vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
Midwest Recovery Systems, LLC has placed a collection account on all three of my credit reports, and reported to all three credit reporting agencies, XXXX, XXXX, and XXXX, about a debt that I do not owe to them, nor did I ever receive any written documentation about this alleged debt. This does not allow me the opportunity to dispute the validity of the debt. This company is in violation of the The Fair Debt Collection Practices Act ( FDCPA ) in its practices. 

By reporting an alleged debt that was never validated or confirmed to credit reporting bureaus, this has caused my credit score to plummet significantly. I feel this is illegal and also tactical on their part to manipulate consumers to pay on debt without going through the proper procedures as mandated by the FDCPA. I also question if this company is licensed to collect debt in my state and if they are trying to collect on alleged or phantom debt, which may go beyond statute of limitations by state. I question the legality of what this company is doing to collect on unverified and unsubstantiated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- Kinum and XXXX XXXX XXXX XXXX Both of which have ruined my credit rating. XXXX XXXX XXXX is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with XXXX XXXX, nor Kinum for that matter. I have requested the original contract to be sent showing that I never gave authorization to XXXX nor Kinum to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I joined Experian 's credit service called XXXX. 
There is a 7 day free trial. 
The day I joined I also cancled my memebership. 
I canceled because the credit reort I received from this bogus service was not even mine. 
I wrote and mail them a letter, since if they couldn't furnish my credit report. How could I trust their cite to cancel? 
I have attached that letter, dated XX/XX/2020. 
Recently, they charged my credit card anyway and I incurred an overdraft fee. 

So fine this incompetent and fraudulent Experan service immediately. 
Have Experian actually furnish my credit report. 
Have them cancel my membership and take their charges off my credit card immediately. 
This is fraud. There should be severe consequences. Do your job.

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 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Had asked them to refinance my loan with a lower interest rate back when sallie-mae held the loan and also when navient bought this account i had asked them to lower the % rate. I also have receipts going back to XX/XX/2007 totaling over {$10000.00}. The initial loan was {$14000.00}. With navient the balance is still {$14000.00} plus {$110.00}. When i asked navient about previous payments that were made to sallie-mae of ( {$10000.00} ) there answer was that was for interest only. Should you need any receipts i have all of them since conception of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I took {$4000.00} cash advance on XXXX for one year promotion plan for 3 % interst rate from Capital one credit card. 
They started chaging me interst on XXXX itself. Now they change the plan and only telling me that this was original credit card opening promotion. I got letter for promotion on month of XXXX for next one year promotion. 
They changed me three month heavy interest charges around $ XXXX.During this COVID-19 duration credit card company is looting customer. Also customer service person does not know who these number shows up in statement. 
My info card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto Finance XXXX - is reporting on my credit as a Redeemed Repossession and it was not a repossession.. I would like that removed and updated correctly to show paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Received notice from XXXX XXXX of a newly added debt collection from Midwest Recovery Systems opened on XX/XX/20 in the amount of {$1800.00} I never had a loan in this amount. I have not received a phone call or any written communication regarding this so called debt. It simply appeared on my credit report. 

Very unfair - especially in a nationwide shutdown!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: DISCOVER BANK
State: CA

Complaint narrative:
I made an agreement with Discover card over 4 years ago to be put on a monthly payment plan which would allow me to pay off my balance within 2-3 years and still allow me to keep my account open. However, Discover closed my account without notifying me even though I had not missed any of the arranged payments in over a year. I continued making payments because they told me they suspended charging me any additional interest as long as minimum payments were made. It has now been 4 years and although I have paid over {$2400.00} to date, I found out today that my original balance of {$1900.00} has only gone down to {$1700.00}. 

This is the very definition of fraud and predatory lending practices and I would like to get assistance to have the debt reported accurately as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT

Complaint narrative:
I bought my car 7 months ago from carhop. I've been caught up and timely in all my payments. I've had the engine replaced at XXXX miles which I feel is rather soon. Thinking the car was good after the replacement I went on a trip to the coast with my girlfriend dog. We had more problems its costs us nearly 3 grand, we took the car to XXXX XXXX XXXX XXXX XXXX and we found out our cv joints were stripped by the previous mechanic and our axel was cracked. we have photos and statements from XXXX XXXX. We fixed the cv and axel and headed home in the Nevada desert where we lost power we got towed to a town more out of pocket costs and we called carhop the mechanic we find says the alternator had given out car hop replaced the alternator then the car turns on but gas does not work now we are stranded in a small town in Nevada its day 3 the financial costs of all this has run us dry and we are looking at a XXXX dollar mother board part to the car and unsure how we will get home we feel carhop hires cheap mechanics. Give faulty cars to people, and charges far too much for them. We found out our car is only worth like XXXX  tops we've paid XXXX for it and still XXXX to go. We don't want this car we want our money back we've paid monthly and timely we don't want bad credit we saw this is happening to so many other people and believe that car hop is a scandalous company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On XX/XX/2020 I was contacted by Quicken Loans regarding a VA Refinance Loan. I am a XXXX XXXX   XXXX FEMALE VETERAN with an XXXX XXXX. I also receive XXXX XXXX XXXXXXXX from Social Security ( SSDI  ). Employee XXXX XXXX asked me to fax documentation required for the process. I did, she informed me she received them. She said that she pulled my credit score & I did qualify for a VA Loan. I had poor communication with XXXX XXXX. On Sunday, XX/XX/2020 I received a Text Message at XXXX XXXX  asking if I was available to talk. I replied yes. After 10 minutes without a call I sent a text requesting a call back after XXXX. It never came. After leaving numerous voicemails and emails, I was contacted by a different employee, XXXX XXXX, on XX/XX/2020, informing me that she would be working with me. On XX/XX/2020 we discussed my loan & options. She notified me that she needed to run the numbers by her Financial Manager. Friday, XX/XX/2020 she informed me my credit score was too low. She said they require a score of XXXX & my score was XXXX. She said they had a program called Fresh Start that helps people in my situation. She said she would transfer me & then I was disconnected. I feel like QUICKEN LOANS disrespected me. I feel mistreated in regard to this loan. I was given no opportunity to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Around XX/XX/20 I applied for forbearance with my mortgage company ( XXXX XXXX XXXX ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My equifax score dropped over 70 points by them making there report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is 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 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
I took out a predatory auto loan with Prestige Financial over a year ago. This has been the loan from XXXX. I was fresh out of ch XXXX BK, and the lender took full advantage of me in a vulnerable state. I'm paying 23.99   % int, and the account manager named " XXXX '' has been harassing me via txt/sms messages and emails for over a year. After a year, I have only paid {$92.00} towards the principal after 12 payments which is complete robbery. I have used loan calculators and can not come up with how they are doing their math. We are currently in a pandemic, and lenders are supposed to work with borrowers, but not this company! I have a string of txt messages dating back months and during the current pandemic of XXXX harassing me for payment even when I'm 5 days late. She continues to threaten to repo the car even during the pandemic and they reported me to the credit bureau 30 days late while I was furloughed due to corona. There is no way this company is operating legally and I need help. I have the text/sms thread of all of XXXX 's continued threats even after I told her to stop harassing me at work she continues to threaten to repo the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX See attatched Credit Reported by USAA OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. USAA CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. USAA OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) XXXX  end XXXX now deliquent 2 ) XXXX  XXXX ID THEFT case XXXX XXXX ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
On XX/XX/2020 I received a Debt Collection Notice from Midwest Recovery System : for {$760.00} in my name, originating from XXXX XXXX. It says the loan originated on XX/XX/2020. It was reported on my XXXX  credit report under my ssn and had negatively affected my credit score. This loan is NOT mine. I believe I was a victim of a scam or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have an amazon chase card. There was a fraudulent charge happened in XX/XX/2020. I reported the charge and they took care of it. But in the first week of XXXX that same charge was rebill to me. Ever since I have noticed that charged again, I have tried calling chase numerous times but I have been dragged from one department to another with no help what so ever. They told me to email the fraud department which I did last week since than I havent heard anything back from them. Customer service takes ages to come on phone and when they do they only say they cant do anything and they refer to fraud department. 
Fraud department dont do nothing about it no reply or nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: KS

Complaint narrative:
I opened an account with First Citizens. I used my credit card to fund the account. I used my debit card for a few transactions at XXXX and set up direct deposit. Then a month or so later, they randomly closed it on me citing XXXX. Nothing has changed on my XXXX report since I opened my account. I used my account for transactions as designed and they closed it making my debit card not work and locking me out of paying rent with it right when rent is supposed to be due. 

When I signed up, I signed up under a promo for a XXXX dollar bonus. They then closed the account after I met the conditions of the bonus. No doubt because they didn't want to pay the bonus. That's a good way to offer bonuses for accounts : you offer bonuses to attract customers, then those who meet the requirements you close their account so you don't have to pay out, and keep those that fail the requirements. Get free accounts without paying a cent. Very unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have applied for a Hardship Loan Modification. XXXX XXXX and Select Portfolio Servicing handles the loan for XXXX XXXX. 

I believe FRAUD is involved here. 

I need a Loan Modification that reduces my Loan rate from 7 % Predatory Loan Yes, XXXX XXXX is redoing my loan and NOT reducing the loan Rate. 

I am going to have to write President Trump for this FRAUD. 

This is my 4th Complaint and Consumer Financial Protection Bureau DOES NOT HELP US! This is a worthless Process, since I am filing my SAME Problem for the 4th time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I noticed that there were XXXX worth of {$5.00} charges on my XXXX XXXX  account from CashApp. I emailed cashapp immediately since there are no numbers to contact cash and made them aware of these fraudulent charges taken from my bank account thru cashapp. I also reached out to my Bank to cancel all cards and report the fraud. Cash app responded on XX/XX/2020 at XXXX thru email requesting screenshots of the unauthorized charges on my account as they could not see the charges in my cashapp. I responded immediately at XXXX sending them 19 screenshots of the unauthorized charges. I recieved a responds from cashapp on XX/XX/2020 at XXXX confirming that the unauthorized charges we not made from my account and I need to reach out to my bank. I called XXXX immediately and they reached out to there fraud department. They stated there's nothing they can do after talking with XXXX I email cashapp immediately to ask if my money will be refunded and they keep directing me to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just reviewed my credit report and saw accounts linked to my identity theft case still reporting on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

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 2020-04-24 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: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
There has been some misconduct on my credit report, there are accounts that should not be on there that i did not authorize to be open. my identity was taken advantage of and i am trying to clear this up. please help restore the good name i work hard to build.

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