vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I had a XXXX XXXX XXXX ( XXXX ), XXXX. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXX XXXX, on behalf of XXXX XXXX, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with XXXX XXXX and is current, XXXX XXXX was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXX Solutions {$1400.00}. 

Portfolio Recovery Associates, LLC has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX Portfolio Recovery Associates sent me a letter stating that they have completed their investigation, and the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX XXXX and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Over the course of a year and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card card consumer credit transaction showing on my reports have refused to XXXX balance close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Over the course of a month and after several phone conversations and letters with Capital One Auto Finance regarding a car loan in the amount of {$1600.00} consumer credit transaction showing on my reports have refused to XXXX balance, grant my title free and clear, close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
We tried to modify XX/XX/XXXX, received modification paper work XXXX XXXX which said trial payments to start within next 2 weeks. 
Ocwen notified us that we needed to resubmit paper work. 3 times over. 
We requested telephone transcript to prove this delay. 
This delay was solely due to an arm increase occurring XX/XX/XXXX the same date that ocwen wanted trial payments for XX/XX/XXXX. 
Ocwen never sent us what modification would cover, until XXXX, XXXX and XXXX XXXX. 
Our account statement ocwen provided in XXXX was completely different than there reconciliation history where they hid excessive. Fees, charges,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: CORELOGIC INC
State: FL

Complaint narrative:
Credco gave me two hard inquiries within one month on my credit report.

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 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I paid my balance in full on three separate occasions and they continue to bill me for a XXXX balance. The balance was paid in full in XX/XX/XXXX. This is with a Victoria Secrets credit card with Comenity Bank card that I havent used since XXXX of XXXX. I called the company and I was told my balance was {$24.00}, so I paid it. I checked my account and I had another balance of {$11.00}. I paid the balance in full. I have been paying cash for my purchases instead of using the card, because of so many problems. They keep billing me on a XXXX balance. I received a call today ( XX/XX/XXXX ) stating that they sent a balance to collections for {$40.00}. I checked my balance and it went from {$0.00} to {$73.00}. These are unethical practices. How can you charge someone on a XXXX balance? They sent me an email stating that they was closing account because of inactivity.. I should not have to be pressured to use a card, but Im okay with them closing the account. I do not want to do business with a company that use these types of unethical practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I had missed placed my old car and I need a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NC

Complaint narrative:
Over the course of a year and after several phone conversations and letters with Transunion regarding a Bankruptcy showing on my reports have refused to remove and states has been verified by third part XXXX XXXX. Per XXXX5 usc 1681b definitions there is no such things as public record and as a protected consumer I have a right to privacy. XXXX did not call me to ask if said bankruptcy could be posted on my consumer report. Nor did i give permission to steal information from courts to be sold to XXXX. As a invasion to my privacy I am demanding this be deleted from my report just like XXXX has done.

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 2021-03-14 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have been a loyal member of Navy Federal Credit Union for over 35 years. In early XXXX I received an offer to transfer balances to my credit card at 1.99 % for 15 months. My husband also received an offer for 9 % at nine months. I already have a Visa credit card with NFCU and am being charged 9.9 % interest. I telephoned and emailed NFCU asking if the same offer I could receive offer of 1.99 % for 15 months so as to assist in bringing my credit card payment down and avoid the current $ XXXX/month in interest. TSaving $ XXXXmonth in interest at this point in my life with two college tuition to pay for would help a lot. NFCU responded saying " thanks for being a loyal member, but THAT offer is only for NEW members ''. How does this make sense? Then don't make the offer and reject me because based on me NOT being a NEW member. You don't want to assist a LOYAL customer who has over 10 family members banking with you, and a mortgage with you. It's terrible advertising and why send me the offer if you don't mean it? I'd like to ask and think it's only fair that NFCU allow me the 0 % interest rate for 15 months on my credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: MI

Complaint narrative:
GM Financial took over {$3400.00} out of my account without authorization for a turned in lease over a period of months. We assumed the payment coming out was for our active lease. It appears the new lease ended up 60 days behind because of the payment being removed and applied to a closed lease. We were refinancing our home when this hit and it has cost my family thousands. All I asked was my credit report to be updated. In over a decade Ive never missed a payment and GM Financial had over applied {$3400.00} on a closed account and only returned when we argued money had been taken. We had no access to the see the lease account w/ {$0.00} they posted payments to instead of new lease. They had {$3400.00} of stolen dollars if not misapplied as I signed a document all scheduled or auto draft payments for that lease would be cancelled. Ive never been late with them nor have any other late payments on my credit report, they XXXX my family as we had an opportunity to lower our house payment by {$1000.00} a month and GM Financial is unrelenting. I would like my credit report fixed and if not GM Financial I want GM Financial treated the same as any other company that steals consumers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Over the course of a few months and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card transaction on my consumer report. Per 15 usc 1692g I have requested the " original creditor. As well as to cease and desist all collection activity while said account is under validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Capital One Bank ( USA ), N.A. credit card that I was unable to pay. The total debt amount with fees and interest totaled {$7100.00}. On XX/XX/XXXX, XXXX XXXXXXXX XXXX, on behalf of Capital One, offered me a settlement amount of {$1400.00} to resolve this debt. Because my auto loan is also with Capital One and is current, Capital One was willing to work with me and offer me the lower settlement amount. I accepted their offer and paid XXXX XXXXXXXX XXXX  {$1400.00}. 

