vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to request a removal of the following information that appears on my XXXX  and XXXX  credit files. When I contacted your company last year in XX/XX/2019 I verified with your company that charge for XXXX XXXX in the amount of {$260.00}, I was not responsible for because I have canceled the insurance for the car and the car has been sold. Your company had verified this information and agreed to cease collection. Since that conversation I haven't received anything else from your organization. 
However, I have recently checked my credit and it shows a first delinquency date of XX/XX/2019 the car that was insured with XXXX was sold before that date, so this information is inaccurate. Also, the date assigned is not accurate because it is totally different from the date of first delinquency. According to FCRA guidelines inaccurate information listed on a persons credit report must be accurate. This information your company is placing on my credit report is not accurately and must be removed as soon as possible

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: VA

Complaint narrative:
I have not been working due to a medical condition and high risk to XXXX XXXX. I have paid ERC for the XXXX account, XXXX, and XXXX but its still reporting on my credit report and its hurting my credit negatively. Since the accounts have been paid please delete all accounts from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase would you please send me a hard copy from your compliance office as To how your office is to legally note a consumers credit file when a dispute has been investigated by your office. Also please send me a copy of the FDCPA Requirements If the remarks were not noted by your office. Your office have acted very reckless as far as reporting to XXXX and XXXX and XXXX  The information is missing and this is a violation. And this account is no longer allow to report on my credit file due to your Negligence and noncompliance please remove this account for FDCPA immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC won't connect to XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I have been requesting for the " pay off letter '' and every time I call in for it, there is an automatic system where it states " the letter will be mailed out with 7-10 business days and without the letter I will not be allowed to pay off the loan. '' I have also tried 4 times requesting it off the online portal and it will not allow me to do so. 
In XXXX I have called the customer service and every time I ask to speak with someone about the pay off they have transferred me over and the call drops and this has happened on the daily for over the two weeks. 

I have logged in and tried to make the off amount but it will not allow me it is asking for a different amount then my statement and will not allow me to make more or less then. 

I have not made a payment since XXXX due to this issue with the company and I have been charged penlenty

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 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent a letter to verify the debt, as I had insurance and paid the provider so I needed to see why I was in collections. The company responded by sending me not just the amount and date but an itemized statement including medications which is a COMPLETE violation of HIPPA. To know that this company was reporting me for a debt I thought was paid was upsetting and then to find out that they have access to so much personal medical information should not be legal

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Had a account with Capital One It was cancelled In XXXX, at that time I was In the hospital with serious medical problems and was not available to make payments due to this company, when I did get out of the hospital and called them to speak about my late payments at that time, they said they understood and would work with me, I also asked about them waving the late fee and see about removing the credit reports or updating them due to medical reasonings, they did nothing to work with me at all so I decided to close the account and no longer have this card, It Is now XXXX, and I am requesting that this be removed from my credit report, please advice, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
As of XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Texas and XXXX XXXX both indicated that all three credit bureaus were notified that the {$500.00} debt that they had attributed to me was in error. While XXXX XXXX had no problem removing the error, and XXXX  had never attributed it to me, Equifax has continuously refused to remove it. I sent Equifax a letter on XX/XX/2020 asking them to remove the error and enclosed copies of the letters from both XXXX and the XXXX XXXX XXXX XXXX Texas which clearly indicated that the debt is not mine. On XX/XX/2020 they sent me a letter stating that they had researched the debt and that it was being reported correctly as a Paid Charge Off with a XXXX  balance. This is simply not the case but they have refused to delete the debt as the correspondence from XXXX and the XXXX XXXX XXXX of Texas indicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
My dispute results came back from transunion dated on XXXX XXXX. I received a letter from innovative recovery dated on XXXX XXXX stating that a balanced owed from XX/XX/2014 and i had 30 days to disputed this debt. So following the letter i received. i sent a response with a validation letter, requesting all information about this debt before the 30 day window is up. In response from innovative recovery i received a packet dated on XXXX XXXX. Clearly the packet only included a lease and some invalid paper thats inaccurate with the wrong amount that is not shown on my credit report and the incomplete name of the alleged original creditor.. Nothing was validated in response to the things i asked for in the validation letter i sent to innovative recovery.. And they are violating my consumers rights. Because they continue reporting to the credit agencies, and never validated a debt. Which im the consumer is entitled to ask for validation and they fail to comply with the request. XXXX  also recieved copies of the validation letter stating that the debt be removed off of my credit report, because innovative recovery fail to validate my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I made a purchase for an international transfer with Worldremit.com Transaction # XXXX for the amount {$5000.00}. I never recieved my funds. XX/XX/2020 is when I sent the International transfer abroad. Still have not seen my money until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I used XXXX app which utilizes XXXX to connect to my PNC bank account to send me money when my funds are running low, but apparently theres an issue between XXXX and PNC currently and i need the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I paid my Capital One credit card in full on XX/XX/2020. Capital One is still reporting to all the credit bureaus ( XXXX, XXXX  and XXXX  ) as a  delinquent account. This information is falsified and discriminatory. 

I've sent letters to Capital One about this issue, called them and I have filed a dispute, yet no changes. 

Why am I as a consumer/customer being defamed and made to look like I'm still delinquent. Is this because I can face long lasting disparities as a consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX XXXX. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.

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 2020-07-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I initially had a student loan with XXXX XXXX XXXX ( had set up automatic payment and deferment on the account. ). Eventually, XXXX XXXX XXXX sold the account to XXXX XXXX services. ( I was not notified of the action ) as I was overseas. A credit reporting of 180 days late was reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During A Check of My Experian Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. Experian Report Number : XXXX, XXXX  Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX  XXXX  XXXX  AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

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 2020-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
Hello, It has been 70 days since I emailed FEDLOAN AND PHEAA about their violation of Section 34 CFR 685.221 ( b ) ( 4 ), and they have not denied violating the regulation, so I am filing this complaint with CFPB in order to receive a reply from them, correction of my loan balance, and to promote awareness of unlawful capitalization so other borrowers are not victimized. 

On XX/XX/XXXX I emailed FedLoan Servicing and PHEAA about the unlawful capitalization of interest on my loans in XXXX. In XXXX I ACCIDENTALLY missed the re-certification window for my income-driven repayment plan with FedLoan Servicing. Section 34 CFR 685.221 ( b ) ( 4 ) doesn't require interest to be capitalized when a re-certification window is ACCIDENTALLY missed. In fact ( b ) 4 ) says interest is capitalized per ( b ) ( 3 ) only when the borrower " CHOOSES '' to leave IBR plan or the partial financial hardship is over. I met neither of these conditions. Accidentally missing a deadline is not a CHOICE and the financial hardship I had still continues. 

In accordance with Section 34 CFR 685.221 ( b ) ( 4 ), I am requesting that the unlawful interest capitalization in XXXX be reversed immediately and my principal and interest balance corrected as if the interest had never been capitalized. If this is not corrected I will sue in federal court to force compliance with 34 CFR 685.221 ( b ) ( 4 ) and also consider a class action for other borrowers who have had their interest unlawfully capitalized. Furthermore, I will seek reimbursement for attorney fees and case costs. I will also write to several papers to promote awareness of the story and FedLoan 's unlawful actions. The unlawful capitalization also forced me to enroll in the REPAYE program in XX/XX/XXXX, which caused interest to capitalize again. I would not have done that had XXXX 's capitalization never happened. 

I am also requesting FedLoan to return my {$60000.00} paid in XX/XX/XXXX. I would not have paid that money if the interest had never been unlawfully capitalized. I need that money to live now. My income has suffered due to the pandemic. I have had to borrow {$11000.00} from family just to stay afloat. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I'm writing because I noticed a collection account listed under IC Systems Collections that lists on my XXXX  and XXXX  Credit Reports. I have never a letter of dispute notice from this company and or phone call. I have recently disputed this account with the credit bureaus and it has no message underneath the collection with the account being under dispute. This is in violation of the FCRA and this account needs to be removed from my accounts as soon as possible.

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 2020-07-19 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: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
During A Check of My XXXX Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, XXXX  Credit Report, And XXXX Credit Reports Dated XXXX Show That I have A Debt with SEQUIUM ASSET SOLUTIONS AKA Sequastsol AKAFOCUS RECEIVABLES MANAGEMENT. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 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: FL

Complaint narrative:
During A Check of My XXXX  Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, Equifax Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX XXXX XXXX AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filling a complaint against XXXX XXXX XXXX, because their careless mistake has caused my credit score to suffer greatly. I contacted them countless times to have them fix their mistake but to no avail. I even hired XXXX XXXX to plead on my behalf, still no response from them. I opened an account with them in XX/XX/XXXX and made a purchase. I contacted them soon after one ( 1 ) month to inquire about my bill and was told I had six ( 6 ) months to make a payment and there was no payment due at this time. Upon checking my credit report the following month I noticed that they reported my account late on all three ( 3 ) credit reports. I then contacted them and was informed by XXXX on XX/XX/XXXX that they made a mistake in my mailing address therefore I never got my first bill. Hence, my account was reported as being late for non-payment. That same day I paid {$550.00} which paid off the account. XXXX told me that since it was a mistake on their part that they will rectify it with all three ( 3 ) credit bureau. Payment was posted on XX/XX/XXXX. I follow-up again on XXXX and spoke with XXXX and was told that they are still working on it. Then again on XX/XX/XXXX XXXX told me that it could take up to sixty ( 60 ) from my original complaint on XX/XX/XXXX for the correction on reflect on all three ( 3 ) credit reports. As off XX/XX/XXXX, I have not been able to have them remove the late notice from my three ( 3 ) credit reports and it has been affecting my credit score which took a huge hit as result of their careless mistake. I have their bill statement which mentioned that they made a mistake and their late fee was waived from my account ( see attached document ). 
Please feel free to contact me if further information is needed. 
Thank you for your anticipated cooperation in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
For the second time, this company has appeared on my credit report out of thin air. This time on XXXX with the same amount of {$1200.00} from XXXX XXXX XXXX XXXX as the original creditor. In these critical financial times with COVID 19, I don't have time or the inclination to be playing games with credit. I have yet to receive anything from this company detailing these alleged charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
The car was surrendered on time on XX/XX/2020. At the time, we were not offered a chance to be there for the inspection by XXXX, citing coronavirus concerns. That is the subject of a different complaint. 

This is a complaint about the taxes. A tax bill was issued in XX/XX/2020 and covers the tax period from XX/XX/2020 to XX/XX/2020. We have not used or been in possession of the car since XX/XX/2020. We properly had the tags canceled in XX/XX/2020. Our tax obligations on the car until XX/XX/2020 have been paid. 

Now NMAC is trying to make us responsible for taxes for a period when we have nothing to do with the car. This latest tax bill needs to be removed. 

We still dispute the remainder of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
Hi, Subject : MoneyGram Fraud I have transferred amount {$130.00} to my cousins account who is XXXX using MoneyGram App on date XXXX XX/XX/2020, the money is not credited to his account. MoneyGram given confirmation it will be credit to his account in four days, but its now almost one month the money is not credited to his account. I have called MoneyGram and done the multiple followup and they always tell me there is technical issue, i asked them to cancel the transaction and credit back to my account and it is not been done yet. 

MoneyGram Transaction reference # XXXX MoneyGram Complaint # XXXX

Company response to consumer: Closed with explanation