vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
PAM ACCT # XXXX : Requested data previously sent from Professional Account Management , LLC ( PAM ). I was repeatedly receiving debt notices, no longer from NJ XXXX, to whom I paid what was due via an XXXX XXXX credit card. I called XXXX NJ, as I have a Pennsylvania XXXX. The charges were incurred in early XX/XX/2019. I was extremely ill in XX/XX/2019 during that time, and was only able to get my mail sporadically. I was advised that the date I paid XXXX was late XXXX of 2019. PAM claims my file has already been transferred to PAM. My first bill from PAM was for {$400.00}. I explained this debt had been paid, but PAM asked for documentation. This agency, which handles all of New Jersey 's delinquent accounts, has no fax number, no email address, and only one phone number. I forwarded the documentation, and I have requested the contents of the entire file. When I received correspondence back from PAM a month later, the amount due was changed from {$400.00} to {$200.00}. 
When I called to get an explanation, I was advised that the payment was late, and therefore, four late fees in the amount of {$50.00} each had been assessed. I asked why the NJ XXXX operator took my initial payment, and had not included notice of the late fees. PAM did not respond to this inquiry. I believe this agency is either illegitimate or preying on consumers, and I respectfully request assistance in resolving the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
This is a complaint against Santander USA that should be off my credit report nothing to do with the other complaint I just put in. Santander was a repo back in XX/XX/XXXX why they are not off my credit it has been long enough and they don't own the car that was report I want Santander removed from my credit report!! It's got a ton of mistakes on it I have XXXX  that I pay for and XXXX! This is bull I was not included in the XXXX XXXX dollar settlement? They were charging me back in XXXX 22.75 % interest rate and it was a term for 74 months at a whopping XXXX $ a month it's old they don't own the car anymore? They put XXXX charge offs on my credit I have worked hard building my credit I one wants to help me look into this? Please help me. This was from XX/XX/XXXX thru XX/XX/XXXX and they don't own the car a ymore?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: OR

Complaint narrative:
Our bankruptcy attorney never submitted a reaffirmation of the debt of our mortgage to the bankruptcy court. Our mortgage company , The Money Source ( TMS ) did not approve the reaffirmation and send the form in time to get signatures or get it to the court. TMS is on the XXXX coast and we live on the XXXX XXXX, it generally takes 7 days for First Class mail between the XXXX coasts. TMS sent the form on a Thursday and the court ( XXXX miles from where we live ) XXXX our bankruptcy on the following Monday. Even if the form was sent overnight, it would not have reached us in time. TMS 's lack of response to our inquiries, this reaffirmation issue and now this third regulatory complaint has caused us to suffer in our ability to repair our credit and will cost us higher interest rates for years because they state they are unable to report our perfect payment record to the 3 credit bureaus due to no reaffirmation. In seeking new legal advice we were told our bankruptcy case can not be revisited in court. There appears to be no legal remedy so it is up to TMS to resolve this issue. In our last regulatory complaint TMS responded in part with a letter showing our perfect payment record. We have asked for some remedy in the case that an attorney does not perform their legal duty as TMS claims and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
On XX/XX/2021 a vehicle was purchased at XXXX XXXX in XXXX, Alabama. The amount advertised was {$18000.00} and the amount financed is {$19000.00}. By the time I will be done paying for the vehicle, I would have paid {$38000.00}. I have reached out to the company via mail to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
id have purchased an item on XXXX and paid with my debit card from capital one banks already explained them that for some reason my walmart store credit card also was charged, they must know is the same bank and same people with XXXX  whenever i gave permission, but they didn't helps was told to submit proof, they have proof on my statements since they were working together, i could provide because was not my fault and i would not be paying for other services like going to make copies of my statements and send them because i can't do that, but they do have acmes with my permission to acmes to those statements CAPITAL ONE BANK and CAPITAL ONE WALMART STORE CREDIT CARD, whay they did not do the right thing and compare statements while they were investigation,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I contacted XXXX, XXXX, and Transunion with accounts on my profile that were not verified or accurate. To date, neither of these bureaus have done an adequate investigation and are requiring me to send additional information to them. 

This complaint is where the additional information will be presented and should be used to process the removal of these inaccurate accounts that are under my profile.

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 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am a victim of identity theft. I have previously informed XXXX that I have never done business with them. XXXX XXXX  removed the account from my credit file and now XXXX XXXX has sold an account in my name to JEFFERSON CAPITAL SYSTEMS. The XXXX XXXX account was opened as a result of this identity theft. I am attaching letters from other companies regarding my identity theft issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. I have been trying to file an unauthorized wire transfer and Chase has not allowed me to file the claim nor provide me with the paperwork to do so. They are violating every right I have as a customer and are going against their companies policies. Transaction Reference Number : XXXX Date of Transaction : XX/XX/2020 Amount of Transaction : {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
Debt paid to hospital, Medi Credit Violation Hippa Laws, used Dr Name from another service and could not validate debt, my EXPLANATION OF BENEFITS DID NOT SHOW owed Dr name used. I contacted hospitals to verify debt, paid debt. MEDI CREDIT THEN proceeded to put paid debt on my credit because I didn't pay them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was trying to buy a house and my trans union credit score randomly dropped 83 points due to a credit card balance transfer. I thought the trans union site would be the best place to resolve this problem with trans union that did not occur on XXXX or XXXX. Once on the website transunion.com I was directed to create an account. I thought this was normal, but then it asked me to enter a credit card. It did not disclose what the credit card was for, but it did not appear to be selling any thing, there was no service or price apparent anywhere so I assumed the credit card information was for identity verification. I created an account only to find that not only was I charged {$24.00} I was subscribed to a monthly service that would charge me every month for {$24.00}. How could this be? How could the entity that determines if everyone in the country is credit worthy use deceptive and crooked business practices and not be held to account for them. I cancelled immediately, but could not erase the initial charge. There is something very wrong here that should be investigated. Trans Union can not be both the arbiter of who is credit worthy and robbers who trick people with deceptive business practices. XX/XX/2021

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is a car company that I financed through called XXXX XXXX XXXX. To make a long story short, the car was repossessed. Shortly after I received a letter from XXXX stating the balance that I owed on the vehicle. It was strange because the letter didn't show when the vehicle was sold, what date, etc. It just had the debt that was allegedly owed. So I requested that XXXX XXXX show proof that the debt is valid by sending me the invoice of resale for the vehicle. According to XXXX  law, they have to sell the repossessed vehicle in a commercially reasonable manner. XXXX refused to send me the proof. I disputed this with all three credit bureaus. XXXX  and XXXX  removed XXXX from my report but Experian continues to report the debt inspite of my numerous disputes. Experian is now at this minute reporting that I have 38 charge-offs with XXXX XXXX XXXX. They are even reporting that I owe XXXX over XXXX more than what I paid originally for the vehicle. This is obviously inaccurate because I made payments before the repossession and they " allegedly '' sold the vehicle. So my balance wouldn't be higher. Experian is also refusing me the opportunity to dispute online claiming it is for security reasons. I dispute items online all the time with all three bureaus and never had a problem before. A year ago when I talked to a representative concerning my dispute, he refused to put my information in verbatim. He was asking me questions so he could re-word my answer. As a result my dispute was not resolved. Just recently I reported that an account by XXXX XXXX for consumer energy was paid and Experian still reported it as a debt. Bottom line this company is not doing there due diligence to investigate these claims. I believe they simply tossing a coin to waste time and then reporting it's accurate. This type of negligence should be investigated and it will not tolerated.

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 2021-02-15 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: DISCOVER BANK
State: IL

Complaint narrative:
I received a letter from Discover threatening me with a lawsuit for unpaid debt. Due to the COVID pandemic I have been laid off from work and surviving on unemployment benefits and support from relatives and friends. I have mentioned this to Discover but they are still pursuing this legal action against me. 
I kindly request to look into this matter. I can be reached on my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to CAPITAL ONE AUTO FINANCE to notify them that I have found fraud. I have sent them an affidavit of truth along with billing statements and an invoice with violations of a protected consumer according to The Truth In Lending Act ( TILA ) and the FDPCA ( Fair Debt Collection Practices Act ). They have violated several consumer protection laws which include 15 U.S.C. 1692a ( 3 ), 15 U.S.C. 1692b ( 2 ), 15 U.S.C. 1692c ( a ), and others. I have sent documents via certified mail and have received confirmation that it was received XX/XX/2021 Pursuant to 1692c ( c ), I have legally refused to pay the debt I am invoking my status as a creditor and my specified remedy as to a creditor, and pursuant 1692c 1 I'm advising them to terminate all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I realized that my Wells Fargo debit card was missing. Upon checking my Wells Fargo accounts I noticed several unauthorized transactions on my both my checking and savings account that were made using my debit card. I called Wells Fargo immediately to report my lost debit card and report the unauthorized transactions which totalled {$5800.00}. They canceled my missing debit card, issued a new debit card and filed my dispute claim for the unauthorized transactions. On XX/XX/XXXX I received a call from a Wells Fargo claims investigator who told me that since my PIN was used with the debit card to make the disputed transactions they considered the transactions to be made by me or authorized by me. When I asked to appeal the decision because I did not make nor authorize any of the disputed transactions I was told the decision was final and I could not appeal it. A few days later I received a letter from Wells Fargo stating that my claim was denied because they considered the transactions to be authorized since they were made using the debit card with the PIN.

