vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I received an email from XXXX and XXXX, which said this : Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX New Invoice {$690.00} Due on XX/XX/2023 Pay Invoice Invoice # XXXX XX/XX/2023 Customer XXXX XXXX Additional Recipients XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Download Invoice PDF Invoice summary XXXX XXXX {$690.00} Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX Subtotal {$690.00} Total Due {$690.00} Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX XXXX XXXX Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, OH XXXX United States Please contact Call for Dispute & Cancellation : XXXX ( XXXX ) XXXX Payment of {$690.00} for XXXX Purchase from Coinbase to be unauthorized.If you wish to cancel this request, call us at XXXX ( XXXX ) XXXX about its privacy practices. A paypal logo appears at the top of the email. My family does not have a XXXX account. We have never sought purchase of bitcoin. I do not know what this email is suggesting, but we have attempted to purchase nothing for {$700.00}. This is fraud. I called the listed phone number. The person on the phone asked me to go to XXXX  and download software. I refused and told them I would report to the ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
On XX/XX/XXXX I opened a line of credit with Fortiva through XXXX XXXX XXXX XXXX in XXXX XXXXXXXX, OK. This was strictly to purchase my child a bedroom set. I paid payments on time from XX/XX/XXXXXXXX  to XX/XX/XXXX. On XXXX XX/XX/XXXXXXXX  I paid the remaining balance of {$1500.00}. As long as I paid the balance due before the sixth month mark then I would not have any interest. In XXXX of XXXX  I attempted to purchase a lamp at XXXX XXXX and the card was declined. I contacted Fortiva and the representative stated that the account had been closed out. Close to 15 months later, around XX/XX/XXXX I checked my credit report and it showed a past due balance of around {$90.00}. I contacted the company and they stated that there were fees on my account that were past due. I explained that the card is as previously declined as well as verified by a Fortiva Representative that the account was closed. I have been fighting to get this removed from my credit report and with Fortiva to drop the fraudulent fees for over a year now. Please investigate this company as I know if they did this to me then there are others out there as well. It now shows a derogatory mark on all 3 reporting credit agencies as a balance past due of {$190.00}. I have disputed the charges multiple times and they recently charged off the balance as a bad debt. I was able to obtain access on the Fortiva website and it is still saying that there is a balance due of {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Corporation of America
State: GA

Complaint narrative:
I have requested a validation of debt letter and almost a year ago and have yet to receive any documents, they continue to call and I explain that I an requesting a debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are incorrect Late Payments listed on my Credit Report, below is the company information. 

XXXX XXXX XXXX XXXX : XX/XX/2018 2018

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service at XXXX or Equifax would not help correct my file by deleting the unauthorized inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: PA

Complaint narrative:
LVNV AND XXXX are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX  XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. XXXX shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. 

Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. 
XXXX has already explained to me that me and my son had combined profiles..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Global Lending LLC has been fraudulently reporting my account as delinquent to major credit bureaus, disallowing me to be approved for a mortgage, to refinance my auto loan elsewhere, or to purchase another vehicle. 

I have not been delinquent in several months, and currently have a credit with them for overpayment toward my principle. 

I have emailed and called Global Lending and have yet to receive a response from them. I called them again today to have this fix this error, and they said they will " get back '' to me next week via telephone. 

Reporting incorrect information to the three major credit bureaus is illegal and fraudulent ; they appear to be doing this so that I unable to refinance elsewhere. 

Global Lending is also fraudulently applying my principal payments toward my interest balance, despite having zero finance charges left with them. 

Furthermore, upon reviewing my Principal and Interest statement provided by Global Lending, I have been fraudulently over charged our contracted and legally binding finance charge of {$9300.00}. 

My total contracted finance charge is {$9300.00}. I have paid {$9300.00} total in finance charges, as per the Principal and Interest Statement provided by Global Lending. 

They have currently overcharged me {$69.00} in finance charges and did not apply this amount to the principle, in direct violation of our contract. 

When I asked them about this today, they calculated the math incorrectly, stating that I have paid a total of {$9300.00} of finance charge, in direct opposition of their own accounting statement. 

They are fraudulently adhering to their Loan Amortization Schedule instead of the actual payment they have received and are fraudulently stating my pay off amount to reflect the Amortization schedule rather than the actual amount. 

I have attached my contract with Global Lending, the Loan Amortization Schedule, and the Principal and Interest Statement. 

My mortgage lender can provide you with the fraudulent delinquent reporting by Global Lending at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: TX

Complaint narrative:
I am making this complaint against Ascendium Education Solutions because on XX/XX/2023 my student loans were discharged due to the Borrower Defense Case concerning the Sweet v. Cardona ( " Sweet '' ) lawsuit Ascendium Education who is contracted under the Florida Department of Education refuses to give me back a refund because payments were to the loan through offsets and wage garnishments even though the letter clearly says in the borrowers defense letter the following " The benefits do not apply to private loans '' there is no written policy on ffelp loans that states that you can not be refunded or receive a refund! I spoken to XXXX who works for Ascendium Education Solutions in the ombudsman department and ask her to show me a policy on ffelp loans thats states that ffelp loans can't be refunded? I also requested for her to send me a copy of the master promissory letter and school records which she has not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Our VA home loan through XXXX was transferred to Mr. Cooper early last year XXXX. Prior to the transfer our loan company offered a COVID-19 pandemic relief option. They said we were able to skip a number of payments at 3 month increments. We were approved for a total of 12 months of no payments in the year XXXX, with the option to refinance or add the payments to the end of our loan with VA approval. We started making our original mortgage payments again in XXXX of XXXX. At which time we were given documents to sign and have notarized for a VA backed deed in lieu of foreclosure. After having the documents returned to us by Mr. cooper three times due to improper signature or notarization, they finally accepted the signed and notarized documents by the end of XX/XX/XXXX. At some point after we waited for finalization, we were rejected for not returning the documents on time ( by the end of XX/XX/XXXX. ) We called Mr. Cooper with proof that the documents were signed and turned in by the due date. The representative agreed and made a request to re-open that claim. After it was re-opened we had to wait to hear back. By that time Mr. Cooper would not accept any mortgage payments from us, despite us paying them monthly for the prior year 's payments ( XXXX. ) Now in XX/XX/XXXX we have been notified that our mortgage is in default and the financial documents we already had singed and notarized were rejected or lost. I called Mr. Cooper today to inquire about opening that claim again. They said that they would do that, however we are not confident that this wasn't a scam to offer us pandemic relief and have us notarize paperwork for adding the {$15000.00} or so past due to the end of our loan. I believe this is a deed in lieu of foreclosure. We have not been allowed to make any payments after XX/XX/XXXX, but we have been storing the payments saved in our bank account. Mr. Cooper, formerly Nationstar, continues to charge us late fees and give us delays. My husband is a 100 % XXXX veteran and I have medical XXXX as well. We can not afford to sell and still maintain a property at the current rates of mortgages, despite having equity. We are able to continue our monthly mortgage payments at the rates we started with from XXXX. Mr. Cooper is threatening us to sell or go into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XX/XX/XXXX  I received a text from " Chase Bank '' asking to verify that a card usage was me I replied no to the text and I got a call from a " Chase associate '' I gave them my card number, pin, and social security number to verify my identity. I talked to this person over the course of two days and they locked me out of my account when I tried to log in I got a pop-up stating my account was locked due to suspicious activity XX/XX/ I started to get suspicious of this person when they did not call me back when they said so I called the number on the back of my bank card at the same time I tried to log into my account again and my account was no longer locked and I noticed that {$5600.00} was taken from both my checking and savings account ( {$3.00} from checking and {$5600.00} from saving, my accounts were completely drained ) I informed them of what happened and they issued me a temporary refund XX/XX/ Also on XX/XX/, I filed a police report for identity theft and the money stolen from my account XX/XX/XXXX  Chase Bank notified me via electronic letter that they are reversing the temporary refund because they do not believe that I did not authorize these charges I called the claims department and spoke to the supervisor who told me she would reopen my case to try and get my refund but there is no guarantee

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am fully aware of LVNV Funding LLC unlawful lawsuit and illegal collection practices as there has been many class action lawsuits against them. There is no data listed on my credit report for this account. Attached are copies of statements that I received from LVNV funding but it did not validate the debt. I have had previous history with companies and having to go to court for these same reasons. Which is why I am asking that the debt from my previous complaint be verified in whole before any other actions are taken by myself or LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: IL

Complaint narrative:
I declare under penalty of perjury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstafements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001.

Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I made half of my car loan with my bank who is also the leinholder over the phone with an Arvest employee on XX/XX/XXXX and that payment is showing on my bank account as being withdrawn from my checking account and then on XX/XX/XXXX which was on a Saturday I paid the rest in the amount of XXXX I checked my account online on that following Tuesday and it had not cleared my account yet so I called that same day and asked about it and they told me to call or check my bank account in two more days and it was not taken out yet. So I called again and they said that the money was taken out and then put back into my account so I opened my Arvest app while on the phone with a customer service representative and looked and I told them there was not anything showing in my account that the money was ever withdrawn or added back to my account I have called and went into a local branch for the past three weeks and have accomplished nothing on where the money went I was then told that the XX/XX/XXXX payment was made and then reversed which again there was nothing showing that and all it shows is where the money was taken out the bank keeps telling me I need to make the payment again and that I should have asked the Arvest employee to repeat the account number to me and that I am responsible for the money I have made the car payments over the phone with a parson for the last seven months and I pay over the phone so that the money comes out right away because I hate sending checks because you have to wait around for them to clear your account I am getting no where with this problem I have never had a problem with it until now and I asked if they could see who took my payment and they wont go into that conversation with me I always pay all of my bills and I do not have time to waste time on the phone with any company over a bill that I know I have paid my phone number is XXXX XXXX XXXX I need help with handling this problem

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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: MI

Complaint narrative:
Spire Recovery Solutions LLC. illegally obtained my personal information and now they are stating that I owe a debt. Spire Recovery Solutions LLC. did receive written notification to validate this debt that they are accusing me of owing. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. Spire Recovery Solutions LLC. must comply with validation request. Spire Recovery Solutions LLC. threatened to report invalidated information that I have requested them to validate. I also requested Spire Recovery Solutions LLC. to send written documentation validating this debt however, they did not send the debt validation. Spire Recovery Solutions LLC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Trust is the original lien holder for the title on my vehicle which was paid off in 2020. I have been reaching out to them for XXXX  months trying to get a lien release mailed to me so I can register my vehicle in a new state. Despite calling their customer service and being told repeatedly that it would be mailed to me, Ive waited now XXXX  months without receiving the document and I cant drive my car without it. I have even followed up with their Closed Loan Department without any success. The resolution I would like is for Truist Bank to send me my requested Lien Release so I can use my car again.

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 2023-04-12 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: TN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: LA

Complaint narrative:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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