vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integrated Asset Recovery LLC
State: KY

Complaint narrative:
Several years ago we got into a hardship when my husband became ill and had to be off of work for several months. I had a XXXX XXXX credit account that I had opened in XXXX. After awhile, I was getting behind on my payments during this time, so I contacted XXXX XXXX and did a settlement arrangement with them. I paid that off, but for some reason, XXXX XXXX  reported to a collection called Portfolio. saying I owe {$690.00}. I have tried numerous times to contact trying to dispute this, but in their response they are claiming this is correct when I know it is not. My only problem is, it being several years ago, I can not find my proof. I do not want to pay again after I have settled with XXXX. It is not right to not want to work with me on this matter, I have already told Portfolio, I will not pay this. They are wrong. I have tried several times to get this disputed. It has been put on my credit file as a charge off of {$690.00} by XXXX / XXXX but I never get mail from this company. They refuse to let it go off of my credit report when I contact.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-26 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase from XXXX ( clothing company ) and decided to use PayPal at checkout. The initial full purchase amount was going to be {$17.00} ; however, I used rewards points at checkout which reduced the final purchase amount to {$8.00}. I processed the transaction using my PayPal account balance, which was {$22.00} prior to the transaction. I was assured during checkout that I would only be charged {$8.00}, and the email confirmations from both XXXX and PayPal both show the charge as {$8.00}. However, my PayPal balance after the transaction was processed was reduced to {$5.00}. Simple math indicates that my balance was debited the full {$17.00}. I initially contacted XXXX and was advised that if there was a pending authorization, it would fall off after 10 days and that I would receive the {$8.00} difference back into my account. That never happened. XXXX pointed me back to PayPal. I opened disputes with PayPal, only to receive a response with the receipt showing the transaction amount was {$8.00}. PayPal does not know how to do simple math, nor do they apparently keep running balances ( the website does not show starting and ending balances in transaction history, which makes no sense for a financial institution ). PayPal is refusing to work with me and has only advised that " any pending authorization will fall off in 10 days after the item ships to you ''. As I've stated, the transaction was back on XX/XX/XXXX and it is now XX/XX/XXXX. I received the purchased item from XXXX back on XXXX. It's been well over the timeframe for any pending authorizations/holds to fall off, yet I still don't have my funds and worse yet, PayPal thinks that no funds are owed to me so they are not taking action. I should not have to go through this much trouble for {$8.00} but at this point it is the principle that they have taken money from me and not only are denying its return, but are essentially stating that the {$8.00} never existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: LA

Complaint narrative:
Money lion illegally placed a debt on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XX/XX/2020, I booked a flight for me and my son to travel in XXXX. After booking the flight, Delta changed the itinerary and I was unable to make the new flight times work. I contacted Delta and asked for a refund, and they gave me written notice that a full refund would be credited to my American Express. When I received the refund, it was only a partial refund, and the remaining amount was credited in travel vouchers. I reached out to Delta and requested that they honor the written agreement we had to refund me in full, specifically because at that time I had asked about travel vouchers and they assured me there would be no travel vouchers. Delta refused to refund me the difference. The only choice I had left was to file the complaint with AMEX and provide them the written documentation that I had with Delta. AMEX denied my claim stating that Delta said I had received travel vouchers and was not owed any money. Note : I have since filed a complaint with DOT against Delta.  I asked AMEX to review the claim again, and they provided me the same language that Delta had provided me travel vouchers. In addition to the travel vouchers dispute, when I had to rebook the flight that had been changed, that flight also was cancelled, and I am still being billed for that flight as well under the guise of travel vouchers being issued to me. To date I have been charged for 2 flights for my son and myself and not taken even one flight.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I sent an international money transfer online through western union app on XX/XX/2020. Transaction number is XXXX. I paid {$400.00} plus fees using my bank debit card. The app stated that the transaction is under review and should be available to sender within 2 hours. But after 4 hours. the transaction was never processed, so I called Western Union customer service who asked me to email a copy of my ID so they can process the transaction as soon as possible. I sent my ID, and all they did is sending me an email assuring me my money is under " secure hold ''. I thought I did a mistake while reviewing the transaction online because there is " review and resend '' tab under my transaction number, which I clicked. This triggered another withdrawal of {$400.00} plus fees from my bank. I called within 30 minutes to cancel the second transaction according to Western Union policy, but they refused to cancel. After so many calls with them, and being put on hold indefinitely I asked to cancel both transactions and refund me. They sent an email stating they were unable to refund. They provided no reason. That means that they can hold my money for a long time. They have no reason or right to refuse to refund me. I'm asking for a refund, and I guess they hold customers ' money for as long as possible to gain some interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
XXXX ( eos ) XXXX all equipment returnedand XXXX ( XXXX   XXXX ) XXXX paid. I have sent letters without response. I know there are mail issues due to COVID but this is truly affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to the Wells Fargo Branch located on XXXX XXXX in XXXX XXXX, NJ to make a cash deposit toward my mortgage loan. I used the drive through window as the branch was closed to customers due to COVID. I typically pay my mortgage via bill pay, but failed to schedule the payment in time for the cutoff before late fees are issued. I gave the teller {$2200.00} in cash. I was at the branch between XXXX - XXXX. I did not keep my receipt as I thought the deposit was made and no further action was needed. A few days ago i received a call from Wells collection asking about when my mortgage payment would be made. I told the customer service representative that I made a cash deposit, but when i checked my account using online banking, the deposit was not applied to my account. I have no other accounts at Wells Fargo. I called the branch and explained the situation. The branch 's review found no record of my deposit in the teller logs for XX/XX/XXXX ( Saturday ) or XX/XX/XXXX ( Monday ). The branch filed a ticket with " the resolution team. '' I also called corporate offices and reached the executive office where i filed another ticket as i requested that corporate security investigate the matter promptly and pull cameras for that 20 minute window to see what happened to the cash deposit. Waiting to hear back.

