vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 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: Credit Service Company, INC
State: TX

Complaint narrative:
On XX/XX/21 Credit Service company Inc reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/21 to XXXX several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX on XX/XX/21 reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt. I have not Ever conducted business with this company whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX XXXX account keep reappearing and unfairly resetting date for removal despite removal on several occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Results Unlimited, Inc.
State: GA

Complaint narrative:
Moved out in XXXX. Received bill in XXXX. Made numerous attempts to contact via email and phone regrading discrepancy Im receiving bill. Filed XXXX  complaint. Spoke with XXXX XXXX at corporate who was supposed to look into having removed and contact me back. She never did. Collection agency is now harassing me and threatening legal action for debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a transact XXXX netspend prepaid debit card at XXXX. I loaded {$250.00} on card and paid the {$4.00} fee. I was unable to activate card. After speaking with a representative they said I would not be able to activate and would send me a check for {$250.00}. They refused to reimburse me the cost of card, even though I purchased it 10 minutes prior. I received the check but it is fir {$240.00}. They charged me to send a check after all this. It's only {$11.00} I'm out, but why should they keep funds when they declined to let me use card. Thank you any help.

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 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Someone tried to open a ebay credit in my name. I've called the institution and they said it would be removed and it is still hitting as a hard inquiry on my report over a year now. Also there is another one regarding Amazon credit. SYNC/XXXX  and SYNC/AMAZON

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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NJ

Complaint narrative:
My Bank is Through Skylight Financial or XXXX XXXX. On XX/XX/21 I tried to pay my car insurance payment in the amount of {$410.00}. I paid this to XXXX, they never received my money so I tried to cancel it and I was charged again for my payment that didnt go through so I am now out {$830.00}. My insurance still isnt paid and will be cancelled on the XXXX. I havent paid any other bills due to half of my paycheck going missing. XXXX has been nothing but helpful to me, they have sent Skylight or XXXX everything they have asked for is regards to release my money and every time it still isnt good enough, they have ridiculous security measures that cant be met.

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 2021-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI BANK Citibank XXXX, XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX. 
ON XX/XX/XXXX TH 2021 I APPLIED FOR A CONSUMER CREDIT TRANSACTION WITH CITI BANK BEST BUY. I THEN RECEIVED A NOTIFICATION THAT I HAD BEEN ALLEGEDLY DENIED MY BIRTH RIGHT OF RECEIVING CONSUMER CREDIT BASED ON ILLEGALLY FURNISHED INFORMATION ON MY CONSUMER CREDIT REPORT. CITI BANK USED MY CREDIT CARD TO RECEIVE CREDIT BUT DID NOT EXTEND THE CREDIT TO ME.THEY FURNISHED MISLEADING DOCUMENTS SUCH AS A ADVERSE ACTION LETTER.ADVERSE ACTION HAS NOTHING TO DO WITH THE DENIAL OF CREDIT BECAUSE ACCORDING TO THRUTH AND LENDING I AM THE ORIGINAL CREDITOR..I AM THE THE ORIGINAL CARD ISSUER THEREFORE WHEN I EXCHANGE MY CREDIT CARD I SHALL RECEIVE SOMETHING OF EQUITY IN RETURN.I DID NOT RECEIVE ANYTHING.I HAVE BEEN ROBBED AND HUMILIATED. 
CONSUMER REPORTING AGENCIES HAVE NO RIGHT TO FURNISH INFORMATION WITHOUT WRITTEN CONSENT BUT THEY STILL WENT AGAINST FEDERAL LAW. 
ITS MY RIGHT AS A CONSUMER NOT BE JUDGE BY A SCORE, I AM A NATURAL PERSON WITH A OPEN END CREDIT PLAN .HOW IS IT POSSIBLE THAT THEY ARE ALLOWED TO COMIT THESE FRAUDULENT ACT WITHOUT BEING HELD ACCOUNTABLE. I WANT JUSTICE .I DON'T DESERVE TO BE TREATED LIKE THIS! 
PLEASE DON'T NEGLECT THIS MATTER I HAVE SUFFERED SERIOUS INJURY DUE TO THIS SITUATION I NEED YOUR HELP CFPB A FINANCIAL INSTITUTION CAN NOT DENY ORIGINAL CREDITORS TO ACCESS TO CREDIT. 
SINCERLEY, XXXX XXXX XXXX AM WHO I AM AND NO ONE OTHER )

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 2021-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Even auto fill generates the wrong information making related fix necessary W O W.This is so ludicrous what can one say. TransUnion can not find my credit file even after having name address and Cfpb complaint! Their response report number XXXX qualifying their ineptness- opinion by years of complaints YEARS. With NO RESOLUTION OR ACTION BY THEM. Boxes of similar letters all three agencies. Opinion All A facadem

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 2021-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received a notice from a debt collector dated XX/XX/2021 from Midland Credit Management attempting to collect a alleged debt. I sent a notarized letter dated XX/XX/2021 disputing the debt pursuant to 15 USC 1692g ( b ) which states the debt collector shall cease collection of the debt while it is being disputed until the debt collector obtains verification. On the XX/XX/2021, Midland Credit Management violated my consumer rights by reporting the account in dispute, to the 3 major credit reporting agencies XXXX XXXX and XXXX Also this account was previously deleted already through a dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-10 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I have a forthwith judgement with XXXX XXXX XXXXXXXX to pay the defaulted auto loan and have been paying to the law office on behalf of credit acceptance. 
credit acceptance is not reporting the payment 's I am making every month and has not adjusted the balance owed as of today I filled out the dispute form from credit acceptance and they said its reporting accurately this was in XX/XX/2021 I have disputed with the bureau and they said it was verified and accurate I have a letter from XX/XX/XXXX from the lawyer office with a payment breakdown and balance that is inaccurate from what's on my credit reports.

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 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I need to know where my income tax went

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and trans union is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice

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 2021-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian regarding inaccurate reporting on my credit profile for the account Flagship and method of verification, they did respond and said this account was verified. I sent them another letter on XX/XX/XXXX to verify these inaccurate reporting for the date of last activity and also date opened. I have received no response. I made a phone call to a representative on XX/XX/XXXX with a representative and she stated that he has been updated and remains as of XX/XX/XXXX. Experian has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information as well as illegally re aging. We know that RE-aging credit accounts causes older negative accounts to look more recent which can not only allow the company to collect on the debt longer than they are supposed to but it is also is a serious violation of the FCRA and damaging to my credit. The last payment is reporting XX/XX/XXXX but Experian has updated the balance of XX/XX/XXXX and reporting XXXX late payments on a CHARGED OFF account which dings my credit profile every month. NO payments have been made! There is NO payment arrangement in place! I have also attached to proof to this claim. This is illegal and unfair credit practices. This has caused me enough stress I will have to bring Litigation if this not resolved.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been monitoring my credit and scores. All the while trying to improve and get my score up for a home purchase. My loan officer pulled all of them and XXXX XXXX is showing a XXXX while Im seeing all XXXX scores. I want and should not have to pay for my true scores. They are mine! And I should not be getting false information about my scores! They should be a irate across the board. These are my credit scores!!!!! And if I obtain my 3 reports they better be what a mortgage lender sees, as this to me is a huge fraud case that I am looking into taking to legal counsel as well and a court, I am not playing any more as I have been trying to buy a new home and was not pre approved even though my scores show me a medium of XXXX. And to find out transition was a XXXX from what my lender has told me. This is unfair practice

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 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Dont know this merchant never had account with XXXX XXXX been with XXXX over 13 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX  and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
I had worked with AmeriSave to refinance my primary residence last year and had a very good experience. I decided to use them again to refinance my condominium. I applied for that refinance on XX/XX/XXXX and paid a {$500.00} application fee ( see attached receipt ). 

After several months, AmeriSave believed that the HOA did not have sufficient flood coverage for them to underwrite. The HOA believed that there was sufficient coverage ( and had several owners refinance their properties during the same time without issue ). The loan process ended in early XXXX following the impasse. 

The loan processor offered to refund the application fee and requested such on XX/XX/XXXX. After several follow-ups to both the loan processor and his manager, I still have not received the {$500.00} refund ( see other emails attached ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: TX

Complaint narrative:
Mountain Run Solutions at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, has been sending me collection notices through text and written notices in the amount of {$1500.00}. The collection has been reported as past due balance. I DO NOT know this company nor have I ever done any business with this company. The company does not have a contract with my signature and has failed to respond to any written notifications to validate their claim. According to the FCRA, Mountain Run Solutions had violated my rights as a consumer and I am requesting legal action to remove this from my report immediately.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have had a Cash App account since XXXX. It is rare that I have to dispute transactions with it but it seems like since the pandemic, lots of merchants are being downright ruthless, shady, and FRAUDULENT.

Historically, disputes were a pretty seamless process. There's an option in the app to dispute transactions, of course Cash App recommends trying to resolve these disputes with the merchant directly. I have always done that BEFORE contacting Cash App Support. 

Recently, I had 3 transactions I needed to dispute for varying reasons. Cash App support has been non-responsive and as such, I am handling these disputes with the CFPB. 

2 transactions are from XXXX XXXX XXXX XXXX. I have their mobile app. Several times now I have ordered in the mobile app ( where it charges as soon as you place the order ), and then when I GOT to the restaurant, it was CLOSED. But I had already been charged and the funds have not been refunded. I have had this same issue with XXXX XXXX XXXX XXXX before, but never have I ever been accused by the store manager of lying and making it all up. That's what happened with I tried to handle it directly with the store where the purchase was made. That process was described to Cash App support in vivid detail. 

They have simply stopped responding to my messages about those refunds. 

The other transaction was for a software purchase I made online. It was made on XX/XX/XXXX at XXXX. I was trying to order a software program called XXXX XXXX XXXX XXXX XXXX ). It was a program that claimed to make the process of mounting XXXX XXXX to a XXXX drive easily. I needed to do this to wipe off an old computer and reinstall the operation system so I could sell it. The purchase was supposed to be for a product key that was supposed to UNLOCK the program from the trial mode to the full version. 

The key I was given DID NOT WORK. I emailed their support and they did NOT respond. So I disputed the transaction with Cash App and this time, they did not respond at all. So for clarity, with the XXXXXXXX XXXX XXXX XXXX purchases, they DID respond, but have since stopped responding and my refunds have not been issued. For the XXXX XXXX XXXX purchase, their support has literally not responded AT ALL despite me initiating the dispute process in-app at least 5 times.

Company response to consumer: Closed with explanation