vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
being under " Forced Action '', threat, and XXXX, I was not given full disclosure of contract. I was not presented with a " True Bill in Commerce or security Agreement. Company was sent a Accord and satisfaction letter with tenderized payment, along with General Release of Liability Agreement and Affidavit of Demand for Verification of Debt. But no response for demanded documentation requested. 

Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to enforce payment. 

" any attempts to collect further payments on my automobile loan will be construed as " XXXX XXXX '' evidence of committing fraud ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX purchased home through Countrywide with a negative amortization first and second. They went out of business and Bank of America took over the loan without the option of converting the loan. 
We continually paid $ XXXXmo in mortgage payments ( verifiable on BofA 's letterhead spreadsheet until XXXX ). 12 years = $ XXXX. BofA still foreclosed on our home. 

BofA never took a loss on our home. They sold it 3 times and made a profit each time. 

There are previous complaints filed to the CFPB regarding this after all attempts to prevent foreclosure : Make Home Affordable, Project Sentinel, letters to the former Chiefs of Staff.

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 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX I received a notification from XXXX, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from SunTrust Bank regarding an account that was opened as a result of identity theft. XXXX further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,

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 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
There is a PayPal credit card in my name that I never applied for I got a prepaid card that's it but when I call about it it gives me a different card I don't have and also they say its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has been harassing myself and my family since 2016. They have called my parents multiple times a day, everyday, even though they have repeatedly told them I do not live at that residence. For the last couple years the phone calls have been nothing but auto dialed calls with no one on the other line to speak to just a beeping noise like a fax machine with an obvious intent to harass and annoy while causing extreme embarrassment, stress and anxiety on myself, while irritating, annoying and angering my family. The debt is now time barred and the judgment they tried to bring against me was dropped. There is NO reason for anymore communication between myself, my family and Portfolio but they have been relentless in there illegal and frivolous efforts to harass, bully, coerce and mentally abuse me into giving in to there demands.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I spent XXXX $ at crate barrel retail store as part of the promotion ( XXXX $ refurbishing store credit ) for new card bonus run by American Express. I kept checking with the representative many many many times after I made the qualified purchase and every time I was told I will get the credit after XXXX weeks. However on XX/XX/XXXX they told me my purchase is not eligible so they couldnt issue me credit. 

The specific reasons they provided are : XXXX. The store I purchased from is an outlet store which is not qualified.

2. My purchase was for business purchase However, I purchased at crate barrel store located in XXXX XXXX XXXX in XXXX which is not an Outlet store. Also I have attached the receipt for my purchase. It clearly shows what I purchased at which store and it is for personal use not business order. 

However, the Amex representative just refused to check my receipt. 

I am very disappointed by how Amex treated its customers. If you dont have enough budget you shouldnt run such promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31 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: FL

Complaint narrative:
XXXX  XXXX  Original creditor : XXXX XXXX {$120.00} Balance updated XX/XX/XXXX XXXX  XXXX Account number XXXX and XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX  XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX/XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX  XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card US DEPT OF EDXXXX Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Inquires US SM BUS ADMIN ODA XXXX XXXX NA RESIDENT VERIFY 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 2021-10-31 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Barclay Bank Delaware Juniper Credit card has adversely reported ( 30 days ) late payments for the entire year of XXXX, XXXX partial XXXX and ( XXXX ) month in XXXX. I can provide bank statements refuting any late payments for the entire year for XXXX, XXXX, XXXX and XXXX. The account was in fact set up on automatic draft payments. I paid off the account in earlier part of XXXX. I noticed a 17 point drop in my credit score when no changes, late payments or new accounts opened have been made on my end. Only after requesting my credit report I have identified that Barclay Bank Delaware Juniper credit card had reported receiving late payments of 30 days in the years listed above. I have contacted Barclay after paying and closing the account in full XXXX. I was ensured that everything was paid and properly closed.

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 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My PayPal account associated with my email XXXX '' was limited on XX/XX/2021. At the time the account was frozen there was {$830.00} in the account. I was told repeatedly by PayPal that the money would be held for 180 days and as long as I did not have any chargebacks or cases opened against me, it would be refunded. PayPal even admitted on XX/XX/2021 in response to a case that I opened against them through the XXXX  XXXX  XXXX  ( screenshot attached ) that The money belongs to you and that its being held in reserve to cover and disputes or reversals that may be filed against you. However, contrary to their repeated verbal and written promises, when the waiting period passed and I did not have any of these types of claims filed against me, they still kept my funds for damages they had incurred. ( screenshot attached ) It is my argument that PayPal did not suffer any monetary damages as a result of my use of this account and have no valid claim to this money. 

Furthermore, PayPal currently has suspended and put the same hold on another PayPal account that I have under the email XXXX in the amount of {$2700.00}. They told me the same, that my money would be released after 180 days and I am concerned that they again, will not keep to their verbal and written promises. 

This money is rightfully mine as PayPal stated. No claims are or have been opened against me by any other person or business that I did business with via PayPal. I am asking that the CFPB to help me in forcing PayPal to release my money from both accounts in the amounts of {$830.00} and {$2700.00}, for a total of {$3600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-31 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I received a modification from Rushmore on XX/XX/2021. I didn't pay the XXXX mortgage but called the modification department 4 or 5 times to ask if I needed to pay the XXXX Mortgage. I was told by each representative that I clearly didn't have to make a payment since my trial period would star in XXXX. I was also told that I wouldn't receive any credit reporting on my credit report until XXXX. I then received a letter from Rushmore on XX/XX/2021 that loan was being transferred to a new mortgage company XXXX as of XX/XX/2021. I paid the first trial period payment on XX/XX/2021, before the loan was transferred in accordance with the Trial Period agreement. Just this week after my loan has been transferred Rushmore reported me 60 days late on my credit report. I filed a dispute with XXXX and Rushmore refused to change the reporting even though I honored the Trial period and paid the first payment timely. At the time I was not behind on my mortgage when I received the modification. I would like this removed especially since it was told I didn't have to pay XXXX and my trial period started in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
My mortgage loan account XXXX used to be with community loan servicing llc my property address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX my social XXXX year of birth XXXX I was approved for a loan modification my first payment would be XXXX due XXXX XXXX with a grace period it was approved by Mr XXXX XXXX title asset manager phone XXXX XXXX XXXX faxXXXX  XXXX XXXX. On XX/XX/2021 I got fed ex agreement I affect the modification. .my complaint is that my loan was sold to a new servicing company called Selence finance their phone number is XXXX XXXX XXXX my new account number is XXXX my name on loan XXXX XXXX XXXX 3 social security number is XXXX and my year of birth XXXX I was advised by my prior lender XXXX  that the new lender selene finance will honor my loan modification. But when I called serene finance at XXXX XXXX XXXX they told me XX/XX/XXXX that my information from XXXX XXXX XXXX  XXXX  is not in their system yet and once it is I have to do modification all over again. I talk to prior lender at XXXX XXXX XXXX XXXX Mr XXXX XXXX that did approved me. At phone XXXX XXXX XXXX. That serene finance has to honor that modification that approved by the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo issued to my company, XXXX XXXX XXXX XXXX, a cashier 's check for {$2500.00} chq # XXXX dated XX/XX/XXXX that went to a former and old office address in XXXX XXXX, NV and got forwarded to my correct address. I received the original check here in XXXX, XXXX, so there was no need for me to get a notarized affidavit. 

According to Wells Fargo 's letter dated XX/XX/XXXX ( attached ), the deadline to respond to their letter was before XX/XX/XXXX. Immediately on XX/XX/XXXX I sent an email to unclaimed XXXX about the matter. On the same day, I received an auto response from Wells. On XX/XX/XXXX, I sent another email to Wells. Until now XX/XX/XXXX, over 2 months, no Wells Fargo team member has responded to my email. I also called their XXXX number but no one is attending to that number as well. 

I followed up with a letter to Wells Fargo on XX/XX/XXXX ( attached ) to send me a replacement check to be mailed to XXXX, XXXX, the specific address of which is already on their original file for my company. They have already sent me checks to this address in the past, so this is not new address to them.

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 2021-10-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I, ve been attempting to dispute a couple of accounts on my credit reports from years ago. Investigation took more then 30 days. Still yet have to get a response from some of the 3 creditagencies on the result of the invention. During the covid-19 pandemic Ive been forced to move out of my home, repositioned to unemployment causing me to be backed up on bills. Making it more difficult for me to find a good job and a place to actually live .During the period these accounts was established I was very happy with the services. I was however not the ideal customer and made mistakes with the handling of my account. I should have kept better records regarding my accounts and I take full responsibility. I know that payment was my responsibility and I am not attempting to justify the breech of the agreement with you. However, I was hoping you can reconsider these old negation emails standing tradlines associated with this account.

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 2021-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: DE

Complaint narrative:
Scam alert!! Debt Collection on credit report by SIMON 'S AGENCY, INC. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX in the amount of {$350.00} for medical care. My Medical insurance, XXXX XXXX, pays full coverage for all of my medical services. I have Explanation of Benefits showing all claims are paid in full. The Simons Agency fraudulently attached this medical debt. The origin is listed as XXXX " XXXX ''. This is a non-existent medical provider and spelled incorrectly. Please remove this fraudulent medical debt. I am a XXXX XXXX XXXX and this has lowered my credit score dramatically. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BOA HAS SEN T THE ATTACHED NOTICES REGARDING OUTSTANDING FEES PERTAINING A LOCK BOX. I HAD A LOCKBOX BETWEEN XXXX TO XXXX. I CLOSED THE BOX AND SUBMITTED THE KEYS, IF I CAN RECALL I CLOSED THE ACCOUNT AT THE XXXX XXXX GEORGIA BRANCH OR THE XXXX XXXX BRANCH, KEYS WERE SUBMITTED, I DO NOT OWE THE ATTACHED PAYMENT AND WILL NOT BE RESPONSIBLE FOR THE FEES ATTACHED, .THIS BETTER NOT BE PLACED ON MY CREDIT BUREAU ALSO, IT ; S BAD ENOUGH BOA FACILITATED A FRADULUENT LOAN ON ONE OF MY HOMES, AND SABOTAGED ME BE LOSING ONE OF MY CHECKS I DEPOSITED.

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 2021-10-31 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: FL

Complaint narrative:
On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. Easy Peasy. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative _employer number ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
When I called the representative they kindly agreed to have Dept of Edu Closed Accounts Removed from my Experian & by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1679c. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. 

Credit Report, XXXX XXXX XXXX XXXX have both followed thru this request but Experian has not. 

Its been about more than a Month Later & Still having Issues with Experian by Removing this from 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 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I receive this mail the XX/XX/XXXX. where you told me that you had selected me to pay for compensation for the XXXX XXXX XXXX XXXX for fraud on other occasions. Then I received a call and invited me to cancel 2 payments of {$3000.00}. That is to pay {$6000.00} to make me supposely to me to compensate for Wester Union. The total sum of my compensation was {$100000.00}. Those who were never paid. The first payment that issued me had a tracking number XXXX which validates it and the transfer had been made, but it was never made effective.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I made a claim with care credit 120 days ago and I haven't receive any explanation about my claim yet. Amount {$3900.00}. Thanks

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