vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Services on behalf of XXXX XXXX unlawfully filled collection action on behalf of XXXX XXXX XXXX. 

In XX/XX/XXXX I was initially contacted by XXXX XXXX w/SWR about a bill from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX for a date of service of XX/XX/XXXX. which he said he received from XXXX XXXX XXXX in XXXX of XXXX. Is the timeline odd enough? Wait, it gets better ... 

I asked that he send me the bill and I would forward it to XXXX for payment because this was a worker 's compensation injury. He agreed and said that he would reach out to XXXX XXXX XXXX and provide me a copy of the bill, however, with the Covid going on, he was not confident that he would get a quick response. 

He called back a couple of times, left a message, I returned his calls and I reminded him that he said he would get me a copy of the bill so that I could provide the same to XXXX for payment. He said that he had reached out to XXXX and had not heard back from them. 

I never received any written or electronic correspondence from SWR whatsoever. 

The burden of proof roles flip : On XX/XX/XXXX I was notified by the credit bureau that I had a collection activity on my credit report. I called SWR and could not reach Mr. XXXX, nor has he returned my call. So I called XXXX myself talked to someone in the billing department who said that all of my XXXX XXXX bills have been paid in full and suggested that she could transfer me to the Physician billing Department. I then spoke to Ms. XXXX XXXX in the Physician billing department who indicated that during my visit on XX/XX/XXXX I was not seen by XXXX XXXX and my bill was paid in full by the XXXX  for all of my visits to their facility. Ms. XXXX email me an itemized statement for XX/XX/XXXX which clearly shows that I was never seen by XXXX XXXX nor is he affiliated with XXXX. 
Fun fact : I am unable to find a XXXX XXXX practicing in XXXX  She went on to say that XXXX has no relationship with XXXX XXXX nor Southwest Recovery Services and clued me into the fact that SWR had no right to negatively impact my credit without providing an itemized statement prior to reporting credit bureau. 

Based on my investigation Southwest Recovery Services had no legal right to initiate collection activity on behalf of XXXX because XXXX doesn't have a contract with SWR. They can not produce a bill or statement of services and yet this did not stop them from their collection efforts. 

One thing is clear : Their approach is disorganized, irresponsible, and caused unnecessary harm to my credit reputation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NY

Complaint narrative:
I purchased a prepaid debit card from NETSPEND for {$400.00} a few days ago. I went online to fill out their information but was then directed to send more information ... they wanted my electric bill ... a copy of my SS card and a drivers license. I faxed that but they said my drivers license was too " dark ''. I then scanned the info but they said they could not open it. 
I resent the info in another fax ... but that was too 'dark '' ... .I then took a photo of my Drivers License and just received an email back saying it was too " blurry ''. I have asked for an address to mail a copy but that request was never answered. 
I have had numerous emails back and forth but have gotten nowhere in trying to resolve this matter. 
Any assistance in resolving this matter would be greatly appreciated

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 2020-07-10 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by BMW which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
The company sent me to a collection company once I paid the company for a pay and delete they reported it back to Kay jewelers and yet this is still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase bank credit card. 

I was charged more interest at a higher interest rate during Covid19. 

Most major credit cards including XXXX XXXX were waiving all interest charges, while Chase increased my rates, for this to happen during Covid19 is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
I have a forebarance for the months of XXXX, XXXX and XXXX but my loan servicer still put through a {$510.00} payment which caused our checking account to become negative in the amount of {$650.00} including overdraft fees, the put it thru on XXXX the XXXX and it is now XX/XX/XXXX, I have asked them to put the payment of {$510.00} back into the checking account but they have not up unto to his point!! Please help me resoulve this problem. My phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: HI

Complaint narrative:
XXXX has continued to try and collect an outstanding balance that I do not owe since closing my account in person, in the XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I was contact by phone from XXXX XXXX XXXX stating that I was in pre-collections on an amount owed to XXXX. I contacted XXXX, verified I did not have an amount owed and had them mail me a statement balance showing that my balance was XXXX ( {$0.00} ). On XX/XX/XXXX I faxed XXXX XXXX XXXX the statement that I received from XXXX showing that my account has a XXXX ( {$0.00} ) balance. 

XX/XX/XXXX I reviewed my credit report to find that XXXX XXXX had hired CBE Group to take me to collections. I have since mailed the statement that I received in XX/XX/XXXX showing that I have a XXXX balance on my account to CBE Group. 

