vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I sent letters to XXXX, XXXX and XXXX on XX/XX/XXXX  regarding fraudulent collection items on my credit report Medical Data System IncXXXX XXXX XXXX XXXX  XXXX have violated my FCRA & HIPAA rights. This is a violation of my rights due to providing medical data & information. I've disputed these items with the XXXX reporting, and FTC. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these fraudulent collections are preventing me from doing so. These the items i would like to be removed : Medical Data System Inc Amount {$1200.00} Date Opened : {$1200.00} Medical Data System Inc Amount {$2800.00} Date Opened : {$2800.00} These are violations of my FCRA right and against law : 15 USC 1692c ( a ) - without the prior consent of the consumer given directly to the debt collection, a debt collector may not communicate with a consumer in connection with the collection or any debt 15 USC 1681a ( 2 ) ( b ) - I demand this account to be excluded from my consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) - I demand this account to be removed ; the sharing of medical information and payment transactions for medical products or services is a violation 15 USC 1681b ( 4 ) - I demand my medical information to not be disclosed 15 USC 1681c-2- I demand account to be blocked from my report due to identity theft.

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 2021-10-25 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: Revco Management, LLC
State: OH

Complaint narrative:
Revco Solutions put a collections account on my credit report. I never received anything from this company and do not have an account with them. So I mail them a debit validation letter on XX/XX/XXXX  ceritified mail wanted something with my signature on paperwork, dates of procedures and anything they had. Received a response today from Revco Solution with items from my medical records on a procedure from home health care provider XXXX XXXX/speciality and medication that I received and they injected into me in my home. It was on a XXXX  letter head not Revco Solutions also had my health care insurance number on it. I don't have an account with Revco Solutions and I Never signed anything for a release of my medical records or procedures from either of these two companies which violates my civil rights under HIPPA. No where does it say that I owe Revco Solutions any Money or even have an account with them. I would like to have Revco Solution remove the collections from my credit report, I not I will sue them for violating my HIPPA rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX. On XX/XX/, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I purchased {$50.00} worth of XXXX coin in XXXX of 2021. On XX/XX/XXXX my coin was withdrawn from my account. I reached out to Crypto.com that night when I realized that my coin was gone. For the next XXXX weeks I tried to get information regarding the missing coin. The only way to speak to someone is through live chat and this can be a daunting task with slow turn around times. Their customer service had me change my email and passcode after I reported the issue. 

Nevertheless, I finally was able to find someone who looked into my issue on XX/XX/XXXX. She said that they had there " people '' look into it, after they were done with their investigation they said there was nothing strange about the transaction. They claim it was gross negligence on my part. I never authorized a withdraw, I was never informed via email that a withdraw was taking place. None of my personal information was EVER shared with anyone, not my passcode or email. The rep told me that a confirmation was sent to my email, when I asked what email they sent it to, she could not tell me. I told her which email I started my account with, but she could not help me. I did check my emails and I never received any correspondence regarding a withdraw. The amount of money that was taken was actually less than my initial deposit. 

Later in the conversation a supervisor stated that she just received feedback and gave me the email I started up my account. This was after I had already shared that information with the first customer service rep. Nothing about this process was professional or legitimate

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 2021-10-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE INQUIRY LISTED BELOW IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I transferred money using online westering Union website to a family of mine who reside in XXXX on XX/XX/2021. First, I didn't look at the exchange rate and just sent the money through wester union. The western union exchange rate was XXXX XXXX per XXXX USD. However, after I sent it, I went to look the exchange rate right after and the exchange rate was XXXX to XXXX XXXX Birr. I called to asking why and they told me the exchange rate can changed in a minute. How in this world the exchange rate can be lower by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap has failed to provide periodic billing statements in which an electronic fund transfer have occurred. I receive automated billing notices around the XXXX of each month that payment is due on the XXXX of the following month ; however, Goodleap continues to ignore its requirements in 12 CFR 1005.9 ( b ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MI

Complaint narrative:
I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/XXXX  to experian in regards to inaccurate accounts with XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX i have no business with these companies. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Experian is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.

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 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: UT

Complaint narrative:
I got a text message from this company called State Collection Services. Honestly their text looks like a scam. I really am not sure. It doesn't say anything about this is an attempt to collect a debt. I tried to call them multiple times to find out if it was legitimate. When I finally got through they wanted my full name, date of birth and address. That sounds super scammer. That sounds like every other scammer that calls. I said if I have a debt with you can you pull it by my name. The lady was super rude. Didn't say this is an attempt to collect a debt. 
I still have no idea if this is legit or not. Why would I give my information to anyone with 10 scam calls a day and I don't have any idea if this is real.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Business and Consumer Solutions.
State: AR

Complaint narrative:
I have an account with XXXX XXXX XXXX. They have reported to credit bureaus that I do not pay my balance and give incorrect statements. They have done this the last two months. I was able to dispute it and have it resolved in about a week with XXXX XXXX. This month the added a derogatory remark to my credit report which made it drop a significant 85 points. I called them the next day. They said they would fix it the following day. It has not been repaired. I am now being declined access to finance which is not my fault. I would like to take legal action against them if it is not repaired soon. They have ruined my credit. I have never made a minimum payments. I pay my balance in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
On XX/XX/2019, XXXX XXXX XXXX  XXXX  put debt on my credit, I never received a letter to clear it up, I have never seen what the charges are for, I tried to contact CAPSTONE CREDIT & COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX. I was employed with XXXX  XXXX  and nobody will get back to me. The property manager is awful, I should have pressed charges against her when she threw a file at me and then XXXX  me. 


I have tried over and over to contact and make a deal with them and nobody will work with me, I am a single mother and do not have much money to spare at all, I really need help with these 2 companies XXXX XXXX, XXXX  XXXX  XXXX  XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have four commercial loans with a bank XXXX XXXX, Ca ( apartment buildings ). I am behind on all four loans due to tenants not paying on time due to covid. I am requesting my bank to lower my interest rate, reverse all late fees since XXXX, not to report late payments to the Credit Bureaus, and put all late payments on the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, PAYPAL/SYNCHRONY BANK received and signed for my notice to CEASE AND DESSIT all telephone communication pursuant to 15 USC 1692c . ( c ) ( see attached ), however as of XXXX XXXX at XXXX, I am still receiving harassing phone calls. This company is violation of my federally protected consumer rights pursuant to 15USC 1692 ( c ) ( a ) 1.

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 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank/Care Credit charged off my credit card account. They report it to the three credit bureaus as a charged off account under the name Synchrony Bank. Yet Synchrony Bank outsourced the collection of the debt to XXXX XXXX XXXX. I paid the account to XXXX XXXX XXXX in full on XX/XX/XXXX  with a payment of {$210000.00}. However, on XX/XX/XXXX  Synchrony Bank still shows the debt as outstanding, and is still reporting a balance of {$2100.00} to the three credit bureaus. This is an egregious delay that is causing me to incur significant damages.

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 2021-10-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
On XX/XX/21 I spoke was a rep at the number of XXXX who took a payment from me in the amount of XXXX ( the payment has since then come out my account and also I was give a reference number via text XXXX. I received a call today from a XXXX from XXXX calling about the payment. When I tried to advise her that I made the payment and the payment already came out my acct. She basically called me a liar. I tried to give her the reference number & she again continue to talk over me. I ask her for the head number gave me a number of XXXX. I called that number and the rep said that she can open up a ticket. I called back and spoke with a XXXX who stated that she can file a complaint. No one was willing to listen to me nor find my payment. I have my bank statement were the money came out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I desperately need someone's help with getting the foreclosure auction on my mom 's home stopped!! I've been working for months to try and get the mortgage lender to approve a short sale. I have submitted every document required for the process, my mother 's death certificate, short sale application, an offer, probate documents, everything! And they refuse to review it. I do not want there to be a foreclosure on the public record, it is against what my mother would have wanted. I have tried to get someone to work with me to review the information that I have submitted and no one wants to assist me. The house is not worth nearly what Champion mortgage believes to be the value, and it is certainly not worth enough to pay off the loan in full. The home is dilapidated and the company is taking a huge risk going to auction because they will not get nearly what they are looking for. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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:
In XX/XX/XXXX I contacted a collection company XXXX XXXX. They realized an error and submitted for this collection account to be removed. Every month I call and it is not removed from Equifax, All of the other agencies removed it. When I contact Equifax they provide a scripted statement of will be removed in 30 days. It is now mid XXXX and I called again today and was given the same answer again. I call the Collection agency again today whom in turn provided me with the control number for deletion that was sent in XXXX to Equifax - XXXX # XXXX and told me they could do nothing else to help. 

Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 
Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$530.00} Amount {$0.00} Status Date XX/XX/XXXX Status PAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX When I called equifax again and provided the control number they told me that they would put the control number as a consumer statement and do another dispute and I will need to wait another 30 days. I have been attempting to get a home loan and each time they ask me about my collection account.. I have been denied a loan over and over because of this. 


Please help me. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: NY

Complaint narrative:
in early 2021, I received an email from Binance.com tell me they were no longer supporting UNITED STATES based customers. I had XXXX staked ethereum on Binance, staked ethereum being called XXXX. 

I asked the Binance.com customer support team to provide safe and detailed instructions on how to move my XXXX off the platform Binance.com they did not provide anything to help. 

I was forced to move my assets to an unsecured platform where my assets were stolen. 

I am seeking reimbursement of XXXX ethereum

Company response to consumer: Closed with explanation