vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX at Capital One bank My account number is XXXX and the routing number is XXXX. I submitted a check for the amount of XXXX on XXXX and it was accepted and ctedited to my account as well as a check for XXXX on XXXX. As stated above they were accepted and credited to my account however the institution is refusing to allow me to withdraw my funds because they are going to return " supposedly ''. I was informed that it could take years for them to return. This is ridiculous. I need this money to survive in these crazy times. This is my money and I need it now!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
I have gone through every step and every process to contact the collection agencies involved in these debts. I am a serious victim of identity theft and it is easily verifiable. I have been XXXX  during the entire time frame both of these incidents took place. I have been holding off on a lawsuit because of one simple reason and that is because my fiancs father is on his death bed and i have been preoccupied with all of that but I can peomise you if this error is not corrected immediately I will be following through. Because not only has this caused me serious /XXXX  and XXXX/ it has caused me to not /Get approved for apartments/Loans/Banks/Credit Cards. This has caused a serious impact to my arrival home and doing my best to do good.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have received 2 Fraudulent emails from Ace Cash Express demanding money from me on a loan that I have paid off. ( see below ) ACE CASH EXPRESS XXXX XXXX  ( 8 hours ago ) to me We are talking about the creditor ACE, ( Advance Cash Express ), is a parent company which owns and operates more than 80  parental payday loan websites like XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ACE CASH EXPRESS, XXXX XXXX, XXXX XXXX  etc. you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account. 

We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/20 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 

Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Do reply ASAP. 

Yours sincerely, ACE CASH EXPRESS AND Court Case XXXX Last Date to file XXXX. 


We are going to file a lawsuit in next 24 hours at United States District Court XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX, United States against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.This is our last warning to you ; kindly update us ASAP so that we can proceed.

Note- If we don't receive any response from your side today, your case file will be downloaded automatically against you. After that we are unable to help you and you will receive court summons at your door steps with the cost of lawsuit around {$3200.00}. 

Do update us with your intention that you want to resolve this case or you want to dispute. Do revert back for any queries. 


Thank you, ACE CASH EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank, credit annual membership fee of {$50.00} charged. I paid it on XX/XX/XXXX. They claim I was 3 days late. Rarely use the card. they charged a late fee of {$29.00}. They then charged a late fee on the late fee of {$30.00}, giving a total owed of {$59.00}!

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This information has been provided thru my XXXX Account : https : //www.creditkarma.com/credit-health/transunion/factors/dm {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2019 ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXXXXXX XXXX XXXX XXXX  See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
I received an alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a home equity line of credit with XXXX XXXX XXXX for several years. Without any warning, my loan was sold to another lender. However, I continued to make the payments to XXXX XXXX XXXX online in good faith from XX/XX/XXXX until XX/XX/XXXX, when I received a call from the new lender, Specialized Loan Servicing informing me that I was three months behind in payments. I retrieved their payment information and started paying them directly after that time. I told them that the prior three payments were in fact made but paid through XXXX   XXXX XXXX. I have the bank statements to prove it and promptly emailed them to Specialized Loan Servicing, per their instructions. Fast forward to XX/XX/XXXX. I receive a huge envelope from Specialized Loan Servicing urging me to restructure my loan since I am seriously behind in payments. It is like I never even spoke to them regarding this matter or sent them proof that the payments were made. I did also speak to XXXX from XXXX  XXXX XXXX, Texas today regarding this issue and she verified that the payments were deducted from my account and should have been forwarded and that this was really an issue with the new lender. At any rate nobody at Specialized Loan Servicing seems to know what happened to my missing three payments for {$210.00} each, even though I have also spoken with them again today. I did resend the online Bill Pay Statement history from XXXX XXXX XXXX for this account as well, since their customer support said there wasn't even a case opened yet to do a tracer on the missing payments, which seriously concerns 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 explanation
Consumer complaint received 2020-04-23 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: U.S. BANCORP
State: AZ

Complaint narrative:
Elan Financial continues to refuse to abide by the CARES Act wherein lenders/credit card companies are to work with borrowers and continue to refuse to offer any type of deferred payments, nor have they removed late and/or over limit fees on all of our accounts. Therefore, our attorney is moving ahead with a class action lawsuit against Elan Financial.

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 2020-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Springer Collections Inc.
State: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Springer Collections Representatives in regards to 2 accounts for {$1800.00} and {$210.00} from XXXX XXXX XXXX XXXX. The accounts are fraudulent, unauthorized, not my accounts and are the results of identity theft. Springer Collections are in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: LA

Complaint narrative:
In XXXX after checking my credit report I noticed that several files were not mine. Experian was reporting XXXX, XXXX, and XXXX XXXX. None of these accounts belonged to me. I disputed with Experian. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). The companies agreed to request removal of the items with the latest coming in XXXX. I contacted Experian several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Experian is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ALCHRO INC.
State: FL

Complaint narrative:
This information was provided thru my XXXX Account : XXXX XXXX XXXX {$75.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$75.00} Highest Balance {$75.00} Opened XX/XX/2014 ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I pulled my credit report for XXXX  and XXXX  and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.

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 2020-04-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX after checking my credit report I noticed that several files were not mine. Equifax was reporting XXXX, XXXX, XXXX and XXXX XXXX. None of these accounts belonged to me. I disputed with Equifax. The said that the accounts were verified. I began gathering information and disputing with the companies all of which agreed that the respective accounts in question were not mine ( Certified copies of letters that I received from each company are attached ). Most of these accounts have already been deleted from the other bureaus and the companies agreed to request removal of the items with the latest coming in XXXX. I contacted Equifax several times and as of date they still have these accounts on my credit file damaging my credit. They state that the account was verified, however as you can see it could not possibly be verified. Equifax is deliberately violating my rights under the FCRA by reporting invalid unverified information and alleging it is having investigated this which obviously it had not. Please see attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I been receiving constant telephone calls of harassment, profane and abusive language and threats of violence from Credit Collection Service for a fraudulent account for {$320.00} from XXXX XXXX. The account is fraudulent, unauthorized, not my account and is the result of identity theft. Credit Collection Service is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: UT

Complaint narrative:
There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and Transunion showing " previous '' with 30 days past due and then " current '' showing 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 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My dispute is with Barclays Bank, XXXX XXXX. It concerns what I believe to be an erroneous payment for {$69.00} to XXXX internet services posted to my card by the Bank on my XX/XX/2020 statement. When I received my XXXX credit card statement, I recognized that the charge was an error and made multiple attempts to contact Barclays by phone. Unable to reach them because the company ( per their phone message ) wasn't taking any consumer calls. I then wrote them on their internet website, explaining why I believed the charge was an error and requesting they contact me by phone. The company has not contacted me in response to to my written online request. 

After writing Barclays, I entered a stop-payment order with my bank instructing them not to pay what I believed was an incorrect charge. However, when Barclays put the payment through a 2nd time in XXXX, the bank paid the charge together with penalties and interest fees. Barclays has still not attempted to contact me regarding this disputed charge I have never before dealt with a credit card company that was not accessible by phone to its cardholders. Such behavior is unacceptable by any reasonable standard.

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 2020-04-23 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: UT

Complaint narrative:
There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from XXXX  and XXXX  showing " previous '' with 30 days past due and then " current '' showing 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 2020-04-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Collection Systems, Inc.
State: IL

Complaint narrative:
The account associated with XXXX UNIVERSITY has not been removed as it is CLOSED. 
XX/XX/2017 I have asked to not be contacted through any other means other than standard mail via the postal service to resolve this matter. Yet I still get phone calls and added interest and fees monthly. I have not given permission for any third-party agencies to use or withhold my personal information. I believe excessive fees and interest have been used against me and the agencies involved refuse to answer any of my questions. 

I have not authorized the agencies involved to obtain, store or sell my personal information and have explicitly stated not to be contacted. They do not have a wet-ink signed signature proving I am responsible for any debts they claim I owe them. They harass me and I refuse to have my rights violated any further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX notified 53 bank  about loan extension due to Covid 19, received email back on XX/XX/XXXX, wrote letter per their terms requesting 90 days. on XX/XX/XXXX I wrote again as I had not received an answer, the one week later made phone call go branch office, could not get through on the phone number they posted. girl who answered apologized and said if I got a response I was OK, not to worry. 
XX/XX/XXXX I finally get a letter stating as shown below : " We have submitted your loan request for our 90 day payment deferral, with no late fees payment application. Deferred payments will be moved to the end of your loan and your maturity date will be extended three months. '' then I get a letter today dated XXXX stating I we late fees, and it will effect my credit. checking my FICO it fell 26 points! I have had no problem with other accounts, only these guys. so I wrote again today, see attached : " what is this XXXX about charging me a late fee and showing a late payment? I first contacted you on XX/XX/XXXX, not my fault you are the only ones overwhelmed. Please restore my payment history to no late payments, and credit my account the userous late fee. I am very disappointed in your service, is this how you treat Americans in a pandemic? Please note in paragraph two above no late fees! You also say no further attention is needed than I get an letter from you making me sign an agreement. call me XXXX ASAP! '' my FICO fell 26 points from XXXX to XXXX! 
thank you, I am sure I am not the only one they lied to! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation