vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
Dear Sir : I had popular bank XXXX XXXX Visa Card ending XXXX. 
** Annual fee {$140.00} just post and call for cancellation within 30 days grace period. They still no reimburse the credit after card closed. 

Due to Covid-19 issue, I can not make travel and take XXXX XXXX  flight for these years. On XX/XX/21, the next year Annual fee {$140.00} for the card post to my account, when I check my statement around 1 week later, I cann customer service to cancel due to covid-19 issue to make travel difficulties.

Service rep said the annual fee is related to next year, since I called to cancel right after Annual fee post, I don't need to pay, then close account. 

However, when I received account closed mail and check. Account still can login and next annual fee is due. 

I contact them within 30 days grace period of annual fee post, and account has been closed by request, there is no reason to charge me the fee for the unused, closed card. 

their contact us XXXX is hard to reach, most of time is voice mail recording and I only can find some info for dispute Popular Credit Services Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX However, it looks like they force customer to pay the annual fee even card has been closed within 30 days grace period. 

Please let me know if you need more detail info regarding my account #, address, name ... etc to verify I will provide right away to you. 

Your help will be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Essential Lending Inc
State: TX

Complaint narrative:
I just got correspondence back from Wise Loan, theyre stating that I had loan documents but this is not my signature, even if this is identity theft this isnt a contract that has my wet signature due to the FDCPA this document must be provided. Ill file an identity theft report with the police but this debt needs to be removed from all 3 of my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Currently I am on a Forbearance with my Mortgage servicer Mr. Cooper, and when I called them two months ago I was told that I can extend my Forbearance till XX/XX/XXXX, suddenly I started getting messages that my Forbearance will end by this month ( XX/XX/XXXX ) and I need to start paying by XX/XX/XXXX. 

Now I am still facing hardship due to Covid-19 so my Mortgage servicer should extend it till XX/XX/XXXX. 

When I called them Mr. Cooper employee said that they are working on my monthly Payment modification and when I asked how much that monthly payment will be, they said it takes 30 days to work on a payment modification, I asked why it takes 30 days, they said that they are understaffed that is why. 

When Mr. Cooper makes so much money how come they are understaffed? Doesn't make any sense. And why it will take them 30 days for a payment modification, it should take a maximum of 2 days for a payment modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
XXXX I was made aware I can't refinance my home due to my credit score. I was advised there were medical collections on my report. I was advised they shouldn't be on my report due to H.I.P.P.A and my medical privacy. It has effected my score drastically. I have 3 separate medical collections from 1 company. I called the collections agency explained the situation. They advised me to call the 3 credit companies to dispute. As of today my score was updated and score increased by4 points. Due to 1 of the 3 collections

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 2021-09-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, Experian reported a collections account from a company that I've never done business with. When I tried to use Experian 's online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.

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 2021-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
Goldman Sachs is reporting deposits that I make into my Goldman Sachs Marcus money market account as " Collection '' withdrawals from my XXXX XXXX XXXX  checking account : please see supporting documentation of at least 5 examples of these " Goldman Sachs BA Collection '' withdrawals that have posted on my recent XXXX XXXX Bank checking account statements. 

These incorrect postings are causing XXXX XXXX  's mortgage division to inquire about these " collection '' activities, which they claim that I did not disclose to them. These multiple and compounding instances of inaccurate reporting by Goldman Sachs are jeopardizing my loan approval and damaging my credibility with XXXX XXXX  and XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  on XX/XX/2021, and XXXX XXXX XXXX  confirmed that Goldman Sachs is the financial institution indicating each withdrawal from my XXXX XXXX XXXX  as " collection '' activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Central Portfolio Control Inc.
State: CO

Complaint narrative:
I got an email from my bank ( XXXX ) stating that there was a negative item on my credit report, and I should check it. According to XXXX, XXXX  reported a collections account from a company that I've never done business with. When I tried to use XXXX XXXX online system to dispute the report, I only received error messages on their page. I will call them as soon as they are open and complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AVANTE
State: TN

Complaint narrative:
XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Hello, Im contacting you about the company M. Leonard & Associates XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. They are inaccurately reporting information to the credit bureaus. They are continuously and unlawfully re-aging this account and adding unrealistic fees that is showing up on my credit report. 

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters.

It is illegal for debt collectors to re-age credit accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Victim of a Predatory loan fiananced by Santander XX/XX/2013. Santander has XXXX and XXXX  me over a decade through false reporting negative information to the credit bureaus and parking bad debt in an attempt to coerce payment. Filing a complaint with the CFPB looking for support only made things worse and emboldened their behavior. Actively violating the CFPB consent. CFPB received civil funds for consumers harmed totaling {>= $1,000,000} from judgement against Santander over a year ago. CFPB data shows complaints in Massachusetts show no slowing down. 

I was not notified by CFPB as a victim harmed? Why is their no accountability with enforcement regarding the orders and stipulations that were signed in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
hello : I am a XXXX. Out of respect for the protection of private property in the United States, I opened an account in BOA on XX/XX/XXXX and successively deposited approximately US {$120000.00}. That is my legal income, and I have not used the money to engage in any illegal activities. But the money was taken away by BOA in a legal order on XX/XX/XXXX. Later, I had many telephone conversations with BOAs customer service department and security department, but failed to learn any information about this incident. I really want to know the reasons for the legal order and what I should do to get my own money back. 
Please help me, 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 monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. They state it was paid i never paid for this because i didn't even know about it until i seen it on my credit. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

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 2021-09-04 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: Capio Partners, LLC
State: KY

Complaint narrative:
I have two bills on my credit report and they are not accurate. I have had health insurance for 4 and half years its showing I owe a full balance. This hospital is also closed now and has been for two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I been going through financial hardship since COVID hit and been struggling since. I did call them and I applied for credit protection And for my understanding they were going to put a hold on my account so I wouldnt have to worry during this difficult time and my intentions was to start making payments as soon as I was financially stable but what I didnt know was that it would take me this long besides financially struggling I had to figure out how me and the kids were going to make it and taking care of of loved ones that were almost didnt make it with all this with all this I ended up having a break down and fell into XXXX but we came out of this and getting things back to normal and one of the first things once things got settled was trying to get my credit cards paid but when I checked it was too late they closed my accounts and when I tried to see if they would let me pay them they just transferred me to collecting I asked them if they can work with me or if theres another option to help me they just went ahead and send me to collections and brushed me off they say during this hardship they will give their customers support but didnt even try to help before all this happen I was working so hard to build my credit and because of this madness theres no point in starting over

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hello, Im contacting you about the company LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX. 

They are inaccurately reporting information to the credit bureaus and are continuously adding fees that is showing up on my credit report.

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters. It is illegal for debt collectors to charge fees that the consumer never agreed upon or even made. This a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This doesn't belong to me with these authorities/leasers. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

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 non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On the collection on XXXX XXXX.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect

Company response to consumer: Closed with explanation