vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Concerned about : Check XXXX for {$130.00} / Authorized ; Date XX/XX/19 notifying me the check was not paid. Date : Called Bluebird American Express Customer Service. Amount of time on the call : 1 hour and 23 Minuets. 

When I called about why the already preauthorized check was not honored or the amount not paid I was not able to get an answer as to why it wasnt honored. When checks are written with Bluebird they must be preauthorized through Bluebird and a confirmation code written on the check. I did all the things required. 
After talking to the initial agent, I then got transferred to 3 others people and even the customer service supervisor ( listed below ) The initial agent said she couldnt even view the transaction but put me on hold to talk with someone in The Tech Department. She then came back on the line to tell me she had them to return the money to my account. I never told her to do so. My statement to her was that Im concerned about the {$20.00} fee-my utility would charge me for a returned item. I the asked to speak with her supervisor. 
Her Supervisor said the same things about not being able to see the transaction nor the email I received. She then put me on hold and the next thing g I know someone from The Tech Department answered the line. I inquired as to why I was transferred to her. She said she did not know and said it was a Cold Transfer. 
After telling the agent my concerns, he put me on hold to speak with someone. He the came back to tell me several time that all he could see was that the {$130.00} had been placed back into my account on request of the customer-which t told him that I never asked her to do so. He then put me on hold for over 15minutes. The next thing I hear was an agent from the Fraud Department. I refused to again all of her the previously shared information. 
This company has operated with impunity with customers Accor t. The seem to conspire to transfer you from department to department when they cant answer hard questions. 
People /departments spoken with, including the regular agent I first spoke to. 
XXXX ( female ) -Customer Service Agents Supervisor Tech Agent-XXXX  XXXX-Fraud Department

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: GA

Complaint narrative:
Under 12 USC 83 no bank can loan credit. Under 15 USC 1692 when consumer disputes debt a cease and desist from collection of the debt until verified. A request of securization analysis report only to prove the debt owed and proof the credit came from TitleMax and they were not just acting as a trustee to a deceased estate. All responses not done by affidavit only will be rejected as false and default with a notice of settlement for the inducement of fraud by non disclosure of where the money came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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:
On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2019-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
the cash store was notified that I was filing bankruptcy and we gave the name and address and phone number to the lady working there. the company and its corp. began calling me multiple times .I gave them the same information and they continued with the calls .One call I took the person told me that it would be paid bankruptcy or not. you owe it you'll pay it! this was an every day and most times several times a day thing. My stress level was extremely high .I ended up in Hospital 3days I have a call list that consists of16 from XX/XX/XXXX -XX/XX/XXXX and that's not all. They also called my wife 's phone several times and a reference friend was also called several times. My wife was in process of giving information and was hung up on. this is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is currently attempting to commit fraud against me concerning my mortgage. On XX/XX/2019, following an appeal for loan modification, Specialized Loan Servicing extended a modification offer to me for my property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX with the stipulation of timely making 3 modified monthly trial payments beginning XX/XX/2019 with 2 additional payments due on the XXXX  of XXXX and XX/XX/XXXX, which I have now officially and properly complied with. 

Following the written procedures in the trial period modification plan agreement offered to me by Specialized Loan Servicing LLC, I submitted my 1st trial payment timely to the address specified in the amount and form requested according to the agreement. However, the payment was improperly returned to me. After contacting Specialized Loan Services by e-mail to notify them of the error, I then sent a double payment on XX/XX/2019 to cover the XX/XX/XXXX payment that was improperly returned. To my further dismay, the double payment sent timely to the designated address in the proper amount and form according to the trial period modification plan agreement for the 2nd trial payment due XX/XX/2019 was also refunded within 5 days of submitting it. I once again, immediately contacted SLS by fax this time to notify them of the error. Now, a 4th payment that was also properly and timely made that was due on XX/XX/2019 has improperly been returned. 

I accepted the terms of the trial period modification plan when I submitted the 1st trial payment appropriately in compliance with the terms of the agreement which definitely do not include a requirement for funds in the form of a certified check contrary to what one of Specialized Loan Services ' representative attempted to tell me. I do have a copy of the proposed trial modification plan I entered into and nowhere is that a stipulation. They may not retroactively change the terms of the agreement once it has been entered into and payments are being made as requested. As of the date of this letter, I have officially and properly completed the terms of the trial modification period, so the modification must be made permanent. However, Specialized Loan Services is not complying with the modification 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 explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was offered concert tickets via a direct message on XXXX. I completed the transfer using Paypal for {$63.00}. I found out immediately that it was a scam and fake tickets were sent to me. I called XXXX   to confirm. They told me it was a scam. I filed a grievance with Paypal, and they closed the case saying that they were denying my claim. The person to whom I sent the money has not responded to my requests for a refund. The person 's name on Paypal is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
This complaint is based on violations of the FDCPA and the FCRA by the Respondent. 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/XXXX, I disputed the debt directly with the respondent in writing. In my letter, I included the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name and address of the creditor, or the amount owed. 

___ I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ I received the results of the investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they continued collection activity before validating the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.