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 2021-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I have this company or collections agency damaging my image, prohibited my me and family from buying or renting property, my life is in danger because it's putting a strain and stress on my life .Credit is all I have.I tried to contact Wakefield & Associates 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX  3.These 3 collections companies have damage my credit and personal. life I would like those Items Deleted from my credit report Immediately. From All 3 Credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is supposed.to give my tax.documents by by XX/XX/XXXX, .and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Please delete the 2 negative accounts from navy federal opened around XX/XX/2020 because they were opened fraudulently. Under the FCRA section 605B these unauthorized accounts must be deleted within 4 business days due to identity theft.

I have filed a better business bureaus complaint and a FTC complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: STERLING BANCORP
State: GA

Complaint narrative:
While trying to Call XXXX XXXXXXXX XXXX XXXX one afternoon during the last week of XXXX, I concurrently received a call from intake specialists XXXX ( XXXX ) then XXXX ( XXXX ) of Sterling National Bank. I submitted an application online for personal loan to take care of medical Bills that had gotten out of control, amongst other things. They initially offered me a 5 year term loan for XXXXusd at 3.4 % interest. The payments were to be {$90.00}. 

They assured me that the loan would definitely go through and not to worry bc I was pre approved. I was then escalated to a Senior loan officer named XXXX XXXX XXXX XXXX ) / ( XXXX ) whom also promised to put the loan Into my account with XXXX XXXX located in CA. For some reason or another, due to a suppressed Credit Score, the Loan had to be escalated to another officer in the Accounting Dept named XXXX XXXX ( XXXX ) ext XXXX Who promised to fulfill the loan as promised. 
Sterling National Bank main- ( XXXX ) Unfortunately, there was no follow through and I never did see any loan credit to my account at XXXXXXXX XXXX in CA. 

The company activated an PPI in house insurance that was XXXX $ then charged an upfront fee of {$370.00}, then an ACH Fee of {$470.00}. 

For whatever reason, the Merchant that sits above the XXXXXXXX XXXX  in CA was blocking the funds from being deposited, so I was left with no other option than to call the bank and attempt to put SNB on the phone, however SNB refused to speak with XXXX so that we may better understand why the loan proceeds would not deposit. 

They then wanted to charge an additional {$400.00} to process a XXXX XXXX, however, I refused to comply bc I felt that the funds should be sent and then paid for.

I have made several inquiries with SNB and no one, Not XXXX XXXX, not XXXX XXXX has returned my call. I've sent several text messages as well to no avail. 

The Senior loan officer said the loan was preapproved and there would be no issue. 
It seemed that these calls kept coming my way while I was on pursuit with XXXX XXXX. 
There was never a loan issued despite the preapproval.

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 2021-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: MI

Complaint narrative:
We are trying to get our mortgage modified but they want money up front. My mortgage has been bought and sold so many times, I'm not sure who holds the note. I am disabled, I put {$100000.00} down on my home. Now they tell me my home is worth {$80000.00} less. I need help. I want to keep my home, we have been here 20 years. Just a payment to fit my ssdi. They do a modification, bam my payment goes up. No help, should I sue these companies? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: NV

Complaint narrative:
XX/XX/2021 Clarity Services Inc States I requested a credit freeze on my credit report. I have never heard of this company until this. I never requested nothing from this company nor can they provide any documents me agreeing to any of there terms or agreement.

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 2021-02-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I returned items to XXXX in XX/XX/2020 I noticed that I was charged again for the items. I returned I provided Synchrony Bank the returned receipt via faxed and they continue to give me the run around stating I didnt provide it when I called customer service they said they see it my claim has been closed and re-open multiple times. They still have reported this amount to the credit bureaus have not credited my account pending investigation per letter it states. They have had more than 60 days to get this resolved.

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