vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: IA

Complaint narrative:
To whom it may concern Please may I request your help in resolving a  dire situation. On XX/XX/2019 I purchased a vehicle from a illegitimate auto dealership titled XXXX XXXX  in XXXX  XXXX Wisconsin. The dealership was forced to close shortly after I purchased the vehicle in question.The dealership has now moved to XXXX Wisconsin as their headquarters. The issue in question here is the vehicle was sold fraudulently. The automobile has required upwards of {$20000.00} in necessary repairs. More importantly it has been brought to my attention by the XXXX dealership of XXXX Minnesota that the automobile has been in a major head-on collision ever disclosed. I am involved with a lessor that the dealership is involved with known as Regional Acceptance Corporation that has confirmed to me that my lease terms are for 7 years duration as I was never reviewed the details of the lease nor was I ever given paperwork. The dealership at the time stated to me that their office would send forth all paperwork never to be received. furthermore it has come to my attention that the odometer in the vehicle has been tampered with and was possibly disconnected for a duration of time. I have attempted to negotiate with both the dealership and the lessor to no avail.I have requested to voluntarily surrender the vehicle only to be threatened with a charge-off being reported to all three credit bureaus. This entire transaction was illegal. The vehicle was entirely misrepresented. I have reported the dealership to the Wisconsin Dealership Complaint Board as well as to the Iowa Attorney General, the Wisconsin Attorney General and the State of Wisconsin Consumer Protection Bureau.All service records pertaining are available for review. Thank you.

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 2020-10-14 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: PREFERRED CREDIT INC
State: CA

Complaint narrative:
I am currently having an issue with Preferred Credit. I called them back in XXXX to find out what this account was for. They informed me that though it was for an old vacuum, they were not collecting this debt. When I asked why there is a balance and why it is even on my credit report, they couldn't tell me. The representative spoke to a supervisor and then told me they had nothing to do with this account anymore and it was sent back to the distributor. I even spoke to the supervisor myself and they told me the same. I then disputed the account with the credit bureaus. I never received a response from the credit bureaus or Preferred Credit. I checked up on  my credit again at the beginning of XXXX and the account IS STILL THERE AND STILL HAS A BALANCE. Credit reporting IS an attempt to collect so Preferred Credit should have removed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
When I initially received the service, I was making payment regularly. I have a remaining balance of {$900.00}. Out of nowhere, my balance had increased and the company stated because I have exceeded the promotional period. I told them I was not informed of a promotional period and can I receive a copy of the terms and conditions of the contract. They stated they would not provide it and that it is my responsibility to locate it. They are erroroneously increasing the balance on my account without providing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation

we settled on a price and payment method - CashApp. I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed. I reported the issue to CashApp only to be told there was nothing they could do. First it was nearly impossible to find a way to contact their support team because of how their app and website are setup. They are seemingly TRYING to make it hard for users to hold them accountable for transactions they are facilitating. Every other service
that provides the ability to provide mobile financial transactions provides protection for their users against scams such as these, but they have NO concern that dishonest people are using their service to ripoff honest ones.

I tried filing a claim with my bank to notify them of this fraud, but  XXXX said that because of how CashApp is setup they couldn't resolve the issue on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
As of XX/XX/2020 SLS manually reported to the bureaus an updated balance and now the payment history is not showing on the credit report, causing the score to drop. I have attached pictures showing what my credit payment history looked like with payment history reporting and what it looks like now
without it reporting since your last manual update on XX/XX/2020. 

The credit report now shows no payment history for any of the months.

I am closing on a new house. I was supposed to close this week but due to your error my new loan is now in jeopardy.

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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
https : //leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml? lawCode=CIV & sectionNum=2941 8. ( d ) The violation of this section shall make the violator liable to the person affected by the violation for all damages which that person may sustain by reason of the violation, and shall require that the violator forfeit to that person  the sum of XXXX XXXX dollars ( {$500.00} ). 

XXXX XX/XX/2020 - signed closing documents on REFI MORTGAGE XXXX XX/XX/2020 - I have NOT received my Lien Paid and Satisfied Note. 

I found out XXXX XXXX that the Reconveyance Record dated XXXX XX/XX/2020 was filed with the county and top left corner of the document said Record and Return to XXXX XXXX at a WRONG ADDRESS!!!

That's not my address for this legal document or any other legal documents ... or any junk mail for that matter.

That's not my address at all.

I think the wrong address is why I haven't received anything.

Someone messed up.

Will proper documents be filed with the county recorder 's office and sent to me?

NFCU won't help me. I have called, emailed, emessaged on their website, over and over. I have records. And, today supervisor just emailed me : " Have you reached out to the servicing department for  the paid in full letter it would come from that department. XXXX '' I called from work and was sent to the vehicle loan dept then I held on hold forever ( while calling from work ) I am contacting CFPB because I have no faith that NFCU will fix this problem unless you get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
just got a letter from this company, saying that I owe some money to a XXXX account that I closed years ago, I don't owe any money to that company and my apparently debt with XXXX has passed around to some other debt collectors and I tried to talk to the cellular company but they said that they don't have my file and my file was passed on the debt collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Westlake Services, LLC
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues. Also, I have verified my identity multiple times. They have been done
through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.

