vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
A collection showed on my credit report, otherwise I would never have known about this. My social security number has been stolen and so I have freezes on my credit to stop fraud. However, this collection from COLUMBIA DEBT RECOVERY LLC DBA GENESIS showed up stating I had owed money for living in a XXXX, FL apartment complex. 

I live in XXXX, OH and own a house with my wife. I've never owned property or lived outside of XXXX, OH. This is clearly fraud and I did not live there. The amount is for {$11000.00} for an apartment called The XXXX XXXX at XXXX placed for collection on XX/XX/XXXX. I have filed disputes with the credit bureaus, which is insane because XXXX has dropped it but XXXX and XXXX won't. Makes a whole lot of sense ... and have contacted both Genesis and XXXX XXXX XXXX. I have contacted XXXX  XXXX XXXX several times who won't actually review this info and WILL NOT RESPOND TO ME. 

I built a house in XXXX of XXXX with my wife where we reside and did not live or reside in the apartments at XXXX  XXXX XXXX ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I did not give my utility company legal right to share my personal information with anyone. This is a violation of my rights and illegal. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: Smith, Cohen & Rosenberg LLC
State: DE

Complaint narrative:
On XX/XX/2021, Smith , Cohen & Rosenberg , LLC, a Delaware corporation operating in numerous states, responded to CFPB Complaint XXXX INTERNALLY closing the fraudulent debt collection account they maintained. Their response to the CFPB indicates their detrimental reliance on the incorrect information their client gave them ( facts they did not verify, despite my dispute of the debt before reporting the debt as a Collection to credit reporting bureaus. But they had, as alleged in that Complaint, filed a false credit report the same day they sent me a first notice of the attempted collection ). 

On XX/XX/2021, I sent a Demand Letter directing the company to update the 'Collection, ' which is no longer disputed based on their response to the CFPB Complaint. Smith , Cohen & Rosenberg has independently caused my credit score to drop 80 points since filing a wrongful Collection with the credit reporting agencies. There are no other factors on my credit report that would cause the poor credit rating. They have a legal obligation to un-do this harm immediately, by directing the credit reporting agencies to remove the Collection now that they have closed the file internally as a wrongful attempt to collect a debt not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited a check from a law firm on XX/XX/XXXX for XXXX. When depositing the check the bank stated that the check would be made available the following day. I have received various over draft fees for the funds not being available on the XX/XX/XXXX as of the XX/XX/XXXX, the funds are not available and have been told it can take Up to 2 weeks for check to deposit. In less than a week you will receive an extended overdraft fee, even Though you have funds being deposited that day, first thing in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: PA

Complaint narrative:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
An account with XXXX XXXX was deleted from my credit report with Equifax and then reinserted without notifying me with the appropriate time frame. I received proper notification in the mail from Equifax on XX/XX/2021 that the account of XXXX XXXX was deleted. I noticed that the account was re-inserted on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything in the mail. According to FCRA, Equifax would have five days to notify me of re-insertion, however I did not receive any notification through mail, email, or phone that this account was being re-inserted. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: VA

Complaint narrative:
Hello there. It seems there are accounts on my credit profile that does not belong there. I am a victim of identity theft. I'm contacting you so you can assist me with removing these accounts. I followed all the steps mentioned online. I have the identity theft affidavit as well as the two accounts I'm referring to attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: NY

Complaint narrative:
I have disputed accounts that are not mine with Equifax several times. I sent an FTC Identity Theft Affidavit to them several months ago and they did not comply with the laws under the FCRA. Upon speaking with a rep on XX/XX/2021, he explained the account numbers on the Affidavit were incorrect and that was the reason the accounts were not removed from my file. He proceeded to give me the correct account numbers and instructed me to send in a new Affidavit with the correct information. I followed his instructions and sent in the required documentation on the same day via fax. As of XXXX, 2021. They still have not responded to the Affidavit nor acknowledged receipt. I am making this formal complaint to accomplish two things. 1. Put the sequence of events on record. 2. Establish a corroborating evidence that these documents and complaint were initiated by me in the event I have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Account Name : XXXX Account Number : XXXX Balance : {$100000.00} Dates of late : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Dates of late : XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$20000.00} Dates of late : XX/XX/XXXX, XX/XX/XXXX I do not recall being late in those months. I remember paying this off on time when I received my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted complaint number XXXX to the CFPB regarding the servicing of my mortgage loan by Shellpoint Mortgage Servicing and the handling of my escrow account. 

