vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX  who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: AL

Complaint narrative:
Phoenix Financial reported an account on my credit report on XX/XX/2021. I had not received any documents from this company before they reported this account on my credit report. This is against the law! The company sent a settlement letter to me dated XX/XX/2021. See both attachments. You will see the date the account was reported on my credit report and you will see the date of the settlement letter, which is after the account was reported on my credit report. Again, this is against the law. A COMPANY CAN NOT REPORT AN ACCOUNT ON MY CREDIT REPORT WITHOUT FIRST SENDING A LETTER ADVISING OF THE ACCOUNT AND GIVING A XXXX  DAY PERIOD TO REQUEST VALIDATION. PHOENIX FINANCIAL DID NOT PROVIDE THIS LETTER THAT IS REQUIRED BY LAW BEFORE THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I purchased a used vehicle and financed it through Westlake Financial Services. The loan amount and the interest rate do not calculate to the 40 % interest being applied to some payments. I've overpaid my monthly payments to the sum of {$2500.00} in 5 months and only {$1300.00} has gone to principal at 11 % APR. I called Westlake Financial and was put on hold then disconnected. I called again and was to " just consider what's not in the contract, there is a $ XXXX charge for interest. '' At this rate, with an XXXX APR, I will pay almost $ XXXX on a $ XXXX loan. 

Please advise.

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 2021-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
I had a HELOC  with XXXX XXXX XXXX  secured by my home. I owe nothing on the mortgage or theHELOC. 

When bank was sold to Specialized Loan Servicing my loan documents were apparently sent to a wrong address. I knew nothing of change until a check on my XXXX   was returned for NSF. 

I have called Specialized more than 20 times and have spent hours on hold. Every customer service agent says to email them a change of address request and copy of my drivers license. I have done this five times. 

I have repeatedly asked that they either send my documents and check blanks for my HELOC  or release my mortgage so that I can take my business elseware. I have a mid XXXX credit rating and will have no problems replacing their loan. 

It appears that since they refuse to release my mortgage or honor our loan agreement that they are hiding something. I think that they are stealing my identity for some reason. 

They will not give me a name or phone number of one person who can fix this.

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: AZ

Complaint narrative:
account re added the same XXXX  account to my collection with out a XXXX  day reinsertion notice, by a new debt collector was with XXXX now with Afni, XXXX reported I owe {$190.00} Now Afni report I owe {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This credit card balance started in XX/XX/XXXX when I went to a XXXX  service. I was in pain when they offered a care credit plan to pay for the future services that I was about to receive. Under that circumstances, I agreed to it. The XXXX  was not able to find the reason for my continued XXXX pain so I decided to stop going there. On the other hand, I sent my 1st payment of {$50.00} to care credit to honor what I signed for. Then I asked the XXXX XXXX place to canceled all planned services and they agreed. Also, Care Credit refunded my first {$50.00} payment sent, and apparently, my account got closed ... That's what I thought ... I also received a statement with XXXX  balance. After a while, I started to receive statements again. I called care credit and they told me that sorry but your claim was resolved and you still owe that money. I made several attempts after that disputing the charges, again, and again, and again ( all cust ser, collection serv, and managers were recommending me to file a new dispute ). After having so many attempts to resolve the charges, I called my XXXX XXXX to see my options and they told me to go back to the same XXXX and get my XXXX XXXX  since they already paid for it and I have the debt on the care credit. So, I called care credit and I decided to settle the account since I saw that they were not able to do anything for me ... The very next day I returned to the XXXX  ( they gave me an appointment right away for my XXXX  and I paid out of pocket my deductible ) they also showed me that they refunded {$160.00} and {$550.00} to the care credit card!!! Those credits were never applied to my account!!! I had all those years disputing a charge that was already refunded in XX/XX/XXXX!!! I can say that in XX/XX/XXXX there was only one manager that found those credits under but under a different account number and she promises me that it will get resolved ... Two days ago I reviewed my credit report and it still shows the care credit with a debt of {$1300.00}. I have been calling care credit like 7 times a day, and in the end, all people from customer service are hanging up on me ... they all said that they can not go back to XXXX to see the credits and they can not transfer me to a supervisor ... one said that a supervisor will call me but nothing yet. This is affecting my credit report big time now that under this circumstance I need to refinance my house ... 
I would like to add that my XXXX XXXX place acted in good faith and refunded the money in a timely manner. It is the care credit card that is failing its duty to me as a customer.

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 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC
State: IL

Complaint narrative:
Ive been receiving different Collections notices Attached to JHPDE Finance I LLC from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was XXXX XXXX XXXX who Never answered my Complaint with the CFPB regarding this matter and now JHPDE Finance I LLC has sent this Fraudulent debt to XXXX XXXX , XXXX I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and JHPDE Finance LLC keeps circulating the fraudulent debt around with knowledge its Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
THIS IS NOT A DUPLICATE ... 
I am STILL AFTER A YEAR, trying to resolve a dispute with synchrony mastercard for paypal ( a charge card that I have stopped using for purchases myself, and after doing so and submitting my first complaint to CFPB on XXXX, XXXX about synchrony bank have seen both this paypal card and my old navy card have credit limits on each of {$4000.00} reduced to only the amounts being disputed..the old navy card having only {$170.00} as a limit now instead of the {$4000.00} and I have never been late with payments but am not required to pay the disputed amounts ). Besides that synchrony " closed my dispute '' # XXXX with CFPB " >After careful examination of synchrony 's letter dated XXXX XXXX I see they provided a copy of the XXXX purchase of {$560.00} on XX/XX/XXXX and a refund receipt of XX/XX/XXXX. Upon further review ( I have noted for you and will attach later ) that what they say are refunds of {$59.00} and {$440.00} are not supported on my dispute as the receipts they show for the original purchase have different SKU numbers on the 2 @ {$59.00} and the other returned items show $ XXXX on their supplied receipt that goes on to say " system error ''. 
I am still disputing this complete amount of {$960.00} as I have been disputing for almost a year now! ..Also I have noted that her letter states these items are '' now subject to interest charges.. '' She does not note anything about the other items in dispute so I am assuming they are not subject to interest, and the already wrongly charged interest of {$20.00} will be credited back until this dispute is properly handled. I am still receiving notifications of late payments from synchrony even though this dispute is recognized by XXXX XXXX, Sr. specialist Corporate Consumer Relations Synchrony bank, and needs the time to resolve and not be forwarded to collections or credit bureaus as they are doing. 
Also note that today I have called the phone numbers supplied and left messages to XXXX but have not been able to get a response at all, and the customer service number when answered has people that transfer the calls and then the line goes dead.

