antiquated, and there must be other measures that can be incorporated since the Covid-19 Pandemic. Shellpoint Mortgage Servicing must reinstate my mortgage with the requested modification. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I requested that Professional Debt Mediation provide me with competent evidence that I have any legal obligation to pay them. As of XX/XX/2020 I have yet to receive any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: IL

Complaint narrative:
Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are 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 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website XXXX on XX/XX/XXXX and XX/XX/XXXX. 
The transactions in question are coded in Bank of America provided statements as follows:XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX The creditor ( Bank of America ) has failed to acknowledge the dispute, but kept sending unable to process inquiry letters despite the fact I have timely disputed both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act. 
I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website XXXX to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe. As of this writing, you have not provided me with any communication received from the merchant indicative of merchants position concerning the charge dispute. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: N26 Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are 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 2020-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Cares act Mortgage forbearance States that your credit score will not be affected in forbearance however my Mortgage company ( Carrington Mortgage ) got around this by increasing the amount owed on the loan  stating that the unpaid interest was added to the loan amount increasing the amount of the loan reported to the credit agency 's thus showing a higher debt to income ratio and lowering my credit score. which the cares act states should not happen So I'm being punished if I use forbearance

Company response to consumer: Closed with explanation