That complaint was a follow-up regarding ongoing issues that were addressed in CFPB complaint number XXXX, which remain unresolved. 

My mortgage is coming off of forbearance and will be due for the XX/XX/XXXX payment. Shellpoint has not provided any information on the deferral of all back payments. 

Additionally, the company has to date, refused to provide an up-to-date escrow analysis and a breakdown of what my mortgage payments will be with the escrow shortage spread out over a 5 year ( 60 month ) period. 

It appears that they are attempting to ensure that I am in default and therefore subject to foreclosure. In my last complaint I requested a complete transaction history from inception. Shellpoint 's response was that they do not have any history prior to XXXX. If this is true, Shellpoint has no basis for determining what has been paid or what is owed on my mortgage. 

As stated in my prior complaints : On XX/XX/XXXX, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/XXXX, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via FedEx. ( see attached letter dated XX/XX/XXXX ). To date Shellpoint has not resolved the issues. I will be resuming payments on XX/XX/XXXX and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ). 3. ) An accurate and up to date escrow analysis as of XX/XX/XXXX - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals. 5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
Payment was due XX/XX/XXXX, they call an average of 6-8 times per day and have sent a total of 9 emails stating they will damage my credit, lien on my property and remove solar panels. Their email state they have been trying to contact me for months when my payment isnt even 15 days past due. The amount of calls and emails through out the day is nonstop and again my bill isnt even 15 days past due. 
My payment was scheduled for XX/XX/XXXX and they still calling and sending emails.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I found out on XX/XX/2021 capital one charge on my report. This is fraud charge. I never opened any accounts with capital one. I called them and sent letter to them back on XX/XX/2021 to advised them it's a fraud. I still have not heard from them yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bliksum, LLC
State: MI

Complaint narrative:
This loan isnt reporting this any of the credit reporting agencies ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: GA

Complaint narrative:
I received a letter from USCB America on XX/XX/XXXX about a collection I owed to XXXX XXXX Georgia in the amount of {$130.00}. I immediately started having a XXXX XXXX since I am set up on auto pay with XXXX XXXX every month and this months was the final ACH being drafted of only {$22.00}. I frantically contacted the billing department on Monday XX/XX/XXXX to inquire about the balance and they reassured me it was only {$22.00} and that my account was never sent to collections. I believe this a scam company prying on people and they need to be stoped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
Lease with Hyundai Motor Finance initiated in XXXX for a XXXX XXXX XXXX XXXX. Lease buy out was executed in XXXX after following proper steps at end of lease term to obtain pay off balance and notify Hyundai. Consumer pursued a loan through XXXX 's XXXX XXXX XXXX in CT for purchase price of car. Consumer assumed title had been transferred to XXXX XXXX XXXX XXXX XXXX. 

During XXXX consumer was notified that the credit union never received the title. Consumer called Hyundai to determine why and learned of outstanding property taxes which were owed since the lease buyout. Because the title stayed in the name of Hyundai, property taxes were sent to Hyundai and paid by Hyundai although no correspondence sent to consumer or credit union. Consumer immediately paid outstanding property taxes over the phone expecting title to be released. 

A few months go by and still no title sent to credit union or consumer. Consumer called again only to learn a mileage odometer statement was needed and a bill of sale. This is now three years after the lease buyout and all of this paperwork was originally sent. Another year of taxes paid by Hyundai, consumer again reimburses Hyundai.

Bill of sale has now been sent four times to Hyundai, by fax, through Hyundai secure email service and twice by email to a customer service representative.

No correspondence from Hyundai and terrible customer service every time consumer calls. Collections department is where all calls are routed to for this matter and treated by customer service as if consumer is behind on bills. Consumer continues to ask for manager, none available and has asks multiple times to be transferred to the appropriate department for transferring titles and consumer is told the department doesn't take phone calls. 

Hyundai always verifies contact information when calling so the company knows how to reach consumer but chooses not to. Three years now been trying to have Hyundai release title! Absolute terrible customer service.

