vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I've attempted to reach out to this company due to them receiving a check from me in attempts to remove an item from my credit report. The checks notations were as labeled, " Negotiation of tender settles debt ". They've responded back stating that they don't approve the check because of " restrictive notations " and they've returned the check to me. I have two screenshots showing that they've actually lied about accepted the money order and never send me the money order back. I've highlighted the response they've given me in my previous complaint and at this point would like the entity deleted off my credit report and I assume there should be no issues when provided documentation. The screenshots are showing on XXXX XXXX that the money was accepted because the balance was {$1.00} lower and provided backup of using the XXXX app and highlighting the discrepancy between the two bureaus of the {$1.00} that was reported. Please remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
fifth third bank refuses to remove my email address from a customer account. 
I do not know this customer and I amreceiving personal information and banking information. this is obviously a security risk. 

I've contacted them 5 times over the week ( a response to each customer email sent to me directed to security/fraud dept ) and I've called them 4 times today speaking with various departments. 

no one is taking it seriously, no one can do anything. The customer used my email address and I have no way to contact them. 

It started XX/XX/XXXX and today XX/XX/XXXX I have called numerous times to 53 bank. 

I have informed them I am lodging this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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:
I have discovered that some accounts and inquiries do not belong to me. I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and inquiries have never incurred debt with these creditors. I do not know where they came from. I do not have access to the documents related to these accounts, but the creditors would. Also, I saw most of these inquires have the same date. I did not authorize these inquiries.

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 2021-02-22 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: IL

Complaint narrative:
This is in regards to a debt with Midland Credit Management. It stated XXXX XXXX was the original creditor. I sent Midland Credit Management a request for validation of the debt sometime last year via Usps regular mail. I havent received anything. I understand the pandemic has made processing of things a little slow, but its been almost a year. Im disputing this collection item. I have business with XXXX XXXX but not XXXX XXXX. Im requesting validation of this debt asap. Such as a credit agreement signed by me and documentation of the chain of custody of all paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am refinancing My mortgage and have requested from TIAA the XXXX, XXXX, XXXX, And XXXX statements but to no avail they will not send the documents to me. 

My mortgage broker needs these statements to complete the new loan. Time is of the essence due to the interest rate lock is about to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity bank-financed my dental financial account. I recently learned that they took {$200.00} off my credit limit and took away the nearly {$600.00} of available credit that I had. My account is current their excuse was that it was due to my other credit accounts being past due. But I have recently made payments on these accounts but they haven't been updated yet. My bank closed my checking account on XX/XX/2020. This is why I was behind in making these payments. I am being punished by Comenity by losing my credit limit and even though my account is current with them they are still punishing me by taking {$200.00} from my credit & taking away the nearly {$600.00} of available credit I had leaving me with only {$5.00} There is always some mental strain being put on me through no fault of my own. And I get punished for it. This virus pandemic has caused a lot of financial problems. But to punish someone by taking away their credit because of a virus pandemic & raising their payment all through my account is current with them is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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
State: GA

Complaint narrative:
My wife received settlement from XXXX XXXX company in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXXXXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face wit PayPal stealing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, Navient reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: SC

Complaint narrative:
A letter was received from Midland Credit Management, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX which stated that XXXX XXXX owed {$280.00}. It states the debt was from XXXXXXXX XXXX XXXXXXXX XXXX When called ( XX/XX/XXXX ), MCM asked for personal information from XXXX XXXX ( I have been XXXX XXXX since XX/XX/XXXX ). I declined to give it. However, they appeared to actually have my SSN. Perhaps it's from a hacked account of some kind. 
Their phone number is XXXX. I have never had an account with XXXX XXXX or XXXX. 
The person taking the call at MCM identified himself as XXXX XXXX. His accent sounded possibly as being from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with XXXX with XXXX XXXX or a XXXX credit card which I never applied for. I called XXXX letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called Transunion to get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XXXX XXXX XXXXXXXX and XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but Transunion and XXXX XXXX was not. 

Please have the hard inquiry with Transunion taken off of my credit report as I did not apply for an 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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Regarding chargeback case # XXXX, I followed everything dispute management told me in order to bring this case back into timeframe come to find out they told me incorrect information. I would like to request courtesy rewards points/cash for this mistake done by dispute reps. It took me a very long time to resubmit my case, apply, chase down the rep who was on my case. Now I am given the run around of this isn't possible etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I opened an account on XX/XX/2021 with Chime online banking. I direct deposited my work check on XX/XX/2021 into the account and bought Bitcoin this last week to try to make some extra money after XXXX had boosted the price. After my investment I wanted to transfer back XXXX dollars to my chime account to pay my bills. They then locked my account and told me to provide verification details like an government Id and utility bill. I emailed these documents to them in jpeg format like they requested. The email was sent on XX/XX/2021. They replied a few minutes later saying that the information wasnt valid and they would be permanently closing my account and can not offer a refund. I asked for more information but got the same response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MD

Complaint narrative:
I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: The Outsource Group, Inc
State: NC

Complaint narrative:
Please forward the information to MEDICREDIT , INC . Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CA

Complaint narrative:
I just sat on hold for 2 hours and 6 minutes trying to reach the office of Consumer Affairs in XXXX GA. Unfortunately Equifax has continued to discriminate me and the handling of my file. The agent by the name of XXXX employee ID : XXXX said that after waiting patiently on hold that I would have to get a call back from the OCA after waiting 2 hours and 6 minutes. 

She also indicated she didn't know when someone would call back that I should receive a call back within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc
State: CA

Complaint narrative:
XX/XX/2019 I was taken to the hospital via ambulance for an XXXX XXXX XXXX I was kept over night. XXXX refused to pay a medical bills. The hospital XXXX liaison failed to secure payment, and a local charity refused to respond. I advised the provider ( s ) in writing more than once that I was attempting to get the bill covered via XXXX and/or charity : neither responded. Every other provider has accepted compromise and settlement of their accounts. The subject company billed me for {$1700.00} ( with an unexplained total of {$2700.00} ) ; apparently referred the account to a collection agency ( PlusFour ) that refused to talk to me because I called and disputed the collection notice. Then I was notified by credit reporting that this company had issued a second collection notice in another amount, squatting on my credit report. They have refused to send complete information, they don't have to talk to me because I contested it. They continue to charge " interest '' on the fraudulent listing on my credit reports. I have sent a letter to the medical provider with a check in offer of full and final settlement. I am XXXX and XXXX where I can, using a friend 's address as a temporary mailing address. The provider hasn't responded or processed the check and the collection agency continues to refuse to correspond with me and provide complete paperwork on what they are trying to collect. The provider is an imaging lab that apparently billed above what the hospital charged which I did not agree to. The agency, PlusFour in XXXX XXXX, Nevada is in violation of FTC and CFPB regulations. I have acted in good faith and the provider and their collector have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service Research XXXXXXXX XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( Transunion ) and XXXX ( XXXX  ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ).

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXXXXXX XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State Department of Financial Services at www.dfs.ny.gov and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, 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