vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. i have never done business with this company. this company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DE

Complaint narrative:
jefferson capital system llc. XXXX XXXX XXXX XXXX XXXX mn XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$300.00}, assigned date XX/XX/2019 the collection has been reported as past due balance. i do not know this company. i have never done business with this company. this company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is falsifying information to still report on my account. The first delinquency from Navient was in XX/XX/XXXX. I have credit reports from XXXX supporting my claim. I was unemployed all of XXXX and returned to work in the summer of XXXX at a job paying half of what I made in XXXX. As a result, Navient 's claim that I caught up in XXXX is FALSE. Therefore, they should be made to prove that I caught up with my past due balance in XXXX by submitting other evidence payments. 

To further illustrate their deception, I spoke with a Navient executive who refused to review the evidence I provided, only to reply with, " our records are correct. '' It is unjust that Navient is allowed to report misinformation for their own benefit without providing substantial proof that their financial records are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I'm attaching a FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX from my PNC account I sent XXXX an amount of {$1900.00} through XXXX  XXXX. She then transferred it to her bank ( XXXX  ), where it sat for 2 weeks. Then PNC pulled it out of her account on XX/XX/XXXX without consent from me or the other authorized user on the PNC account. It was deposited back into the PNC account for roughly 2 hours then pulled back out. Now the money is no where to be found. We have been up to PNC and XXXX  bank multiple times and no one can help. XXXX  XXXX  has been made aware of the situation and sent over paperwork that shows the money is not with them. PNC provided a XXXX Trace number XXXX. We provided this number to XXXX  bank and they have made us aware that they do not have the money and that trace number is not attached to any amount of money. Before providing the trace number PNC told us that the money was in a median. Please help with this matter, this has been going on for over 4 months. We have already put in previous complaint and it has gotten us no where with this situation. The only thing we have now been told is the money was sent to XXXX XXXX which the sender or receiver of this money, DO NOT bank there. We have even went to XXXX XXXX to try and see what's going on even though we DO NOT bank there in hopes someone could help because no one is returning my call and only emailing that we need to call, which we have and just get a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I send certified mail to BOA with notarized a affidavit about the violation 15 USC 1681n ( B ), exhibit A and the invoice for the violation. tracking number XXXX. Please see attached documents for more information

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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/2021 - {$10000.00} was deposited from the SBA. On XX/XX/2021 {$5000.00} was deposited also from the SBA. I tried to sign on to the account on XX/XX/2021 and got an error message that the sign on and password didn't match. I tried many times during the day but got the same message. I had signed on on XX/XX/2021 with no problem. 
XX/XX/2021 - I tried to sign on, got the same error message as the day before plus an email telling me that the accounts are closed. 
I tried to call their customer service number but the recording told me my account was closed and then hung up on me. 
I have a main account in my name and a subaccount in my son 's name. There is about {$16000.00} in the main account and {$600.00}? in the subaccount. 
With no way to get in touch with them except via USPS it is very upsetting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-10 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time yet there was a day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX  XXXX. I had reached out to XXXX  XXXX  before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX  XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX  XXXX  nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX  and a single mom of XXXX  children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
To whom it may concern, Following on from a number of issues with GM Financial and continued deception in the collection of an outstanding balance of {$4600.00} On XXXX separate occasions they have attempted to collect incorrect amounts as follows. 

1. On the XXXX of XXXX, XXXX and XXXX they requested {$1000.00} with 12 payments of this amount showing as owing in their system. 
2. In XXXX they requested {$60.00} and showed XXXX payments of {$380.00} owing from the month of XXXX. 
3. In XXXX they requested a payments of {$330.00} being past due and an amount of {$1900.00} owing on the XXXX ( Exhibit A attached ) I have received excessive phone calls up to twice a day everyday for weeks and left messages on a daily basis requesting payment when the account was in good standing so therefore GM Financial is attempting to collect a debt which were at the time not outstanding I have spent hours on the phone to get this corrected and they have now come up with a figure of {$180.00} of which I have already scheduled the first payment. 

I continue to make every effort to resolve this and GM Financial continues to request the incorrect amount. I have no issues with the correct payment of the amount however given their multiple attempts to collect more than what is owed I would like the account to be removed from my credit file. 

I have discussed the matter with XXXX a " Consumer Complaints Specialist '' at the GM Financial corporate office and have been unable to get a satisfactory response to multiple emails sent requesting the account be deleted. 

I feel GM Financial are in breach using unethical methods to collect incorrect amounts which has led to false and misleading statements and incorrect credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: NC

Complaint narrative:
Im showing that there is a dent on my credit report that Im not aware of I have a FTC report now for fraudulent items on my report also I was never contacted to even dispute this matter they also broke the same bill from the same place up into two separate bills so it looks as if I have two negative collections on my credit report I want this removed or Im going to sue this debt was sold to collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent Bank Of America, N.A an affidavit stating that my consumer rights had been violated. A few weeks later my account was closed after doing so, and they have now hired an attorney for this alleged debt.

