vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I've been trying to correct the issues with Colony Brands i.e. XXXX XXXX  XXXX, XXXX over a year. Most of these orders were made while I was in the XXXX for 2 years, therefore, they did not confirm it was me before opening and/or confirm any information.. I used several avenues to resolve the issue with different agencies and they would not respond with the agencies so the case was closed. I specifically told this company I did not place any orders with them ... if the company would have checked my credit report, it says not to open nor place any orders without confirming it is me. I spoke to XXXX in the Corporate Office and was assured he would provide information so I could review it. Then were to remove charges then close all the accounts. I did not receive any other contact from Colony Brands  ... i.e. XXXX XXXX  XXXX or XXXX. They could not provide any information that would substantiate any orders, therefore, I will not be responsible for anything that isn't mine. I receive reports from XXXX  XXXX showing past due accounts that I felt were resolved over a year ago. There was a file # XXXX ( Colony Brands ) and FTC file # XXXX. Colony Brands waited until they thought I would have forgotten about the issue without any proof of FTC, discussion with them or documentation. Now Colony Brands trying to bully me into paying a debt I do not owe by placing inaccurate information on my credit report at all credit bureaus. 
The charges are fraudulent and are an inside job with their companies with the burden of payments on the victim. I am on a Social Security Fixed income and can not /will not pay for anything I did not order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Blue bird Amex has shut off my account, withheld my money and will not take my calls to resolve this issue. I have done nothing violating their terms. 
XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I had XXXX XXXX and when to emergency room.I was diagnosed with XXXX XXXX XXXX. I was in lots of pain and demanded a XXXX.I was denied of XXXX by XXXX of XXXX, NJ. My NJ hospitals XXXX  could not see me with in a week or next 6 month, due to being overbooked.I have to see XXXX  doctor, mr XXXX, he took me right away, and diagnosed XXXX XXXX XXXX.What needed a XXXX. XXXX was preformed at XXXX XXXX XXXX PA,XXXX miles from my home in NJ. My health insurance refuse to cover XXXX due to medical code submitted as XXXX XXXX XXXX, What they not consider emergency XXXX .XXXX. XXXX provided to XXXX XXXX XXXX XXXX XXXX XXXX  correct diagnoses, to make sure, XXXX payment going to be processed under right medical code.Medical bill from XXXX hospital and XXXX XXXX XXXX went in to dispute appeal with health insurance, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  hospital billing was provided with appeal information. About 2 years I have not received any info about my appeal.Now in 2020 I received a letter from collections.I am not sure if they can legally collect from me.And I don't know why XXXX XXXX XXXX XXXX did not send me appeal resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Faye Servicing bought my loan from XXXX XXXX in XX/XX/2019. I began making payment to Faye Servicing in XX/XX/2019. Faye Servicing does not take electronic payments, the payments are sent by paper check, usps mail. XXXX shows the date my payments are delivered to Faye Services payment address. My payments always arrive prior to the late due date the XXXX of each month. 
Since XXXX it takes Faye Servicing XXXX days to post the payment to my account. I get statements showing my payment is late and or has not been received and constant collection phone calls for a payment they have in their possession. 

I'm told it takes a while to get from their mail room, well that's not my problem that they don't have adequate staff to promptly pass on my payment to the department that cashes the check and the department that cashes the check doesn't update my account that the check has been received and even after it has been cashed by my bank, it still is not updated in their internal system so I keep getting collection calls. 

XXXX payment-check from XXXX delivered on XXXX check # XXXX {$1200.00} was cashed on XXXX per my bank statement. it is now XXXX and I'm being called and told my payment has not been received. 

1. Ongoing and continuous problem every month 2. for XXXX it took 13 days from when they received my payment to cash it 3. 6 days after it has been cashed, I'm being called 2/3 times daily told they have not received my payment. 


4. I do not receive an updated statement after they finally communicate internally and reflect my payments. 


5. I've called in XXXX, XXXX & XXXX about their slow processing of my payments trying to be proactive with no fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card debt in collection. The collection agency is XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. 
I have been paying this debt to XXXX, XXXX, XXXX  XXXX with monthly payments of {$100.00}. I pay this amount on their web site. The problem with this collection is I never receive any statements total amount due. I emailed them twice with NO RESPONSE WHATSOEVER stating that I will no longer make monthly payments due to their secretive, no monthly statement collection practices ( see attachment ). I had also called them at least two times explaining my displeasure. It has been almost two months since I contacted them via the aforementioned emails and they have sent me a threatening letter with the total amount due. 
XXXX 's collection method is deceptive and I believe unlawful with consumer law. I am XXXXyo and living on a tight budget from my monthly social security. 
Thank you for your attention in this matter. 
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
Consumer complaint received 2020-02-26 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: Mobiloans, LLC
State: CA

Complaint narrative:
I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, Mobiloans has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through XXXX, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote Transunion and XXXX  on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CA

Complaint narrative:
I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, XXXX has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through Transunion, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.

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 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used the Square App for payment for my XXXX XXXX cookies sales. They said no fee until you reach {$1000.00}. I have spoke to someone the first time I saw the fees. They said oh we have applied the code you will not get any fees. I am now emailing XXXX and still getting fees. they refuse to give me a number to call and said they can remove the fee, now XXXX has told me again that they have applied this code. XXXX XXXX   cookie season is only a month and we are done. so we have paid out over {$50.00} in fee that they refuse to credit back to me account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( Equifax and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I Contacted the Credit Report Agency, to dispute, collection with XXXX, I explained I didn't get any service o bill from them, I started my services with XXXX in XX/XX/XXXX at XXXX XXXX XXXX, XXXX Pa XXXX, in XX/XX/XXXX I moved to XXXX XXXX XXXX XXXX, PA XXXX and immediately I moved my XXXX service to my new address, so I explained them, but they said the serves as verification, so I don't understand, how the made the investigation. I solicited any proof I get any service or bill from XXXX, but the never sent. Also the other Collection with XXXX, I never get any service or bill from them, I moved to Pennsylvania in XX/XX/XXXX, I called them asked what kind emergency and symptom was, and the report they only said XX/XX/XXXX, I try to contact them severe time. I contact the Credit Report Agency ( XXXX  and XXXX ) but, they still have those Collection on my record, is no fair the Agency make money selling my information, and don't make any effort to verified the Collection are right, so my history report with all my credit account ( open or closed ) are never late. So they need to be sure the Collection report are true

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 2020-02-26 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: LA

Complaint narrative:
I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please 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 non-monetary relief
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: KS

Complaint narrative:
On XX/XX/2020 at XXXX I began receiving alerts from my bank about transactions that were hitting my checking account. The fraudulent transactions were originating from something called CashApp. I had four transactions successfully go through my checking account for about {$200.00}, the rest of the attempts were declined by my bank. I have never used CashApp and did not know what this was until this event occurred. I disputed the charges with my bank and they are in the process of investigating the charges. On XX/XX/2020, I received via US mail a Visa debit card from CashApp with my full name, a debit card number, CVV number that I did not request. My complaint is that I have searched the internet for contact information for CashApp ( owned by Square ) and they explicitly state there is no phone number that you can call and talk to anyone. You have to use their app to contact support. I do not have an account with CashApp and therefore can not use their appt contact support. I have no way of canceling this Visa debit card they have issued because I can not contact them. How can this be? How can they issue cards in someone's name from a fraudulent transaction and are not required to have a way for consumers to contact them outside of the to resolve the situation? I have no idea what this debit card is tied to and no way to contact them to get it canceled. The fine print on the card says issued by XXXX XXXX. I tried to call them and all you get is a recording that live support is not supported and that you have to use the app. Are you kidding me? Something is not right here and this company and bank issuing these cards ( XXXX XXXX ) needs to be investigated. How in this day and age are allowing consumers to be taken advantage of and we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I found a negative account on my credit report from Paypal synchrony bank. I explained to them that this is not my account. I had identity theft and I asked for something with a physical signature showing that I opened this account. Despite them not being able to provide the proof, having the wrong name and address they still refuse to remove this from my credit file and I have submitted this to all three credit reporting agencies with no improvement. Per fair credit reporting regulations, they are required to report accurate information And they are not but still will not remove this from my credit file. Then they keep changing the status on the act and it keeps affecting my credit score.

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 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I expected my MIP/PMI insurance to be dropped automatically once my principle balance was below 80 % of my original appraised value. However, I noticed this did not happen, so I called PNC in XX/XX/2020 to inquire about it. The representative told me that it was based on the original amortization table and the date it reached 80 %, if I had made additional principle payments they are not taken into consideration unless I call and request the insurance be discontinued. He looked at my loan to original appraisal value and it was at 67 % and said that he would take care of my request. In XXXX, I logged into my account and saw the payment had again been made. I called and the only way to drop the insurance is for my to go to the trouble and expense of having yet another appraisal less than 5 years from the original appraisal to prove my home value is not only the same but has risen 24 %. My monthly payment is auto-drafted from my checking account and has never been late. I have also paid an additional XXXX in principle. I have an incredible credit history, and this is just taking money out the pocket of a hardworking American. 

Additionally, the principle payments I have made have been misapplied as payments to interest every time, even though I followed the instructions given by PNC to the letter. They do not have an option to make a principle only payment online, but a check has to be mailed in with apply to principle on the memo line. It is then my responsibility to login and see that the payment was correctly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please 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 2020-02-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: AR

Complaint narrative:
I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

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 2020-02-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

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