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 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have personal checking Acct ( ACCOUNT XXXX ) and DBA Business checking Acct ( ACCOUNT XXXX ) at CAPITAL ONE BANK. 
Account 1 had a balance of {$8300.00} Account 2 had a balance of {$5600.00} Total available at the Bank was {$14000.00}. ( Attachment 1 ) The Bank froze my accounts, denying my all scheduled payments- and claimed my Accounts were under investigation ( BY THE BANK. ) ( Attachment 2 ) They weren't forthcoming with any information even after in person visits or through phone conversations. Since XXXX XXXX. However, I could still review my accounts online. 
Suddenly, my online balance, went to {$0.00} and showed withdrawal. ( Attachment 3 ) Again I visited a Branch in person to find out where my money was, who did the withdrawal. The Bank provided numerous and different places my balance money was sent to. the bank claimed my money was sent to Secret Service, FBI, IRS and finally SBA. No agency had a report of the money. 
On XXXX I received a Letter dated XXXX that the Bank CLOSED my account and WOULD BE SENDING CASHIER 'S CHECK. ( Attachment 4 ) As of XXXX NO CASHIER '' S CHECK has arrived. I have contacted Bank on several occasions and again been told- " It was sent to SBA '' however, SBA hasn't received any CHECKS from the Bank . 
CAPITAL ONE BANK HAS BASICALLY STOLEN MY MONEY! I tried filing a Police Report for my money but XXXX County Sheriff Office refuses to write it up. 
RESOLUTION BE PROVIDED MY {$14000.00}. STOP THE ABUSE/THEFT FROM THIS BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
The XXXX  XXXX accounts XXXX, XXXX, XXXX. Were all settled on or before XX/XX/2021. These accounts are still showing open. They must be marked closed and paid. 

Additionally XXXX account [ XXXX  XXXX ] .. XXXX has been setled and need to be reported as paid as agreed /no balance

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 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One/Saks Fifth is acting unreasonably as it relates to the one late payment in XX/XX/2019 which was the only during the life of the account due to financial hardship. I have made attempts to contact them via mail and phone without resolution. I am being told different things about goodwill adjustment and nothing is clear. I want the 30 days late mark removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: I.C. System, Inc.
State: NY

Complaint narrative:
I disputed the amount claimed for terminated cell phone service with XXXX and its collection agency. I then filed a complaint on this site. The collection agency, XXXX then sent an email stating that it was no longer handling the account. I was told to contact XXXX directly. XXXX then forwarded me to I.C.Systems. I.C. Systems advised me via telephone that it has opened up an investigation with XXXX. The dispute is never investigated and addressed. The account just gets transferred and the cycle and damage to my credit continues.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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:
XXXX Dear Sirs and Madams : Hope you're well. I had a XXXX lease for a XXXX XXXX XXXX that matured in XX/XX/XXXX, at which point, I returned the car. I ended the lease with a flawless payment record. At some point, over a year later, I noticed that the XXXX account had been reporting as late and a charge off on my credit profile with the three major bureaus - XXXX, XXXX and XXXX - for 14 consecutive months ( XX/XX/XXXX XXXX XX/XX/XXXX ) (!!!! ). I immediately inquired about the derogatory remarks by contacting Hyundai ; Hyundai stated that there was an unpaid balance, perhaps for damages. Hyundai also mentioned that they would fax me an invoice. Unfortunately, I had never received any invoice at all from Hyundai after I returned the car in XX/XX/XXXX and I didn't receive the promised fax after I called Hyundai about my credit profile. Finally, I managed to obtain ( through my own efforts ) an invoice for post-lease charges and I paid the balance immediately. 
The fact that I did not receive an invoice from Hyundai for the post-lease expenses until I called them over a year after I returned the car, is now causing 14 lates and a charge off status on my credit profile through no fault of my own. Due to the fact that a post-lease invoice never reached me, makes the negative remarks and charge-off status on my credit profile misleading and untruthful, despite the protection offered by the Fair Credit Reporting Act. There must be policies against such unfair business practices. My Hyundai account should rightfully reflect the flawless payment history that I maintained for the life of the Hyundai lease, without punishing me for the fact that Hyundai failed to inform me of post-lease charges for over a year, and which I paid immediately upon obtaining through an invoice through my own efforts. I have contacted Hyundai credit dispute department by mail and received an unacceptable, canned letter in response not even recognizing what had actually happened.

Please let me know what can be done to restore my credit worthiness.

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 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC
State: WV

Complaint narrative:
XXXX XXXX keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!

Company response to consumer: Closed with explanation