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 2019-12-26 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: U.S. BANCORP
State: NV

Complaint narrative:
My credit card was used without authorization, there are fraudulent charges on my account, I did not suthorize these charges XX/XX/2019 - XXXX XXXX - {$2600.00} XX/XX/2019 - XXXX XXXX - XXXX XX/XX/2019 - XXXX XXXX - XXXX I have contacted the bank several times, via phone, and sent in the fraudulent charges documentation on XX/XX/2019 and again XX/XX/2019 The bank initially credited my account, then on XX/XX/2019 they have reverse the credits and debited my account without investigating these fraudulent charges. The debit appeared on my account on XX/XX/2019 - they have sent me the documents to be filled out dated XX/XX/XXXX, but I did not receive the documents until XX/XX/2019, which I have returned on XX/XX/2019, but ty this time the debit was posted on my account, and the investigation was concluded. There is no evidence that these charges are valid, there is no receipts, etc .... 
I have been calling the bank weekly since then, sent multiple email messages, but the bank is not responding. Every time I call, no one is willing to discuss the fraudulent charges, and they are telling me that the case is closed. I did not make these charges, therefore, I should not be liable for these fraudulent charges. Obviously, I'm not going to be able to pay these charges. 
I would like these charges to be removed from my credit card account, and the interest charges as well.

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 2019-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Debt not mines. Police report filed. Cleared by XXXX. Somehow still in collections. Need it to be removed asap.

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 2019-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Sent letters to validate if not then remove the debt off my credit report. Send 2 letters. No reply even when I called numerous times, Stating no record was found.

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 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE 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 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, I AM NOT RESPONSIBLE FOR THIS ACCOUNT TO BE REPORTED ON MY CREDIT REPORT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY FILE FOR I HAD NO KNOWLEDGE OF IT BEING ON MY CREDIT UNTIL I RECENTLY UPDATED THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I had credit card account with Discover for almost 8 years. On XXXX XXXX XXXX.19 at XXXX I received email stated they closed my account. I guess its a XXXX XXXX from Discover. I completely paid off my credit card in XX/XX/2019, I had XXXX $ credit line on it. When I call them today to ask why did they close my account, rep stated well because your account was not really active we close it. I did explain to representative that I had tragedy in my family my Mom was XXXX, I went to XXXX with XXXX XXXX, one of the episodes XXXX XXXX XXXX XXXX, I lost most important person in the world! How can you do this to me. Plus I just had the XXXX on my XXXX, Im on XXXX. I was rely on this card to pay my bills. All what Discover representative said, well sorry but your account is closed. They absolutely not human! How they can act with the customers like that?! I just want all Discover customers to know that if you have a hardship Discover wont be there for you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Immediate Credit Recovery
State: ID

Complaint narrative:
On XX/XX/2019 a legal and lawful cease and desist order was transmitted via fax to Immediate Credit Recovery, Inc. Confirmation of said transmittal was obtained. ICR, Inc. violated said cease and desist order on XX/XX/2019 by sending yet another attempt to collect via postal mail. Another notice was transmitted to them via fax informing them of their violation and of there consequent inclusion in any litigation to follow.

ICR is now in direct violation of a legal and lawful cease and desist order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/19 Card was given to car rental company XXXX XXXX as to repair one scratch caused by me. 
XX/XX/19 Charge was made to a merchant whom I dont recognize for {$260.00} Later XXXX XXXX sends me the receipt for the repair charging {$260.00} to repaint bumper AND fender AND reform bumper XX/XX/19 Filed a fraud charge and temporary credit was given XX/XX/19 Charge was reapplied because I gave consent. I did to fix ONE scratch and nothing else. They went and repaired all the damage on the car made by other people too. Case transferred to dispute team. 
XX/XX/19 Dispute team grants temporary credit. I promptly submit a document explaining the story. 
XX/XX/19 Receive a letter saying investigation was not in my favor and credit will be reapplied. I state that its fraud. You cant have person A give merchant B a card and then merchant B uses at merchant C.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA

Complaint narrative:
Report Number : XXXX on XXXX File Account Name : AMERICAN ADJUSTMENT BUREAU Account Number : XXXX Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX They have been trying to collect this debt since XX/XX/XXXX and I have no association with that company, it could be Identity theft or false information. They keep on updating the collection on file and it even comes up as a late payment account. I have tried many months to solve this issue, asked for proof, they sent documents trying to prove and it came up with my information but I have never provided my information over to this company. 
I would like this to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am a XXXX year old XXXX XXXX veteran who was hospitalized in XX/XX/XXXX. I was also laid off work, and needed to get caught up on my rent. I contacted Net Credit to obtain a loan for {$5500.00} in XX/XX/XXXX. 

I was initially made aware of the interest rate as being a little over 16 % APR. I've been making my payments on time for well over a year, and have paid {$5800.00} to date. 

I contacted Net Credit on XX/XX/XXXX to ask about the status of paying off my account, and was informed that I am having to pay over {$11000.00} to borrow {$5400.00}, making the total go well into the {$16000.00} range until XX/XX/XXXX. 
A representative informed me toward the end of my call ( after hearing my distraught ) that I could close out my account that day if I paid {$4900.00}. Also, I was informed my interest is 57.81 % My account number is XXXX, and my name on the loan is XXXX XXXX ( I had a name change after divorce. ) I feel that I was deceived with a predatory loan, as I was not made aware in plain view, up front, of the amount I would have to pay to borrow money. Had I have known that I was going to be forced to pay three times the amount I was trying to borrow, I would have sought assistance elsewhere. 

I am working in law enforcement now, and am considering filing bankruptcy to resolve this issue. I would really appreciate some help with this, and I can prove that I have paid more than I have borrowed. I do not want this company to do this to others.

Company response to consumer: Closed with explanation