vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Dept collection attempt made by " National Credit Systems Inc., in the amount of {$410.00} '' Debt belongs to ex husband. I asked for proof that debt belonged to me. They declined to provide proof and said it was information provided by the leasing company seeking payment. I contacted leasing company and received a copy of the " lease holder modification '' form they have on file stating I left the leases legally and with nothing owed. Employee of the debt collection agency refused to allow me to send a fax or email, stating I could send proof in the mail at cost to myself. 
Also agent stated the " final notice '' I received was the second attempt at contact. The first attempt was confirmed verbally by agent as sent back to sender for wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021 I tried to redeem XXXX Barclay Rewards points for {$75.00} in cash back rewards to my credit card or bank. However, as of today, I have not received this amount. I escalated the issue a few weeks ago to " XXXX '' a customer care manager, who gave me a case number : XXXX. My rewards points docket still shows that the order is " in process '' yet it's been over 6 months now.

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 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint falsified to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX that I did not qualify for a covid modification because my loan was more than 60 days past due on XX/XX/XXXX. 


I spoke to XXXX XXXX and the representative said that this means 2 payments. I was not more than two payments delinquent on XX/XX/XXXX. Yet, Shellpoint is playing games with my payment history and the confusion about 30 days translating into one payment. 

Background only on how we got here.-I successfully completed a trial modification that Shellpoint withdrew for unethical reasons because I paid the amount on their statements that differed with the offer letter. Then, Shellpoint falsified to XXXX XXXX that I did not make all three trial payments. Shellpoint was supposed to have sent me an approval letter on XX/XX/XXXX according to my single point of contact XXXX XXXX. But, he said his superiors, in which XXXX XXXX is his supervisor, overruled him and asked for another trial modification. Shellpoint claimed it was what XXXX XXXX approved, but XXXX XXXX said the decision as 99 % Shellpoints and XXXX XXXX had not been given the facts favorable to me. But, Shellpoint has mischaricterized what happened as though I failed to comply with the terms of the modification when in fact Shellpoint sent me different modification amounts on my official monthly statements, which I paid. I asked for clarification and Shellpoint refused to provide it. - End Background

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I contacted AMERICAN CREDIT ACCEPTANCE four times prior to filing my complaint with CFPB in an attempt to resolve my concerns and have received a response via mail as of XX/XX/XXXX with them denying all allegations in my complaint. Due to this I am moving forward to file my complaint. 

It was brought to my attention that AMERICAN CREDIT ACCEPTANCE violated several of my constitutional rights and went against The Truth and Lending Act protacal. I pointed out a few violations specifically pertaining to 15 USC 1662 and 15 USC 1605. I purchased my vehicle XX/XX/XXXX from XXXX using AMERICAN CREDIT ACCEPTANCE as my finance company and was told for them to finance the vehicle I was required to put down a {$1300.00} deposit and I would be required to pay monthly installments of {$430.00} after running my social security number and I extended my credit to their company. AMERICAN CREDIT ACCEPTANCE did not provide an option for including liability coverage within the finance charges at all. I was advised to look for my own coverage through a third party. I sent AMERICAN CREDIT ACCEPTANCE a written letter and email informing them of the violations according to 15 USC 1662 and 15 USC 1605 and asked for {$1000.00} per violation mentioned totaling {$3000.00}, payment for insurance premium charges for the full term of my 72 month finance agreement totaling {$14000.00}, refund of my {$1300.00} deposit, and I asked for my vehicle loan to be voided and the title of the vehicle to be mailed to me. AMERICAN CREDIT ACCEPTANCE has refused and is taking no accountability for their actions even with me detailing how they violated so I am reporting their faulty practices. It is completely unfair for companies like ACA to take advantage of people for their own benefit. I extended my credit and their company was able to sell my completed application for the total cost of my vehicle plus finance charges so they have been paid yet they want to be greedy and take even more money from me because they think they can and think no one will stop them. I hope this complaint will get me some resolution and cause them to change their future procedures. What I have requested of them in payment is minimal compared to the damages they have done to millions of Americans thus far. According to 12 CFR 226.2 law and 15 ISC 1637 AMERICAN CREDIT ACCEPTANCE owes me and I expect to receive full payment, for them to void my loan, and send me the title to my vehicle as requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have mailed letters to all XXXX credit bureaus & a direct letter to GLA Collections asking for documentation to validate this supposed medical debt. I only receive bureau mail that states it has been investigated and verified? Nothing from GLA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: UT

Complaint narrative:
I applied for a loan of {$300.00} online and it took me to speedy cash. I was told that the loan would be in my account in XXXX hours this was in XXXX XXXX XXXX It took them a week to get it to my account. And they were taking payments out even on days they shouldnt. I had someone call me from speedy cash and ask for a payment and I gave it to them and so they could make sure who I was they asked for my social security number and I gave it to them. Well next thing Im getting a call from my bank saying there was a transaction of XXXX on my account and even XXXX which I didnt have. I told them it was me and the payments too place in Texas I was in Utah. They got there money and then some. Now my social security number has fraudulent activity on it because of these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - late closed- XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION
State: MI

Complaint narrative:
Oportun XXXX, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: NC

Complaint narrative:
I have been covered under XXXX XXXX since 2019. I should have never been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have an account with PayPal credit and I made XXXX payments, {$300.00} on XX/XX/XXXX and {$840.00} on XX/XX/XXXX. Then I received an email stating my account was part due. Thats when I discovered I made the payments to the wrong account. I called PayPal credit and they said if I proved the payment was made, they would credit my account. So the bank did that, XXXX times now. On XX/XX/XXXX, I made the payments again {$300.00} and {$840.00} to avoid fees and charges. It has been XXXX months now and the bank has given all information to PayPal credit they requested XXXX times. They assured me I would get a refund but instead of tracing the payment by the trace number, they are using the amount abs they keep finding the XXXX ones because its in the correct account. They provided a phone number to call but its a number that keeps saying they are closed no matter what day and time you call.

