vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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: TN

Complaint narrative:
I have dispute with this company many times regarding the error on my account. Instead of repairing the issue, they have stated the account is " accurate '' this is incorrect reporting. The COLLECTION is being reported twice on my report and one of them is reporting that i am XXXX late. From my understanding of the law, this is impossible to be XXXX late on a collection. The account is XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX. Please help me. I have tried to resolve this matter with this company and they have yet to resolve.

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 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This company is fraudulently reporting a collection account and each it is disputed onn my credit report it is verified the information from the credit reporting agency AWA verified as correct and they increase the balance by {$1.00} harming my credit score each time. I have provided by certified letter my correct mailing address and a written dispute and a copy of the receipt. I paid the original creditor and have been disputing this several times over the last few years. I brought my receipt to original creditor whom I prepaid for the procedure and they stated that it was reported to collections in error and XX/XX/2016 it was manually cleared from collections. Office Manager XXXX showed me on her computer when I visited the office about this collections problem it was cleared manually in XX/XX/2016 and AWA was manually notified this debt was sent to collections in error and she stated she knew a collection manager at AWA and would have it deleted ASAP. The next day the collection balance was increased with the credit reporting agency and dropped my credit score again. This company is in violation with the law. Also the original creditor stated they have never verified this debt as valid and was shocked at the problem I was having. I am a consumer with rights and they are not only ignoring them they add a dollar to the balance every time I try to dispute this. So they are purposely harming my credit for a debt that was not only paid but PREPAID before the procedure was done. I have written proof of every attempt to get them to properly remove this item and that it is and was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
I have tried to get in contact with this company multiple times and they refuse to update my balance to the correct amount. On my credit report it shows an unpaid balance of over {$1100.00} when actually all but {$570.00} has been paid. I have attached proof to this complaint and I expect my credit reports to all 3 be updated immediately with the correct amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
According to Federal Law, XXXX is legal. I opened an online business. I used Square as my vehicle of payment. After 2 sales totaling {$950.00}, they deactivated my account saying it was a high risk business. I understand, XXXX is still misunderstood, but it helps millions of people deal with pain & anxiety. So I am passionate about helping people feel better. If Square doesn't understand that it is legal, that it is NOT trying to hurt the public ( quite the opposite ) & they consider it high risk, fine. But don't keep my money for 3 months with NO resolve ability. It is impossible to reach them. OH yes, sales you get a human. Anything involving a deactivated account, they tell you to look at the first email. I called their numbers ( 3 of them ) on 5 different occasions over the past 2 months, all lead you to nowhere but frustration. That email tells you to go to their help online. Help online tells you to go to the email. 
Contacted the sales rep I bought it from on XX/XX/XXXX. When deactivated, I sent him an email on XX/XX/XXXX. No response. I called him on XX/XX/10, XXXX. No call back. I am beyond words. 

On XX/XX/XXXX, XXXX XXXX attempted to transfer to my XXXX XXXX account. On XX/XX/XXXX, XXXX XXXX said that XXXX XXXX put a hold on it. I have the documentation. 

After months of frustration ... I am putting in a complaint. This is just not right. I did searches on XXXX. Thousands of others are complaining, many attorneys. The experience has harmed me and my business as well as many others. When is too big not acceptable for consumers. When the consumers are lied to to get the business and then they pull the plug when they feel like it. It is just not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
The company is XXXX XXXX XXXX XXXX in XXXX, DE XXXX. They sent me an invoice for {$110.00} from a creditor : PayPal , Inc . They claimed the account opened on XX/XX/2012. They gave a bogus account number also. I have never dealt with XXXX, XXXX privately or professionally in my business career. I have never heard of this company as well. In looking on XXXX, this company has several complaints like the one above trying to get money from decent consumers. I have contacted the XXXX XXXX XXXX as well, and they say they can't do anything about it. What's wrong with that picture? This company is a scam and someone should try to stop them from these fraudulent activities. This company needs to be brought up on charges from the Attorney General 's office in XXXX, DE. I hope no one responds to their bogus requests and threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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: IA

Complaint narrative:
I tried applying for a credit card On XXXX and XXXX of XX/XX/2020 in Citibank and XXXX XXXX and got denied yet I dont have any debt or a bad credit history. In fact this is my first time applying for a credit card.

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 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : LVNV FUNDING LLC Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify &  delete this information ) Creditor : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verifXXXX & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. 

Thank You Sincerely yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services
State: CA

Complaint narrative:
My original loan from XXXX XXXX was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to Clearview Resolutions. These people referred me to Clearview Associates who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than XXXX XXXX. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a Clearview XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
I have a mortgage, loan number XXXX, with CMG Financial, a division of CMB Mortgage Inc. I have been calling since XX/XX/2019 to request what they call a netted payoff, since my escrow balance is significantly more than what I owe on the loan. I also called them XX/XX/XXXX, XXXX, XXXX and XXXX. I was promissed a payoff that would take place and on the last phone call was told the loan would be paid off on or by the beginning of XXXX because FHA requires the payoff take place at the beginning of the month. My loan is still not paid in full, acruing just a little interest since the balance is so small, but I've also been charged PMI for XXXX and XXXX, thanks to their inability to do what I asked. I need the loan paid off, without the inconvenience of sending certified funds when the escrow balance is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.

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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX XXXX The negotiator is playing games on this file and forcing a cancellation that is unnecessary. The fully executed Arms Length Affidavit was sent in on XX/XX/XXXX. Yesterday she claimed that escrow didnt sign it. In fact, the negotiator did not bother to look at the last page, which escrow signed separately. Today, XX/XX/XXXX, she came up with yet another excuse to not work on the file, claiming the agents employing broker does not have the right to sign for him. 

Firstly, it is obvious the negotiator is playing games -- -- - she didnt ask for the agent to sign instead of the broker yesterday, and all of the sudden today she is cancelling the file. -- -- She is cancelling the file without giving us the opportunity to provide the requested documentation!!!!! She just arbitrarily cancelled the file so she wouldnt have to work on it. 

Secondly, she has decided to prohibit the agents employing broker to sign for them even though the broker is legally responsible for all of their agents. This is in fact a violation of CA State Law regarding the rights and responsibilities of the employing broker in a real estate transaction. 


I want the short sale re-opened and reviewed IMMEDIATELY. This should never have been cancelled.

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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
My husband and I received a Giftcards.com gift card for {$150.00} as a wedding gift in XXXX of XXXX. It was meant to be used on a trip to a specific place, so we waited to use it until traveling there this XXXX. As the card doesn't officially expire until XXXX, we assumed we would be able to use our gift card now. The {$4.00} per month fees on the card are so usurious, however, that the balance on the card had been whittled down to zero before we even activated the card. The fees on the card amount to an interest rate of 40 % per year ( $ 4.95/month on a card value of {$150.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX XXXX and Transunion as well as to XXXX regarding this. They claim they have investigated it but they have not.

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 2020-01-06 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: CA

Complaint narrative:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX, Equifax and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to Experian, XXXX and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.

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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
This complaint was submitted to Caliber Home Loans customer service representatives, collections representatives, and our XXXX XXXX from Caliber Mortgage. Caliber Home Loans was notified of this error many times via phone, email, and text. Request were made for an investigation of the transactions below ; accurate posting of payments made ; return of stolen funds ; removal of all late fees and any related charges ; and an accurate update to all credit bureau reports. 

Caliber Home Loans has not posted a payment made to our Mortgage account. The payment was made from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$1500.00}. 

Caliber Home Loans also stole money from the same XXXX XXXX XXXX XXXX account by taking an unauthorized draft of {$200.00} on XX/XX/2019 and did not post the money to our mortgage loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: MO

Complaint narrative:
XX/XX/19 I received a letter in the mail from XXXX XXXX XXXX XXXX stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from XXXX XXXX Solutions.

XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to XXXX XXXX XXXX which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me.

# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for.

This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
My original loan from Balance Credit was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to XXXX XXXX. These people referred me to XXXX XXXX who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than Balance Credit. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a XXXX XXXX XXXX. And it didnt even have my apartment number on it. 
I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
This is to continue a complaint that I previously filed with the CFPB regarding Robinhood 's  failure to notify me of corporate actions for the fund previously known as XXXX. XXXX liquidated and Robinhood did not inform me. I opened up a complaint with this regulator to notify them of Robinhood 's actions. In their response, Robinhood Markets told me they are not required to inform me of all corporate actions. I disagree with this. Robinhood has marketed itself as a way for young, amateur investors to participate in the stock market without high costs. Therefore, it is Robinhood 's responsibility to notify me of corporate actions. Robinhood 's failure to notify me of a corporate action resulted in me losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine STATE OF MI OFFI CHI XXXX not mine

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 2020-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine

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