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 2020-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
southwest credit XXXX XXXX not owed bill paid still on credit report. It is ruining my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I attempted to reach out to the creditor via phone twice, certified mail on XX/XX/20, in an attempt to verify the validity of this debt as it is not mine. Regarding both phone calls, no one has ever followed up with my messages, one left on the recording and the other with the operator that said someone from billing would contact me. There has also been no response to my inquest that was sent certified USPS. This is not my debt. I have had insurance with no lapse for the last 7 years, same company with the same plan had this been my debt, there would have been no issue in regards to payment of a claim. However I have not been to this facility nor would I considering they do not accept my insurance and would have notified me of such if I attempted to schedule an appointment with their office. This is not my debt, it is reported on my credit report and is a fraudulent collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My complaint is with Hyundai Motor Finance XXXX. My account number is XXXX. 

They sent me a notice in XXXX, 2020 that said " Effective no earlier than XX/XX/2020 we will be UPDATING how we apply payments received towards your billed balances ''. 

So, if you have an unpaid late charge of {$15.00} and you send in your next payment " on time '' they first deduct the past due late charge from that payment, which leaves only a partial payment being paid and that results in ANOTHER late charge. So you now have a late charge for every month going forward, until you clear up that initial late charge ... ... 4 months is {$61.00} and change, all because you made ONE payment several days late. 

They are acting as though this is their right, but they sent a NOTICE in XX/XX/2020, that was NOT agreed to in the initial contract that I signed at lease inception. 

This practice is much like when the banks would pay the largest check first on an account with insufficient funds, so as to create more overdraft charges than necessary, until a stop was put to that unfair practice. Now they must start with the smallest check and work up. 

Not that it matters, BUT this is the fourth car I have leased from this company and I think this is ridiculous! 

This is abusive and predatory!

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 2020-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
The IRS sent me a letter stating that they sent my Covid check for XXXX to my BB & T account which has been closed, but BB & T never sent it back to the IRS and kept it without notifying me or sending it to me by mail.