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 2021-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have filed several disputes with XXXX and Transunion about inaccurate information on my accounts and every time the results come back accurate or verified but I am never given any proof. This same inaccuracies were on my XXXX report which was removed. I dont know why XXXX and Transunion can not follow the law and provide proof that the accounts belong to me or show me the proof that the credit validated the information. I will attached the report number and date of my last results. Please remove negative items. This shows how credit bureaus try to systematically keep people of XXXX down. It is a law and they choose not to follow it.

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 2021-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Visa card serviced by comenity charged me twice in the month of XXXX for payments- once for {$810.00} and another time for {$970.00}. I only approved/made the payment for the amount of {$970.00}, the {$810.00} was taken without my permission. 

Since then, its been a mess. They claimed to send a refund check in the amount of the {$970.00} and applied the balance of {$810.00}. I have not gotten a refund check. As a result my personal checking account has overdrafted three times and I still have not gotten a refund check to date ( XX/XX/XXXX ) This month my XXXX statement balance for the card included the amount of {$970.00} in addition to the other things I purchased. After calling they claim I owe both amounts as the because I did technically not pay the XXXX statement of {$970.00}. But this amount was not owed to them, it is owed to me. They claim they have sent out another refund check and that I owe the {$970.00} plus whatever else was charged. Im still waiting on the {$970.00} refund check. 

Something is not adding up and I have reached a road block in communication with them regarding this after several message and a long call. 

Please assist of you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have made three attempts to close a safe deposit box with this bank. On my first attempt I was advised that all of the bankers were busy and I would have to make an appointment. I advised the person taking down my information I wanted to close a safe deposit box. When I arrived at the branch at the appointed time ( this was my second attempt ) I was advised that due to a recent merger he did not know how to close a safe deposit box and that he would have to spend around an hour on the phone with his support team to walk him through how to close the box. I submitted a complaint to the XXXX XXXX XXXX regarding the poor customer service I had received to this point. A third appointment was made for me on XX/XX/XXXX. When I arrived at the branch on this third attempt I was advised that since I did not have the second key there would be a {$15.00} fee they would have to collect. I offered to pay the fee in cash or with a debit card. I was advised she did not know how to assess the fee in their system. This safe deposit box annual rent is up in XXXX. Based on past media reports regarding some of the tactics that XXXX XXXX has engaged in, I am concerned that this bank may be engaging in dilatory tactics to try to collect another years rent on the safe deposit box.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: FREEDOM FINANCIAL NETWORK
State: GA

Complaint narrative:
I had a contact with XXXX law firm to consolidate all of my Credit Cards and personal loans to negotiate and settle each account. I deposited over {$11000.00} into a special account that XXXX would use to pay off accounts. XXXX has said they had no affiliation with XXXX. When I received the call from Consolidated-Plus Loans advising me that they would loan me funds to pay the accounts ; however, many accounts had already being settled and paid. There wasn't anything informing me about a 22 % interest rate, fees, or length of loan. The loan paid off is {$27000.00} for 5 years which is more than all the Credit Cards and personal loans combined. How the monthly payments equals the same amount i was depositing {$550.00} in the special acct for XXXX is uncomprehend nor understandable to me. Especially since there only three remaining accounts. Two XXXX XXXX and a chase. The XXXX XXXX accounts totaled {$10000.00} and the XXXX was {$900.00}. I tried to view the accounts I had and the dates of their pay off but all of that information has been deleted. These two companies are working together against honest people attempting to improve the credit worthiness and being taken advantage of. I can not have a 5 years burden on my back paying more the the original cost to pay off all of my accounts. I 'am a retired veteran of 24 years serving this country, 13 months in a foreign country to give companies like these two the right to use their power to pend American down financially under the impression of assisting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
On XX/XX/2021 I tried to log into my Robinhood investment account to trade {$100000.00}. of XXXX stock and buy XXXX stock. my account was frozen by Robinhood until I uploaded a picture of me and my official ID. This is a new requirement which Robinhood gave no advanced notice of the change. They have not replied to my latest attempts at rectifying this issue. ( Robinhood Case ID : XXXX ). My funds are in limbo and I have no recourse other than submit more private information to Robinhood which was not needed to open the account, transfer money into it and initiate the initial trades.

Company response to consumer: Closed with explanation