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 2021-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
The Bureaus is reporting that I owe a debt to the Credit Bureaus. I have reached out to the Bureaus on several occasions and continue to be lead down a rabbit hole with no live person to discuss and resolve my concerns. Upon calling the Bureaus there is no one that answering the phones and I have repeatedly called over several weeks. I finally emailed and received a response. In the email i was informed that " XXXX XXXX XXXX '' was handling my file on behalf of The Bureaus and was advised to call a number provided to me by the representative. 

After calling the number several times. I ran into the same situation as phoning the Bureaus, there is no live person to talk to, a machine continuously picks up messages are not returned. Also, after inputting the requested information according to the prompts, I received a message that there was no information that could be found at this time and to phone back at a later date. 

I have paid and settled all past accounts with XXXX XXXX and am requesting that The Bureaus immediately delete and cease reporting to the Credit Bureaus. There is no accountability from this agency to pick up the phones or return calls to discuss concerns. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2021, I received my Equifax consumer credit report. I disputed a account that is a CHARGE-OFF account from XXXX XXXX NC XXXX XXXX A CHARGE OFF CAN NOT REPORT AS A ( type of account ) - OPEN ACCOUNT. A CHARGE OFF account is a closed account!!! This is inaccurate reporting and must by DELETED. A CHARGE OFF CAN NOT have a BALANCE. It's a charge off ( meaning ) it has been charged off when XXXX XXXX filed taxes. Therfore XXXX XXXX must report a balance of XXXX as the LAW REQUIRES! That's XXXX inaccurate errors. I HAVE ATTACHED THE MOST RECENT CONSUMER REPORT AND HIGHLIGHTED THE INACCURACIES. Equifax is violated the Fair Credit Reporting Act 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person SHALL NOT furnish any information relating to a consumer to any consumer reporting agency if the creditor knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. DELETE THIS ACCOUNT FOR REPORT INACCURATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Claim : 1. No statements received between XX/XX/2021 and XX/XX/2021 2. Believed was paying pursuant to my card agreement 3. No access to online statements because card was canceled 4. American Express sent charge card account to XXXX XXXX XXXX XXXX, an outside collection agency, at an alleged forty- two ( 42 ) days past-due on or around XXXX XX/XX/2021 a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 5. Spoke with XXXX representative on XX/XX/2021 regarding not having received bill a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 6. XXXX filed a billing error notice with American Express ( in writing ) on my behalf on XX/XX/2021 a ) American express acknowledges receipt of notice in XXXX XXXX Letter in response to CFPB XXXX 7. American Express did not cease efforts to collect on disputed amount a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX 8. Billing Error notice should have also triggered a direct dispute under XXXX XXXX XXXX 9. American Express did not notify me of their findings a ) American Express circumvented an investigation by having XXXX verify the current address XXXX : 1. No effectuation of notice via periodic billing statements between dates identifeid in claim 1. 

2. American Express did not investigate reasons for non-receipt of bills a ) acknowledged by American express in XXXX XXXX XXXX in response to CFPB XXXX XXXX 3. American Express continued to bill and report negative credit history to CRAs without an investigation into reasons for billing errors ( non-receipt ) a ) acknowledged by American express in XXXX XXXX Letter in response to CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient allegedly transferred my student loan ( Account # XXXX ) to XXXX. A payment is due XX/XX/2022. However, XXXX has not contacted me in anyway. XXXX and Navient refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since Navient and XXXX can't get their act together, I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
The company filed a forcloser on me over a year ago and I hired an atterney to dispute the XXXX XXXX the company requested a dismissal of the case but the judge is still waiting on the final closer of this case.during this time the company has reported false information on our credit reports.This company has received more than fair amount for the loan but now refusses to give me a lean release .My atterny has given them until the XXXX of XXXX to give us the lean release.They in the mean time are reporting us as 30 days late on a closed account every month .I have documents of a letter written by them ststing they wouldnt report on our credit but they have been reporting me to this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021, I wrote a check to a business in the amount of {$250.00} for shower repairs. The check was written using a checkbook supplied to me by my financial institution, USAA. On XX/XX/2021, I was contacted by the business regarding the check. The check returned unpaid by USAA. Due to the check being returned, the I had to pay a {$25.00} returned check fee to the business in addition to the {$250.00} charge for services rendered. The account had ample funds to cover the check and there was no reason for USAA to not honor the check. 

I contacted USAA by phone on XX/XX/2021 to obtain information as to why the check was not honored and to request reimbursement of the {$25.00} returned check fee that I had to pay due to USAA not honoring the check. I called multiple times, spoke with multiple parties, and ended up on the phone with them for hours. 

I repeatedly offered to send them a copy of the check to research. In addition to not providing any information about the check, including not providing any information as to why it was not honored, they refused to reimburse me the {$25.00}. According to USAA, they will NOT reimburse any returned check fees that are not USAA initiated. I repeatedly explained that I had to pay a returned check fee because they failed to honor a check that should have been honored. They again stated they are not responsible for any returned check fees EVEN IF the returned check fee is due to their failure to honor a check that should be honored. 

I have no answer as to why they refused to honor the check and I had to pay {$25.00} due to their failure to honor the check. Despite this, they refuse to reimburse me for the charge. I confirmed that the information ( routing/account number ) on the check is accurate so I am at a loss. 

I am from a military family and I have always praised USAA. I have also worked with them for several years in a professional capacity. I am truly saddened by how poor their customer service has become and that they refuse to reimburse clients who are out funds due to their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation