vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stephen L. Bruce, P.C.
State: AR

Complaint narrative:
I had a default judgement file against me from Stephen Bruce & Associates which is in XXXX, OK. They never serve me any papers so I knew nothing about this until I got a letter in the mail. I have sent them multiple letters asking them for Validation of debts and they have yet to show me proof of this allege debt that they claim I owe them. They have only sent me statements which shows that this allege account that they say I owe is pass the statute of limitations in my state which is 5 years in Arkansas. And I also thought that I was suppose to get 30 days to answer them back for the judgement they file against me and they didn't give me the 30 days to answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they  making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: OK

Complaint narrative:
Im trying to activate the card. Set up my account and created answer to a security question. Wrote down the answer exactly as I entered it. I did put a space in the answer but I didnt see any instructions telling me not to do that either. Ive done it on other apps with no problem. The app told me my card was locked and I have been unable to activate it either on the app, online or over the phone. The written documentation sent with the card instructs to do it any of those ways. Since it locked up, I attempted to get assistance from the number provided. It says a live agent will be available as soon as possible but I could not find anyway to get to a link who could help me with my locked card or activate it. It takes you through a series of unrelated links and tells me I will be charged for calling for my balance ( I know my balance, Im not calling to hear it ) and so I wait online for over 1hour and the line hangs up on me, then the over 2hrs until I cant stay up any later. So I check my account that I can log into and it has 3 charges of {$.00} each for something I was asking for ( balance inquiry ) and I still get not the slighted hint that I might get some help. So is two issues instead of one, its not the amount of money charged that bothers me. Its the lack of accurate information, live customer service 24/7 like they advertise on their website and the audacity to charge me for things on an account I cant even use yet. Either the mailed instructs or the phone number are wrong. And I called every number I could locate. I started this at XXXX and started this complaint when I located a link with your address on it after XXXX. Im not the only one going through this with this card company. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I used the Capital One app to send a payment through XXXX, which I thought was part of Capital One, since it is prominently displayed in the app as one of two ways to transfer money. The icons are " Transfer Money '' and " Send Money with XXXX ''. 

My Capital One account has fraud protection, which I have used before and it has been fine. 

For this scam, the person posed as a real estate broker renting an apartment. I met him and saw the unfinished apartment, and signed a lease starting the following month. The lease states that if the apartment is not completed by the move in date that I am entitled to a refund. It was not completed by that date, but when I tried to get my refund back, the scammer disappeared. 

I later found out that he used this same scam on 13 other people, and similar scams with others in other states, by doing some research online. 

I called Capital One to report the fraud and only then did I find out that XXXX is not part of Capital One ( despite being prominently featured as the way to send money in their app ). They advised me to call XXXX. 

I called XXXX and they told me their service should only be used to send money to friends and family that I trust. This is *absolutely not* something that should be included in an app from a legitimate bank, when the bank itself offers fraud protection, and so do other legitimate payment services like XXXX. That caveat should be VERY PROMINENTLY shown, if the bank is going to use XXXX, as they must surely be aware of the risks. 

**You should need to consent that you are voiding your fraud protection by using XXXX from within the app. ** But there is no such disclosure. 

Instead, Capital One just puts XXXX in front of customers as if it is a legitimate payment method. By withdrawing fraud protection without prominent disclosure, or by featuring a payment method that doesn't have fraud protection within a bank account that does have this protection, they seem to be complicit. 

I sent {$1200.00} on XX/XX/2019 and another {$1200.00} on XX/XX/2019, totaling {$2400.00}. That was most of my savings at the time, because it was supposed to be my next month 's rent + security deposit. 

Now all I have is the email address where I sent the money. 

I'm including my " Lease agreement '' and can also send my " Lease Release form '' if needed, which was sent before the person vanished. I can also reach out to the others who were scammed on this and ask them to report it here too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
This letter I am writing is to request that your company stop reporting an account that says it belongs to me, this account was opened without my permission and without my authorization. I request your company to block it from its collection systems and stop reporting this account to credit agencies. That is hurting me a lot. 
The account is : BMW FINANCIAL SERVICES ACCOUNT NUMBER # XXXX The information contained in this account is reported negatively in my credit report, With this complain I want make it clear that this account is not related to any participation made by me. Such transactions are the result of identity theft. 
Block this information from your files and send the required notice to all credit bureaus to stop reporting this account that does not belong to me. In addition to the fact that you are reporting an account opened for fraud, as you should know that it is illegal and wrong for you to report an account that can not be verified and incorrect information reporting under my name and my social security number, I have every right to request and require that these fraudulent accounts be blocked immediately. Pursuant to Federal Laws that protect me as I am a victim of identity theft and I provide a police report and all documents required by law to support this fraud, sections 605B and 611 of the Fair Reporting Act, which state that Your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must immediately notify those who have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I learned a few months after this debt collection agency reported to XXXX   that I do have a record of debt collection on my report. There were 3 separate records by USCB for various amounts ranging from {$61.00} to {$260.00}. The original creditor is XXXX XXXX. 
I immediately disputed all of them since I didn't go to XXXX for the last 10 years. My insurance is XXXX XXXX through my employer. XXXX  resolve 2 of the 3 disputes and kept one of them, for {$260.00}, saying " The company that reported the information has certied to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. ". There are no details to review, I can't see how they " certified ''. I've never received a debt collection attempt in the mail, no phone calls. I have no way to contact USCB since they don't list an email or phone number on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On or about XX/XX/XXXX, while in the middle of the States lockdown order by Governor XXXX, I was notified on my front door with a foreclosure sale notice. Since then I have been having nightmares regarding the loss of my house where seven living family members reside with me at my home. Additionally, Im a mother of XXXX with XXXX of my daughters being a XXXX XXXX who is in the frontline of the war on Coronavirus. 

I sincerely believe that the banks irresponsible steps to serve the notice while we, as a nation, are going through COVID-19 crisis should be well disciplined. It is in fact a direct violation of Governors Executive Order to halt all foreclosure and eviction activities. Furthermore, Im in litigation with the lender in XXXX circuit court since XX/XX/XXXX ( XXXX XXXX ) and awaiting Appeals Court ruling on my case ; and with the court houses and government agencies being on a reduced staff, the bank is acting opportunistically to foreclose on my home when they in fact know that I can not file any sort of automatic stay with the courts while were in this Coronavirus pandemic. As a US citizen with Homeowners rights, I ask your office to investigate this matter and put a halt to the bullying and harassment actions by the bank ( clearly demonstrating that they are above the law ) and reverse course with their foreclosure action. I also appreciate you providing appropriate resources that I can use to formally file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal advertised that using their direct deposit service would be " quick and easy ''. The IRS said my money would be deposited on XX/XX/XXXX. Well it wasn't there. After endless hours trying to find any kind of help, assistance or information for the lack of funds. Finally I found in there's help page that we were going to have to wait 3-5 business days to see our funds in our account. Im still waiting. There's a ton of us still waiting. PayPal is obviously profiting off this, while some of us are starving and stressed over our situation and circumstances. Shame on you PayPal. Their effort toward " helping everyone '' is not charging the check cashing fee. Well last I heard, direct deposit isn't a check..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}, {$7400.00}, {$7700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I deposited XXXX btc with coinbase, and now my account is disabled. Ive reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why Im not able to access my BTC or even login to my account! I want an explanation and resolution NOW

Company response to consumer: Closed with explanation