vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
My auto insurance was cancelled on XX/XX/2020. On XXXX XXXX 2020 I was told I owed around {$1300.00} in order to keep the policy. A bill I received as of XXXX XXXX 2020 from XXXX XXXX stated I owed $ XXXX {$600.00} more than I believe I should owe. I contacted XXXX XXXX and was sent a statement of transaction history- that made no sense. When I tried to get details - I was given the same information n and no details. I received a collection notice from Credit Collection Services on XX/XX/XXXX and I immediately sent a letter disputing the amount and demanding additional details on how XXXX XXXX came up with the amount of {$1900.00}. By all my calculations I should only owe around {$1300.00}. On XX/XX/XXXX I received a letter from XXXX with the SAME statement attached and no details. On XX/XX/XXXX I received another letter from XXXX saying they were pursuing the amount of {$1900.00} and would be reporting it to the credit agencies if I did not pay. I sent a letter with all documentation ( Also attached to this request ) again requesting DETAILED and understandable language of how the amount of {$1900.00} came about. If I only owed {$1300.00} on XXXX XXXX 2020, the policy was cancelled on XX/XX/XXXX 2020- why did I get a bill for {$1900.00}? Also, if I divide the amount of the initial policy by the months insured and then subtract out the payments made- the amount comes out even less than {$1300.00}. By my recollection, I only made two changes to my policy from XXXX thru XXXX I added a vehicle for only TWO days ( because I changed my mind and did not purchase the vehicle ) I believe I then added a vehicle owned in our household- that is paid in full- and there is no way this addition for two months would cause an increase of more than a couple hundred dollars for the time I had it insured.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: TX

Complaint narrative:
On XX/XX/XXXX of 2019, I purchased a XXXX XXXX 2019 at the XXXX XXXX in XXXX, Texas. While the buying experience was pleasant, I did feel somewhat under pressure to purchase. I visited the location just me and my daughter. After the purchase, I felt like I had gotten a bad deal regards the monthly payment and considering that I have zero upgrades in the car but rather the base model of the XXXX line. This was the first time that I purchased a new car on my own and I lack somewhat of knowledge in that area. I was made aware by a friend recently that I had gotten a bad deal for a leased car with no upgrades and the car had 300 miles on it when I received it. My monthly payment is XXXX USD for 48 months. Furthermore, I have to pay for maintenance, I had to pay XXXX dollars to have my tires rotated. 

My current Payoff quote amount is : Residual Value : XXXX XXXX Remaining Future Payments : XXXX USD Lease Charge Rebate : - XXXX USD Buyout Amount : XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Midwest Recovery Systems
State: TX

Complaint narrative:
i called the collection company and explained to them i was a victim of fraud ... The company is looking into it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX promise to delete this from my account if I started paying it I have almost paid this off and they have still not kept their end of the bargain they need to delete this immediately I have reported this to Equifax and they have not fixed the problem yet or sent me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX 2020 I lost my job due to covid and had no savings to fall back on. I contacted Capital One immediately and asked for assistance by postponing my payments so I could try to continue to pay rent and my auto loan, which is also with them. They agreed to postpone payments on my credit cards until I was gainfully employed again on two of my credit cards. I began work again on XXXX XXXX, 2020 and before my first paycheck deposited I checked my credit, which stated I was late, and later charged off, from XXXX to XXXX. When I reached out to them they told me that the covid disaster was unfortunate but there was nothing they could do. I never has any communication from them beofre I reached back out to them informing me of this. This is destroying my credit and making it very difficult to provide for my family. Please don't let this pandemic affect our lives for the next seven years, if the late payments are dropped I can begin paying much more that the minimums again now that I am back to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: WY

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a charged off account with capital one that was opened without my knowledge ; However I am taking responsibility for this account. I have no problem taking ownership ; On XX/XX/2020 I called capital one to try and resolve this and they didn't want to resolve it. The customer service agent did nothing to help or resolve this matter. Because this account was opened without my Knowledge I requested that if account was paid off in full will capital one remove or delete from credit profile.. Capital one refused payment and told me that I have to keep an account or trade line even if I don't want one with them, and deleting the account will never be an option even if don't wan na do business with them. This is completely unethical to force someone to do business with them and refuse payment but keep reporting negatively even though I tried to pay..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked Experian numerous times to please send me a signed copy the account that is sad that I opened a XXXX XXXX  account all the charges that were supposedly made by me I have never had nor open or gotten any items from XXXX XXXX. XXXX   and XXXX deleted this account from my credit report because they could not send me anything proving this was my account please Experian send me the proof or delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: WY