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 2020-10-14 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.
Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I qualify for loan forgiveness due to school closure. I have filled out the application several times they keep denying it for different reasons the last reason they told me is because I need to prove I was enrolled at the time the school closed. So I paid to have my transcripts sent to the loan holder Great Lakes who again gives me another excuse. conveniently they apparently didn't receive it so I sent them a copy of the confirmation from where I ordered it which shows the email address it got sent to within their company and they tell me that that's not the correct department that handles that kind of paperwork and I would have to try again. They should have all that info to begin with. I feel they are purposely not approving me and that is not legal. If I qualify I deserve to get approved. I was attending XXXX XXXX  college 's XXXX yr XXXX program when they shut down for financial aid fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I was on my Bank of America phone app. I went to transfer {$5400.00} from my checking account, to my savings account, and accidentally pressed my mortgage account. I called BOA to let them know this was erroneous, and they advised my my case number was XXXX and that the {$5400.00} would be returned to my checking within 7 days. This was after 1 hour and 20 min hold. I called a week later, and a male agent, after another 1 hour and 30 min hold, advised he has escalated the situation, and that the funds would be back in my checking in another 5 days. I waited another week and called again, and waited over an hour, and the female agent advised me that it had not been escalated, and that she would take care of this, and i would see it in a few days. I called yesterday XX/XX/XXXX, and waited on hold for 1 hour 41 mins, before another female agent said " don't you worry sir I will make sure you get the funds back before we hang up the call, and will bring in a manger, stay on hold I'll be right back '', and after waiting another 1 hr 30 mins ( over 3 hours on this call ), she never came back on the line. I have missed time at work trying to make these calls, it is urgent I get my money back ASAP. Can someone please please help me these people are awful.

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 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MI

Complaint narrative:
This company, I have never made or agreed to entering into contract with. They have failed to validate and type of debt I owe. They are making false claims against me by way of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/2020, Convergent Outsourcing, Inc. added a derogatory mark on m credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Certified debt validation letters were sent to Convergent Outsourcing, Inc. on XX/XX/2020 and again on XX/XX/2020. Both times the company sent me a letter saying the debt is valid and attached a bill with no signature or contract as verification. A bill with no signature or contract does not verify/validate this account/collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying it's mine. I have no knowledge of this account/collection and it does not belong to me. According to FCRA, Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2020-10-14 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2020 I was offered concert tickets for an upcoming show via XXXX. After some back and forth in the conversation we settled on a price and payment method - XXXX  I sent the payment, and the person immediately asked me to send more money to a different user name using the same payment method. I told her I would not send any more money until the money I'd just sent had been returned. Further excuses came up as to why I wasn't getting the money returned, and I knew I had been scammed I reported the issue to XXXX  only to be told there was nothing they could do. After MUCH struggle with trying to get assistance from XXXX XXXX I contacted my bank, Chase. I filed a claim within 24 hrs to notify them of this fraud to try and protect my funds and push back to XXXX XXXX to hold the scammer accountable for the false transaction. After Chase did their " research '' I was told they considered it a valid transaction and let the money be deducted from my account. They made no efforts to request evidence from me to validate that I had been scammed and just allowed XXXX XXXX to facilitate this fraudulent act at my expense. A bank their size should DEFINITELY have measures in place to protect their customers from these sorts of illegitimate transactions, and they are just assisting thieves to take money from honest people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
In XX/XX/2020, I was denied an annual credit report from Equifax. At that time, I called their customer service and could not get an explanation for the denial. I called a different customer service number on XX/XX/2020 and was told I did not verify all of the 4 security questions correctly. 3 of the security questions were straight forward and simple. The problem is that one of their security questions was : " What is the numeric portion of your XXXX XXXX address? '' - Being stationed overseas, I do not have a XXXX XXXX address starting with a number. Neither do hundreds of other military personnel and their family members. My address begins with 'PSC XXXX ' so I entered XXXX. This failed to validate. I am submitting this complaint not just for myself, but for others for whom it is impossible to validate this security question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
My name is XXXX XXXX and in 2015 our leasing agency filed for eviction because we fell behind on rent this was our second lease and we were a military familiy and I was awaiting my MEB which is the medical evaluation board for the XXXX XXXX. I am a wounded warrior in a XXXX and the XXXX applied then and the company knew of my military service. Then after they seized our residence they sue us for damages that were non existing. Since that eviction we have been mostly homeless and unable to find adequate housing. They had given the XXXX damage bill to debt collectors numerous times and I try and get it removed it always popped back up. Now they have sued only my wife I'm small claims court. My wife is a XXXX XXXX I am her XXXX do too her condition. They probably oy sued her because she isnt a military member but she is a military spouse. If you could please help us with this situation it would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have been receiving constant calls from representatives at Portfolio Recovery with whom I have no contract with nor have I given my consent for them to communicate with me. They have violated the following codes ; 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692g, Identity theft as defined by 15 USC 1681a ( q ) 3. I have identified 22 instances of each of the 15 USC 1692 codes and 44 identify theft violations totaling 154 violations.

Company response to consumer: Closed with non-monetary relief