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 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally. 
Provided them with check tracking number, date issued, and the amount. 
Was charged interest because they misplaced payment. 
Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs . 
They charged me interest again. 
A total of {$200.00} in interest which shouldve been refunded. 
Made several complaints between the dates XXXX. 
Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly. 
Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Lvnv funding llc. C/o resurgent capital services XXXX XXXX XXXX XXXX sc XXXX XXXX ( XXXX ) XXXX assigned date XX/XX/2017 has been sending me collection notices in the amount of & XXXX as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I applied for a mortgage that resulted in a credit report being pulled, and I was shocked to see a collection from Credit Collection Services in the amount {$1000.00} for a medical debt. Having had excellent health insurance in the past few years, and also not having been to the doctor in the past few years I was very upset to see this on my credit report destroying my credit score and rendering me unable to secure the housing I desperately need to secure for my family. 

On XX/XX/XXXX I contacted Credit Collection Services to inquire as to the nature of the debt, and they explained to me that this is for a XXXX XXXX unpaid bill from XX/XX/XXXX. Since I am in a very sensitive time crunch, I offered to resolve the debt instead of pursuing it with my insurance who should have paid it. They held steadfast in there position that they would not delete this account from my credit report, only update it as a paid collection. This is frankly unacceptable, as I later was informed by legal counsel that under the consumer protection statutes at both state and federal levels, that debt collectors must send out a first dunning notice allowing the consumer 30 days to dispute or pay the account before proceeding with additional collection efforts including credit reporting. 

On a follow up telephone call placed on XX/XX/XXXX, it was revealed that Credit Collection services had an incorrect address that they mailed the original dunning notice to, and in fact confirmed this when that original dunning notice was returned back to them by the Postal Service as undeliverable. The documented returned mail is coming from the debt collector directly, they admitted it. 

In addition, they also admitted that upon receiving the returned mail, the skip traced a new address that was also incorrect. It's clear that collection agencies are prohibited from submitting information to consumer reports if they have been notified that the information is inaccurate. They have a duty to operate fair and accurately. 

The first notice I ever received of this debt was on XX/XX/XXXX, where the communication came via the form of a credit report, and I respectfully request that my rights be respected and my time period of 30 days to dispute or pay this debt before any adverse remarks are placed on my credit report be respected and reinstated. I can not allow this account to remain on my credit report simply because I was not billed in a timely fashion, as this debt collector mailed a dunning noticed to an address from two years ago that was documented undeliverable, mail return.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a Merrill Lynch Signature Visa credit card holder. The account was opened in XXXX. Merrill Lynch is now part of XXXX XXXX XXXX. My account is now under a debt collections lawyer. 

I called Merrill to ask for the original credit card agreement in XXXX. They kept forwarding me to different departments. I think the interest rate is wrong and want to see what was in the agreement as well as other terms and conditions. 

Can you help me get the Merrill Lynch Signature Visa credit card agreement in XXXX? 

Thank you for your time.

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 2021-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NM

Complaint narrative:
I tried to initiate a wire to a contrctor that is doing remodeling for me. I tried sending a wire Thursday XX/XX/21 for XXXX. The bank called and said they did not have my DOB despite personal and business banking with them for 22 years. They then put a fraud alert on my account. I initiated the same wire the next day and sent them my drivers license. THe branch then called and said I had to provide the DOB and SS # of the contractor which I do not have. I cancelled both the wires verbally and written. The banks XXXX  department will not release the cancelled wire until I provide the DOB of the contractor although the money was sent to his LLC. I dont have the contractors DOB. I have spent countless hours on the phone with the wire department, the branch, and I have emailed the bank president to no avail. The bank has been holding the money of this cancelled wire for over a week and has stopped communicating with me. They have essentially stolen my money and are treating me like a criminal. I desperately need an ombudsman to help me with this bank, BBVA Compass. I have also now accrured NSFs. I have asked the bank to reimburse me for these and to write letters to companies that received bounced money stating that this was a bank error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: TX

Complaint narrative:
I submitted a Complaint about a month ago asking to please provide my updated credit score report on all bureaus and nothing was done about it. im still not able to see my updated credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I had opened an account with Prosper Marketplace back in XX/XX/2019. The following year COVID it and I started to see a cut in my hours at work. I contacted Prosper to ask if they could offer any type of help and they indicated that since I reached out to them before the payments were late that they would help me. They assured me that my account would not show delinquent during that time. You can imagine how upset I was when I saw my scores drop due to them reporting me late. They took advantage of a pandemic and not only lied about how it would impact my credit but then to charge late fees and show late payments. This is predatory lending with what they did. They tricked me into thinking they would help and then turned around and put me in a position that hurt me and put me in a higher rate bracket. Had they told me they couldn't help be at the time I spoke with them I would have tried to borrower the money or borrowed against my 401K. I was lied to and this is not right.

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 2021-09-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation