vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX  on behalf of Bureaus Investment Group Portfolio No. 15 LLC, about a debt that I was never aware of. I sent a debt validation letter requesting further information in regards to this debt on XX/XX/XXXX via certified mail. Post marked XX/XX/XXXX I received a letter back from XXXX XXXX XXXX XXXX XXXX, with only billing statements and a typed letter from XXXX XXXX XXXX informing that a credit account with them was acquired by Bureaus Investment Group Portfolio No.15 LLC . on or about XX/XX/XXXX. I sent XXXX XXXX XXXX XXXX XXXX, a letter requesting additional proof that the debt they claim I owe is valid by furnishing a contract bearing my signature or the original contract of such said debt via certified mail on XX/XX/XXXX. I received a response back postmarked XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX, with the very same information they sent to me on XX/XX/XXXX. They have failed to properly validate this debt with a signature bearing my contract. I have documentation stating where I lived during the said billing statement dates and it is an incorrect address from which they have provided on this debt. Instead they send me the same documentation from a previous request and as well a debt collection letter while this debt is currently in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I went this evening ( XXXX ) to use my roar money debit card to buy some food. The card gets declined. I have {$520.00} in the account. I contacted customer support to only be told scripted mumbo jumbo about sending documents, and the account will be unlocked in 7-10 days. All transaction history was done by me after carefully reviewing it. I'm not sending them any documents or waiting 7 to 10 days to use my money, because I did nothing wrong. I demanded numerous times to release my funds and they refused. 
I had this same issue around the XXXX of XXXX this year, and now I'm considering after this complaint is resolved filing a law suit for damages against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX  is reporting data on my credit report that is simply not true, I have been a victim of id theft thanks to a data breach by another major credit bureau, Equifax is also reporting data that is false

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
I sent {$200.00} to capital one and requested a prepaid card. I was given access. I used the card briefly 60 days or less made one payment and then was incarcerated. Now Im told that I owe {$220.00} what happened to the {$200.00} I put down as a pre-payment? That was the whole point in the {$200.00} in the first place was to secure just in case something should happen where I dont pay my bills so what are the XXXX or dollars go yes I may owe them XXXX something dollars for late fees or whatever which I have propane but Im not paying them {$220.00} and hes fighting me tooth and nail with it. Theyre saying that thats the proper amount Walt Ive asked them what happened to the {$200.00} and no one will tell me anything about it they say that they dont have access to that all they have is the balance thats owed so theres no record of any of it. But you had it sitting there sternly staunchly saying that I owe them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: FL

Complaint narrative:
In response to Complaint ID : XXXX via XXXX  under collections account # XXXX RGS Financial has not validated a claimed debt that I owed. Instead they sent an itemized bill ( attached ). I live in FL, never lived at the claimed address. I am requesting my signature for validation. If they don't continue to report, I will be sending a court summons for damages and they will have to attend my local venue here in FL over {$63.00}. I think they have the wrong person. By the way, on my XXXX report their address is reported as : RGS FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( SEE SCREENSHOT ) In their response they claimed their zip code is " XXXX '' which shows they are reporting inaccurately as well on the screenshot below. I can only image how many consumers are being taken advantage with their false address reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below EMERGE- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
I had an appointment today at XXXX for a notary to come to my house so that my wife and I could sign the refinance paperwork. The Loan Coordinator assigned to me, XXXX XXXX failed to make certain that all documents were ready for the notary. I received a voicemail at XXXX from the notary indicate that shes does not have the loan packet ready for today. Please note that today marks 90 days since I began my refinance with this company. I have complied in a timely manner and feel as if they are negligent in assisting clients. Please assist me with this matter. I have called and left voicemails, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: AZ

Complaint narrative:
XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX  XXXX the amount due is different than what each individual bureau reports it to be : Equifax - {$35000.00} reported as total due as of XX/XX/XXXX XXXX  - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the XXXX major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had a vacation paid for and booked well before the pandemic started. The US travel restrictions went into place 2 days before our trip on XX/XX/2020 as well as the XXXX XXXX closing its boarders. Our trip was obviously cancelled and I received an email from Bookit.com to contact your bank for a refund. I contacted Wells Fargo for a chargeback and to get my money back immediately. They returned my money at first then removed the funds from my account again, claimed they sent me a single letter to sign ( which if I received I would have signed to keep my money ). I then contacted them again after seeing the funds magically gone and they re-sent the letter which I immediately signed and returned. They then sent a notice saying my claim was closed and I am out of the money for the vacation we never went on. I have tried over and over and talked to several managers with no luck. This is crazy to me because I did absolutely nothing wrong, they are just being greedy and very unprofessional. I would greatly appreciate any help with this matter. It is a lot of money to me. 

Thank you for your time

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 2021-04-13 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020, an unauthorized ( not part of any contract ) {$540.00} " no show fee '' from XXXX XXXX, a hotel in XXXX, South Carolina, was placed on my Chase XXXX card. I called the hotel to attempt to get a refund, but when they stubbornly refused, I disputed the charge with Chase. I submitted all reasonable documentation : reservation confirmation from XXXX, account statement showing points debited, and the bill from the hotel for the supposed " no show fee ''. The confirmation from XXXX does not mention the existence of a no-show fee, only a cancellation fee. I wasn't able to cancel the reservation, so I forfeited the points paid, and so the cancellation fee isn't applicable as no points were refunded. This should have been an open and shut case if Chase had properly reviewed my documentation. Instead, they dragged the case on for weeks and closed it saying I didn't provide sufficient documentation. They reopened my dispute when I resubmitted the same documentation, but then said I submitted the documentation too late! They never actually contacted the merchant about this issue, deciding internally to close this case 3 times in the merchant 's favor. Their anti-consume stance and ignorance of evidence is unacceptable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to these companies to have them look into the wrong information they have been reporting on my credit and they still have not after 60 days gotten back to me. I ma very upset over this and want this handled immediately please.

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 2021-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Va loan closing of a Banco popular loan in XXXXBanco charge over {$7000.00}. In funding fees.As a XXXX veteran my funding fee should have been {$0.00}. certainly not over {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
MBFS website changed its platform autopay after my lease I was given INCORRECT Instructions on setting up the new autopay protocol. When my autopay lapsed I was not contacted via phone call or voicemail or email to notify me of the late payment. By the time I was finally contacted by phone regarding the issue the payment was already past 30 days late, at which point I paid my account in full. I was assured many times over phone with the MBFS customer service that my account would be resolved and not reported due to my o time payment history - I spent weeks providing records with no receipts on their end by fax. After endless phone calls and faxing that promised this would be removed and removed from record on their end, the claim was denied with no explanation despite my perfect payment history and promises made by CS that this was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: FL

Complaint narrative:
After reviewing my credit report, I found numerous items listed that are NOT accurate and is reporting misinformation derived from an error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I attempted to ask XXXX and Equifax to remove fraudulent credit inquiries after an agency illegally ran my credit WITHOUT my approval. I was told I had to give my social security number over the phone so they could verify me before they could answer any questions about my inquiry when I was only CONSIDERING refinancing my home of 35 years. I told the phone agent that I would comply since that was their business policy, but I was NOT giving permission to run it. 

The agent lied to me, ran it anyway and later called me and said he had come up with a great package for me! I was surprised and disturbed, but he sad he hadn't understood me ( he said I must give him my social security number to verify me over the phone, I did not give him permission to use it ), but not to worry it was only him pulling it and the deal was great! I was even going to get money back! He told me he would email the loan package and I should sign, but not tell anyone what a great deal I got. 

Later on, after I showed the package to my daughter, she told me to not sign it because the phone agent offered me excessive, XXXX rates of nearly 30 % interest! A while later when she looked at my credit, my score had dropped severely. She explained it was due to all of the hard inquiries. After that, it became a consistent problem - credit card agencies, auto dealers, etc. Sometimes, multiple times a month my XXXX XXXX showed hard pulls that I never contacted or gave permission to. My score was in ribbons! I tried to get them off but was overwhelmed and confused. I was told to call each company, which I did. Many are still on there. They told me even if they did not have permission from me that it was a common practice and they would drop off after two years. That is unfair to me. Here is the list from XXXX. I never gave these companies permission to check my credit and feel my information was passed around without my knowledge or consent. Equifax 's is in the next box due to space : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX BOX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
I purchased my XXXX XXXX XXXX on XX/XX/XXXX. I used funds I received from my local lender to pay this off. XXXX said they sent me my title on XX/XX/XXXX however they did not. I have since then been attempting to get my title for my current lien holder however XXXX has been uncooperative. They instead of providing me the title signed over, they sent a letter of no interest and a bill of sale which is not acceptable by Minnesota DMV standards. We ordered a duplicate title in XX/XX/XXXX and it has now been returned to Hyundai Motor Finance since XX/XX/XXXX. They have acknowledge they have the duplicate but have not released it. I've called multiple times, and requested I writing for them to release this by sending it to me using my own XXXX account for tracking purposes. Each time I call, they do not provide me with any updates other than it could take 7-10 business days for a reply. Its now been over 5 weeks and still no response. When I try to escalate this to a XXXX they say all they can do is send an internal email as well. I even had one gal set the phone down and ignore me when I asked to speak her XXXX. I need help getting them to respond. I'm paying {$250.00} a month, and I can't sell my car without this.

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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to PORTFOLIO RECOVERY asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that PORTFOLIO RECOVERY to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice saying this case was turned over to collections since I had not responded to previous correspondence. I never received anything from this company before so I did not know anything about it. I had XXXX XXXX XXXX on XX/XX/XXXX and I have gotten another bill from an outside billing source which is probably related to this one. I've already talked to the hospital and they informed me after the fact that they bill doctors in the emergency room outside of their hospital. I already set up a plan to pay monthly and it's almost paid off, but I didn't know that I would be getting other bills from another source. This is unfair and was never explained to me. I have already spent several XXXX dollars and now I'm getting hit with all these new bills. 
This new bill looks suspicious. I received it after their office closed so I haven't been able to call them. I discovered from other sources online that they are not cooperative on the phone so I sent a message to the hospital who performed my XXXX XXXX and explained the situation. I'm worried that my information must be out there in the wilds if I'm suddenly getting these notices. I also don't want my credit ruined because I have an excellent credit rating. I'm nearly XXXX and I don't need this, and since my XXXX XXXX I have been in bad condition. 
If this is legitimate, I need proof I owe this money since I never received it so I don't know what this bill is for. The last bill was for radiology and something else, but I discovered I didn't owe what they said I owed. My XXXX and VA accounts paid for it, but they still charged me. I suspect the same to happen with this collection service.

Company response to consumer: Closed with explanation