vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports. they refuse to remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2020 I had a VA loan associated with XXXX XXXX that was closing on a house in Texas. I was told everything was okay I would be looking for my payments to start on XXXX of that year. So without my knowledge or email or phone call or letters from XXXX XXXX. My account was sold to Wells Fargo with a new account number and login. They say they sent a letter XX/XX/XXXX to my mothers home, but that was a lie it was sent when I requested it and it was no back date on it. My mother always checked the mail and it was forwarded to her. I was stuck in XXXX because of covid and had all my mail sent to my moms house. I made sure to do that once I closed on the house. So with all this going on Wells Fargo took it upon themselves to start reporting me being late to the Credit Bureaus of none payment when I didn't even know at the time my loan was sold to someone else. Then on top that my loan was a XXXX XXXX XXXX and was supposed to not be reported to the credit bureaus. Now I tried and tried to do everything I known I could dispute with the credit bureaus all that. I don't like Wells Fargo they are corrupt and they don't care. So I was hit {$45.00} late fee here and there even when I started paying on the loan for my house. They said they would waive them but never did. Also all government backed loan during then pandemic where not subjected to late fees as well. So I don't know what they are doing over there but I want to get help. My score when from a XXXX to a XXXX because of them. I am a single XXXX XXXX XXXXXXXX XXXX not able to work. Also I have email correspondence with XXXX XXXX and XXXX XXXX of XXXX XXXX and I never received a email of my new account number and where was my account being sent. I found out on my own. And no correspondence from Wells Fargo telling me my new account number.

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 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I opened a XXXX Checking account with HSBC Friday, XX/XX/2020 following their promotional offer on their website. The offer goes as follows : XXXX HSBC XXXX WELCOME DEPOSIT CHECKING OFFER 1 HSBC XXXX {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC XXXX {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC XXXX checking account from XX/XX/2020 through and including XX/XX/2020 ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC XXXX checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC XXXX checking account from third parties at least once per calendar month ******************************************************************************************* I have met all the requirements from top to bottom. It has been 7 months since the opening of my account. I have reach out to them on several occasions and each time they either ignored my email or said that they would investigate the case. In the last email, I told them Id file a complaint if they did not act to the promotional offer. Then, they got back and said that I was not eligible to receive the promotion. They claim that I did not open the account through their webpage and I must prove the otherwise in order to receive the promotional payment! The promotional offer was the ONLY reason why I opened this account, and, of course, trusting the HSBC, keeping any kind of proof ( whatever that means ) never crossed my mind. I have never heard of such an absurd and unfair case where I have to prove that I used their website. How else could I have opened the account? I have a PhD in Finance from an XXXX XXXX XXXX, and the HSBC should not think that their customers are XXXX. Instead, they should treat their customers with some dignity!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Why are these XX/XX/XXXX transaction being charge on my account? I have already called you guys regarding this. and now i'm getting a charge back? what the deal? XXXX XXXX XXXX XXXX and XXXX. This is wrong and nobody deserve to be treated like this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Since the last complaint I filed, they have still done nothing and why do they get off so easy by just replying and closing out the complaint? 

I would just like to know why? 

Looking at this log of messages sent, you can see that we have been requesting the CARES act forbearance since XX/XX/2020. Numerous calls and letters, so many times being told to call back, it's in progress, you don't know or many other excuses. 

Over a month ago we were directed to upload documents which we did. The current status is " awaiting decision '' for over a month. And yet they can easily generate a letter to us in the mail regarding our late payment. 

So the question then is why? and when? and how is this even considered acceptable?

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 2021-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I disputed this alleged repo with Santander and sent my dispute through the USPS Postal Service certified mail on " XX/XX/2021 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent Equifax two dispute letters on XX/XX/2020, and XX/XX/2020. All of the dispute letters were sent by certified mail. In response to these disputes Equifax failed to verify incorrect accounts on my credit report. Also, Equifax has violated CFPB laws stated in documentation not being able to verify with " so called '' creditors on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My card was stolen and used in several places so I disputed the charges on my card and now they have over {$1600.00} of my money on hold and are basically telling me it was my fault when I didn't even have my card from XXXX ... and I just need my funds back!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I was contacted by I.C. System, INC. about a medical debt from XXXX XXXX. On XX/XX/XXXX I went on their website and payed the entire balance listed, Which was {$600.00} by ECheck. Listed at the bottom of the confirmation page was the following statement " Once your payment is successfully processed, your account owing to XXXX XXXX will be listed in our records with {$0.00} balance ''. That amount was taken from my bank account on XX/XX/XXXX. This debt was paid off in full yet I am still receiving settlement letters. I received a settlement letter on XX/XX/XXXX and again on XX/XX/XXXX. Both letters list the balance as {$2600.00}. I am not sure why I am continuously being sent letters that claim I owe a large amount of money even though I have paid this debt. I have attached : the confirmation page on the I.C. System website that shows my payment in full, my bank statement showing I.C. System withdrawing {$600.00}, and both settlement letters I received in the mail. I assumed that the settlement letter I received four months later was a mistake so I did nothing about it. But now having received another one, I know that they are trying to scam me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: ID

Complaint narrative:
XXXX we received our monthly statement along with the Escrow shortage statement from Guranteed XXXX. Our payment was at {$1600.00} last year so when we received the shortage statement of {$330.00} we paid that with our payment on XX/XX/XXXX. It noted on the receipt the payment was received and the {$330.00} would be credited to the escrow account. We received XXXX 's statement which did not reflect the Escrow shortage amount we had paid and had gone up to {$1600.00}. XX/XX/XXXX I called the lender but no answer, I called again XX/XX/XXXX and again no answer. I called again XX/XX/XXXX and again no answer. I paid our payment late at this point because I could not get a hold of anyone. I called again XX/XX/XXXX and a guy finally answered but said they were having IT issues and could not help me, I called again XX/XX/XXXX and spoke with a woman who said she would get the issue fixed but wait until XX/XX/XXXX to make the payment. On XX/XX/XXXX we received a new mortgage payment of a shocking {$1700.00}. The payment increased it did not decrease like it should have. I am suspecting they subtracted our escrow payment twice or more. On top of which the payment went from {$1600.00} in XXXX to {$1600.00} in XXXX which does not make sense to begin with. Even with the escrow shortage the payment should have only increased to {$1600.00} a month not up to {$1600.00}. But again no one can give me an answer on anything. As a consumer I need to get this fixed as this is an annual occurrence of which we fight every year. Last year it took 3 months to get fixed and the following year it took 9 months to get fixed. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I sent a debt validation letter on XX/XX/2021 to Debt Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and they received my request on XX/XX/2021. This company has failed to validate my debt. Instead they sent me a bill which is not what I requested. Please delete this information from my credit file and cease all collections activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Since XXXX, I have been trying to get an erroneous Bankruptcy removed from my Experian Credit file. After numerous complaint, Experian stated that the United States Bankruptcy Court Eastern Division in XXXX, CA verify that a Bankruptcy belong to me. 

XX/XX/XXXX, XXXX removed the Bankruptcy from my credit file. Experian received the incorrect information from XXXX XXXX. 

XX/XX/XXXX, I received a letter from the United States Bankruptcy Court Eastern Division in XXXX, CA, stated that the did not report information to credit bureaus. So how did Experian verify my account status for the last two years.

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 2021-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
You guys did a charge back on my fraud and when i tried to call you guys about it. Everyone doesn't know what's going on and they kept transferring me to another person, I kept getting yell at and i'm tired of calling and speaking with you guys over the phone, during this time of pandemic it just show how much you guys hate other people still, i dont know what kind of training you guys have going on but it needs to stop!! the charge back was 4 of them on XX/XX/2021. If you guys can't help me or fix it then no body deserve to be apart of capital one. this company is turning to be more " XXXX 's '' I'll see how you guys handle this situation and see what right. If not i'll find a way to let everyone know about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I have two accounts with fortiva. I've been paying a lot of late fees. I am 2 months behind because my checking account was closed. I'm been trying to pay down my balance. But the late fees keep adding up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: AL

Complaint narrative:
I have a credit card with a total visa. I have been late with my payments. But I am currently paying down my balance. I am a total of {$200.00} over my credit limit. But with the late feels because I can't pay the full balance to get my account current and below the credit line. I am having a hard time paying down my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
This company Consumer Portfolio Services has been ripping people of and preying on people with bad or no credit. They manage a subprime lending group to finance individuals in need of autos so they can deal with dealerships that sell used cars and then they get funds from the sale of the cars along with the dealer. I have a loan with them and was told that it is a simple interest loan with more interest going toward the payment than on to the principal. Most individuals are upside down on the loan because of the interest being so high and it is ridiculous. They also charge an extra 12 dollars just to use a debit card or electronic check unless you use their service XXXX that is located in stores such as XXXX, or XXXX XXXX and it has to be cash to use these services. I am also inquiring about how the manage to put my account in arrears a few months ago when they told me that since the car stayed broken down that they would put 2 of my payments toward the end of the contract. They are ripping poor people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Williams, Rush & Associates, LLC
State: LA

Complaint narrative:
Never received orignal contract with my original signature stating I ow the account. Never received a debit validation letter they put the account on my XXXX  account and messed up my credit score needs to be removed immediately

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: OR

Complaint narrative:
Due to COVID-19 I had to close my self Lender account which was a credit repair loan. Prior to closing The account I was asked to provide bank statements which was very strange I was told that I could not close the account until I provided bank statements which was to confirm that I was the account owner I had previously done this once before so at this point I thought it was a violation of my privacy and ask for another means of doing so I was told to mail in a copy of my drivers license which I did. During this process the last payment XXXX was reported as late once I finally was able to get the account close which was the following month they had listed it closed for XXXX although in XXXX I was going through the process of closing the account. I also had a credit card with this company I had never had any late payments listed anytime before COVID-19 Because I was ordered to quarantine for a month and also took care of two family members that had Covid I was unable to work because of the state mandated stay at home order in a mandated quarantine after getting Covid. The account was brought to a XXXX balance but the company still refuses to mark XXXX as the actual close date and remove the late payment off my account even though the account was self funded brought to a XXXX balance and closed out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my XXXX and XXXX accounts immediately

Company response to consumer: Closed with non-monetary relief