vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Filed complaint XXXX with CFPB. 
Collection Agency provided a self-serving unresponsive response to said complaint. 

Collection Agency claims they have provided a written response to me indicating that the account in question had been " settled '' No response has been received. 

A settlement implies that I made some sort of payment when nothing can be further from the truth. 

Collection agency must provide a TRUTHFUL written response to me indicating that the matter was mistakenly sent for collection by XXXX XXXX. There was no settlement. 

Collection agency must also indicate whether or not they provided any information to any credit reporting agency with regard to me or the matter at hand ; and if they did, that they have caused such information to be withdrawn. 

The names of the credit bureaus are also to be provided to me.

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 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Unable to link my bank account with other financial services accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Self Financial Inc.
State: CA

Complaint narrative:
I spoke with company confirmed fraud was the cause

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!

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 2020-07-15 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: OH

Complaint narrative:
- My name is XXXX XXXX, last four of my SS # IS XXXXMy account number is XXXX. I am writing to dispute the late payment reported by Kohls. I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with KOHLS and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Kohls! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. Kohls needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
No debt was ever owed to XXXX. In XXXX, XXXX mishandled all student loans as well as all tuition fees and costs. XXXX also promoted a hostile environment and a very unhealthy cancel culture. 

Aside from all of that, the referenced account that was mishandled by XXXX was opened XX/XX/XXXX and the DATE OF LAST ACTIVITY on that account was XX/XX/XXXX. 

BOTH DATES ARE MORE THAN SEVEN YEARS OLD AND THE FCRA BARS ANY NEGATIVE CREDIT REPORTING OF THIS XXXX  MISHANDLED ACCOUNT. 

Any and all federal student loans have been forgiven by the U.S. Department of Education due to permanent and total disability as of XX/XX/XXXX. There is no balance due on any federal student loan. 

XXXX placed a fraudulent claim with Reliant. 

Reliant is in VIOLATION of the FCRA by reporting negative and disputed information after the expiration of 7 years from the date of last activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-15 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: CO

Complaint narrative:
Reported inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
Contacted company on XX/XX/XXXX about account owed, amount XXXX, asked rep to to settle at 75 %, was told can only settle at 55 % for {$300.00} or 50 % at XXXX, told me it would reflect on credit report as settle in a lesser amount, asked to if settle amount of XXXX could be accepted, Rep.said no only XXXX and removing from credit report today would only be accepted These amounts do not add up, unfair and un reasonable amounts, percents are incorrect. 

This account is a auto insurance policy that was cancelled in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 XXXX all 3 bureaus ) 60 days late as of XX/XX/2020 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2020 I made a payment in excess of what I owed on my vehicle loan. The payment was for {$620.00}. For whatever reason, the payment was not applied to my account, I contacted the company immediately, but they have a procrastinated, terrible, and antiquated way of communicating. 

On XX/XX/XXXX, I spoke to one of their CAT agents, who was supposed to resolve the billing issue, ensure no back interest, late charges, etc. 
I was advised it would be resolved within 24-48 hours. It never was. 

Ive been communicating to Hyundai via their XXXX attempting to engage someone in their executive leadership team, because this practice is violating federal and state laws governing Fair Debt Collection practices. And this is an egregious example of such, I had to instruct the collections Dept. of this company to suppress credit reporting, or Ill initiate an immediate lawsuit for violating the above rights I hold as a consumer, and for violating my vehicle contract. 

I have since made multiple efforts, multiple emails, multiple calls, and multiple messages to their corporate twitter. 

In all instances the matter continues, is exacerbated by them telling me Im delinquent or routing me to their internal collections team, then telling me their trying to collect upon a debt I do NOT owe them. 

This is not only illegal, its despicable. 
The company agent advised me that their was an internal billing system change/update, which caused this problem not just for myself but for countless customers. 

Hyundai took NO action to notify customers affected, nor did they attempt to inform customers that they would take proactive actions to mitigate inappropriate, and or unlawful collection calls or attempts, especially for debts that are not in a collectible state. 

As of today XX/XX/2020, their rude customer service agents still have not resolved this issue. 

I will NOT be making any payments to my account, until this issue is resolved, and if Im charged late fees, or added interest beyond my normal due date, that will not be remitted to this company. 

Ive been speaking to your agents whom are paid by your consumers, such as myself, and this issue is unacceptable, likely illegal, and will not be tolerated by this consumer any longer.

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 2020-07-15 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: States Recovery Systems, Inc.
State: CA

Complaint narrative:
On or about XXXX 2020 XXXX reported to the credit brewery or their recovery which is states recovery system that a balance of {$1300.00} was old I never opened this account this was not authorized by me or no one had authorization to sign me up for their services which I believe was some energy service or utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: DC

Complaint narrative:
I disputed this same account with a company called Midwest Recovery Systems, and it looks like the same company has just changed names and put it back on my credit reports. They changed the name to XXXX and reporting the exact same account and amount, after removing it under the name Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
There is a charge on my mortgage statement for {$83000.00}. This charge is identified as " deferred interest ''. I have disputed this charge, and solicited legal advice, at considerable expense, to advise me on the legitimacy of this charge for deferred interest. My lawyer informs me that he sees no basis for the charge. He has written two letters with extensive legal citations to persuade SPS Servicing that this is not a valid charge. Responses from SPS have been insufficient and pro-forma. I will attach extensive record of written communication to document 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 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
The date of collection reported on my credit is inaccurate. I spoke to XXXX XXXX XXXX on XX/XX/XXXX in reference to account # XXXX and the collection date should be reported as XX/XX/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 2020-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

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 2020-07-15 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: OH

Complaint narrative:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

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 2020-07-15 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: PLAZA HOME MORTGAGE, INC.
State: FL

Complaint narrative:
I have contacted XXXX and XXXX about this issue numerous times in the last year and have gotten no resolution, I am told to contact the creditor that refuses to correct the information even though I have a court issued Discharge and Creditor matrix proving that the accounts are being incorrectly reported. The accounts are : - Plaza Home Mortgage  this account was included in the bankruptcy and is still showing late and does not reflect as being included in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XXXX XXXX, XXXX. On XX/XX/XXXXXXXX, I called into XXXX   after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from XXXX. 
I called into XXXX many times in reference to disputes that I had placed with XXXX, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that XXXX  couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from XXXX at my updated physical address in XXXX of XXXX. which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of XXXX in the areas that works to prevent identity theft, where one purchases a plan from XXXX. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at XXXX in the past also in the middle of a phone call. I have had to call them back many times. 
Since XXXX XXXX  and until my phone call with XXXX today, XXXX XXXX my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/XXXX  my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.

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 2020-07-15 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: OH

Complaint narrative:
Cap One-My name is XXXX XXXX-XXXX. I have two accounts ending in XXXX and XXXX. The last four of my SS # is XXXX. I am writing to dispute the late payment reported by Capital ONE I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with Cap One and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Cap One before hitting me with late credit reporting! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. They need to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE!

Company response to consumer: Closed with explanation