XXXX XXXX XXXX, XXXX has been attempting to collect the original amount of {$7100.00}. I've notified them both verbally when they called and in writing about the settlement agreement with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent me a letter stating that they have completed their investigation, and the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
Greetings : After being released from bankruptcy, there was an attack on my finances. 1 ) During bankruptcy someone added their student loans to my account. I wrote the judge and Trustee 2 ) After being released my balance went from XXXX to over XXXX. I have NOT signed for any loans. I paid for school at XXXX University in 2010. They wont correct that. I have NEVER signed for a private loan and I continuously see these small amounts like {$400.00} and {$600.00}. I asked in a dispute for the signed loan paperwork for all loans. I want an attorney to review all of them. I will not pay for some scrubs education. They one loan was for XXXX who attended some technical school. I have NEVER received a loan from ANY technical school. Recently I received a notice from XXXX saying a deposit was being made to my account from financial aid. I DO NOT receive financial aid ( have not for at least 10-11 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Three weeks prior to the lease end, I went for the pre-inspection and was told the front tire 's tread was a little worn, but they should be fine. Wednesday, I went after 186 miles of 3 weeks of driving and they said the tires were bad. Now, I use to work as a mechanic when I was a teenager, on average you lose1/32 per 5000 miles of careful driving but let us say is 1500 miles. There is no way in three weeks the tires went bad on 186 miles. On XX/XX/XXXX, I went back to turn in the second set of keys and requested for the car so I could check the tires with a tire tread tool. It was something, they came up with every excuse in the book so I would not see the car, we do not know if the car is in the lot, it could be in the CPO department or sent to the auction. I guess they are not aware of paper trails or electronic tracking, a dealer does not know where a car is, wow. They looked once and came back with no luck, sorry, So I pressed them again if the car is not on the lot, I wanted to know which auction house it was sent, so I could go and view the car. Then after 20 minutes miraculously the car appeared, like magic. One interesting thing to note the dealers tool is a dial gauge rather than a depth gauge. Using this tool allows for subjective outcomes because is not as accurate. I checked both tires and here is what I found, first they were screwing me out of money, the only tread that was 3/32, below their standards, was the inner one the other three treads were 4/32, or 5/32. The best part is when that I signed the lease, I noticed that the tires that came with the car were regular tires, not run-flats. So, I asked what the issue with the tires was. I was told by XXXX XXXX that BMW no longer comes with run-flats My XXXX all I needed to do was look to confirm at the cars inside the showroom. The audacity and my stupidity of course because you must be with all senses on. At that point, you have been haggling for hours and that is how they wear you down. I hate to call XXXX out because he is an affable guy but know he is costing me money, so I have no choice. At this point, I have to pay XXXX dollars for both tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I received a collection notice from Spring Oaks Capital LLC on XX/XX/2021 for {$3000.00}, that doesn't belongs to me and i replied with letter asking " debt verification '' documents on XX/XX/2021, ( delivered XX/XX/2021 ) but they never responded., they reported to XXXX  as a Collection. This is ID theft, i don't have any knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
This case was with XXXX XXXX XXXX.The complaint was handled by The FCC case numbers are # XXXX and # XXXX XXXX issued a credit of XXXX on XX/XX/2021 at XXXX ; XXXX XXXX.This was described as a bundle done inappropriately as landline phones, mobile phone, cable, internet of which 2 internets were billed and only one could be used. This is in The Executive Resolution Department of the carrier and I don't believe that this collection company Credit Collection Services has any idea of what is going on. Someone sent them a bill and was not in Executive Offices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: MA

Complaint narrative:
Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS

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 2021-03-14 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: MA

Complaint narrative:
Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX and XXXX I was in poor health with medical issues and was not working. As a result, I had a difficult time paying off my credit card balance on my Bank of America credit card. The account went to collections and it was listed as a charge off in XX/XX/XXXX. In XX/XX/XXXX, I paid off the debt of {$900.00} in full and requested that Bank of America remove this debt from my record after explaining my situation of hardship. They did not do so after being a loyal customer since XXXX. Then in XXXX and XXXX of XXXX I noticed a discrepancy on my credit report, where this account was again reporting on my credit report as a charge off when it was already paid back and closed.

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