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) I have attached a copy of the cashed check dated XX/XX/XXXX to show payment was made timely. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have had 2 accounts on my credit with Doctor Business Bureau.  Called again XX/XX/XXXX to request detailed info, they would not release the info nor send me info in regards to these accounts as they state on their end shows in dispute, would not advise when it was opened. I advised per my credit report I don't see an open dispute. They went on to give me the name on the account which happens to be my maiden name which I do not go by for years now. I have not had services where they indicate these charges are. These charges are from XX/XX/XXXX. They stated I need to mail them my ID, ID Affidavit notarized and a police report for them to release from dispute and send me the info they have for me to confirm and review if mine. These 2 collection accounts are not mine and they are giving me hoops to jump thru in order for me to review what is on my credit and putting on my credit which does not match my name. One account shows UNPAID in the amount of {$130.00} and another UNPAID in the amount of {$180.00} Was given account number 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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
Mortgage was transferred from IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE to XXXX XXXX XXXX I receive notification of transfer on XX/XX/XXXX that the transfer would happen on XX/XX/XXXX. I tried to cancel the auto payment to IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE and I also called to try and stop the payment. They stated that the auto payment was already started. 

OnXX/XX/XXXX, Cash Cash took the mortgage payment of {$910.00}. I called XXXX XXXX  to Notify them that Cash Call had taken my payment, XXXX XXXX told me that they were going to take a payment also. I told them that I didn't have enough money in my account for two mortgage payments. But on XX/XX/XXXX XXXX XXXX took another payment leaving me with an almost {$0.00} balance after outstanding payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXXComenity Bank which states my account is in derogatory status when that is incorrect. 

I entered a payment agreement with XXXX XXXXComenity Bank when they sent my account to collections with XXXX XXXX XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. 

I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX XXXX It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement. 

The company 's response to my prior complaint is that they do not have an arrangement on file when I have recorded the specifics of our arrangement and made notes ( please see above explanation ) and I can also provide proof of payment via my bank transactions on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
The Company is Capio Partners. They have been harassing me about a medical bill that has been paid by my hospitals FAP plan. ( Financial Assistance Program ). This account seems to be brought out by 2 debt collection agencies and is appearing on my credit report. The hospital shows it was paid, but the debt collector does not have any information other than the charges, does not show breakdown of charges. dates, etc. This is effecting my credit and I do not want it brought out again by another debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: AZ

Complaint narrative:
Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. 

I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, Equifax, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' XXXX services provided on XX/XX/2018, as alleged and reported by XXXX and XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

XXXX. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX XXXX provided on XX/XX/2018 as alleged by XXXX and XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, Equifax, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

IV. 

The foregoing considered ; I respectfully request : 1. Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to XXXX as provided to Equifax, XXXX, and XXXX consumer agencies by Harris and Harris. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Notice of Dispute for Debt Not Due Under the Fair Credit Reporting Act I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with XXXX, XXXX, and XXXX consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX ( XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) services provided on XX/XX/2018, as alleged and reported by Harris and Harris, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX. 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by Harris and Harris. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX balance. As there is no balance due XXXX  there is no debt due XXXX/ XXXX. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with XXXX, XXXXXXXX  and XXXX  consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity XXXX {$360.00} XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity XXXX {$360.00} XXXX $ 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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hello, my loan has been paid in full with an balance refund due to me from overpayment in the amount of {$590.00}. Chase cut the check to be sent to my home on XX/XX/XXXX. I still have not received my check. I have tried to get the matter escalated via customer service but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: CA

Complaint narrative:
There is a company called XXXX in this address XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX which has been calling me for more than a year and asked me to pay a hospital bill six years ago. But I told them that my last name was wrong and I have medical insurance and all members of my family and I asked them why I don't pay and I have medical insurance? Then the company asked me to send a copy of the medical insurance card, and I actually sent them a fax by a year ago and they told me to consider the problem had been solved. But after a year I was surprised to see a negative report from that company on my credit record.Now that company refuses to answer my calls without making any excuses and speaks to me in an insulting manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The due date for my credit card was due on XX/XX/2020. I made a payment in the amount of {$200.00} ON the due date of XX/XX/2020. It was withdrawn from my bank account already. Synchrony Bank, however, is charging a {$50.00} late fee saying the payment was late even though it was made on the due date. The company stated that it take several days to update in their system and I was charged a late fee. However, that is false since I have confirmation the payment posted on XX/XX/XXXX. This company is just scamming people out of money.

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