vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and Experian are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. Experian is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

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 2020-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I was in a accident XX/XX/XXXX, I was hit going to my daughter apartment. XXXX XXXX totaled the XXXX XXXX XXXX XXXX. I got this vehicle XX/XX/XXXX, from Carhop. I should have never got a vehicle because I had a XXXX XXXX first and when I took it too get a oil change they told us that we didn't have a drive shaft because the XXXX  can't be a AWD without the driveshaft. Carhop let me exchange the vehicle and I picked the XXXX XXXX. My payments were {$420.00} a month I made XXXX payments and on the XX/XX/XXXX XXXX XXXX  sent Carhop {$5500.00} and they still asking for more money, I been reaching out to them since the accident asking them what can they do for us. All I got was a email for a late payment and I don't know why they would keep having me pay on a vehicle we don't have. I was spending my whole government benefits to pay for that vehicle. Now I don't have a vehicle and now they are going to mess me and my daughters credit up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I've made a payment of {$1000.00} to my Citi AAdvantage credit card (  ending in XXXX ) on XX/XX/2020. Due to COVID-19, I've been forced to withdraw my XXXX and pay for my credit cards as my family income has been reduced. I've paid down about 11 credit accounts on the XXXX and XXXX of XXXX, however, this is the only account has not cleared the payment. All other creditors have cleared my payment so far with a couple clearing them 2-3 days after. Once I interacted with the Citi employee via in-app messaging, they relayed to me that my payment would not get cleared until the XXXX of XXXX. 2 weeks to clear a payment is not fair practice based on how all other creditors have treated me. In my opinion, this should be resolved between the creditor and client without the involvement of OCC or other entities as it abuses the client 's time and extends undue hardship to the client.

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 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank, XXXX XXXX. This company does not offer automatic monthly recurrent payment. Around XX/XX/XXXX, I received a call that my account was late, I make the total payment over the phone, Which one I though it include the late payment fee. So on XX/XX/2020, I noticed a charge for {$37.00}, Which one also due for two days ( due date XX/XX/2020 ). I called the company and spoke with a representative name XXXX XXXX, I want to pay all my balance including the new last payment fee, for paying two days after. but the charge wasn't post it in the account yet. they did not want to charge me because I have to wait for the charge to be posted to the account. However, it's two days after, they know I will have another late fee and they don't want to charge me yet. I am trying to explain that I might forget to call again before the due date, therefore they will keep charging late fees. This company doesn't offer an automatic recurrent payment very inconvenient for the customer and convenient for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Fair Financial Corp.
State: CA

Complaint narrative:
I have a lease with the car company Fair. At two points, I made payments outside the regular automatic billing cycle due to financial hardship caused by Covid 19. Regardless, I have completely settled the debt and have been up to date on payments since XXXX. Unfortunately, their billing system is " being revamped '' and does not reflect all the payments I've made. I am getting harassing collection calls every day, multiple times a day. I have explained and provided proof of all my payments several times, spoken by email and by phone with several agents, and yet they still call saying I am delinquent on payments and threaten to repossess the vehicle. Furthermore, I've had several agents tell me " this happens all day, I'm sorry '' so I know I'm not the only customer experiencing this problem. Their social media is also lit up with comments fr clients that they have been waiting for their overpayment refunds for weeks and weeks with no answers. Fair is ripping people off and this should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

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 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. Transunion has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due 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 2020-10-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$6300.00} -This is not my account.

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 2020-10-14 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have made repeated attempts to speak with this agency regarding an account on my credit report SINCE XX/XX/XXXX. The item has been reporting on my bureaus since XX/XX/XXXX. I called the company XX/XX/XXXX and XX/XX/XXXX and the representatives refuse to discuss anything with my wife or I advising they were notified that we were " represented by an attorney '' XXXX. We have told this company repeatedly, WE DO NOT HAVE ATTORNEY REPRESENTATION. This account is being reported on my credit bureaus and the agency refuses to discuss this and continues to report it. I have not received any correspondence from this company. I have confirmed my current address. They are using this as leverage to file suit over something we can not discuss and have made multiple attempts to remedy. This debt was also disputed 2 months ago and validation of the debt was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MEI AUTO FINANCE INC
State: OK

Complaint narrative:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have had a credit card from Discover since XXXX. When I wasn't able to work in XXXX, due to a XXXX   XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to Discovery, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NJ

Complaint narrative:
Entry appeared on my credit report, no communication from this company via mail nor phone in regards to this. Attached is a copy of a letter sent to them on this date requesting verification before legal action is taken. 

Copies sent to listed companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
CFPB CASE # XXXX Thank you for trying to help me. Capital One does not have anyone to discuss this issue, They reply on their computer to answer which they have. They sent me a computer mumbo-jumbo. They do acknowledge the account is closed and they have received the XXXX payment. They say there is a balance of XXXX. Those charges where placed after the account was closed. I have asked them for a statement of all the charges as well as my authorized acceptance of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I made a purchase with a merchant through PayPal on XX/XX/2020 in the amount of XXXX from XXXX. When I received the items they were not what was advertised, although items were the same size, they did not fit consistently or even at all. I tried to contact the seller, and they gave me the run around so that I could not return the shipment. I filed the dispute with PayPal and after 2 months and a declined offer of a XXXX dollar refund from the seller, a full refund was offered if the items were returned. I was fine with that until the address was given and after checking with 3 different companies, the average price for me to return the items was XXXX dollars which is MORE than what I paid for the merchandise. After further investigation I found out that the company changes its name so that the bad reviews are not able to consistently be tracked in order to scam consumers. PayPal is not giving me a refund demanding that I return the product even though I will spend more to return the merchandise than what I paid for it. When I contacted my bank, they informed me that PayPal is aware of the companies that are doing this and have recently changed the way they charge bamk accounts in the form of ACH so that the banks can not offer protection even though I never provided PayPal with a routing number to perform any ACH transactions. This is not fair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coastal Credit, LLC
State: CA

Complaint narrative:
I have reached out to this company several times one time I was offered a debt settlement then they took out a different amount and I kept requesting everything in writing they never sent me anything in writing for verification of the final date or a final that agreement none of which was ever sent to me. Now Im getting calls from a company called coastal XXXX and yet there I requested debt validation and original call original copies of the of the agreement none of which has been provided to me coastal XXXX has a number of XXXX I asked them for a fox a mailing address or an email and then it which has been provided to me also

Company response to consumer: Untimely response
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC
State: MO

Complaint narrative:
Title max, Repeatedly called my number since XX/XX/2020. They are looking for a XXXX XXXX, I have repeatedly told them I am not her and to please stop calling. They have told me numerous times they would take my number off the list and have not done so. They continue to call abput every day, sometimes twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is the fifth time, there are unauthorized accounts and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX of this year, I filed a complaint with the cfpb in reference to this company under complaint XXXX. 

The company responded on XX/XX/XXXX commenting that they would send documentation to verify this debt. To this date I have received no communication or proof ( 28 calendar days from the original complaint ). I am asking for the last time for this entry to deleted from my credit reports before I take further action. Attached is a copy of another letter sent out today requesting documentation, which they claimed to have not received before. 

Copies to other companies listed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc.
State: KY

Complaint narrative:
I received a letter in the mail XX/XX/XXXX, when I opened the letter, the first give away was the letter was dated XX/XX/XXXX. The letter stated that McCarthy, Burgess & Wolfe collection agency were trying to collect a debt for XXXX XXXX  XXXX for {$210.00}. Within 5 minutes of starting to read the letter, i get a phone call from this company saying it was a recorded line and they were trying to collect this debt, I explained to him that there was no debt owed and that I was going to call XXXX XXXX right then, he then proceeded to tell me that they will not talk to me about this matter since it was turned over to them, he kept pressuring me to pay this amount. After about 15 to 20 minutes of him pressuring me I hung up the phone and called XXXX XXXX which confirmed that there was no debt owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation