vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I co-signed a XXXX XXXX  loan with XXXX XXXX, my borrower who is currently in schools have the school sent a confirmation letter to lender of his current status ( student ) so as to stop making payments and activate a deferment on the account. XXXX XXXX denied the receipt of the request ( which they later confirmed while on a call with XXXX XXXX representative ) and report a delinquency to the credit bureau knocking 50 points off my credit score.

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 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX  a/s/o CACH LLC CC : XXXX XXXX XXXX XXXX XXXX, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX XXXX CACH LLC have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called XXXX XXXX XXXX XXXX XXXX and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use XXXX information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. 
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX XXXX CACH LLC must now provide me with proof of this debt for you to continue to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XX/XX/XXXX Rise Credit Dear Sir/Madam, Re : Original Creditor- Rise Credit Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe. With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report. If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my Transunion credit report where several items previously disputed and resolved have been reposted to credit file showing incorrect derogatory information. I wasnt not provided any notice that this information would be reapplied and I am in dispute of the account balance, account status and payment history. I have attached a copy of letters from both creditors in question. 
1 ) XXXX XXXX account number XXXX Balance shows {$5000.00} should be {$0.00} 2 ) XXXX/ XXXX   account number XXXX account balance shows {$650.00} account balance should be XXXX As account was paid off Attached copy of ID and SSN

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
My balance shows I have enough to make a purchase but the my card keeps declining

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America suddenly froze my accounts and debit cards on the afternoon of XX/XX/2020. 
I called and they mentioned my accounts were closed. 
Clearly that was not true because i received an email indicating a continuation of one of my subscriptions connected to a card i have with them. 

I was told it was a business decision. I was not given any details whatsoever and im demanding i withdraw my funds immediately. 

This is not fair! 

Checking account # 1. {$1900.00} Checking account # 2. {$1700.00} Business Account # 3. {$6600.00}

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was shopping through a third-party seller app called XXXX on XX/XX/2020. The seller told me that the reason I couldn't check out was because some problem with her XXXX  so I sent money for the product through PayPal. I sent her {$55.00} dollars which was transferred to pounds with a {$2.00} fee from PayPal. The next day on XX/XX/2020 I get a message from the same seller saying that her account was hacked and she was never selling the shoes. I immediately filed a dispute for an unauthorized transaction with PayPal because this person was not real and scammed me. PayPal denied my dispute on XX/XX/2020. I've tried to reach out to PayPal but to no avail they're not helping me. The only reason I sent money in the first place was because this person had 5 star reviews from over hundreds of people which is why I trusted doing a transaction with PayPal. Since her account was hacked, I had no way of knowing and I am being punished for someone hacking a seller 's account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AE

Complaint narrative:
Convergent Outsourcing claims to be collecting a debt of {$430.00} on behalf of XXXX. I spoke with XXXX this past fall and they could not confirm a debt ever existed. I have not used XXXX service for more than 10 years. Through online research, I believe Convergent is a scam company and they must be shut down.

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. 
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. 
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There were unauthorized debit card and ATM withdrawals that occurred with my Chase Checking Account. The dates of the unauthorized transactions occurred between the dates of XX/XX/2020 through XX/XX/2020. I contacted Chase on XX/XX/2020, concerning these unauthorized transactions after receiving and reviewing my bank statement on XX/XX/2020. Chase sent a letter to me concerning my inquiry on XX/XX/2020, stating that these transactions were correct and authorized. I contacted Chase to find out why my claim was rejected and they told me based on the facts that I've given which were that I had my debit card on me and didn't share my PIN # with anyone that it must have been me who authorized those transactions. I've attached the letters that Chase sent me detailing the dates and amounts when these unauthorized transactions occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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 — Other problem getting your report or credit score
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
TODAY I APPLIED FOR XXXX XXXX CONTINENTAL FINANCE AND XXXX XXXX  XXXX PULLED XXXX IN AN EFFORTS TO JUSTIFY HIGHER RATE WITH NOTIFYIM=NG CONSUMER.REF 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 2020-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I previously filed Capital One CID : XXXX Complaint ID : XXXX and Capital One CID : XXXX Complaint ID : XXXX but have received insufficient information to determine whether I continue to be a victim of identity theft due to an account opened at Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute in early XX/XX/2020 regarding XXXX  and how it is reporting on my credit profile. I was a victim of identity theft! I enforced experian of this. It violates the Hippa law!  And I want it removed.

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 2020-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My cash app account was hacked, my email was remove, my phone number was removed and my pin to login was change. Tried to get in contact with cash app customer support but there is no option to talk to a live representative. I have no access to the account anymore, i can't see the activity i am completely locked out from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
This letter is regarding account Sunrise Credit Services, which you claim theres a collection account that I have with you ). This is formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$2000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX 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 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have purchased a truck on XX/XX/2020, from a car dealership, XXXX, that uses WEST LAKE FINANCIAL as the lender. The finance company, WEST LAKE FINANCIAL is covering up the fraudulent actions of the dealership by not requesting the title of the vehicle with in the 30 days of purchase. It has been past 60 days and the finance company has not received the title to the vehicle. These action are fraudulent. The finance company should eliminate any business relationship with the dealership as they have been know for title washing vehicles. The transaction took place in the state of Virginia, which it is illegal to sell a vehicle without a title. This cover up by the WEST LAKE FINANCIAL is unacceptable. The finance company should push for legal action to acquire the title from the dealership 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 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I am writing to request correction of the error described below for property address : XXXX XXXX XXXX XXXX, CA XXXX Payment Error : Lakeview Loan LLC have been over-drawing {$140.00} ( MIP ) from the Escrow account, and somehow I see that we are paid up till XXXX. We currently have a principal balance of {$160000.00}. We borrowed appproximately {$220000.00}, so we are at 71 %. 
Isn't MIP supposed to be eliminated at 80 %? 
And how does the co. arrive at {$140.00}? Is there a percentage?

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 2020-08-13 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX of XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and GM Financial did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. GM Financial has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. GM refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX  kids under XXXX  while working. This is grossly unfair in the first place, but even more unfair that GM Financial refuses to correct its credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX ACCOUNT RESOLUTION SERVI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ACCOUNT RESOLUTION SERVI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts  Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1970 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Westlake Financial reflects a charge off with a balance. I have completely paid the account off as of 2018. There was a repossession at one time during the course of the loan, however I did retrieve the car after paying all of the arrearage.

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