vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: NY

Complaint narrative:
I began receiving calls from Franklyn Collection Services regarding a {$64.00} - that's {$64.00} overdue bill from XXXX. I have never had an account with XXXX nor do we use XXXX services. I have kept an account for 28 years with XXXX. The calls were numerous daily, and I was threatened if I did not pay they would attach a collection to my credit accounts. I repeatedly asked for a copy of the original contract for this account and claim. I spoke with XXXX and they ad no info. I wrote to the collection agency requesting same, They have placed a collection on my account - for {$64.00}. One credit reporting agency removed it. XXXX   investigated and responded that the claim was legit even though I can't get a hold of a contract, This bogus claim is in violation of multiple laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
From XXXX XXXX to XX/XX/XXXX I have several uncompleted transactions from cash app the money was sent and receive but cash app hold it and refuse to completed the transaction I have called and email cash app from the app and from email in several occasion problem not resolve my bank can not help me cause they do not see any deposit from cash app cash app only deposit a few transaction to my checking not all XX/XX/XXXX from XXXX XXXX {$150.00} not completed, XX/XX/XXXX XXXX {$500.00} not completed, XX/XX/XXXX XXXX XXXX XXXX {$500.00} not complete, XXXX XX/XX/XXXX {$500.00} not completed, XXXX XXXX XX/XX/XXXX {$500.00} not completed XXXX XXXX XX/XX/XXXX {$1.00} not completed total of {$2100.00} for XX/XX/XXXX For XXXX XX/XX/XXXX XXXX XXXX {$30.00} XXXX XXXX XX/XX/XXXX {$35.00} not completed XXXX XXXX XX/XX/XXXX {$21.00} not receive XX/XX/XXXX XXXX XXXX {$20.00} not completed, XXXX XXXX XX/XX/XXXX {$20.00} not completed, XX/XX/XXXX XXXX XXXX {$50.00} not completed XX/XX/XXXX XXXX XXXX  {$150.00} not completed XX/XX/XXXX XXXX XXXX {$150.00} not completed XXXX XXXX XX/XX/XXXX {$40.00} not completed total of {$520.00} for XXXX all together will be {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I submitted a complaint to the FCC ( Ticket No. XXXX ) re a Company I have been paying on a recurring basis by credit card from USAA FSB. This Company has yet to respond to me or the FCC. My only remaining option, or leverage, is to stop paying them in hopes they will respond and resolve my complaint. 
To that end, I contacted USAA on XX/XX/2020 and asked them to no longer honor the recurring payment. The gentlemen I spoke with ( XXXX ) was extremely courteous and understanding of my problem ; but said they could not honor my request. He further said there was no facility for doing so and once I gave a vendor my credit card info they could submit, and have honored, charges into infinity. My only 2 options are to dispute charges after the fact or to cancel my card and start over ( a move requiring considerable time, effort and possible  issues with my credit. ) If, according to XXXX I had set up a debit card for the payments, then I could suspend or stop same. He could not explain why one but not the other. I have been with USAA for approx. 53 years. 
Through XXXX I, according to him, registered a complaint to USAA but would not necessarily receive any feedback, answer or resolution.??? 
It is inconceivable to me that I can't, through the issuing institution, stop recurring payments on a credit card. Even if I'm willing to pay a fee ( similar to a stop payment on a check ). 
Hope you can help me with this. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: GA

Complaint narrative:
XX/XX/XXXX charge entered incorrectly over XXXX Card was swiped and NetSpend declined the charge yet placed a hold for the total amount I had available at the time {$1300.00}. 

XX/XX/XXXX contact with Merchant advises they do not show a hold or any funds for me yet NetSpend still has funds pending. 

Now XX/XX/XXXX NetSpend is charging overdraft fees however the funds that are pending would cover it if they would release the hold that they denied. I have paid cash for the product already.

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 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I watch my XXXX XXXX score to see why it went down 40 points. I went the to see that the is a collection from XXXX of {$120.00}. I have an account with XXXX and I always pay my debts. I called XXXX and they have no records that I have any type of debt. I called XXXX as well and they have no records of debt. 
I would like to know why there is a collection in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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: MD

Complaint narrative:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in BK Case XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have contacted the CRA many times regarding this XXXX error. I won my lawsuit against the company and they still have it as negative on my account as a charge off and that is incorrect. I do not owe XXXX any money in addition i sent them the court documents with the judges signature. They are purposely affecting my credit report as they are being paid by XXXX to not have it removed. As per the paperwork the judgement amount is XXXX. Meaning i do not owe. I sent this information via certified mail as well. This is at least a years worth of damage. I plan on suing the credit report agency if they do not remove this negative XXXX account off of my credit report. As this financial issue has a negative burden on my life.

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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have been living in the XXXX since XXXX after spending the previous 8 years living in the US. Someone has fraudulently used a Capital one card in my name and incurred many fraudulent charges this year in XXXX while I have not been in the country. I registered these charges as fraudulent, but I have since incurred interest charges through missed payments on the Fraud, that I obviously am not liable for. I have requested on XX/XX/XXXX to close the account and investigate the charges. it is now XX/XX/XXXX and the charges have not been removed and I am still incurring charges, effecting my credit rating in the USA. I have called multiple times and have been passed from department to department, making it very difficult to speak with the correct people. The last time I called I was directed to 'collections ' to try and have me pay the fraudulent balance. Capital One have not done anything to resolve this situation and I find myself calling them daily many months after the original request to close the account and clear the balance was made. I can verify that I have not been in the USA in XXXX and can not possibly be liable for any of the charges made in my name. I am finding their service both ineffective and hostile to resolving problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
XX/XX/2020 I had a fence installed for my dogs. XXXX XXXX XXXX was the installer ( XXXX ). The recommended Mariner Finance ( XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TN XXXX XXXX ). The problem Ive had almost from the beginning has been a late charge of {$29.00}. The loan was conditional on my giving Mariner access to my checking account so they would be able to withdraw the payment each month. This was supposed to be set up in the very beginning. I ended up spending a considerable amount of time on the phone month after month. I was repeatedly assured that it was set up correctly. Last week I received a text telling me that I was late making the payment. This meant that there would be yet another late charge. As I mentioned previously the loan originated on XX/XX/2020. To date I have been billed 5 late charges of {$29.00} each for a total of {$140.00}. Im a XXXX veteran with health concerns that include XXXX XXXX. Calling the local branch and their headquarters in XXXX, Maryland ( XXXX ) has proven to be a complete waste of time. Im expecting that this has happened to others and a quick search on XXXX   verified this to be true.

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 2020-08-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: MD

Complaint narrative:
I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.

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 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Optima Advocates
State: LA

Complaint narrative:
I signed up for help with Optima Advocates 2 and half years ago, XX/XX/2018. I paid them for their services and for two years I have to beg and plead for some kind of update on my case. I get a generic response from some guy named XXXX XXXX. Every other person I spoke to has left the company. The director and underwriter do not answer emails or voicemails. Calling goes straight to voicemail and no response to voicemails or calls returned. It's been two years and my credit is destroyed and I can't get a response. Don't give these people your information. They take advantage of people with student load debt. They try to take out loans in your name without your permission. This company is fraudulent to the core, promises to help but makes you pay UP FRONT. BIG RED FLAG! Do not give them your money!!! I lost {$5000.00} in all this.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-24 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
Hello, I have had an ongoing issue with GM Financial during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and GM told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. GM was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to GM. Therefore, GM has not received the payoff but were notified and has been updated again last week. GM ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: LA

Complaint narrative:
I am a federally protected consumer and AFNI has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: AR

Complaint narrative:
Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XXXX XXXX to get a correct statement on  tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe TransUnion and XXXX as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA  standards.

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 2020-08-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since  they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my  employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has not received the payoff but were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX and maybe XXXX and Equifax as well ( I will have to check ). They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit score again and this information is not reported correctly by FDCPA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: CT

Complaint narrative:
This company is operating in predatory practices and its operation is more analogous to the practices of a loan shark! Unfortunately, as a recent XXXX student, I was put in a predicament that forced me to either apply for this particular loanor be homelessand I chose the former. Within this timeframe that I applied for the loan, I was working and anticipated to pay back the loan before the loan terms indicated. However, a global pandemic called Covid-19 happened to the world. Shortly after, I was laid off from work and was unable to get a job for months. As such, it made it extremely difficult for me to pay my bills, rent, and expensesincluding to Personify Financial. 

When I gain employment, I made a total payment of {$3000.00} for a loan in the amount of {$4700.00}, and currently, Personify has only applied {$360.00} towards my principal and {$2600.00} towards the interest of this loan. The current interest rate is 93.50 %, at this rate ; by the time this load is paid off, Personify would profit close to {$15000.00} or more on a {$4700.00} loan. Of this {$4700.00}, I was only issued {$4500.00} because I was also charged another fee before the money was issued. Even with all my efforts to pay this ridiculous loan, my outstanding balance remains at {$5200.00}. This amount includes the {$3000.00} that I have paid to this company.

Personify Financial is nothing short of a loan shark. This is a predatory loan. It is unfair and unethical. This company needs to be under investigation for its immoral practices. To add insult to injury, this company preys on the most vulnerable population, those who are in desperate need of survival. Living in a country where you must decide whether to buy groceries or pay your bills. The XXXX XXXX XXXX XXXX act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. Further, XXXX XXXX XXXX should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I had a lease with Hyundai Motor Finance. Lease payoff was completed in early XXXX. As of today XXXX the amount is still showing as uncollected on my credit report and adversely effecting my credit rating. Have tried reaching out to Hyundai and am being told I have to follow up with a letter, no email, no phone number to dispute the charge. They acknowledge they have been paid and have not updated the report. So now I have to take the time to write the letter, mail it, and wait several more weeks for this to be completed while my credit report is lower because of this.

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