vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ASSETCARE LLC or any of its Affiliates nor have I ever engaged in any business with ASSETCARE LLC in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). 
I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with CAINE & WEINER or any of its Affiliates nor have I ever engaged in any business with CAINE & WEINER in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon my review of my credit report I found a few accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a member of Simple Bank since XXXX. On Saturday, XX/XX/XXXX, Simple Bank was migrated into BBVA America bank. Since XX/XX/XXXX, I have been unable to access my new BBVA account, create a BBVA account login, speak to a representative ( after emailing, tweeting, and calling over 10 times and waiting on hold for hours ), get access to my previous Simple account, and transfer my money.

Im also unable to check that deposits and transfers are successfully entering/leaving my account. And Im supposed to buy my partner an engagement ring, but since all of my money is tied up in this account to which I do not have access, I cant pay the jeweler. 

I am very worried that all my savings and money are gone, and BBVA has been avoidant and silent in its communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/2021 there was a fraudulent transaction from XXXX on my apple credit card. I filed a police report and sent them all of the necessary documents. Including a copy of the fraudulent charge. A copy of my statements, a copy of the police report and any additional evidence that I was able to obtain.. this was sent to them on XX/XX/2021 and XX/XX/2021. 3 days after the fraud occurred.. I havent heard anything back from Apple Card services until today. Where they are asking me to resend my evidence.. TWO MONTHS AFTER THE THE FRAUD OCCURED AND 2 months after I already sent them ALLL of the necessary evidence. Apple card services is not handling my dispute properly. They also advised me that they released {$500.00} credit to my card however its on hold.. so they are holding my available credit and not allowing me to spend it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On my credit I have a collection from XXXX from a collection company. Ive never had a XXXX account. Convergent outsourcing Incorporation I did a dispute 6 months ago and I have not gotten responses at all. I know I was a victim of XXXX credit breach and I have personally been keeping an eye on my credit. That collection is not supposed to be in my profile.

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 2021-05-12 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: TX

Complaint narrative:
wrong address not mine : FCRA XXXX XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
this goes to a previous complaint filed against Comenity Bank and my XXXX XXXX Credit Card - they have now added INTEREST to a XXXX balance account. For what reason???????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
The first week of XXXX I was checking my credit and I noticed a mark for collections from a said company called sunrise credit services. The company put this ugly mark on my credit stating I owe XXXX dollars. I immediately disputed the account with the credit bureau. The investigation was done and said the debt is valid. Im writing this complaint because my rights were violated I never received any notification via mail or phone prior to this derogatory mark being placed upon my credit. on XX/XX/XXXX I reached out to the agency requesting a debt validation letter and an itemized bill for the said debt. The woman whom I spoke with said the agency had been emailing an incorrect email address she took my actual email and assured me I would receive the letter via mail and email I have yet to receive an email with this debt.this company needs to be held liable for their negligence and REMOVE the mark they wrongfully placed on my credit you cant hold me responsible for a debt that I wasnt notified about and am also disputing nor can u put this kind of mark or someones credit without proper notification and communication Im also prepared to take legal action if this isnt corrected

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 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Dynamic Recovery Solutions, LLC
State: PA

