vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Volvo Financial Services had sent an End of Lease invoice to me. I received this invoice but was very limited in methods of payment. I logged on to my Volvo online account and the account had been removed from my profile because the lease had ended. Their automated system allowed a look up by social security number. When I entered my social security number, once again nothing was found. This was due to the account being closed due to end of lease? How can an institution invoice you a final bill for wear and tear, yet remove all online forms of payment available to you? Due to XXXX and my own XXXX, I couldn't go to the post office. Additionally, I don't have checks for my account as they cost too much. Its 2021 and super frustrating that Volvo charged this account off. Mind you, I also called and every time I tried to pay the invoice over the phone during Covid there was over a 2 hour wait on the phone. In fact, when I got notice of the charge off I ended up paying right away over the phone. It took me 90 minutes of hold time. I missed to mandatory meetings at work and had to be XXXX for it. This is not something that should result in a charge off. Volvo should take responsibility for removing my ability to pay my invoice online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: BTH Management
State: FL

Complaint narrative:
XX/XX/XXXX started repayment plan with plaza services initiated by XXXX XXXX XXXX XXXX 1 year payment plan paid of in XXXX following year. Plaza took 2 payments in XX/XX/XXXX. Have never received title have contacted numerous times no answer on phone or by Email. XXXX original loan company says they washed hands of the loan when sold to Plaza. Original problem started with XXXX because never received title to put Motorcycle on road in MD. spoke with multiple times was told would get after a year got fed up told them would stop paying on and put money into Escrow until received title. So they put Bike up for Repo then Spoke with Repo company whom assured me I would get title once paid of. If I took payment plan from Plaza Services LLC. so did that. When I go onto there website it shows I owe XXXX which I have no problem paying as long as I get my title. Have tried contacting customer Multiple times no response with Email or Phone.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and TransUnion. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX  and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with Experian and XXXX. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.

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 2021-05-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Claims To whom it may concern : Through this letter I request the resolution of fraud claim number XXXX. 
On XX/XX/XXXX, I received a text message on my phone asking me if I recognized some transactions. I answered " NO '' and I immediately called the phone number listed in the text message. 
While calling, I went to online banking and to my surprise I discovered many other consumptions. I started " dispute this transaction '' online in addition to the claim that had been opened by phone With the nerves of the moment, since it was more than {$2000.00} dollars, I made the mistake of disputing the XXXX  XXXX transaction. After reviewing the facts with my wife, we concluded that this transaction was made by my wife when she went to the park with my children and bought them sodas, but since we live in the city of XXXX, Fl and not in XXXX, FL, we think that it was part of the fraud Along with this letter I am attaching an email that XXXX sent me confirming that I did not make the consumptions that appear there. Of course I have an XXXX account and I use it frequently, but in my profile, as you can see, I also have my XXXX credit cards set. 

I definitely did not do the consumptions of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I have doubts about some consumptions of XXXX and XXXX since in XXXX we only buy for very smaller amounts because it is expensive and in general we use the credit cards of XXXX, and the XXXX grocery of XX/XX/XXXX for {$270.00} that if it was buying online is part of the Fraud also because we NEVER buy online in supermarkets. You can easily check it by checking our history I have lived here in the XXXX for less than two years and it is the second time that I have to change the card due to this problem ... 

Please I want to solve this because it generates a lot of stress for me to enter my account and see a balance of {$2500.00} that is the product of a FRAUD and does not correspond to me Thank you in advance for the management

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 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Data and Contact Management Solutions, LLC
State: WI

Complaint narrative:
Hi They are continuing to harass me even though it is disputed. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on Social Security. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
Cavalry SPV I, LLC refuses to validate debt after multiple attempts. 
On XX/XX/2021, a 609 letter was sent to bureaus and Calvary to validate debt through " physical verification of the original signed comsumer contract ''. 
A response was received on XX/XX/2021, Per your request, please find enclosed the verification of your debt. Your account is now subject to resumption of collection efforts. The only thing attached to this letter was an erroneous bill without any verification and without giving me a chance to respond by stating my collection efforts will resume. 
The next day, XX/XX/2021, I sent a failure to validate letter again stating my rights by law and laws stating they need to validate further. 
On XX/XX/2021, I was sent exact same generic letter and erroneous bill without any changes in response. Cavalry only changed the date at the top of letter and sent same exact information to me.

After sending yet another letter for verification, Cavalry sent the same exact information a third time on XX/XX/2021, without any changes except the date. 
Cavalry is not only giving me the run around with validating they are completing lacking abiding by the law and the consumer by ignoring all requests and simply copying and pasting same responses with only a change to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I attempted to transfer all my money out of HSBC early this year following their plan to cease personal banking business in the US. My account got suspended when I tried to transfer the money to my account at another bank for no reason. After repeatedly calling HSBC for resolution, someone from Fraud department instructed me to email them an empty check or a statement to verify my ownership of my account at another bank. I sent them the required information promptly in XXXX. It has been over 2 months and it has been radio silence on the XXXX side and my money remains frozen for no reason. XXXX 's conduct has caused unnecessary financial distress for me and my family. The fact that XXXX made no attempt to communicate, provide notice, or provide any update on the issue is stunning. This level of customer treatment is a such violation to a whole host of CFPB consumer protection rules and UDAAP. I also wonder if such a treatment is as a result of my race and origin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On or about XX/XX/2021 Velocity Investments LLC/ Velocity Portfolio Group contacted me via dunning letter attempting to collect a debt, by assuming I owe a debt to Velocity Investments LLC/ Velocity Portfolio Group ( Exhibit A attached ). On XX/XX/2021 I mailed a letter request that they validated the debt ( Exhibit B attached ). On or around the last week of XX/XX/2021 I received a package from XXXX XXXX, XXXX with countless document associated with my credit file/report which I never gave them authorization to obtain. XXXX XXXX XXXX is in Violation 15 USC 1681q, 15 USC 1611 ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692c, 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d ( 2 ), 15 USC 1692e ( 14 ), 15 USC 1692f ( 1 ), 15 USC 1692g and 15 USC 1692j ( a ).

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 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SD

Complaint narrative:
disputed XXXX bill was put into collections in the year 2006, no action was taken by XXXX at that time. now a collection company by the name of jefferson capital is trying to collect the amount owed to XXXX and it has been over 10 years from the date we had the dispute on the phone service plus it was on the credit report still. ilooked online about jefferson capital and a lot of the reviews said that they change the dates of the collection dates so they dont go over the 7 years allowed by law to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I my additional payment of {$250.00} made on XX/XX/2021 shows to have been reversed on the ledger, however, it hasn't been retroactively back dated to the proper balance or daily interest rate I should be charged since XX/XX/2021. I've submitted my snap shots from XX/XX/2021 and this morning XX/XX/2021. 
The lack of integrity is astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: AL

Complaint narrative:
I dispute this alleged medical debt for 2 reasons : 1It is a direct HIPAA violation which is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. ... Failure to implement safeguards to ensure the confidentiality of a given patient. 

2 Under the Fair Debt Collections Practices Act ( FDCPA XXXX. I have the right to request the validation of the debt I owe you. So please provide me with the original creditor documentation/records. And a sworn affidavit from the person who handled these records. As well as proof of release of any part my medical records to you ( a third party ). 

If you do complete the above tasks... I will be taking legal action against you ( Tele Recovery of Louisana and XXXX XXXX XXXX XXXX for releasing part of my personal medical records.. .without my prior authorization. 

In summary.. .it would be in your best interest to delete this debt on all 3 credit reporting agencies or face legal ramifications.

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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My account was hacked through the coinbase website on the early monring of XX/XX/2021. They used coinbases secutiry features to remotely access my account/phone and reset my password and change my phone number. " They '' bypassed all of Coinbases security features and stole {$14000.00} that I had in my account. They also started withdrawls from my checking account that totaled in amounts over {$3000.00}, I was able to cancel these transaction I have contacted Coinbase numerous times. They have no live support, I was emailed a case number and have not heard anything back sense.My account was locked and I am no longer able to access any of my info. After doing some research it appears that it is common for Coinbase to give people a support ticket and never follow up. I want my money back from coinbase. It appears that people having money stolen from or by Coinbase is very common.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a cash app account at the request of my tenant, that is how he wanted to pay his rent since we are in different states. On XX/XX/XXXX he deposited {$1500.00} in my account, I tried to activate my card and I couldnt get it activated, so I called the toll free number that cash app had on their website, a man with broken English answered the phone ( which didnt alarm me, as that happens often ). During the course of the conversation he was sending me codes from cash app which I have copies of. We also got disconnected and he called me back on a XXXX number which didnt alarm me either as so many people are working from home. After he helped me activate my card ( so I thought ) he asked me if I wanted my limit increased and he told me some numbers to punch on my phone to increase my limit. When I hung up I had a feeling something wasnt right ( I worked in a bank for 25 yrs and I am not easity scammed ) so I brought up my bank account and {$1000.00} was withdrawn and deposited in my cash app account. I then emailed cash app immediately and told them what happened and not to let any money get withdrawn from my account. They sent me back a confirmation of receipt and I emailed them again and told them to hurry up as I didnt want anything to come out of that account. I couldnt do anything on my end because my phone was jammed and it would let me do anything. They did absolutely nothing, the next day around noon they let a withdrawal from my account for {$2500.00} go through. Cash app is liable for my loss because they had bogus phone number posted on their website and then when I notified them at approximately XXXX pm on XX/XX/XXXX they did nothing and let {$2500.00} get withdrawn from my account the next day. After exchanging over 40 emails with them and getting nowhere, I contacted the California BBB and they were able to get them to refund me {$1000.00} but cash app still owes me {$1500.00}. I have copies of all the emails and their answer to BBB that I would like to send to you, they tell a considerable amount more that I am able to in this description.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
In an attempt to collect a debt, the agency poses as lawyers and alleges that a " XXXX XXXX XXXX XXXX '' is pursuing " serious allegations against '' me that are are four federal, criminal charges if I do not resolve the debt. The amount of the debt changes from time to time, and they are all affiliates of the same company. In particular, this agency has already been ordered in Administrative procedings to cease this activity in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
my name is XXXX XXXX and i had a conversation with discover card rapresentive on XX/XX/XXXX requesting to lower my interest rate to 4.99 do to the fact that i had an offer of 0 percentage from a new card if they could lower my present interest rate. 
they agreed to lower to 4.99 and send an email to confirm it. 
enrollement should start in XXXX payment now they denied such agreement and charge me XXXX XXXX XXXX dollars of inrerest on my balance. in a conversation with an agent she told me that the note on the account said that i had an agreement of lower interest rate at XXXX and she did not know why did not get activated. she put in line with a supervisor name XXXX which change complete the issue and told me that no such deal ever occurred. 
obviously she lied and they deserve to get penalizes for breaking all the consumer law in book and the supervisor XXXX need to get XXXX.am requesting the involvement of the cfpb in this matter and disbar the discover card for fraud against consumer.

Company response to consumer: Closed with explanation