vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I received a notice from Synerprise Consulting Services that I owed a past due amount of {$620.00}. 

On XX/XX/2020, I sent a letter via certified USPS mail formally disputing the above claim, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Such validation should include my signature proving my contractual obligation to pay Synerprise Consulting Services. 

The company did not provide the requested information. 

On XX/XX/2020, I sent a letter via certified USPS mail requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Synerprise Consulting Services the alleged amount of {$620.00}. 

In addition, I requested the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' the alleged account and amount owed. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, I am aware that a printout of a bill or itemized document does not constitute verification. However, this is what I received as " proof '' of debt validation from Synerprise Consulting Services on XX/XX/2020. The listed item is inaccurate and incomplete, and represents a very serious error in its reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
A Collection note was included on my Credit Report on behalf of XXXX ( XXXX XXXX XXXX ) for {$540.00}, corresponding to an account open in Illinois State, under my name and Social Number, I dispute this using XXXX and didn't solve it, I walk to a XXXX XXXX XXXX Corporate Location and they found all the information about the Identity Theft and gave to me tools to complaint to XXXX XXXX XXXX Fraud Department, in where I already file a Identity Theft Complaint. 

I never live in the State of Illinois, I have been living in U.S for 5 years and always in XXXX XXXX, Florida area. 

I never share my personal Information ( SSN, Bank, Passwords, etc ) with nobody else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/20 I requested my bank ( XXXX XXXX XXXX XXXX  ) to wire transfer {$10000.00} to my XXXX XXXX account and the wire transfer was completed the same day at XXXX. The money was and still never received in my XXXX XXXX. The corespondent bank is Wells Fargo Bank which is who XXXX XXXX uses to receive wire transfers. I have exhaust all means of resolutions with my bank, Wells Fargo Bank and XXXX XXXX to no avail. Attached is the copy of the wire transfer conformation showing that Wells Fargo received the {$10000.00} wire transfer for 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 2020-09-13 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: OH

Complaint narrative:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the 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 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the 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 2020-09-13 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: OH

Complaint narrative:
This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA is charging me 16.54 % on a used vehicle loan. 

The national average loan interest rate is 5.27 %. 

My credit score is almost 700 as of XX/XX/XXXX. 

USAA has refused to refinance the loan. 
I contacted them approximately XX/XX/XXXX via telephone and requested a refinance and/interest rate reduction and was denied. 

I have had financial difficulty due to COVID19. 

This means my payment is {$790.00}. broken down to : Interest : {$460.00} Principal : {$320.00} The loan began : XX/XX/XXXX Pay off schedule date : XX/XX/XXXX PAYMENTS : XX/XX/XXXX LATE CHARGE ASSESSED {$39.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$320.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$300.00} {$34000.00} XX/XX/XXXX INTEREST {$480.00} {$34000.00} XX/XX/XXXX NUMBER OF DAYS = XXXX XX/XX/XXXX PRINCIPAL {$330.00} {$34000.00} XX/XX/XXXX INTEREST {$460.00} {$34000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$490.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$290.00} {$35000.00} XX/XX/XXXX INTEREST {$500.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$190.00} {$35000.00} XX/XX/XXXX INTEREST {$600.00} {$35000.00} XX/XX/XXXX PRINCIPAL {$35000.00} {$35000.00} So this is a 7 year auto loan in what would be 4 to 5 years if the interest rate was not inflated. 

I am paying more in interest than I am on my payment to pay the loan off. 

This is preditory lending. I am being taken advantage of by the financial institution. 

I am a XXXX person. 

Maybe similar scam as the XXXX housing market which caused a crash in the industry? Also I don't know who my money is going to in their network or why or how they are redesignating it. I really don't care either as they are financially abusing me to I guess give to another area? 

I don't know what scam the government is running. USAA Federal is refusing to refinance my loan and SERIOUSLY TAKING ADVANTAGE OF MY FINANCES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Recently, a payment was made on the account to cover the total balance of the account for the Credit Card issued by Capital One. Capital One refused to make the credit available, citing that they would need to wait up to 9 days in order to verify that the payment cleared through my bank account. After two days, I verified the payment was taken from my bank account. Capital One still will not make the credit available, but they decided to post interest right away on the account. 

