vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX I made a payment of {$400.00} on my Bank of America Credit card. On XXXX XXXX interest charges of {$77.00} was applied to my account. I received a statement and on XXXX XX/XX/2020 I paid the balance in full of {$9700.00} of which the due date was XXXX XXXX. On XXXX XXXX I received a statement with interest due that was applied on XXXX XXXX on a zero balance. No purchases were made on the account from when the last interest charge was made only payments. I contacted the customer service on XXXX XXXX who refused to remove the charge.

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 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Since the XXXX email dated on XX/XX/XXXX item # XXXX, I have received harassing emails titled DEMAND FOR PAYMENT in red letters. 
That states : Dear XXXX XXXX, This demand is from the office of ACE Cash Express. On or about XX/XX/XXXX you cashed the check identified below at our place of business. However, upon the checks deposit and presentment, the XXXX XXXX refused to honor payment. 
XXXX : UT XXXX XXXX XXXX Check No : XXXX Check Date : XXXX/XXXX/XXXX Payee : XXXX XXXX Check Amount : XXXX Reason Dishonored : SP Returned Check Fee : XXXX Total Amount Due : XXXX Since we have been unable to reach you, we request that you contact us immediately at XXXX to resolve this matter. 
Sincerely, Ace Cash Express On the same day and within minutes, I returned an immediate email that stated. 
I will take LEGAL ACTION against ACE Cash Express. You are contacting the WRONG PERSON! I have NEVER entered an ACE Cash Express facility in XXXX. I dont have to use your facility to cash a check ( my checks are direct deposited ) and ( I dont work and never worked for the Maker/Drawer listed in the email ). 
Again, ACE Cash Express has contacted the wrong person and it is demanded that you Cease and Desist! 

After my response, I have continued to receive harassing emails on XX/XX/XXXX, XXXX, and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  - This account is involved in litigation. This account is being disputed for the reason previously stated.

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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I purchased a XXXX XXXX XXXX in I believe XXXX or XXXX and financed it with Santander Consumer USA. I attempted to make arrangements with them to make payments because I was having difficulties making my payments. They weren't willing to work with me and the car was repossessed, I believe in XXXX or XXXX. I was not notified of the public auction or the whereabouts of my car and they didn't provide me with an inventory of the contents of my car. I had to make numerous phone calls to locate my car and when I went to get the contents from it, there wasn't any list and the contents were in plastic bags and had been already gone through. I didn't get any information about the repossession of my automobile until after the public sale of my car. It didn't provide the location of the public auction. 

This entry was reported to the credit bureaus as being a repossession but it was successfully removed because the steps for the repossession were not followed according to CA XXXX XXXX. It is now being reported on my credit report as a XXXX and it is showing a balance owed of {$11000.00} which is incorrect. I disputed this with the credit bureaus and Santander then renewed the date on it and when I go into my account with Santander it is showing totally different information. It is also more than XXXX XXXX XXXX and should be removed from my credit report. Santander Consumer USA is a horrible company to work with and they are also have harrassed me in the past while I had the car by calling constantly ( more than 3 times per day everyday until I requested that they stop contacting me. What can be done to correct this and to get this XXXX removed from my credit reports as soon as possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

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 the loss of credit rating and also I have insurance that covers 110  % of my medical bills and visits so there is no way that I will have any medical debts and they are just double charging the insurance company and asking for more money which is a clear violation

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 2020-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have been a victim of identity theft, and have had multiple accounts opened under my name and social security number since 2014. I have provided Portfolio Recovery Associates, LLC with a fraud affidavit XXXX per their request ). I have even gone as far as obtaining an attorney, due to Portfolio Recovery Associates, LLC making threatening and harassing phone calls to me and even my FRIENDS & FAMILY about a debt that is not legally or rightfully mine. Portfolio Recovery XXXX failed to respond to several notices within 30 days per the FCRA. Portfolio Recovery Associates, LLC has blatantly broken the law and violated my rights!!! Per my previous attorney, a XXXX by the name of XXXX admitted via telephone that Portfolio Recovery Associates, LLC received ALL notices sent to them via mail, and failed to meet the required deadline to provide SUFFICIENT VALIDATION on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section XXXX of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the bureaus to dispute some negative accounts that happened to be reported on my credit report. As it turned our, we dispute the accounts on XX/XX/2020. It has been more 45 day, and I have yet to receive anything in the mail. Please note that, according to section XXXX of the FCRA, the bureaus are required to investigate, process, and respond to my inquiry. I am in the process of obtaining financing, but due to some of these inaccurate accounts, I haven't been unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX  of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This company XXXX XXXX  has been calling me every day XXXX or XXXX times a day. I submitted a claim before and they stop calling for about a week or so and now theyre doing it again. They are trying to collect on a debt from 2002. Way past the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My loan was sold to SLS, Specialized Loan Services. I see they already violated RESPA order. I have tried to make payments to them since they got my loan and they have rejected my payment in full several times now. I am receiving foreclosure notices. I have made over 50 phone calls to them and no one knows why my checks are being mailed back. I verified mailing address, account number and everything The refuse to have a supervisor call even though I have requested 5 times

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 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
The account in question in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was sick with XXXX  I tried calling to defer the payment and could not reach anybody at US Bank. When I was well enough to work I did make the payment immediately.

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 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke to a representative regarding a final loan payment on my account balance of {$1100.00} which I found out the payment was used towards another loan that I have with this company. The representative XXXX stated " that is the way it is done when you make a payment it goes to all your loans ''. So, there was nothing he could do about it. I asked to speak with his supervisor XXXX, who reiterated there was nothing they could do. But since I have been such a good customer, he could remove a mere {$5.00} of interest charges that had been applied. I feel like I have been deceived and this company engages in false practices. I am reaching out to you in hopes that you can assist me and be made aware of this company 's practices while doing business in the State of California.

To explain further, I have a total of three loans promotional plans with this company. Each loan has its own promotional pay off date. My first plan ( dated XX/XX/XXXX ) however due to the covid-19 I called and spoke to a female representative ( name unknown ) in XX/XX/XXXX and was granted a 90 day extension. 
hence providing me with a new promotional pay off date XXXX XXXX in the amount of {$1100.00}. However, this company applied {$68.00} to another plan pay off date ( XX/XX/XXXX ) and {$140.00} to another plan pay off date ( XX/XX/XXXX ) which left {$950.00} towards the loan that I called in to pay off and they state that because the {$1100.00} was not paid off in full I still owe them {$230.00} for which I was not aware of nor told by the representative when I called in to make that pay off payment. 
Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted Experian by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. I submitted this request on XXXX and it was received by them XXXX. It has been over 30 days and I haven't received any updates and the disputed information still remains in my credit file. The first company listed on my dispute letter was XXXX XXXX XXXX XXXX, which was deleted. The second company is XXXX XXXX XXXX which is listed on my report twice in which Experian has not provided any contract between myself and XXXX XXXX XXXX as requested. The third company is XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX as requested. The fourth company is XXXX XXXX XXXX in which Experian has not provided a contract between myself and XXXX XXXX XXXX as requested. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information in my file.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: NM

Complaint narrative:
On XX/XX/2020 I reached out to Lexington Law by phone to inquire about their services. I was asked for a debit card or credit card in order to 1 ) verify my identity and 2 ) begin the process of determining if their services could help me. While on the phone with the Lexington representative he texted me the terms and conditions and I needed to text back with a reply of 'YES ' or 'AGREE ' which I DID NOT DO. I read the terms while still on the phone. I then informed the rep that I was not interested in pursuing this mainly do to the fee they were asking. 
Today, I checked my credit card statement and noticed that I was charged {$120.00} on XX/XX/2020 for services that I did not authorize. I have already contacted my credit card company and cancelled my card. However I was warned that this may not be enough to prevent further, unauthorized charges by Lexington Law.

I have been unable to reach a live representative of Lexington Law in order to terminate my subscription. When I call and press '0 ' for a live rep I am placed on hold for about 5 minutes and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I closed an account with XXXX several years ago. They attempted to bill for a device that was not revieced quick enough. I resolved the issue with XXXX management but the account was still turned over to collections. The first collections company contacted XXXX after I made them aware of the full situation. They removed the account from my credit immediately. It has since then been passed on to several different collections companies who all contact me and place the account on my credit report. The latest company refuses to remove it or to contact XXXX for the correct information.

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Email from XXXX account for National Credit Adjuster Skip to content Using XXXX with screen readers Meet Start a meeting Join a meeting 3 of 21,450 FINAL WARNING Inbox x NATIONAL CREDIT ADJUST XXXX Tue, XX/XX/XXXX, XXXX PM ( 19 hours ago ) to me Dear : XXXX XXXX , We have given you every chance to resolve this matter outside the court house but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment, we have turned your account over to our attorneys and instructed them to commence suit without further delay. There is still time, however, to avoid suit if you pay settlement amount today. This will be your final opportunity to resolve matters without the expense of court proceedings. 



At this time your case file has been marked as a primary suspect, so at this time if I send you something in a writing its defamation of character, as well as it was mentioned in the contract paper between you and the company that if a person is failing to repay loan in a stipulated time period, then the company is not able to send you any kind of written documentation, FDCPA rules and regulation under the section us law [ 15 USC 1692c ] 805 ( b ) you need to check it out or you can also ask for any federal attorney.

3 Hard allegations have been pressed against your name and your all information.

1. Violation of Federal Banking Regulation.

2. Collateral Check Fraud.

3. Theft by Deception. 



Financial and personal contact information are current per our skip trace. 

Personal information regarding this account obtained with a recent skip trace : Debtor : XXXX XXXX SSN : XXXX DOB : XX/XX/1980 Drivers License : XXXX Bank name : XXXX XXXX XXXX XXXX. 

Account number : XXXX Routing number : XXXX We are prepared to proceed with legal action. However, our company would prefer to give you one last opportunity to make payment and avoid legal action. 





If you take care of this out of court then we will release the clearance certificate and we will make sure that no one will contact you in future. 



Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. 



Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you, Sincerely, NATIONAL CREDIT ADJUSTER, I'm not interested.I am not interested.What is this about?

Company response to consumer: Closed with explanation