vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 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: FL

Complaint narrative:
I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
This is a formal complaint against XXXX XXXX And Jewelry located in XXXX, OR. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX And Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: MD

Complaint narrative:
Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Had a XXXX Credit Card through Comenity Bank ( worst bank ever )! Did not use card and then get charged a fee for not using card so I told them to close the account. I didn't use it that often and to get charged when not using it is ridiculous. But they would not close account and kept charging me {$10.00} so i finally paid {$30.00} to just get rid of them and they finally said they would close account. Several months later I got notice from a collection agency regarding outstanding bill. Now 5 years later it up to {$300.00}. What can I do? This account was closed and bank still charged!!! This is 5 years later!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced my home mortgage with the company called Loandepot in XX/XX/XXXX and included Taxes and Homeowners insurance in Escrow. In the last week of XX/XX/XXXX, I logged in to my online account and found that no Insurance payment has been made from my escrow. My Homeowner 's insurance expired in XX/XX/XXXX because of that. I followed up with loandepot and was told that My Insurance  broker company never shared new bills with them and they have put me on forced insurance. I made them available with these new bills. A lot of back and forth happened with no results. I contacted XXXX XXXX myself and they told me that since the policy has expired they have to write a new policy. Still loandepot was telling me that they are communicating with XXXX XXXX regarding the policy renewal. I gave up hope on loandepot resolving anything. Already 3 months had passed without Homeowners insurance, so I bought a policy myself on XX/XX/XXXX and updated loandepot about it on XX/XX/XXXX. They screwed up again and XX/XX/XXXX I noticed on my online account that a payment of {$730.00} has been paid from my escrow to the insurance. I contacted loandepot again and they have no idea that they have made a payment to the insurance policy that was expired in XX/XX/XXXX. I haven't got any resolution from them yet. Every time I call, they put me on hold for hours. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
I was contacted on XX/XX/2021 by a local number. They called again on XX/XX/2021 and I answered. The call was coming from Louisiana and when I asked her where she was located she said California. I was transferred to someone else that was telling me they were going to sue me and issue a judgment for breach of contract on credit card debt. They claimed to have attempted to serve me legal papers but I have not been served. I never received the original letter they supposedly mailed. The debt is from XXXX and now they are maki g threats

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 explanation
Consumer complaint received 2021-04-14 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: AL

Complaint narrative:
I consumer recently sent in letters of unauthorized false invalidated information on my credit report and hasnt been sent back my investigation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX. For the last 6 months I have been trying to buy out the reverse mortgage my mother had on the house. The address is : XXXX XXXX XXXX, XXXX TX XXXX. Here 's just a little background. 

Starting about XXXX Mom was is very bad health with XXXX and other issues. She went into the hospital 3 times when a XXXX ( that she was prone to ) went XXXX. This had us on an emotional roller coaster as each time it happened it was a little worse. The second time she was in an induced come for 6 weeks and in the hospital for 12. The third time she never recovered. She passed away shortly after XXXX of last year. Myself, my sister, and my brother in California were labelled as executors on the will. 

Here 's the situation. I've been working with XXXX XXXX XXXX and XXXX XXXX to get financing to pay off Mom 's reverse mortgage with XXXX XXXX and take ownership of the house. I planned on living there as it is close to my sister. I had planned on moving there from XXXX XXXX for years. I had to move into the house since my apartment complex will not do a month to month lease. For the last 6 months I've been providing XXXX 's XXXX with all the documentation they required. I've had the foundation repaired and the fence replaced. I spent {$1000.00} on plumbing. All together, I've spent over $ XXXX XXXX dollars getting to this point. I've also payed for a Survey and inspections. We were supposed to sign the closing paperwork Tuesday XX/XX/XXXX. I received a call saying that somehow my name got on the title without my consent. This is news to me because I am not aware of a Transfer on Death Deed. I have also not signed anything that would give me ownership. 

What XXXX 's XXXX told me that due to a Texas Law they could no longer finance me. As you can imagine, I was shocked, disappointed, and discouraged. I called XXXX XXXX and they said that they could not either. I think they mentioned a lien against the house. I am not really sure because I was still in shock at the time from the news. If there is, it would probably be by the reverse mortgage company XXXX XXXX. I'm just not sure. Right now I just do not know what to do. I'm working with XXXX XXXX, but it's hard to be positive since XXXX XXXX  said they couldn't help. 

