vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
On XXXXI received correspondence in the mail from H & R Accounts , Inc that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that H & R Accounts , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: ND

Complaint narrative:
Equifax is in violating of the law. Equifax is committing identity theft, they do not have my consent to report the accounts and addresses below. 

Equifax is in violation : 15 U.S. Code 1602 - ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

15 U.S. Code 1643. ( E ) the unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise. 

I am demanding a deletion of the unauthorized accounts and addresses listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: SC

Complaint narrative:
I, XXXX XXXX, never gave EXPERIANXXXX XXXX any written consent to report anything on my consumer report. I have already tried to solve this issue with EXPERIAN/XXXX XXXX by sending them correspondence on XX/XX/2021 and here it is XX/XX/2021 still no response. I did not request this block in error and if I, XXXX XXXX have received goods or services please have a senior executive send me a letter notarized under the penalty of perjury stating that I have received goods or services as a result of these alleged transactions in which I was not present for. Again, I did not consent, authorized 15 USC 1681b ( 2 ) nor benefit 15 USC 1602 ( p ) from these alleged transactions being reported.

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 non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
My loan with XXXX, XXXX XXXX, VA and includes PMI but as I have paid more than the amount required to drop the charge and the mortgage statement says the charge will be dropped automatically it has not. I have called XXXX XXXX to discuss but can never get a person to answer. At the prompt have left a voice mail to have someone call me back, no one does. Last call was made to them XX/XX/XXXX. I have also written to them, letter dated XX/XX/XXXX and no response.

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 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Every year or so my mortgage company tells me I have an escrow shortage and they raise my bill even though I have paid for every month and haven't changed anything to increase it. This is the second time I am going to the CFPB for the same reason. The first time it was fixed but now the mortgage company is doing it again.

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 2021-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Request to validate debt was sent to the company ( Knight Adjustment Bureau ) on XX/XX/21. The company has failed to respond and continues to report debt as accurate to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I requested that Equifax delete all 22 inquiries on my credit report to be removed. I wrote a dispute letter sent certified mail and it was received on XX/XX/21. It has been over 30 days and they have not been removed. this is my second CFPB complaint I also called them on XX/XX/21 and spoke to fraud department and requested that they removed them. they stated they requested for all 22 inquiries be removed. they said it will take 3 to 4 business days to be removed and it still has not been removed. I informed them that filed complaint with FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Please send me proof of method of verification and sent me the contract that I originally signed. The only letter I received is saying that I owe. I have not received any communication regarding the validity of debt.

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: WA

Complaint narrative:
Capital Accounts is trying to collect {$89.00}. This amount was paid thru XXXX XXXX on XX/XX/20. I called and verified with XXXXXXXX XXXX and they stated that they only use XXXX XXXX they do not use any other collections. I called XXXX and they verified payment received on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM INC is claiming that I owe them {$500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
According to ARS COLLECTION SERVICES, there is a debt under account # XXXX for ( {$1000.00} ) and account # XXXX for ( {$740.00} ) .These accounts were previously disputed 3 times with all 3 credit bureaus. The accounts were never validated and yet they still remain on my credit report. I never had any services rendered from ARS for them to collect a debt from me. ARS COLLECTION SERVICES failed to validate the debt by providing me with a breakdown of charges, diagnosis, and/or procedure for services rendered. In addition, the original creditor, XXXX XXXX XXXX released my medical records to this third-party collection agency without my knowledge or a signed release authorization. My HIPAA rights have been violated and I demand you close and remove this from my credit report immediately or I will take legal actions on this matter.

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 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
Aldous reported this collection account that is not mine it is fraudulant it states original Creditor is XXXX XXXX XXXX XXXX for {$700.00} no address or telephone or account number to contact is listed in my credit report to contact company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
Hello, I had nearly {$2000.00} stolen from me from something called Current aka XXXX XXXXXXXX XXXX. Problems first arised around XXXX of XXXX where it was small funds stolen and XXXX larger amounts of money was taken. I contacted XXXX XXXX XXXX aka current numerous of times to close the account to which they refused and just sent a new card. I had already opened a new bank and transferred all funds over {$500.00} at a time since I could not transfer more. Unfortunately, I received my stimulus check to my bank account with XXXX XXXX on XX/XX/XXXX. I have all screenshots, all bank statements and the location for where my money was used. But I received a call from XXXX  saying someone in XXXX had used my card at a XXXX spending nearly {$500.00}. Once again I told them I want them to close my account but I was at work in Wisconsin so I could not stay on the line. They said they would issue a new card and stop the transaction and make sure I still had my funds. Not even 5 minutes later I saw someone hack my account taking the money out of savings and sending it to my Checkings. I tried to stop this even contacted the customer service chat and he just said let it happen and theyll dispute it. I was frantic and at work crying because I watch someone make TWO TRANSACTIONS While begging them to take action and stop it. I have screenshots of this as well. The other transaction was at XXXX in XXXX in the amount of {$510.00}. The second was a transfer from my account to someone name XXXX in the amount of {$840.00}. I contacted XXXX attacking her for stealing my money but she had the exact same issue. Someone was in her account stealing her money and she experienced everything that I was. We had a third party hacker in our account and tried to dispute it but current said they will not give our money back. Every penny counts for me because I missed quite a bit of work while I was in a car accident in XXXX and had to attend XXXX and XXXX to get better. I need something done please. I have begged current to do something and they said their decision is final. Its impossible for me to make any transaction in other states because I live in Wisconsin. There were numerous devices logged into my account and no one has ever had my password. There was also a phone number I did not recognize. It took me 4 x contacting someone for someone to log out all unauthorized devices but even then it was too late. I had {$0.00} in my account and current aka XXXX XXXX refused to return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal closed. Y disputed claim and stated they sent me an email on XX/XX/XXXX to escalate the complaint within 20 days. The e mail was not received in my inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: FC HoldCo LLC
State: PA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

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 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency 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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My Paypal account has been permanently limited/blocked and was sent an email that I can no longer use Paypal and would be able to get my funds released after 180 days. They haven't specified as to what was the reason my account would be blocked. 

As they have requested, I provided proofs or kind of explanation that the payment I received was from a sale of digital goods and services on my Paypal account, thus, no tangible items were involved, no physical items to be shipped, etc. However, I was able to explain what the source of payment was for, which was for the virtual transactions of goods and service I provide for online gaming like, level-up tasks and online gaming items I sell, which are all virtual items, no physical items that needs to be shipped. 

I would like to ask for your help to restore my account and access my funds through Paypal. 

My Paypal account email : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Please investigate XXXX XXXX and XXXX XXXX XXXX on my credit profile, I'm only getting automated updates. I will like a thorough investigation on XXXX XXXX and the colletion agency XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
I recently ( 5 1/2 weeks ago ) refinanced my home and my mortgage was paid off with this bank. I am trying to complete my taxes and access my 1098 via my online account per the email I was sent in XXXX of this year. The institution has since closed my online account, blocking my access to vital tax documents and all prior statements of my account as I had elected for paperless documents. 

This is not my first issue with this bank which is one  of the reasons I refinanced, to make sure I would no longer have to deal with this institution.

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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: HOVG, LLC
State: PA

Complaint narrative:
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation

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 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
I wish to file a formal complaint regarding the company BAM Trading Services Inc. hereby treferred to as BINANCE.US where I hold a trading account with assets worth in excess of {$1500.00}. 

I am disputing a {$250.00} transaction that occurred on XX/XX/2021. 

Through their online trading and direct deposit service, I requested to credit my BINANCE.US trading account with {$250.00} via ACH from my bank. BINANCE.US website service presented me with an error that the transaction failed. 

I attempted the same transaction and it succeeded. However when I looked at my bank statement, I saw that BINANCE.US had withdrawn {$250.00} on XX/XX/XXXX as well as {$250.00} on XX/XX/XXXX. Yet BINANCE.US never credited my account for the second transaction. 

There is no direct contact information or option to call or email directly so I opened a support ticket using the BINANCE.US website to dispute the {$250.00} transaction that had never been credited to my account. This support ticket has never been responded to and remains open to this date. 

After several messages sent to my support ticket did not receive responses. I informed my bank to enact a chargeback for the {$250.00} amount. My bank investigated the matter and sent me a notice saying my dispute was valid. They have since credited my bank with the {$250.00} amount. 

On XX/XX/2021, BINANCE.US sent an automatic email to me stating that a chargeback had occurred, they matched it to the XX/XX/XXXX transaction that succeeded and said nothing about the second XX/XX/XXXX transaction that was never credited to my account. The email instructed that I needed to deposit {$250.00} to restore my account to good standing. I am unable to make such a deposit since my XXXX ACH deposit ability is now frozen. They have threatened to liquidate my account holdings valued at over {$1500.00} if the deposit is not made within 7 days. Most worrying is that BINANCE.US have locked my trading account so that I can not withdraw or trade my {$1500.00} worth of assets that they are holding hostage. 

I have opened another support ticket with BINANCE.US to try and establish communications with the company but have received no response. 

I have proof in the form of PDFs and screenshots that show BINANCE.US withdraw the {$250.00} amount twice but only credit me once in their account. I also can provide a copy of the letter I received from the bank that determined my dispute is valid. 

I am requesting that you send a letter to BINANCE.US informing them that they must restore access to my trading account and allow me to withdraw my assets which far exceed the value of the dispute. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase has suspended trading XXXX  and in turn prevented access to me from selling off the digital asset and withdraw my money. Coinbase refuses to allow me to convert the digital asset back to USD.

Company response to consumer: Closed with explanation