vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2020, I received a collections letter from XXXX dates XX/XX/2020 in regards a bill from XXXX XXXX XXXX XXXX in the amount of {$52.00}. I never received a bill from the creditor. I received another bill from the creditor and paid it. I checked my insurance records and I do not show this amount due. Im furious to receive a collections letter and never receiving a bill if I even owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an account with PayPal and PayPal credit. I get my statements emailed to me each month, and pay the " balance needed to avoid fees ''. I recently received a statement with a late fee of {$39.00}. I pay directly from my bank, XXXX to PayPal. XXXX shows that it takes two days to process. I went online to check my PayPal account, and searched my transactions going back to the beginning of the year. There are no late fees posted on line. I called PayPal and reviewed my statements and PayPal has been posting my transactions a day after the " due by date ''. They blame the bank. 

The reason for my complaint is that I check my transactions online. They do not post late fees online, only on the physical paper statement which I don't check. I know this is my fault. I reviewed the account statements with the customer service representative and it turns out four times this year my payment was posted a day late and I was charged a {$39.00} late fee on four separate occasions. None of these late fees appear on my PayPal activity. Had they posted the late fees online, I would surely have seen this. 

While I take full responsibility for my actions and not checking my paper statement each month, the fact that they knowingly do not post these fees on my online statement activity leads me to believe that this could be a large problem for many other people. 

I feel that this is a fraudulent attempt by PayPal to charge fees that their users who rely predominantly on " on-line '' statements will not see.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
So on XX/XX/2020 at XXXX I was approached via offer up customer that wanted to buy my tablet I was selling and he told he he would give me more then I asked for so I asked for XXXX and he was gon na give me XXXX and well he told me he would pay it thru XXXX so I was like okay thats fine and I then I received a message from XXXX saying that I needed to send the tracking number so I did and then he asked me to give him XXXX dollars because the shipping that I payed was less then he expected so I did that and well it seems odd to me cause I would only receive emails from the suppose XXXX but on my XXXX app it would notify that that theres a pending transaction so it seemed sketchy to me But I trusted the guy and wel then the email texted me saying in order to credit my XXXX account they I need to send the buyer XXXX to make my account a business account In order for them to procces the money the buyer owed me so I did that trusting in the situation but then they hit me with the next day that I needed to send the buyer thru Cashapp an extra XXXX cause supposley the buyer send XXXX extra but I didnt belive it it seems so much like a scam and he even was being aggressive for me to send the XXXX right away and When I told him that This felt like a scam he hit me with I dont want u playing games or else imma send ur information to the fbi wen all I have been was being compliant with everything and he threaten me as well multiple times and I have text messages to prove it and the fund that I send where thru ( Cashapp ) I really want to recover my XXXX dollars please help me get out of this scam I also went ahead contact ups and they are in the procces of returning my XXXX  that I had delivered and they problem is he took from me XXXX and I requested a refund thru cash app and the guy that scammed me declined my refund and also I replied to the suppose XXXX email that it was a scam and they didnt respond back so it seemed even more weird that they could have been like its not but they didnt deny it and in the picture imma show u it shows there just a heads up on the messages of the screen shot I send you guys Im the color green bubble hes the black bubble

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: UMB FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 opened a checking account online in response to an online offer promotion for {$300.00} bonus if certain terms were met. In addition, a {$200.00} bonus was said to be available for opening a companion savings account. After successfully opening the account online and funding the account with {$100.00} from another external bank account, I attempted to login to my online banking, only to notice that it had been blocked by the bank. Upon calling to see what the issue was, on XX/XX/2020 the bank was requiring certain documents be faxed in order to unlock the online banking. The very next day, on XX/XX/2020 I received an unsolicited email notifying me that my account, opened successfully online on XX/XX/2020, was being closed. I am of belief and suspicion that the account closure is a direct result of my enrollment in the promotional offer and that the bank is acting unscrupulously in closing the account as a result of this enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
I have received a letter on XX/XX/XXXX from Wilber and Associates, P.C regarding a claim dated XX/XX/XXXX. This claim was settled and paid in full in XX/XX/XXXX. 

First payment was made on XX/XX/XXXX in the amount of {$2700.00} Last payment was made on XX/XX/XXXX in the amount of XXXX I called the company and ask them why were they sending to letters to my son and my husband for the same claim. I ask the manager to please stop sending me letters since the debt was paid in full last year. 

The manager said I still owes the money and i will continue to receive letters until i pay the rest of the money. 

This is fraud, since we had settled, i don't understand why after a year they are asking for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Today is the day I decided I did not want to keep my Webster bank account anymore. Im very disappointed at this bank. My little sister and I live together, and she recently went back to school in a different state. She recently had a check that was sent to the house right after she left for school. Because we knew itll take a while for her to receive it if I was to mail it to her, she gave me permission to deposit the check and send her the funds since she doesnt have any money nor food to eat. Long story short, I deposited the check, and Webster bank had it on hold. I then contacted them to explain what was going on and stated my sister needs the funds ASAP as she is in a different state with no money or food. I stated I can provide anything they needed from me. Ive been a customer with them for over a year now and never had any negative issues with my account. I was on the phone with them for over 2 hours and asked for a manager multiple times. I was never transferred to one, instead the customer service representative was the middle man between the managers, fraud department and I. It was very frustrating that they kept relaying messages to him as I'm pleading my case to them. It is Tuesday XX/XX/2020 and their option was for me to wait until the end of the week to pick up the check at a local bank. I told them I can not wait that long because this is clearly a life or death situation and they clearly have the power to release the fund. I gave them options to directly wire the funds to my sibling or have the check available earlier because like I stated she does not have any money at the moment and needs it. My parents are out of the country and the fastest way for her to receive the fund was for me to deposit. i stated to Webster bank I can have her send in her driver license or a letter stating she gave me permission to do that. They were very unhelpful and I was very disappointed because now Im sitting here trying to borrow money from someone just so my sister can eat. They verified the check and it processed and approved however, they did not want to help any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am responding to a collection listed on my credit reports. I do not recognize this claim. Please provide me with written documentation to validate this purported debt, an itemized statement showing the amount you claim I owe, copy of the written agreement or promissory note I signed relating to this purported debt, agreement with the creditor that authorizes you to collect on this alleged debt, agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, complete payment history on this account along with an accounting of all additional charges being assessed, show me that you are licensed to collect in my state ; and your license numbers and Registered Agent. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you. I will await your reply.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
My complaint against Comenity Capital Bank is based on their cancellation of my line of credit without prior notice. I have had this account since XX/XX/XXXX with an excellent payment history. I had been using this line of credit from XX/XX/XXXX until early XX/XX/XXXX to pay for XXXX  services. However, due to the pandemic, my XXXX  office was not in service and I therefore did not use my line of credit. I was notified via alerts from the credit bureau that my account had been closed. 

This unexpected cancellation caused me a terrible inconvenience and it affected my credit utilization. When I inquired about why my account had been closed, I was told they were not required to notify to give prior notice that my account was being closed. They also disclosed that the reason the account was closed was due to inactivity because there no new charges on my account. This is unacceptable. 

I have requested that my account be reinstated with an additional line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2020 I got an email stating my account had been closed due to an overdraft. I set up direct deposit at my job and it was never processed correctly. I never used my card for anything except for the money I deposited and used. I contact wells fargo several times and no one listened or responded to my claim. I was in the hospital from XXXX Fighting for my life from XXXX. I didn't reach out at that time because I was unable. My account being closed has caused me to struggle. 

Account ending in 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 explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
They call over an over everyday call from different numbers, they state it's a debt owed but it was paid to the original debtors harrass non stop an call before XXXX XXXX an after 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 explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: World Acceptance Corporation
State: KY

Complaint narrative:
WFC has extended the 7 year statute of limitations by reporting a charge off period from 11 to 14 months, depending on which bureau it is. The FCRA states it should be a 6 month time period. 

This illegal action has made the charged off account even more negative by increasing the SOL by 6-7 months. 

I have requested this issue be fixed numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Send in payoff in amount of {$190000.00}. Lender applied XXXX as payment due XX/XX/XXXX and placed {$190.00} XXXX in Escrow ( taxes and /or insurance ). in violation of the terms of the note, dot and XXXX XXXX XXXX disclosures. No discharge provided- invoiced for XXXX payment. On hold for 1 hr 38 minutes- listing to tape describing Bank `` legendary " customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a payday loan from Ace Cash Express and it has fallen into default. I have been unemployed for the better part of the year and have begun receiving calls from someone named XXXX XXXX at a collection agency and when I called back to speak to him, I was told that person does not work at that agency. Then I spoke to someone who said i was being charged over a XXXX dollars in court fees aside from my borrowed amount. I called ace cash and they told me to call XXXX and no one answers I have called so many times trying to speak to someone about payment options. I told the other people XXXX XXXX to stop calling me and they have kept calling me and will not leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted numerous dispute letters to Experian regarding a bankruptcy that is incorrectly listed on my credit report. This bankruptcy does not belong to me. Experian has continued to send me dispute results stating the bankruptcy was " verified ''. I have sent two letters asking Experian for their method of verification and have never received a response regarding my letters. 

At the same time, I disputed the information with the other two credit bureaus ( XXXX and XXXX   ). The information could not be verified and was therefore removed from my credit report. XXXX  and XXXX  uses the same vendor, XXXX, as Experian to verify bankruptcy information that it lists on consumer credit reports. With that being said, how was Experian able to verify that using the same vendor? I have done my due diligence and contacted the bankruptcy courts as well as XXXX  and they both have stated that they do not verify bankruptcy information. XXXX  has said they are not responsible for the use or misuse of information that 3rd parties gather from their site whether correct or incorrect. I have sent this same documentation that I received from them to Experian and they have still refused to remove this inaccurate listing from my report.XXXXI called Experian about this issue and was told that I could not speak to a supervisor when asked. I asked if I could be transferred to an escalation que and was told no. I was told that a supervisor would call me back in 3-4 hours. Nothing! This alleged bankruptcy was listed differently between all three bureaus that claimed to have gotten the information from the same vendor, XXXX. If the information came from the same source, the information should not be different. I also sent Experian letters showing the difference and the inconsistencies. Again, nothing. I've sent copies of my results showing where XXXX  and XXXX  had deleted the bankruptcy from my credit report and asked them to follow suit being that is had already been determined by the other two bureaus as incorrect and unverifiable. Again, with Experian, nothing! This listing is damaging my reputation and my credit worthiness. 

1st letter mailed XX/XX/20, received XX/XX/20 @ XXXX XXXX  2nd letter ( method of verification ) mailed after results from 1st letter was mailed on XX/XX/20 and received on XX/XX/20. Also sent a follow suit letter since the other bureaus had deleted the bankruptcy. 

3rd letter ( method of verification follow up ) mailed on XX/XX/20. No documentation received regarding this letter. 

Phone call to Experian was made on XX/XX/20.

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 2020-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a Capital One account that does not belong to me. I never opened this account or used it. On XX/XX/XXXX, I disputed this account with the credit bureaus and with Capital One directly but to no luck. Capital one just recently responded saying that they do not believe this account was opened fraudulently, and are refusing to remove it. This is after I sent them my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. Capital One is refusing to do it's due diligence and it is doing significant damage to my credit.

Company response to consumer: Closed with explanation