vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Was contacted by PYOD Earlier this month about a collection that was not mine. I told them it doesnt belong to me. Now its on my credit report. I called XXXX and tried to Dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VALLEY NATIONAL BANCORP
State: TX

Complaint narrative:
I purchased a car out of state on XX/XX/XXXX and financed it with Valley Bank. I paid off the loan on XX/XX/XXXX. Since then, I have not received an acknowledgement of the payoff, nor a release of lien. I have attempted to contact Valley Bank numerous times about this issue. Each time, it takes between 4 and 8 hours to be connected with an operator and the operator never can get in touch with the load department. The operators claim they submit tickets on this issue, but I have not received any further communication from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
In approximately XX/XX/XXXX, I had some procedures performed at XXXX XXXX XXXX in XXXX  XXXX. There were some questions on some of the charges that I was disputing following the receipt of the billings. This went on for a couple of months. In approximately XXXX of XXXX they sent the bills to Transworld Systems for collection, and TSI sent me a notice. Immediately upon receipt of the notice I called TSI, and set up two payments for consecutive months. Those payments were made on XX/XX/XXXX to TSI for {$600.00} and the second made on XX/XX/XXXX to TSI for XXXX which cleared the XXXX XXXX account. I made those payments without threat from or to TSI. 
In XXXX, XXXX my credit ratings dropped from the XXXX to the low-mid XXXX 's. I called up my consultants to pull the credit file and found that TSI had listed this as a collection, although it showed a {$0.00} balance with a high balance of {$1100.00}. It first showed up in XXXX, XXXX as a " XXXX Balance Collection '' and is reported each month as a XXXX balance collection, since. 
I have spent hours on the phone, in multiple calls, with different representatives of TSI. There was never any indication from TSI that if paid, especially quickly and voluntarily, that this matter would be added to my credit file. In the last phone call XXXX XXXX, XXXX XXXX the overly surly representative said, for the first time, that those payments were used for another debt that they had. I told him that was impossible as I had no other debt on their, or anyone else 's file. He informed me that a bulk of it was used on a debt which was not even on their books at the time I made the initial payments of {$1100.00}. There was a new collection from XXXX in the amount of {$2600.00} that was billed to me by TSI on XX/XX/XXXX and paid in full on XX/XX/XXXX. There is no way that any of the prior amount could have been used for the XXXX amount. Nor did I authorize the payment of {$1100.00} to be used for anything but the original debt. I asked the last representative to please forward me a complete accounting of my charges, payments and dates made to and by TSI. To date, over six weeks has passed and I have not received any further correspondence from them. 

I urge Transworld Services to please remove this collection from the three credit bureaus. While I was having a dispute on the original bill, XXXX sent it to them erroneously, then once I got the original collection, it was paid immediately. Then after the fact, TSI listed it as a Paid Collection was put as a zero-balance paid collection on my reports. This has ruined my credit. I do not have one other late payment on my credit. Please do the right thing and remove this blight on my credit. 
If not, how can anyone ever trust you and the way you do business?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dana & Pariser Co.,L.P.A.
State: OH

Complaint narrative:
Today. XX/XX/2021. XXXX XXXX EST. 

I am a XXXX veteran. I am attempting to settle a debt through this office who is deliberately making my debt settlement impossible. 

In XXXX, we were provided a settlement amount and told we would have to send the money via certified check to this company. We did so, but found out recently, the money never drafted from our account as the check was never deposited on their end. I am unsure, with COVID-19 mail issues, if that is the culprit or if perhaps it was lost in their office. Regardless, I have since canceled the check and I, XXXX XXXX, reached out to establish another settlement amount and inquire if there is an opportunity for us to perform an ACH withdrawal instead of doing the certified check ( to prevent further delivery issues ). 

This companys account representative 's behavior was the most atrocious customer service experience we have ever been through. The demeaning, disrespectful attitude and offensive comments she made, were beyond unacceptable for a professional workplace. If this is how their company operates, it is absolutely unacceptable She consistently interrupted me as I was attempting to explain the situation ( with the uncashed check ) and why we are looking to get this taken care of immediately. 

I stated, " I need this to be resolved, so I can be approved for my new mortgage, as I do not want to be homeless with my children. '' Her response was, " Well, I am having a hard time understanding if you sent in a check with the original settlement amount, how you do not still have that money. '' I stated, " As my wife just said, that is none of your business, but, '' She cut me off and said, " You're right. Call me back when you have the money, otherwise enjoy being homeless. '' I absolutely expect her unprofessional behavior to be addressed. 

I also expect her then follow-up retaliatory behavior to be addressed as well. 

I called back to attempt to talk to a manager, who she stated there would be no point in transferring to because we would be met with a voicemail. She then said, she already spoke to her manager because of " our situation, '' and that your will no longer accept the payment through ACH or debit withdrawal. This is clearly retaliatory and the most immature and unprofessional response to customer concerns I have ever experienced. 

The company is also refusing to provide me with any documentation of the debt I owe, and/or, any settlement amount/payoff documentation up front prior to paying my debt. 

Never in my professional working career, have I ever experienced behavior like this from a customer service representative regardless of whether it is a debt collection company or not. 

They are purposefully making my ability to resolve this debt beyond difficult. 

I expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
During the COVID pandemic I fell into hardship. I entered into a forebearance plan with XXXX XXXX my original loan serviced. During the forebearance the loan was sold to another mortgage servicer, Freedom Mortgage. Starting in XXXX of XXXX I began being able to make payments on my mortgage again and began to do so with an overpayment. I paid {$2000.00} each time. On two occasions I have contacted Freedom mortgage to come off of the COVID 19 forebearance plan after receiving threatening notices that they were looking into the option of foreclosure. They recently sent a statement that had an offer of coming off of forebearance but if I did not respond by XX/XX/XXXX that I would have automatically denied the offer. The day I was notified of this offer was XX/XX/XXXX. I asked questions about the amount of principle and terms of the loan modification they offered and the agent refused to answer my questions. I was told I would be contacted by a person who would explain these terms to me. Today XXXX XXXX I was contacted by a person to possibly explain the terms of the loan modification but the person wanted to record me and would not consent for me to record the conversation as well. At this juncture I am continuing to pay {$2000.00} for my mortgage which is nearly a {$500.00} over payment to show effort and good faith to bring my loan current. My fear is if the forebearance protections set forth expire they will try to foreclose my property while I am trying to legally come off the forebearance plan as set forth in the government protections in place since XXXX of XXXX. Freedom mortgage to this day has refused to work with me to complete the steps required by law to end my forebearance.

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 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: VA

Complaint narrative:
My name is XXXX XXXX I got notified by XXXX XXXX that lg ross was now listed on my credit report. this has caused much damages. never received notice from lg ross. they are collecting from a XXXX XXXX  account that was fraudulent. Please have them remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
TD Bank NA decides to close my account for digital fraud. I still have roughly XXXX in the account still and they have yet to cut me a check or wire it to me. 
Their reasoning was for not giving me back my money was I have to physically go to a branch to get back my money. I am not sure if TD knows but there is a global wide pandemic going on and traveling across countries is impossible. 
I was redirected to their " Demarketing '' Department but was left on voicemail every single time I call that line. They prompted me to tell them my reference number ( which I was never given and when requesting for one, they don't know what it is XXXX, my account number, phone number, and best time to contact me. I have provided them with all the information I can give, but to no avail, they have yet to contact me. I have tried emailing them, calling them, and even went to my local XXXX home branch to try resolving this issue but TD decides this was not worth their time. It has been almost a month and I have finally received a letter from their head office saying my account and relationship with them are closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear Sir/Madam : On XX/XX/XXXX an unauthorized charge by XXXX XXXX XXXX XXXX XXXX, in the amount of {$120.00} was posted to my Citi credit card account ending in XXXX. I was also charged a " foreign transaction fee '' by Citi of {$3.00}. I reported the unauthorized charge and disputed the charges and received credit for both. I closed that account and requested a new card. When I received my statement, another unauthorized charge of {$120.00} by XXXX XXXX XXXX XXXX XXXX was posted to my new account ending in XXXX on XX/XX/XXXX with another foreign transaction fee of {$3.00} charged by Citi cards. I made several attempts to dispute the charge by phone and by chat. Citi does not have an e-mail address on their website for customer service to dispute a charge. I closed that account and received another card ending in XXXX. The disputed charge was transferred to my new account! I have since paid off the account minus the disputed charge. Citi has closed my account and is marking is past due which affects my personal credit to the point where my credit score has dropped considerably and it has affected my ability to get a loan. I would like to report Citi 's lack of help with this unauthorized charge on my account and that they transferred the unauthorized charge to my new card after I took the necessary steps to prevent this company from accessing my account. Thank you.

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 2021-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After recently reviewing my credit report, I took notice that the Capital One Credit Card account is currently in a Charge off status. I sincerely would like to take care of this account as soon as possible. 
Due to XXXX & the loss of my job, unfortunately got behind on my payments and was unable to meet my obligations. 
However, since then my situation has greatly improved and I was able to pay the full amount of {$510.00} that I owed the company XX/XX/XXXX. 
After successfully paying off my credit card, I had attained knowledge from XXXX that my card had been charged off & it will sustain these charges until XXXX. I am not agreeing to a credit report that express such charges. There are various reasons as to why I do not agree & those reasonings vary. First, under the FRCA it ensures the accuracy, fairness & privacy of the information in credit bureau files. The accuracy on my Credit Report is invalid in many aspects. A charge off should appear when your credit card is 180 days past due, mine was not. On XX/XX/XXXX I made a payment of {$50.00}, which had been posted. The scheduled payment was set for {$25.00} which I had paid double that in attempts to pay off my debt little by little. From the XXXX of XXXX XXXX XX/XX/XXXX ( the date my account was charged off ) is not the 180 days needed to acquire an charge off and is inaccurate. Second, there are entries that state that I had not made a payment to capital one. For example on XX/XX/XXXX I made a payment of {$200.00} & it was flagged on my credit report that I had not made a payment for 30 days. Which is untrue. Amid that there are very contradicting entries as well, such as incomplete data on my payment history for dates I made a payment on. Lastly, Ive contacted both XXXX and Capital one to correct the information that is inaccurate and incomplete, which they must do legally, as well as remove the charge off from my account. Both companies did nothing about the issue & gave me the run around completely. Ive filed 3 disputes with XXXX so far & the charge off and inaccurate information has not been updated nor removed. I also have evidence of my balance amount on a chart that lowers around the dates that It claims I hadnt paid. How could my balance amount lower if there were no payments made? Receiving a charge that I did not rightfully earn is absurd. I wish for the charges to be removed & the inaccurate information to be updated. I believe this creditor has violated the FCBA as well as my own rights. I will not accept this charge as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again gain the credit score & cleanliness on my report that I once had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
MONEYLION PROTECTS HACKERS WHO STEAL YOUR DATA AND PROMOTES FRAUD WITH THEIR PLATFORM I found that MoneyLion had opened a bank account without my permission and the only way I was notified was with the envelope that contained the debit card with the account number in it. I clearly did not ask for this and I do not want my credit to be ruined as a result. This was documented in two previous complaints, and they claim that they " helped '' by suggesting I submit to a credit freeze, even though their fraud detection failed and NO OTHER COMPANY HAS HAD THIS ISSUE. When I contacted the company to resolve this issue and figure out who had hacked my account, after admitting it was fraudulent, they refused to help me and instead sent me to FAQs about credit freezes, hiding behind their own privacy policies to protect the perpetrator who hacked me, claiming I have to file a police report to get this information. Why am I having to do this work to file out a report when their system was the one that failed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
There are three companies involved in this matter. I play games on my phone with XXXX and they have issued 14 refunds to me the refunds were supposed to go to PayPal. Paypal claims they sent them to my XXXX XXXX debit card. its a total of {$480.00}. All 3 companies blame the other companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I was made aware of a derogatory mark on my credit report XXXX XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this collection was paid in full on XX/XX/XXXX to Credit Management LP via XXXX XXXX. Credit Management LP has violated my rights as a consumer and I am requesting legal action to remove this collection account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to Credit Management LP in reference to the incident but havent received any feedback.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
SunTrust Bank purchased my mortgage from XXXX XXXX XXXX sometime around XX/XX/2021. I first became somewhat aware of the purchase on XX/XX/2021 through my credit card app which notifies me of changes to my credit report. I figured I would be getting a notification in the mail or through email letting me know where I should be sending my payments now since I hadn't gotten anything yet ( this is not the first purchased mortgage I've been through ). A couple days later I noticed my autopayment for XX/XX/2021 had not gone through with XXXX and got worried. On XX/XX/2021, a Sunday, I got a payment reminder through email from SunTrust letting me know that my payment for XX/XX/2021 was due and had not been received. Since it was a Sunday, no customer service representatives were available to speak with. While I had absolutely no information about my new account, I was able to navigate through a confusing web of automated phone instructions to set up a one-time payment and avoid a late fee using my SSN and property information. On XX/XX/2021 I was able to get through to a customer service representative with SunTrust, again after a confusing web of automated phone instructions, to ask what went wrong and at lease obtain my account number to set up an online banking account. The SunTrust customer service representative said it was XXXX 's responsibility to provide me with updated information. She said that they had gotten a number of calls from people " claiming '' they too had not received information when their mortgage was also bought from XXXX ; however, she assured that they all did in fact receive the appropriate disclosures, likely overlooking them in the mail. I am very careful sorting through my mail, and I've gone back to check my email several times and have never seen any disclosure from either bank about the sale/purchase of my mortgage.

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 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
Multiple issues with trying to pay off loan. Moneylion has been taking a " subscription fee '' of {$19.00} every month since the loan started. Every attempt to pay off the loan has been rejected and any help from phone calls are non-existent.

I have called Moneylion multiple times and they recommend that I add another debit card to pay it off, but each time only the " subscription fee '' has been taking off of the card instead. Any attempt to pay off the loan has resulted in a " we are sorry, call back within 3-7 business days and we will attempt to fix the issue again ''.

Because of MoneyLion will not let me pay for my loan, I have been frequently getting missed payments added to my credit report, resulting in my credit score tanking. They LOVE to take money from me as a " subscription/membership fee '' but will reject all attempts at loan payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
To whom it may concern, I have a charge off from TD BANK USA/TARGET CREDI that is still listed on all of my credit reports.

I called several times regarding this and was told by TD BANK USA/TARGET CREDI company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( TD BANK USA/TARGET CREDI ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised.

Card Detail : TD BANK USA/TARGET CREDI Opened XX/XX/XXXX ( 6 yrs, 5 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.

Company response to consumer: Closed with explanation