I'm really angry because I did everything that they asked of me. Now someone illegally has gone in and just before closing ( and thousands of dollars later ) crushed my hopes of getting into this house. To my understanding of the Law, no one can force me to accept property without my consent short of a Transfer on Death Deed of which there was not one. I am looking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CA

Complaint narrative:
Paypal closed my account and won't send me the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: IL

Complaint narrative:
On XX/XX/21 I sent letters to each bureau reporting my identity theft along with my police report and FTC report. I have not received a response yet I feel like I'm being ignored about my FTC complaint. Section 1681 ( c ) plainly states that failure to investigate these items within 5 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Good evening, Paypal closed my account without any reason or warning, i tried contacting them trought on-site support, phone call, XXXX and they refused to assist me or tell me the reason why, also on-site support told me to open a new account ( I have proof of it ), which invalidates the purpose of them permanently limiting my account in the first place. 
They assured me that it was done manually, not by a robot, but the limitation happened on sunday, which im sure PayPal doesn't work on I provided all my private documents that they required on time. 
I rely on PayPal for my bussiness, currently there are no alternatives that i can use, or that exists. 


My email is - XXXX I got permanently limited on XXXX. XXXX Thank you in advance, if you need more information or documents please let me know. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I XXXX XXXX entered into a consumer agreement with XXXX for car insurance and was a college student at the time. Caine & Weiner opened a collection account on XX/XX/2020 for $ XXXX.XXXX illegally sold my debt to Caine & Weiner ( which is a third party ) .Caine & Weiner is violation of the following 15 USC 1692d ( 2 ) ,15 USC 1681a ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Medical Data Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
CSC Collections placed a collection on my credit report for {$270.00}. This amount was paid in full to XXXX XXXX company on XX/XX/2021 when I got a new policy with them. YThis had to be paid first before new policy could be done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Two acquaintances received phone calls, one of the calls received went to voicemail and the transcribed voice message was forwarded to me. I have attached a screenshot of the transcribed voicemail. I also received a voicemail from ARS ( Atlantic Recovery Solutions ) from a XXXX regarding a debt I do not owe. I have attached a screenshot of that transcribed voicemail as well. 

I have not received any documentation from this company whatsoever. I checked my credit reports from all three credit bureaus and this company is not listed on any of them. They have sent nothing by mail I can respond to in order to verify this is a legitimate debt. Because the message was sent to an acquaintances phone and not my own I further cant verify who they are. The only way I was able to find the company behind this call was because the person sent a screenshot of the phone number it was received from and it matched the message Id received. 

This is not legitimate. 

The outcome I desire is no further contact from this company in any form whatsoever. They will not harass acquaintances or attempt to contact me through other parties or any of their affiliates. Whatever records they believe they have regarding me will be removed from their systems and will not be passed on to further parties in another attempt to receive monies from me. 

Please investigate this business on my behalf. I believe they are attempting to press an illegitimate claim to receive money for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, its been 30 days or more for this fraudulent account reporting and the only response I received was debt verified. I want to know who verified the debt? By law in 30 days or more the debt is suppose to be remove if not verified by the lender. I want to see signatures stating that I got the auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AES/PHEAA
State: TX

Complaint narrative:
Inaccurate late payments are showing on my credit file. This has caused me tremendous XXXX. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: FL

Complaint narrative:
I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written called the credit bureaus and lender I paid the balance in full XX/XX/2020. Yet is is showing as a balance of XXXX. The errors in reporting by the credit bureaus despite my request to correct our violations of my rights. It continues over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Within the last 30 days I requested and was provided a credit card from Bank of America that stated at {$1000.00} in purchases, I would receive {$200.00} returned. 

After spending approximately {$500.00} towards the {$200.00}, the company without notice and without reason closed the account. I attempted to gain a reason why by calling the company and was unable to garner aa reason for the closure. 

I rechecked my credit score and no changes are seen. I can see no earthly reason for the closure except an educated suspicion the company is falsely advertising the return of {$200.00} at the {$1000.00} purchase mark and then closing the account before a person can achieve that {$1000.00} mark.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/2021 I call credit acceptance to settle my past due debt. I was advised by 21 credit acceptance account holders that they are settling debts for up to 80 % because of COVID-19. I called 5 times to try and take advantage of this offer, all of the reps told me they knew nothing about the settlement. I was transferred to XXXX, a manager in the collections department, she advised that she knew nothing about the settlement either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Bank closed down my account on XX/XX/XXXX, without any valid reason, with my funds in it. XXXX XXXX XXXX dollars! I sent in all the required documents that was asked of me and they still closed it down. With no reply to my emails, even went as far as not even letting me call ( blocked my number )!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NCB Management Services Inc.
State: RI

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation