vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I contacted Portfolio via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
SYNERPRISE is claiming that I owe them {$410.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contacted XXXX via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I contacted LVNV to offer a settlement. I called the customer service number sent to me in the complaint response. However, after 45 minutes on hold, I never got to an agent. I would like to offer a settlement of {$600.00} for the XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/20, through the complaint process with the CFPB, I reported and reasserted to Wells Fargo Bank that fraud was committed on my closed checking account. I provided all of the information that I have regarding the matter, including my account number, the dates and amounts that were stolen to the extent possible, and what I believe happened. Wells Fargo Bank has yet to address the issue. They should have began an investigation at that point, and should have completed their investigation within ten days. If they needed more time, they should have informed me of such a decision in writing. I have provided the information to them in writing as requested on several occasions. I would like to know what their determination is, how they made it, when they made it, and ask if they have followed Federal Regulation E regarding this matter. I would like my rights under Regulation E to be enforced. I believe Mr. XXXX XXXX would be the contact at Wells Fargo. This matter should have been completed no later than 45 days after I made them aware of the matter. It has 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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have two accounts both were suppose to be given hardship help, they did one but the rep never filed the other. We did not know and when we got our bill and no relief so my wife called I am XXXX at first they allowed her to help me but after they made the mistake refused to talk to her, so I paid what I could each month. Sent them a certified letter to stop calling and ruining our excellent now horrible credit because of one card. We paid what we could they refuse to help now charged it off and we can't pay anything. Afraid of what they will do next I have sent two certified letters My husband is sick and we own nothing but one vehicle and afraid they will take it and we have no way to get medical or food. 
We want to pay always have but with COVID needed help. We pay all out debts and want to resolve this but they refuse to work with my wife. I have XXXX XXXX XXXX and XXXX they now won't let us even try to pay. 

Thank You We are in Dire need of help. I have no problem talking with them through my wife but they just kept calling for the entire amount due which became a nightmare as they charged late fees and interest rate not reduced as they said. The enclosed documents explain in detail what they have done and what we have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted a dispute with experian XX/XX/2021, experian did not respond until XX/XX/XXXX which means their response has been over 30 days. I tried to dispute and experian refused to remove from 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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collections submitted a item on my credit report from an original company by the name of XXXX XXXX XXXX for the amount of {$270.00}. I've had health insurance coverage for over 10 years ( XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX ) with no lapse or any issues. I never receive any form of communication from the medical professionals that I've seen nor communication from this company in regards to this outstanding debt which I firmly believe is fraud. During this pandemic it seem to be a lot of fraudulent activities and I believe I am a victim of this horrible activity. I've disputed with all the credit bureaus and the results have not changed nor removed from my credit report. I am asking for any assistance in this matter will be greatly appreciated. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: IN

Complaint narrative:
American Coradius International LLC is trying to collect a XXXX debt of {$860.00}, which is a fee that I never incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
American Honda Finance account has been closed since 2011 and still appears on my credit report with inaccurate information. The account was paid in full in XX/XX/2011. I've disputed this several times with XXXX  and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect a PayPal debt of {$860.00}, which is a fee that I never incurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/2020 I the federally protected consumer entered a consumer credit transaction with an open-credit plan and have been using the vehicle for household and personal use. As Bridgcrest credit company is the extention of my credit extended back to me the original creditor. Using my social security card they were fully paid at the start of the transaction, using my social security card. They don't have nor can provide me with the original contract for this alleged debt. Anything purchased using my social security card which is under the administration of the United States Corporation. They are responsible and liable for, that's why the alleged statements come in the positive balance and you can't pay on a positive balance. They are a ambiguous debt collector furnishing deceptive forms in this corporation and need to be legally accountable for their actions as a debt collector. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to the Truth and Lending Act or else I will pursue federal litigation 's if needing the re-enforcements on the facts of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021 someone withdrew {$800.00} from my bank account. I took the steps I needed to take such as filing a claim with Bank of America and verifying my identification with EDD. My identity has been verified but for weeks Bank of America has not sent me any communication about my stolen funds. Since this incident, I have been put into debt because Bank of America does not give me the credit that is due to me. I have called the bank multiple times but they offer no help. They have frozen my account and I have not received my {$800.00} that was stolen from 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 monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/2020, I contacted XXXX : by Goldman Sachs that there were unauthorized transfers being made from my savings account. While I was on the phone with them these transfers were taking place. They stopped one transfer and recommending closing the account. They transferred what was left in the account to my local bank. They transferred me to the fraud department who would begin an investigation into the transfers. They asked me if any of the transfers were made by me and I reiterated that I had made no transfers since opening the account. 