I was never contacted from XXXX stating that I owe an outstanding balance. I was never contacted by CBE Group that I have an outstanding balance or was being taken to collections or that they were reporting collections to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
TDRetail Credit XXXX.-XX/XX/2020 Checked my credit report and my score dropped by 95 pts. I investigated and learned that XXXX reported a missed payments for 90 days. I assumed I was in the COVID 19 act and delayed my payments. When I called XXXX they informed me that I needed to register for program. That was the first I learned of this. I never received a bill or notice of late payment, in the 90 days I told XXXX I would pay my bill but they refused to cooperate and would not remove the report to the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC doesnt allow the use of XXXX to link your account with finance apps like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
This complaint is for TCF, Identical complaint filed for XXXX XXXX XXXX There are two lenders involved in my complaint. I had a HELOC loan with TCF bank that sold my loan to XXXX XXXX  XXXX  back in XXXX of this year. This loan was actually converted to a long term loan many months earlier and we no longer have the ability to draw on that loan according to our agreement. Before even making our first payment with our new loan servicer they reached out to us looking for the first payment in XXXX. I explained XXXX 's payment was made with the first loan servicer and we have sent them proof of that payment. Each month we pay the same amount to them as we did our previous loan despite requests for different payment amounts each month, asking for mostly smaller amounts. We have made several attempts to provide XXXX  with documentation that this payment was made and that we were current as of the date of the loan being sold. The original servicer has provided us with the documentation but is unwilling to contact the second directly each time telling us they can't contact them anymore and to give them a new document proving we have paid. Each time I call the new servicer they humiliate me reminding me I am late and this is an attempt to collect a debt. One lender selling a loan to the next shouldn't be my problem to fix as the problem was created in the sale of the loan. I feel I'm running out of options but certainly don't want to pay another payment to them that we don't owe them. This practice can't be acceptable and I'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion will not provide me my credit score without paying a fee. This is egregious since they make money from my financial information and should provide to me my information for free at any time.

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 2020-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ropossessed vehicle around XXXX OR XX/XX/2019. The remaining balance about XXXX was charged off and sold to Fidelity Creditor Services around XX/XX/2019. Credit report show Fidelity Creditor Services as collection  agency actively attempting to collect on debt. Report shows XXXX XXXX as the original creditor. XXXX XXXX also shows the balance which every month continue to increase as owed to them on credit report. These items have been disputed with XXXX, and XXXX, for about 5 months. Both companies send back the balances and accounts are validated and accurate. It is my understanding that a consumer can not owe 2 companies for same debt/ accounts. Fidelity currently shows balance of XXXX, and XXXX shows balance of XXXX. This balance continues to increase. One account is showing on credit report twice under 2 different companies increasing debt to over XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
Our home was heavily damaged by Hurricane Michael XX/XX/XXXX. After lengthy battles with the insurance companies, we have finally received the funds needed to repair the home. However, we are required to send our check to Amerihome for disbursement. This is the second time we have had to do this, and once again it has become a circus of incompetence, inaccuracies, and misinformation regarding the process to receive OUR money. The check was sent to Amerihome XX/XX/XXXX. It is now XX/XX/XXXX and we still don't have all the money released to us for repairs. 
1 ) We are required to call about every three days for instructions or updates. Every call results in a different answer, different process, different requirements. How is everyone not on the same page. This is a tremendous waste of our time. 
2 ) We have submitted lien wavers, contracts, and receipts. we have been told they're incorrect, not needed, or we need a different form??? Which is it? 
3 ) As stated, we went through his with the first round of checks. Now the process is different per Amerihome, even though it is the exact set of circumstances as before.

4 ) They advise to log in to account to check status of checks. However we were told that's not possible, we have to call every time we want info. And every call results in a different answer.

5 ) We have been told disbursements would be made in X, Y, and Z amounts. This amount changes every time. We were told submit receipts and get reimbursed. Submit contract and they would send money to the contractor. Finally today they said only about 1/3 of the money would be sent, and after work is 100 % done, final payment would be made. How are we supposed to fix house to 100 % without 100 % of the money?

Again, after over a month of back and forth with no consistency in the process, we are still waiting for our money to fix the house. And it's even scarier to know this same company manages our mortgage. We just want our money now and we want our house repaired without having to deal with such XXXX. It's been almost 2 years since the storm and I don't need Amerihome dragging this out any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
This lender is not working with me for this fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a XXXX XXXX of XXXX  capacity. I have two accounts with Bank of America. One has been moribund for over 5 years but is STILL listed as an en account on my paperless billing options. The second account is active. 

I became confused with the automatic payment system because of that and assumed I was sending auto pays to the active account. Unfortunately my confusion led to two late payment charges for a around XXXX dollars. I also suffered a dint to my credit report. 

I asked BoA to REMOVE the XXXX  account and ONLY list the current account. They list the moribund account in the primary position on the account pages above the active one. 

They did nothing. 

I wish them to DELETE the XXXX account from view and credit my account the late charges. 

I explained this in the attached letter and to date received NO response. 

They are taking advantage of my diminished capacity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX reports incorrect derogatory information on my credit reports with payment status as collection/chargeoff. This account was settled by XXXX which is the primary creditor. Therefore XXXX XXXX XXXX has no legal standing in this matter. The offices of XXXX XXXX XXXX along with a court appointed mediator settled this case. The final resolution CASE DISMISSED!

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 2020-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery has been calling everyday day, 2 to 7 times a day, for well over a year claiming to have bought an old debt of mine from 3 and a half years ago from XXXX XXXX. I still have an active and paid on time XXXX XXXX card. They call from different numbers throughout the day so trying to block them or report them to the do not call registry is getting me nowhere. I have run the gambit trying to get them to stop ... .Ive tried ignoring the calls, reporting the calls, answering the calls to let them know they are misinformed, answering with yelling and profanity, picking up and hanging up and worst of all finally just getting the information and trying to pay them off to go away all to no avail. They have called under " Portfolio Recovery, just XXXX, CT, XXXX Service, XXXX RI, XXXX XXXX, CT '' and on and on all most if not all are from different numbers. They've called 3 times today in 7 hours just today. Any issues I may or may not have had with XXXX XXXX over 3 years ago have long since been resolved or I wouldnt have an account with them now. These someones want to harass someone into the ground to make a buck off of them. These people need to get a real job like myself ... .a XXXX, a XXXX XXXX  working to help our sick residents and potentially not only exposing myself but my loved ones at home. Im so angry! Make them stop IMMEDIATELY! If it hasnt stopped by Monday ill be moving on to more permanent options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
not my account never had a account with NVLV

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This debt does not belong to me. I've asked them 5 times to validate it, and they can not. 
I asked them to show me where I signed to open this account they said they don't have anything to prove. They have nothing providing this account is mine I lived at XXXX XXXX XXXX XXXX  Ny XXXX at the time they said debt occurred.

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 2020-07-10 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I leased a car through Hyundai Motor Finance ( HMF ) on XX/XX/XXXX. The last payment on the lease was on XX/XX/XXXX without a single missed or late payment throughout those three years. When first leasing the vehicle I paid an additional amount for a warranty for any wear and tear that might occur during the time of my lease, anything under {$7500.00} would be covered. Upon return of the vehicle HMF used a third party contractor called XXXX to come do an inspection. Their inspection resulted in {$550.00} worth of wear and tear therefore I knew would be covered under my warranty. I made all payments under my responsibility including the {$400.00} disposition fee with the understanding that HMF would be receiving their money for the wear and tear through American Risk Services ( ARS ), which HMF partners with as the third party responsible for those wear and tear payments. I was advised HMF would initiate that claim and work with XXXX to get that matter resolved, all I would have to do is fax over information to them which I promptly did. Due to my persistence and desire to follow-up I later learned neither XXXX or HMF had initiated a claim. I called both companies regularly and each of them placed the blame on the other. I had to resolve the matter by using three way calling so there would no longer be any discrepancies or miscommunication. After this a claim was initiated. HMF received their payment late and although it was not my responsibility to pay them they faulted me for the late payment and sent a late payment report to all three of my credit bureaus. My credit bureaus have the late payment for XX/XX/XXXX although I had returned my lease and made all payments I was responsible for on time. I attempted to dispute this matter with my credit bureaus but they referred me back to HMF. I've attempted to resolve this matter with HMF but have been unsuccessful as they refuse to take any responsibility. This is the only negative/delinquent payment I have in my credit report and need assistance in getting this adjusted.

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