vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Today XX/XX/2021 someone committed fraud and withdrew {$660.00} out of my account from the Bank of America branch atm. My card is in my wallet, I never let anyone use my card, my pin has never been shared and only memorized by myself. I filed a claim with the bank and after speaking to 3 representatives, I was given 3 different processing times and no definite answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I see false or misleading representations on my credit report. There are several accounts that I see listed on my credit report inaccurate and inconsistent. I written the bureaus several times but have not heard back anything from them regarding my dispute letters I sent months ago. I can't dispute online so I came here, my only resort. The following accounts need to reported correctly XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio Recovery is reporting an account on my credit report for {$580.00} in collection. 
I send a dispute to the credit bureau on XXXX of 2020 to investigate this account. The credit bureau replied that the collection agency verified the account to them. I sent the collection agency a letter on XX/XX/2020. I requested a fraud packet to fill it out and send it back to them as well as copies of the signed documents they have for this debt. As of today they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with ARS ACCOUNT RESOLUTION or any of its Affiliates nor have I ever engaged in any business with ARS ACCOUNT RESOLUTION in the past and this trespass against me is a result of identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. 
I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. 
I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ). I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with HUNTER WARFIELD or any of its Affiliates nor have I ever engaged in any business with HUNTER WARFIELD in the past and this trespass against me is a result of identity theft. I affirm that this alleged account/debt and/or account stated/implied is false, a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation and settlement. I specifically demand within 15 days of receipt of this affidavit, unmodified, original verifiable valid proof of claim on all claims of alleged accounts stated and/or implied by sworn affidavit under penalty of perjury to the location aforementioned above. I intend on seeking remedy for damages, equitable relief and just compensation for any and all violations of my consumer rights and any other rights not mentioned.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
called wellsfargo XX/XX/XXXX about hardship result of XXXX XXXX shut down not able to meet normal monthly payments .. given cares mortgage suspension confirmation by representatives told no penalties late fees derogatory credit rating and suspension could be 3 months at time up to 1 year. additionally me accepting this suspension i would not be eligible got loan modification but call when ready to resume payment.. called as was told and was given suspensions of mortgage for several months 3 months at time.. called XX/XX/XXXX given XX/XX/XXXX-XX/XX/XXXXi told rep i expect to be able to start paying mortgage again in XXXX said i would be confirming in XX/XX/XXXX. called in XXXX inform rep n was told i was suppose to only get 1/3month suspension that owner of mortgage said no to the other months they had confirm and if i start to pay in XX/XX/XXXX it would go to my past due not be put to end as i was given, suspended payments were now due. got letter XX/XX/XXXX wellsfargo admit they did error giving me incorrect info but was standing by still my past due that was suspended was now all due. i was told during suspension that accepting suspensions i would not be eligible for loan modification if i wanted it should i not be able to start paying again. i told wellsfargo im ready as i had been informed by them to let them know, paid XX/XX/XXXX/XX/XX/XXXXXXXX mortgage but they arent accepting as current. wellsfargo deceived me as a customer lied to me about suspension of payments n putting it to the end with no paperwork needed or harm to my credit. im been so harassed by newly generated never seen documents theyre back dating as if they sent to me with information they never did deception in practice. I want wellsfargo to stand by what they in a letter to me admit and put the suspended payments to the end of loan as i was told over n over until i called to resume payments.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I had an account with XXXX which was paid thru XXXX XXXX XXXX and i finished paying my account when it was closed but i noticed a couple years later there was a collection on my credit report from XXXX XXXX XXXX. I paid it but it is still showing unpaid on my account. This is an overpayment. I have tried to get it removed with the credit bureaus with no success. Please help me to get this removed as it is effecting my credit score for the home loan I'm attempting to get. Any help would be greatly appreciated.

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 2021-02-10 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: NY

Complaint narrative:
I AM VICTIME OF IDENTITY THEFT, SOMEONE STOLE MY PERSONAL INFORMATION RESULTING IN DEBT THAT DOES NOT BELONG TO ME REPORTED TO MY CREDIT REPORT, I AM VERY UPSET THAT HAPPENED TO ME IM A VERY CAREFUL WITH MY PERSONAL INFORMATION THIS PERSON WENT TO GREAT EXTENT TO GET TO MY INFORMATION, I WANT TO GET THAT RESOLVED. I DO THIS REPORT ASKING FOR HELP TO FIX IT.

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 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: FL

Complaint narrative:
On XXXX XXXX, 2020, I wrote a check for {$28.00} to XXXX in XXXX XXXX, FL. The check never cleared the bank, and I could not figure out why. My bank had no record of it. Two months later, my check was declined at a store. I requested my file from XXXX, which showed the outstanding XXXX check. I contacted XXXX XXXX XXXX 's parent company, XXXX XXXX XXXX XXXX, XXXX XXXX again ) and Audit Systems. No one seemed to know what was going on with the check and why it did not clear. I called my bank and heard the same story. No record of it. This went on for some time with no answers. Finally, XXXX XXXX saiid Audit Systems had this check. I called to find out what I could do to resolve this. Audit Systems said my bank had rejected this check because of the check image. They wanted me to pay the amount of the check, along with a {$25.00}. I refused to pay the fee because I said I was not at fault for a bad check image. I also told Audit Systems that my name and contact information were on the check, so why wasn't I contacted if there was a problem. I received no straight answer. We argued back and forth over this fee that I was not about to pay. I contacted XXXX XXXX again and was told that Audit Systems wanted to collect the fee because if they didn't, they would not collect their commission. I said I was not paying a fee. XXXX XXXX finally had the check moved to another agency, who did not charge me a fee. I paid the {$28.00}, and that was it. Audit Systems was unprofessional, rude and condescending. I do not want anyone else to be taken advantage of by these creeps. I'm sure others pay their fees without questioning. I was not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
We are in a pandemic and because my contract is expired they are wanting me to pay {$5000.00} as my last Payment or they are going to report me to the credit bureaus as late instead of me making my regular Payment of {$1100.00}. I was told because my contract is up regardless of covid and me being able to afford the additional {$4000.00} for this pay period they are going to report me late anyway. Covid doesnt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XXXX Amount : XXXX Account No. XXXX XXXX I file a complain against them because, this debt is not mine and it should be taken off by law if its not yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I refinanced my va loan. After I refinanced the home in XXXX I set up auto pay with Mr. Cooper, two of the numbers were transposed and the Payment never went through. I was traveling back and forth for two months due to one of my children having XXXX  XXXX and didnt get a late notice until I returned home in XXXX at which time I corrected the issue and caught up all missed payments. I called Mr. Cooper immediately to try to fix the problem and now my credit which has been above 800 for 20 years is ruined. I tried to resolve the issue with Mr coopers research department only to wait 45 days for then to tell me theres nothing they can do. I had a perfect payment history previously. If there is anything you can do to help I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Company, Speedy Loan sent me an email with a form, requiring a signed affidavit from notary public or police officer. This is unfair, they said if not received by XX/XX/XXXX, they would be continue collection activity on my account. This is wrong, account is not mine. Sent gmail on XX/XX/XXXX. It all started when I tried to get a loan about XX/XX/XXXX. They have all my Bank information. Not fair or right. Also, I emailed them on XX/XX/XXXX the, asking them not to proceed with collections activity. I would contact you cfpb, with a complaint. It seems they threatened me, for something I had absolutely nothing to do with. Please help me with this. 
XXXX XXXX PS- We are in a world wide Pandemic. I hardly go out, but do business on my phone. Too dangerous for me. I am a XXXX XXXX Get, trying to survive. Extremely unfair what they are doing. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a home loan with Mr. Cooper. I've been with them since 2013 and have never missed a payment. Two weeks ago I couldn't login to the online banking system as it gave me an error saying I was in bankruptcy and had to call them. I called them for days trying to get this resolved. I spoke to approximately 8 reps over two days before one of them saw the error. But even then, they couldn't fix it. Apparently there's another person with the same name in North Carolina going through a bankruptcy. But Mr. Cooper decided that that person was me, in XXXX XXXX California. They told me they'd fix this, but it hasn't been fixed yet. This also caused my upcoming payment to be over {$400.00} more because apparently that bankruptcy that wasn't mine, caused an escrow analysis. I can only imagine they reported this to the credit agencies as well and who knows what else. But my loan has been disrupted and they made changes without even checking with me. They have not contacted me once. I'm the one who has been calling almost daily now to find out what this extra {$400.00} is about. This is not the first time they made a mistake with my account. A few years back, Mr. Cooper did not make my insurance payment. So for a few months my home wasn't insured. Luckily the insurance company contacted me and let me know. XXXX knows how bad it could have been if I had needed my insurance during this time. 

Anyway, this is just bad business across the board. They've caused me lots of stress, and most of this is out of my control. They shouldn't be able to do this to people.

Company response to consumer: Closed with explanation