They assigned claim number XXXX to the investigation. There had been almost 40 trial deposits and transfers of less than {$1.00} made by the people testing the account from XX/XX/XXXX through XX/XX/2020. 

I would like to know the results of claim XXXX and what was done in reaction to the over {$23000.00} in illegal transfers from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX Suntrust withdrew XXXX without notification this made my account to be overdrawn. I was told they send me a letter stating they have placed this amount into my account 30 days prior for CO-VID relief and that in 30 days they would retrieve this amount. If I would have been notified I would have never accepted this amount. This amount was placed in my account without my knowledge. I ask Suntrust to give me copies of letter/emails has they told me they had send me and as of today 's date no copy of correspondence as been given to me. I have spoke to two supervisors On XXXX and was told nothing could be done. I called Atty General office XXXX XXXX was told to write it and send it in band call Consumer Finance spoke with XXXX and she advised the steps I needed to take. On XXXX I went in person to the branch to speak with a branch manager and was told an open investigation was open and I would be getting an answer via the correspondence of the emails/letter I was requesting of how the money was deposited and was going to be taken away from my account. The lady that help me by the name of XXXX XXXX. She was very unpleasant stating to me how can a person live without checking a bank statement. I told her I was not there for scolding me if I check bank statement or not I was I was there for the simple reason why and where was the correspondence allowing them to retrieve XXXX which was going to put my checking account overdrawn and they are going to get a lot of overdraft fees that I did not myself did and this was a scam for them to take all my money something that I did not do. As of today XXXX already my SunTrust account is XXXX overdrawn for not having the funds into my account. Money they took out without my knowledge without my consent and this is how the banks live of poor people with overdraft fees not made by me but by them. It was not nice for them to placed money on an account that was not overdrawn and by themselves made this account overdrawn to make overdrawn fees to take my money to pay SunTrust. To say they are helping people for COVID. If you notice Suntrust stated my account was overdrawn in the thirty days my account was never overdrawn.

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 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I contacted this company to settle the debts. I was told that they would contact the financial institution and get back to me. I have not heard from them and i received another letter in the mail with the wrong debt amount. The new balance is much higher. This account is closed and was charged off last year. There shouldnt be any new interest. The first time I received a collection bill was around XXXX of XXXX and the amount was {$3800.00}. The most recent bill was receive on XX/XX/XXXX and the amount was {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX REPORTS INACURRATE STATUS abd has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX in violationof FCRA, UDAAP, and FDCPA. I have no contract with PRA. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. THE DATES OPENED ARE INCORRECT. Experian and XXXX  refuse to open consumer investigations into these actions. 

XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18

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 2021-02-17 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Fay Servicing LLC took over my 13 year old Mortgage in good standing in XX/XX/XXXX. My Loan has at all times remained current. I am in the 4th year of a 5 year payout Chapter-XXXX, the home is not part of the Chapter-XXXX, payments are not made through the Trustee, I pay them directly. Fay Claims I am at least 3 payments past due and has filed a Motion For Relief in NC court, where the home is located. I have furnished proof of all payments including bank statements going back to XXXX and canceled checks showing deposit in to Fay 's account. My bankruptcy Attorney is trying to sort this out, but Fay 's Attorney insists we are past due, even though he has been furnished proof of all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Student loan — Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: V and H Portfolio
State: VA

Complaint narrative:
Account was opened XX/XX/XXXX. Thats when the calls started. They called 15 times a day from XX/XX/XXXX until XX/XX/XXXX. Before the hours of XXXX, after XXXX on weekdays and weekend calls have also been noted - totaling 120 calls between XX/XX/XXXX and XX/XX/XXXX. These calls can be directly linked to the company due to the fact vanchuffman came up on the caller ID. On XX/XX/XXXX a dispute was opened to state that this amount was incorrect, that the original balance was not being reflected on what Vance and Huffman claimed they were owed. The consumer reached out to resolve this issue only to be disrespected with abusive language and threats - with no validation received. My understanding is calls cant happen after a dispute is opened ( strike 1 ). They never validated the debt or reached out to the consumer via letter to validate after the consumer asked ( strike 2 ). They have unlawful business practice and extortion techniques ( theyre impersonating a law firm to try and appear as legitimate ( strike 3 ).

Company response to consumer: Closed with non-monetary relief