vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV KEEPS ATTEMPTING TO COLLECT A DEBT NOT OWED THIS DEBT BEGIN ALL THE WAY BACK IN XXXX AND LVNV IS STILL ATTEMPTING TO COLLECT THE DEBT BY WRITING ME AND PLACING THE DEBT ON MY CREDIT REPORT THAT STATUE OF LIMITATIONS IN MY STATE IS 3 YEARS, THIS DEBT COLLECTOR ALSO CLAIMS THAT MY DATE OF LAST ACTIVITY WAS XXXX XXXX DOLA IS BASED OFF WHEN THE ACCOUNT IS SOMEHOW CHANGED OR MOVED OR SOME ACTIVITY HAS TAKEN PLACE- BUT MOVEMENT HASN'T HAPPENED ON THIS ACCOUNT SINCE XXXX - FURTHERMORE WHY IS THE DATE OF LAST ACTIVITY ( DOLA ) DATED XXXX XXXX?? - DID LVNV PURCHASE THE ACCOUNT ON THIS DATE? 

-AND IF SO DID IT KNOW IT WAS PURCHASING A DEBT PAST STATUE OF LIMITATIONS? 

- WAS THE DEBT COLLECTOR NOT NOTIFIED BY THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) THAT THE DEBT WAS PAST STATUE OF LIMITATIONS??? 

- IF NOT DID THAT MEAN THE ORIGINAL CREDITOR SOLD THE DEBT COLLECTOR THIS INVALID DEBT ON PURPOSE??? 

-THIS ACCOUNT DOES NOT HAVE THE SAME DATE OF LAST ACTIVITY ACROSS ALL 3 BUREAUS THE DATES AREN'T EVEN IN THE SAME YEAR ***DATE OF LAST ACTIVITY ON XXXX  IS NOT ACCURATE HOW CAN THE DATE OF LAST ACTIVITY BE XX/XX/XXXX WHEN THE COLLECTION ACCOUNT WAS OPENED ON XX/XX/XXXX THIS IS NOT MAKING SENSE*** -DOES NOT NOT SHARE THE SAME DATES OF LATE ACTIVITY AS XXXX XXXX - WHICH ALSO HAS THE DATES OF LAST ACTIVITY IN 3 DIFFERENT DATES ( NON- COMPLAINT ) HOW IS THIS ACCOUNT ACCURATE COMPLAINT OR ETHICAL, THIS ACCOUNT OBVIOUSLY VIOLATES METRO 2 COMPLIANCE STANDARD WHICH IS A STANDARD HELD BY EVERY DATA FURNISHER AND A STANDARD THAT MUST BE COMPLIED WITH

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My debit card was stolen and used by an individual that I knew well multiple times. I reported this to Capital One when I first discovered it in XXXX of 2019. They took my information and over a month later denied my claim for the amount stolen, {$2900.00}. I asked them to send me the information from the investigation. They sent pictures of the person using my ATM Card, and pictures of me using the card on different days. They refused to let me appeal. a month or 2 later, the same individual got my credit and debit card account information and stole even more money from me. I asked capital one to not allow my accounts to be used at all, and they refused. My new credit cards were shared with various merchants, which allowed this individual to get the new information and keep stealing from me. They paid my claims the second time. I asked for the investigation information, and they refused to give it to me. Meanwhile this person was stalking me, broke into my house, and was continuing to try to use the cancelled cards, which caused repeated emails to be sent to me, and opening various accounts on the internet with my information. I could not get this to stop until I closed my checking, savings, and credit card accounts. This caused a huge problem because I had several accounts on autopay, and even when I paid those accounts on time with a new account ( which took 1-2 weeks to fully set up ), I was charged NSF fees simply because the account was closed. I asked capital one to cover these since otherwise I could not stop the fraud from continuing, and they said no. I called several more times to try to get the information about the person using my account, and capital one said they could not disclose it to me because it was private. After spending hours contacting various vendors, I was able to get the information and verified that the same person was responsible each time. This person has seen been exposed as a career con artist and defrauded many people as well as imitating wounded warriors charity and receiving several thousand dollars that way. He is now XXXX  on unrelated charges, but capital one has refused to give me any information to bring to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
Company is not following through with what they said they would do. They finally sent the paperwork for me to sign via XXXX in order to extend my payment due date ( due to Covid-19 and not having an income ). I signed the documents immediately and they were sent to the company. I received confirmation ( only through XXXX ) that they had been signed and my part was done. However, when I call and review my online information, it still shows my old due date. My account shows I am PAST DUE and does not reflect the new due date. When I call, they do not have any new information and still show the old due date XX/XX/20 ( not the XX/XX/20 ). I am told I have until XX/XX/20 ( since there is a grace period ). I would like to have my account reflect the correct information and would like something documented showing that the loan company is following through with what they said they would do. As mentioned, when I call, they do not have this updated info. I have never been late on a payment and feel that I should NOT have to spend every day following up on this. This situation is already extremely stressful and having this burden added on to my plate is ridiculous and uncalled for. PLEASE, update my information! Let my account reflect that my due date is XX/XX/20 and not that I am late! XXXX shows that they have not even looked at the document since they created it on XX/XX/20!

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 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUSTMENT KEEPS TRYING TO COLLECT ON DEBT THAT IS PAST MY STATES STATUE OF LIMITATIONS ALSO THE WAY THEY REPORT MY FILE IS INACCURATE THEY SHOW MY BALANCE ON THIS ACCOUNT IS {$820.00} THEN SHOW I AM PAST DUE {$820.00} THAT MAKES MY CREDIT TO DEBT RATION REPORT INACCURATE AND ALSO ON XXXX  THE ACCOUNTS DATE OF LAST ACTIVITY SAYS XX/XX/2015 HOW CAN THAT BE IF THEY PURCHASED THIS ACCOUNT IN XX/XX/2015 HOW CAN THEY REPORT A DATE OF LAST ACTIVITY THAT EXIST BEFORE THEY PURCAHSE THE ACCOUNT? / PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  show status as past due 120 plus days. This mortgage was in process of loan modification and never exceeded 60 past due.

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 2020-04-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, in an effort to help my son with some debt, I made the very poor choice of borrowing XXXX from Mitig Capital. Having lost my husband to XXXX  I was swimming in my own debt and thought this would be a viable solution. Make my payments. Be clear in a few months. But ( and this never would have happened if my husband were still living ) I did not read the contract and the loan terms as I should have. Shame on me. The issue comes when an ACH payment failed, an error that truly occurred on my banks end. I go on line. I try to make my payment. I am locked out. Try again. Still locked out. I send an email. Get a call from XXXX. Schedule an ACH payment for the following Friday to rectify the situation. The following Friday that payment does not clear, nor does the payment as scheduled. I am still locked out of my account. Interest accruing, I ask XXXX why this has happened. XXXX tells me due to processing problems they couldnt withdraw my payment. I offer to send a check. XXXX tells me this will make my payment late, given the mail slow down. I schedule a payment for XXXX to be drafted Monday, XX/XX/XXXX. Though the money has been drafted, I still do not have access to my account, either on line or on paper. What I currently owe remains a mystery, leaving me hog tied. In several weeks I will pay the remainder. I think it is important that your office is aware of this business, their practices and their attitude toward consumer lending. I am fortunate that I can be free of them soon. I suspect many of their customers are not so lucky.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened my account online, i deposited my XXXX  XXXX XXXX funds which were sent to me in cashier checks. My TD Bank accepted the checks via mobile app. With everything that is going on with the Corona virus. I am minimizing my outings. I thought everything was fine. Next couple of days I couldn't log into my account via mobile app. I called they stated my account was under investigation. This was a normal procedure due to the amounts of my cashier check. I was told I had to go into a branch and verify myself which i did on Saturday XX/XX/XXXX at XXXX. I was there till XXXX closing time waiting for customer service rep over the phone to talk to the representative at the branch to verify me. I showed my ID and was told my funds in my saving account would still be on hold till XX/XX/2020. Today is XX/XX/2020. I am now locked out of my checking account and told to come into another branch to verify myself. The location that i went to is closed and only doing drive through transactions. I have health issues, I am working from home and home schooling. It took me a whole day to talk to three representatives and nothing for me was done. Due to all that is going on with this Corona virus I am not able to go out risking my health to get access to my funds. My bills are past due because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've never had a Chase account this account doesn't belong too me I called too be told nothing can be done for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
LoanCare bought my mortgage loan in XX/XX/XXXX. 
They botched the transfer from original lender and are mismanaging my escrow account. 
XX/XX/XXXX, they neglected to pay my property taxes. I had to contact XXXX County, and LoanCare in order to make sure the tax payment was made, and that I wouldn't pay any interest and penalties. 
In XX/XX/XXXX, they contacted me with letters saying they did not have proof of insurance, and they would be opening a new policy on my behalf unless I provided proof of insurance.I had to contact my insurance company and HOA to get the needed proof. Again, this was information that *should* have been handled during the loan purchase by Loancare. 
In XX/XX/XXXX, they sent me an escrow statement saying that I would need to add an additional {$1100.00} to my account, despite the fact that neither property taxes nor insurance premiums have increased. 

I contacted LoanCare to delete my escrow account so I can manage myself, since I've already been doing that.

The first request was NEVER acknowledged, so I had to contact them again, and follow up constantly.

The result : denied my request because I haven't held the loan for 24 months.

My money is literally being held hostage, and they're asking for more, and if this keeps up, they will continue to do so for the next 18 months.

I have a perfect credit score, no late payments in 17 years of home-ownership, yet I can't get them to give me my own money back so I can ( continue to ) manage my escrow 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 2020-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Around XX/XX/2020 I made a purchase for XXXX on my credit card. I called the merchant on XX/XX/XXXX to ask if they could refund my money sense I didnt get to eat at there restaurant because they had to cancel because COVID-19. Plus the Mayor shut down the restaurant.She first said no. 
So I called my credit card company and explained the situation they said that they will w refund me XXXX and other fees associated with the purchase.So the credit card refund me. 
I asked if I could use the funds.The credit card company said I could use the funds. 
I had to close the old card and they sent me a new card. I received the new card and tried to make a purchase and it declined. 
I called the credit company again on XX/XX/20. 
I asked them why couldnt I use my card when I have the available credit on there. Plus I said I have the new card. The representative said that I cant because they are researching. 
I explained to them that I have a letter from the merchant who stated she was refunding my card around XX/XX/2020. 
All I want is to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/2020 I received a call from portfolio recovery from a very nice lady, and i explained that I was fighting for XXXX, and I explained I had a lawyer helping me ( with social security only ) and he informed me it could take up to two years to get approved. I also explained that I thought I had filled out hardship paperwork. I do not remember at this time if I asked for no phone calls, but i thought this would have take care of the phone calls for now. Until ... 

On XX/XX/2020 at XXXX I received a phone call from XXXX from a lady who represented herself to be a debt collector from portfolio recovery associates. I verified my personal information, and explained that Ive already spoken with someone, and told them i was in the middle of filing XXXX, and went through the whole story AGAIN and I havent been working since last year ( XXXX ) - I asked for NO phone calls to any phone number listed in ANY OF my accounts. She even tried to verify if my phone number was a good contact number. I said PLEASE DO NOT CALL ME. 

On XX/XX/2020 at XXXX, I received yet another call on my cell phone, from a woman who again identified herself as being from portfolio recovery. I identified myself and explained there should have been a no phone calls note on my account, ( I did verify my information ) she said she would put one on there. I exclaimed that she has now broken a law, and she went on with her statements, I again stated that she had broken the law, and she told me she would put a do not call on my account. I said that shes already broken the law, and hung up. 

I am XXXX, and after explaining that my XXXX wont likely be approved for up to 2 years, Im not sure what may have changed between XX/XX/XXXX, and XX/XX/XXXX and then again between XX/XX/XXXX, and XX/XX/XXXX. Then, to ignore or disobey the do not call I had requested is not acceptable. 

I am very upset by this. If something is not corrected, I dont mind taking matters a step further. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I went into a furniture store to purchase a dinning room table set and took the 90 days same as cash option to pay for the item however on the day I was to pay it off I forgot to make that last payment and then the big interest started and with every payment they charge me tax which I paid tax when I purchased the item. My complaint how are they able to get away with the amount of interest they charge and why do they add tax to every payment??? The name of the company I am referring to ACIMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had my Bluebird account was closed and the remaining VA pension funds are not being returned.

No one at Bluebird or American Express can help and I am afraid that they are going to keep any money that is scheduled to be deposited there including my Social Security check and the Federal Stimulus check. 



XXXX XXXX XXXX XXXX COPIES OF EMAILS InCommLossPrevention XXXX XX/XX/2020, XXXX XXXX ( 4 days ago ) to me to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I know tht some or all of you will delete this email, but I'm trying everything I can to get my money back. I'm a XXXX XXXX XXXX and a XXXX veteran who needs her money! 

XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX  ( 4 days ago ) to me I will have someone in my office look into this and get back to you XXXX XXXX XXXX XXXX XXXX ', m sorry tobother you, but no one is addressing what happens to my Social Security check from next week and to the money that Bluebird still has. I can not let this issue just be put away without an explanation of what I did and where my remaining money is. 
XXXX XXXX XXXX XXXX Good afternoon Ms. XXXX, We have reviewed your account and apologize for this inconvenience, however ; per the direction of the Social Security Office and the Inspector General Investigations team your account has been permanently suspended. Please contact the Social Security office for questions and concerns. 

Thank you, InComm Loss Prevention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I paid my mortgage payment to BB & T bank using my XXXX XXXX account. For some reason, my payment was rejected due to an error in the ACH number. I was never contacted by BB & T that my payment had failed. 

In XXXX, I went to inquire about my credit score to try to look into a better rate for my mortgage and was appalled that my score was significantly lower than it had been previously. I found out that BB & T had reported that rejected payment as unpaid. I contacted BB & T and have a voicemail recording stating that the payment was eventually received, that the payment was backdated, and all late fees and penalties had been removed. That being said, BB & T is refusing to remove the error from my credit report, which is causing me to be unable to seek improved mortgage interest rates. As a XXXX American Veteran, I feel that this is an abuse of power and an act of discrimination in an attempt to keep my existing mortgage from being moved to another company for better rates. 

Let me also add that when I initially contacted BB & T, I was given an address to send a letter to regarding the situation and the reply that I received back from them was that they were not going to remove the bad credit statement. I don't know where else to turn regarding this situation, please offer any insight. Thank you so much. 

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