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 2020-08-26 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TRANSWORLD SYSTEMS INC contacted me trying to collect debt on the behalf of a XXXX XXXX account. 
Upon, further research, this account was transferred/sold and I am no longer responsible for the account. 
Also, Ive sent out a letter to TRANSWORLD SYSTEMS INC on XX/XX/2020 with the address listed on their website at XXXX : XXXX and the address is expired and Im unable to contact them by mail. They made an attempt to call me to try to collect payment & mentioned that this call is recorded and not to validate your debt if they can not validate it. So why is this company asking for payment? 
I informed them that I prefer you not to communicate by phone and I prefer to communicate by mail and she told me they do not accept mail and will reach out to the original creditor and tell them I refuse to pay the debt. How can they not accept mail but have a P.O BOX address on their website claiming it's their address? I did not say anything about refusing to pay the debt or even admitting to this being my debt as they cant validate it because they don't have a proper structure way of receiving mail. All I said was I prefer to communicate by mail, so they are falsely accusing me as well. 
If they are a legit company, they need to validate the debt because their address listed on their website is invalid and I can not contact them by mail. 
Is this company seriously calling people trying to collect payment without any proof of this debt without being validated? 
According to the FCRA, TRANSWORLD SYSTEMS INC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I filed a complaint on Navient because I received an email about interest being added to my account during the time it's not supposed to be added and along with no payments. In XXXX my balance was less than it is reporting on my credit report now. They have added over {$2000.00} in interest from XXXX to XXXX. They aren't supposed to be doing that. Who else can I reach out to about this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
I purchased XXXX XXXX collars from the seller and paid {$130.00} for them through Paypal. When I recd the collars, they were counterfeit. I tried to work with the seller but he wouldnt give me a refund. The seller lied and stated he was in the US and would receive the collars within 7-10 days but when I didnt receive the collars, he emailed and stated he was overseas and it would be 26-30 days. ( I DO NOT ORDER FROM OVERSEAS for this very reason ). I opened a case up with Paypal and explained the situation, even sending and showing proof the collars were fake. I was instructed to mail the items back with the tracking number. I mailed the items back, scanned the tracking number to Paypal along with pictures of the receipt and the package on XX/XX/XXXX. I had til XX/XX/XXXX to get the info to Paypal. I recd an email from Paypal on XX/XX/XXXX stating my refund was denied bc I didnt supply the tracking number and the case was closed and could not be reopened. I did supply the tracking number along with multiple pictures. I want to file a complaint for Paypal for card fraud and mishandling the case of giving a refund, refusing to look at the documentation and information sent. Please advise if I need to do anything else in order to get the refund of {$130.00} for this is the second time Paypal has done this to me ( the first time was approx {$200.00} ). Paypal did NOT investigate the case and stated an automated system closed the case and could not be opened back up. This is fraud on the seller and Paypal and also mishandling the case on Paypal part for letting an automated system handle the case instead of a person. I also scanned in the receipt for {$16.00} for I am covered under Paypal up to {$30.00} shipping refund. I have not received that refund either. I have tried to contact Paypal via telephone. I have left emails asking for a callback from a supervisor but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
Began looking for a loan. Looked through XXXX XXXX app in the Pre-Qualified section. After reviewing, found Lending Point. Provided information to Lending Point XX/XX/2020 via XXXX XXXX website. Was contacted first time XX/XX/2020 by agent, didn't speak with agent until morning of XX/XX/2020. Agent inquired about financials. Agent stated they had received all the documentation needed for processing loan request, however, wanted to confirm details of financials. At the time of speaking, the only documentation that I provided to Lending Point was a picture of a voided check for deposit reasons. This was requested at the beginning, prior to any email being sent from Lending Point. Agent claimed the loan request had been denied once advised of annual income over the phone. Email received from Lending Point XX/XX/2020 claims the company required more documentation, such as ID, Pay stub ( s ) from last 30 days of current employer, and a XXXX from previous employer. Email claims " Once your documentation ( ID, Pay stubs, XXXX ) has been approved underwriting will then execute a Hard Credit Pull. '' This email was received late in the afternoon of XX/XX/2020. At the time of speaking with agent, my application and certain personal info on application had been forwarded to Lending Point ; no ID, no Pay stubs, nor any XXXX information or any other follow-up information had been sent yet due to waiting to speak with agent beforehand. At the time, Lending Point had already made a Hard Inquiry on my credit report, despite not having the proper documentation they requested. They have denied my application without having received and properly reviewed the requested documentation. I believe this is wrong and unfair because Lending Point proceeded in making a hard inquiry on my credit report on XX/XX/2020 and made their decision to deny me for applying despite not having acquired all the proper documentation. The email stated they were waiting for said documents and that a Hard Inquiry would be made once these documents had been received and approved. I will also be filing a formal complaint with XXXX, XXXX, and XXXX   and any other Credit Reporting Agency regarding this situation, as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: U.S. BANCORP
State: TN

Complaint narrative:
I have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. 
I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.

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 2020-08-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.

Company response to consumer: Closed with explanation