vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The very next day I had to take the car to a XXXX dealer to get them to fix the transmission. A few months later the car was repossessed by XXXX XXXX. The car was sold at auction shortly thereafter and XXXX XXXX sent me a notice of deficit after the auction sale. Being unemployed and XXXX I did not have any funds to pay the deficit. The balance remaining after the sale of the vehicle at auction was approximately {$5000.00} This company PERSOLVE LEGAL GROUP purchased the debt from XXXX XXXX and is now trying to collect {$17000.00}. They have added excessive and burdensome fees to the original debt and refuse to give an accounting of where the additional $ XXXX is coming from. Why is this amount so high? What are the hidden fees? Why are they charging three times the original debt? They have refused to provide me with a detailed accounting of where these charges are coming from. 
PERSOLVE LEGAL GROUP is now trying to collect {$17000.00} for a car that XXXX XXXX sold at auction 5 years ago. XXXX XXXX DELETED THIS ITEM FROM MY CREDIT REPORT and now PERSOLVE LEGAL GROUP is trying to collect a debt on a car which I no longer own  for an amount THREE TIMES the original debt with absolutely no accounting of where these charges they claim I owe is coming from. THEY ARE TRYING TO COLLECT {$17000.00} for vehicle that was repossessed and sold 3 years ago. The vehicle was valued at {$5800.00}. They have not provided a detailed breakdown of how they arrived at {$17000.00} due and owing. 

I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from PERSOLVE LEGAL GROUP with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay PERSOLVE LEGAL GROUP '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and PERSOLVE LEGAL GROUP. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: GA

Complaint narrative:
On XX/XX/2020, I sent via certified mail to Equifax demanding that they provide verifiable proof of several listed accounts. Equifax received this request on XX/XX/2020, and opened an online dispute as if I created the dispute online. There were several immediate notifications of verified accounts that came through within a couple of days. Nothing changed with these accounts and no information was provided how it was verified. 

On XX/XX/2020, I received a copy of my credit report with an explanation that the accounts have been verified. There was no proof of how they verified that the account was accurate and mine as per section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. They have repeated not provided proof from these companies and have let them continually reported inaccurate or accounts that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My name is XXXX XXXX and im trying to signup for venmo.com through XXXX and I have never done this before. however venmo will not let me signup it tells me I already have an account there when I try to put in my phone number and email. I need to have me account deleted so I can actually go on to venmo and create one. that is all I wish to do. my phone number is XXXX and my email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to file a complaint against Citi Credit Card for failure to honor its Bonus Cash Back offer. I applied a Citi Double Cash Mastercard in XX/XX/2020. According to the approval notice, there is a {$50.00} Bonus Cash Back after {$500.00} in purchases within 3 months of account opening. I spent {$940.00} and {$870.00} in XXXX and XX/XX/2020, respectively. I have long met the offer requirements and I contacted Citi Credit Card 4 times regarding the cash back. To date, Citibank has not provided me the {$50.00} Bonus Cash Back. 
I contacted Citi representative in mid XXXX. The representative refused to give me the Bonus Cash Back. The representative stated that my current bill was past due meanwhile the bill was not yet due. On XX/XX/2020, I contacted Citi Credit card and the representative told me that the Bonus Cash Back would appear in the XXXX Statement ; however, there was nothing happen. On XX/XX/2020, I contacted Citi Credit Card. This time the representative told me that I still had {$430.00} left to spend and I had not reached the {$500.00} purchase requirement. On XX/XX/2020, I contacted Citi Credit Card, the representative told me that the Bonus Cash Back will appear in my account. As of XX/XX/XXXX, Citi Credit Card has not provided me the {$50.00} cash back. 
Citibanks offer appears to be misleading. I met the requirements in XXXX. Now it is XXXX, there is still no cash back. I contacted Citi four times. Of which, 2 out of 4 times, the representatives refused to acknowledge of my entitlement to the {$50.00} Bonus Cash Back. Citibank should provide robust training to its representatives on how to review customers accounts and be familiar with its new products instead of making bold and misleading statements on a black and white written offer. In addition, if the offer is invalid then Citibank should not advertise such offer to the public to mislead customers. When a customer makes a late payment, Citibank charges a hefty late fee. Citibank put my cash back on hold, what late fees and interest should they return 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 monetary relief
Consumer complaint received 2020-10-01 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Received a check from Wells Fargo Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which Wells Fargo Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to WFargo closing my account for no reason in the first place. 
It states that Wells Fargo has requested an update to my XXXX XXXX XXXX consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.

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 2020-10-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp
State: FL

Complaint narrative:
On XX/XX/2020, I contacted Lending Tree, Inc to request that a monthly payment be delayed or consideration given to reschedule the that monthly payment. Specifically, I requested some additional time to make the payment because I have been unemployed since XXXX, but have managed to pay each month on time utilizing the Automatic Clearing House ( ACH ) Debit feature on my account despite the fact that I never authorized automatic ACH payments each month. Over the phone, the agent stated that the payment of {$1000.00} for XXXX ( usually taken on the XXXX of each month ), could be taken as late as XX/XX/XXXX. I specifically asked if I would have to make two payments in XXXX due the delayed payment for XXXX. I was told that I would not have to make this payment and I assumed based on the current pandemic that lending groups were willing to exercise some flexibility with regard to repayments. I also specifically stated at least three times during the call, that I needed to be sure that if I was going to delay the payment that the automatic ACH payment usually occurring on the XXXX of each month was rescinded/cancelled and would not be taken from the account. The agent stated that this was true : no payment on XXXX would be taken. I checked my checking account from which Lending Tree draws today, XX/XX/XXXX and discovered that the account had been debited {$1000.00}. This ACH occurred without my permission. This despite numerous assurances that no payment would be taken on XX/XX/XXXX. I called today and was told that the agent had not rescinded the automatic ACH payment feature and that two payments would be required to keep the account current in XXXX. In sum, Lending Tree authorized an ACH transfer from my personal checking account, received the funds, currently has control over the funds, after my permission to transfer for these funds was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXX XXXX  ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their

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 2020-10-01 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: IL

Complaint narrative:
TransUnion nd XXXX  are fraudulent on my following accounts XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX fraudulent on my credit Account # 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 2020-10-01 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Original Account # : XXXX XXXX  : XXXX XXXX Credit Card I filed for bankruptcy on XXXX/XXXX/2020 and listed Midland Credit on my bankruptcy petition. Midland Credit deleted the trade lines from my credit reporting file after my bankruptcy was filed. However ; the following month they re-reported this information to XXXX showing it as an open collection item although they were clearly listed in my bankruptcy petition. They have indicated in my CFPB resolution that they stopped reporting the account to the 3 credit reporting agencies which is obviously not true based on the attached documentation showing them listed as a collection item on my XXXX  credit bureau report. It seems as though there executive offices have issues understanding my complaint. I did not indicate I want the trade lines deleted but more so if they cant report them accurately to show them as included in my bankruptcy that they should delete the reporting as that they have indicated in there resolution contradicts what actually occurred on my consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
Hello, I received a Loan Estimate on XX/XX/21 and was told by the agent that rates have come down to 2.75. 

I requested an update and the loan officer refuses to send me one until I am out of attorney review. 

The company is Cross Country Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Dear Sir I received a letter in the mail from this company called XXXX XXXX XXXX, and Convergent Outsourcing inc for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX  XXXX   XXXX XXXX  for XXXX years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the XXXX. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the XXXX  offer credit monitoring for employees. This letter I received in the mail from them on XXXX/XXXX/2020.

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 2020-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Received a check from XXXX XXXX Customer Remediation ( XXXX ) XXXX. XXXX XXXX, XXXX, OR XXXX ; Dated XX/XX/2020 ; scan bar with XXXX It had old accounts on there which XXXX XXXX Closed , but now is apologizing for with a check for me in the amount of {$150.00}, which I ripped up of course, due to XXXX closing my account for no reason in the first place. 
It states that XXXX XXXX has requested an update to my Early Warning Services consumer report so that it does not reflect that my deposit account was closed due to the hold. Total hogwash. 

I will gladly mail you the letter and check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS MADE BY ME. PLEASE RE-INVESTIGATE THE ACCOUT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-01 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: TN

Complaint narrative:
Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

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