Complaint narrative:
was called from XXXX XXXX XXXX XXXX was told to call them back that it would be in our best interest to do so. we are currently trying to get out of a time share with XXXX XXXX XXXX. 
this has been on going with the XXXX XXXX resort for 2 years. The collection agency has been told to contact our lawyers. the law firm we are using has also told these people not to call us. To no avail they just keep calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I purchased XXXX, approximately two years utilizing the Coinbase application. I haven't used the application since the original purchase. I tried selling the position that is now valued at XXXX dollars and the application says my account is restricted and to contact support. I am only able to send a request on their support page and did so about 3 weeks ago and again last week. I can't get a response and my account is still restricted and I am unable to sell the position and remove my money. Coinbase doesn't have a phone number available for customers that purchase crypto on its application and I can't withdraw the current value of my holdings or/and the XXXX I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have paid this debt with the original creditor XXXX XXXX XXXX XXXX Merchant and Professionals collection agency is still reporting it as unpaid. Please validate and delete. I received online notification from all three credit bureaus on XXXX XXXX that Merchant and Professionals Collections place an account on my Credit report in the totals of. {$190.00}. Merchant and Professionals violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report. This debt can not be validated, I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
We fell behind on our mortgage and sps servicing made a trial loan modification. I have a letter from them accepting agreement. Dated XXXX. I made the 3 payments for XXXX, XXXX and XXXX. SPS is holding my XXXX payment hostage. Which they cashed the check. I made it every third of the month. There making it look like we did not make the 3rd payment! There holding the payment until my husband signs agreement saying they can pull the payment on the XXXX of the month. Mind you our S.S.does not hit the account till theXX/XX/XXXX I don't trust them since they keep changing the payment amounts. Constantly harassment, 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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I deposited a personal check in my TD Bank account for {$320.00} on Saturday XX/XX/2020. I then initiated a ach transfer to an outside bank to be completed on Wednesday XX/XX/2020. Both the deposit and transfer were pending on Monday XX/XX/2020. I received a overdraft charge fee of {$35.00} on Tuesday XX/XX/XXXX but according to the overdraft statement the check was cleared on XX/XX/XXXX. 
TD Bank then sent an email about an unsuccesful transaction at XXXX on Wednesday XX/XX/XXXX and proceeded to put the transfer through again, with no option for me to cancel, minus the overdraft fee of {$35.00} which caused my bank account to go negative and receive another overdraft fee of {$35.00}. So in two days TD Bank charged {$72.00} in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I went to check my balance on my account and was unable to log in so I called to support and the support number told me that my account was closed so I began emailing support to find out why my account was closed. The first explanation they came back with was it was lack of activity. In the beginning the lack of activity was because I never got the debit card that they sent me in the mail so when I tried to reopen the account again they said that I already had an account and I needed to contact support so I'll contact the support and they sent me out another card I started putting money on this card so that I could save money for my taxes what happened was I will deposit money periodically from my paycheck I have a job and I also have a business and I just wanted to side account so that I wouldn't touch it cuz I knew that was the account for my house taxes so back and forth back and forth back and forth I've been emailing support I've been talking to XXXX XXXX tells me I need to talk to chime chime tells me I need to talk to XXXX so now they got XXXX of my money and they're telling me that my money is not refundable because they don't know this is the second reason they don't know where my money is come from and that money being deposited on that card looks suspicious I've been going back and forth with them since XX/XX/XXXX and I have no resolution nobody will help me so I was directed from a post on the internet that you help people with the situations as far as time is concerned so I'm just reaching out to you to see if you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt was paid to XXXX XXXX Which represents " XXXX XXXX  XXXX '' for a debt I didn't owe which is my Uncle 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX on XX/XX/XXXX submitted documentation to COAF for a validation of debt. In response to my complaint a copy of the alleged contract was sent to me which did not state any of the requested information that was asked for. I also demanded a Cease and Desist for collection of this alleged debt and in response COAF stated that a Cease and Desist would be placed to ensure no further communications from COAF, but then it was stated that I will still receive correspondences regarding this account and that I am still responsible for payments on this account. Looking over the contract from XX/XX/XXXX, a finance charge was involved. 15USC 1605 defines a finance charge as the sum of all charges. So to what debt do I actually owe? Also pursuant to 15USC 1635, I the obligor, have a Right to Rescind following this consumer credit transaction in which these documents where not presented to me at the time of this consumer credit transaction which violates 15USC 1601. In addition pursuant to 15USC 1681a ( 2 ) ( A ) ( i ) reports containing info solely as to transactions or experiences between the consumer and the person making the report is excluded from a consumer report in which COAF is in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA refuses to give me my money from my bank account, over {$5000.00}. They refuse to speak to me over the phone. In person they say " we can't help you, '' and refuse to transfer my money to a different bank until " the issue is resolved. '' I will literally be homeless if I can not access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I called and paid the debt over the phone. It was paid In Full. Please follow up with ARS. This debt was not validated in XXXX as the results say. Please contact me if you have any questions. 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 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AL

Complaint narrative:
This company has reported a collections account to my credit report. I have not received any written communication about the alleged debt. Therefore, my right to dispute or request validity of debt has been violated. This is causing distress and affecting my credit report and my ability to obtain credit. 

Please remove the debt from my credit report and follow due process.

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 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My capital one account is restricted because I am out of town for an extended period of time, and I therefore am sometimes using one of my 2 phones, or my computer here or my computer back home in Pennsylvania via a Remote Desktop connection client. This means that my IP address has me in different locations at once. I understand when capital one first restricted my account, but I called them and cleared it upI sent them photos of my Drivers license ( twice ) and provided them with all the information that they had asked of me. Although the restriction was lifted, I was never able to use my account again. No matter what, there was no moving money in or out of my account. The restriction was placed back on my account again, and this time, they have informed me that they will be closing my account, which I think is complete XXXX. Why should I have to wait weeks or longer to see the money in my account again? Because I use a Remote connection client? Really? Something does not seem right about it and I am very tired of the abuse that banks have taken the liberty to inflict on innocent bystanders such as myself, restricting access to everything I have on a whim. It is not ok. Capital one has all of the information that they had asked of me, why is my account still blocked and why is it being closed? I beg to differ.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I have been disputing this matter with XXXX XXXX, I have sent numerous letters to settle this debt with them. Due to the pandemic, I have heard anything back from them now I received a letter from a third-party collection agency that brought the debt. I only going to deal with XXXX  XXXX on this matter with no third parties for I have tried much time to settle with XXXX  XXXX before it was sold to a third party.

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