I've also reached out to XXXX XXXX who has not responded to my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2020, I had a missed call at XXXX XXXX from First Franklin Financial. I returned the phone call at XXXXXXXX XXXX  and I spoke the XXXX ( i think that's the correct spelling of her name ) and she started discussing with me about my insurance papers that I needed to return to them. I had explained to her, I just had XXXX on XX/XX/2020 and due to my XXXX  when i arrived home the first week and my lights being off due to Hurricane Laura, I haven't had the time to do what I needed to do, ( I haven't fully recovered ) .Well, the customer rep had started to get really rude and was talking while i was talking trying to resolve this issue the best way I can. I am still under XXXX XXXX  at this moment and i take XXXX  for my pain which causes me to sleep most of the time and due to doctor instructions, I am not allowed XXXX XXXX when I am on this medicine. Back to my situation, I was told by the customer rep, XXXX, that I had until Friday ( XXXX ), to turn those papers in or I will be contacted by their attorney. Every since this converstaion, I had been stressed due to the circumstances of my health and how this customer service rep. had handle this siutation with me.The address to this store is XXXX XXXX XXXX, XXXX XXXX, La. 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 2020-09-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been having problems with Equifax reporting correct information on my credit report and everyth9ng on the report is incorrect as the dates of reporting n. no new information reported for 5 months since XXXX. This is not correct as it is on on my XXXX  and XXXX  and hindering from getting loans and other such financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX bank card XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt.

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this especially due to the current pandemic I have few options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi : For the first time, I am receiving a demand for insurance coverages for an HOA master policy in connection with my condominium, and the mortgage. US Bank says they want master policy to name them specifically, and this isn't a reasonable request given every owner maay, or may not have a mortgage and with various institutions or entities. It goes further to demand they be faxed. Not all people have a fx machine, or copier, but no email provided to forward any docs. 

I personally feel it is not a reasonable request to expect a master policy specifically name US Bank, and any other bank or entity. This is in addition to the personal insurance coverages already on file. 

Please help, US Bank attitude hasn't been good, and I tried 3 times to address this, resolve this, and move forward, but I feel the bank/s feel they are in a GOD like position, yet they are humans on the Earth, nothing more, and would like reasonable requests where I might succeed without a hardship.

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 2020-09-13 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: CARS Acquisition, LLC
State: MS

Complaint narrative:
i notice a negative item on my account from CAR FINANCIAL SERVICES and sent them a letter on XXXX asking for information dealing with this account, in which i attached a copy below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: IL

Complaint narrative:
Due to the pandemic that has taken place, I have closely been monitoring my credit reports. My credit reports have ( 5 ) five different amounts from Account Resolution whom they have stated I owe Account Resolution. Of these five debts, two are the same amount. ( {$200.00}, {$88.00}, {$120.00}, {$120.00}, and {$160.00} ). After speaking with a representative from Account Resolution asking repeatedly to send me documentation of these accounts, services date, signed and verifiable signature of a contract that they say I have with Account Resolution, absolutely nothing has been sent to me. I have repeatedly sent letters to the Account Resolution asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Account Resolution and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Account Resolution can furnish to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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: MT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.

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 2020-09-13 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i seen on my credit report that EXPERIAN have inaccurate and incomplete information reporting on my account, so i sent them a letter on XXXX requesting details of their method of verification, also i attached a copy below of the letter that i sent.

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 2020-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.

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 2020-09-13 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: MT

Complaint narrative:
These are not my accounts, nor did I authorize these companies to run my credit. I am in the military and have always gone to my own credit union with XXXX to get my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 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 — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Three months into my car insurance plan they contact me and say they charged me the wrong price and tried to charge me with back payments to the current plan. Basically saying it's mt fault they the made an error after I done paid 3months of the policy already to charge me more I only had the the policy 4months three of those months I paid the 4th month when they informed me of wrong pricing the policy was canceled cuz I went to another insurance company policy was canceled so I don't owe these people for a mistake they made 3months into the policy I didn't call to make any changes so how could the price change 3 months into the policy and expect me to pay the back payment of that were already paid that they decided to charge me more for after 3 months

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX  card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV  the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. 

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX  XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options. 

I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX   XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
We made a purchase at XXXX XXXX using their Comenity Bank credit card, interest free for 12 months. We were told that if we make all the payments according to their billing, the purchase will be payed off in it's entirety, incurring no fees or interest. We did exactly that. With no notices or warning, they conveniently made their last payment due 2 weeks after the 12 month contract would expire. We have already overpaid our purchase to them by {$50.00}, plus another {$16.00} in interest they sneaked in our payments. They now want an additional {$590.00}. in interest and fees. We have spoken to their customer service representatives on XX/XX/2020, and even to the Floor Supervisor XXXX, his operator ID being XXXX, and were told that they couldn't do anything at this time, that's the way it goes. We are hard working honest people, and would've given them the extra {$180.00} if we were instructed to do so per our billing contract. He also told me that they have a warning statement that the loan is coming due, but this is in their website that you have to log onto, click around, and hopefully locate. Nothing was sent saying anything of this sort to my " Paperless Billing Email ''. All that my email said was that the amount due was {$200.00}, this not including the {$180.00} that would've paid this account in full, actually overpaid by {$66.00}. This is my Dilemma. XXXX  ( XXXX XXXX ) has exhausted their abilities to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to the National Credit Adjusters Company asking them to validate by signature that a specific invalid debt account was mine. It is now XX/XX/XXXX and I never even received a response from them. This debt account does not belong to me and I am looking to get it removed from my credit report.

Company response to consumer: Closed with explanation