vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BMANSOL Intermediate Holdings, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising Bitcoin, Ethereum, and equity in the newly restructured company. However, to date, I have only received the Ethereum and stock components, with the promised Bitcoin distribution notably absent. The official docket information, as disseminated by Stretto, explicitly indicated that the distribution of Bitcoin was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the Bitcoin assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. It is imperative to note that this issue is part of a broader context wherein a substantial portion of my Bitcoin and other cryptocurrency holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of Ethereum and ostensibly valueless stock, while being deprived of my rightful Bitcoin distributionraises serious doubts about the fairness and legality of the proceedings. In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from XXXX XXXX XXXX XXXX XXXX  and Stretto ( attorney ). I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX - A letter was written by XXXX XXXX to AMERICAN EXPRESS ' XXXX XXXX Tx address, demanding verification of debt. 
XX/XX/XXXX - A letter was written by XXXX XXXX to XXXX XXXX XXXX XXXX XXXX demanding validation of the debt, verification of their claim, copy of the contract signed by myself and Amex, the original note, confirmation of the name of individual duly authorized to carry out due diligence under the Money Laundering Regulations XXXX & copies of current licenses and permits, allowing XXXX XXXX to collect a debt for a 3rd party. 

All of which was ignored. 

On XX/XX/XXXX - A summary judgment against me was signed by the Honorable XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX. 

I audited the account and according to the XXXX XXXX, AMERICAN EXPRESS NATIONAL BANK is a servicer and Master Servicer and does NOT hold a secured interest in the matter. XXXX XXXX XXXX XXXX XXXX XXXX is named, Trustee. AMERICAN EXPRESS sold and securitized account XXXX XXXX XXXX ( XXXX CC XXXX ). ( Please see pg XXXX for Transaction Details and pg XXXX of Sec XXXX : SECURITIZATION PARTICIPANTS, pg XXXX : Assignment of Receivables and pg XXXX describing " Trustee  '' as The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Rule XXXX summary judgment defense : civil code section XXXX states as follows : " Actual fraud, within the meaning of this chapter, consists in any of the following acts, committed by a party to the contract, or with his connivance, with intent to deceive another party thereto, or to induce him to enter into the contract : 1. The suggestion, as a fact, of that which is not true, by one who does not believe it to be true ; 2. The positive assertion, in a manner not warranted by the information of the person making it, of that which is not true, though he believes it to be true ; 3. The suppression of that which is true, by one having knowledge or belief of the fact ; 4. A promise made without any intention of performing it ; or, 5. Any other act fitted to deceive. '' The account has been entered into AMERICAN EXPRESS CREDIT ACCOUNT XXXX XXXX ( XXXX XXXX ) with a balance of {>= $1,000,000} XXXX # XXXX. The first payment date for XXXX XXXX is XX/XX/XXXX to Certificateholders generated from the securitized Receivables for the subject credit card account ( s ). Series XXXX security had a maturity date of XX/XX/XXXX. Cardmember Receivables has been converted into a stock as a permanent fixture. I will attach the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One has been reporting my transaction history to credit bureaus after I have already opted out per 15 USC 68.01.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :

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 2024-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX and Transworld Systems XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX ( Account # : XXXX ) both has contacted me about the same debt and from my observance these companies are working together to cause havoc and collect debts via predatory practices. They also have succeeded in causing deep concern, confusion and created a portal of fraud tunneling. I asked them to send a letter in the mail that was never received. The company XXXX  that they may have purchased the debt from had a forwarding address that I left with the company for any future concerns and XXXX XXXX and XXXX has decided to take it upon themselves to disregard the wishes to send any and all info to this new address. I also requested via phone call for them to mail me a letter and never received any written correspondence at the forwarding address provided. XXXX XXXX and XXXX does not/ do not have permission to use my personal info outside of this forwarding address now or in the future. These companies manipulated a family member into accepting info for this debt via an online tools. They now have my information in their system without my permission and have breached my privacy across multiple sources and have started more fraudulent attacks and opened funnels for identity theft and XXXX  XXXX. I have sent a Cease & Desist notice due to their deceptive practices on my behalf and do not owe or agree to any debt with these companies for my self and on behalf of XXXX XXXX XXXX XXXX XXXX. I request that XXXX XXXX  XXXX and XXXX never use, access or sell our information for any reason at any time indefinitely. I am keeping a log of all of the phone numbers that I manage and will pursue {$1000.00} per each violation. A cease and desist will be sent to all companies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Incorrect information was reported to the credit bureaus. All of my payments were not credited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I ENTERED INTO AN AGREEMENT WITH XXXX THAT I WOULD PAY MONTHLY ON AUTO PAY AND THEY WOULD NOT REPORT ME AS A CHARGE OFF ; IN ADDITION THIS ACCOUNT IS OVER THE 6 YEAR STATUTE OF LIMITATION FOR NEW JERSEY. THIS COMPANY REFUSES TO GIVE ME A SIGNED CONSENT, AGREEMENT, PURCHASE AGREEMENT, RECORDED CONVERSATIONS AGREEING TO THESE TERMS. THEY ARE REPORTING ME AS A CHARGE OFF ; I DID NOT AGREE TO THIS. IF THEY DO NOT CORRECT THIS I WILL END ALL REMAINING PAYMENTS AND XXXX XXXX, THE CREDIT REPORTING AGENCIES FOR NOT REMOVING THE ACCOUNT AFTER THE 6 YEAR STATUTE OF LIMITATIONS. XXXX HAS DESTROYED MY CREDIT RATING. THEY ARE ALSO REPORTING THIS AS CLOSED BY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I deposited a check from XXXX XXXX for XXXX and it posted after XXXX the next day but funds were not available in acct. I called corporate number and they assured me it was not PNC but the issuer who had not released the funds. I spent the next 2 hrs trying to contact them and then the branch told me that was lie and the bank did place 5 day hold.I have previously deposited a XXXX check and XXXX. Was available immediately. but with this one none. Because of this I am not able to pay my internet bill this week and a bill that I had XXXX days same as cash will not gain about XXXX in interest cause I was not able to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries were not authorized by me and I strongly believe they are fraudulent. I implore you to conduct a thorough investigation and promptly remove them from my credit report.

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 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a follow up complain to CFBP complain XXXX. 

Shellpoint has admitted their wrongdoings when they responded to my previous complaint : " Although we received the HOA policy, our system was not fully updated causing a XXXX policy to be purchased in error. As such, on XX/XX/XXXX, a notification was sent explaining this information and a XXXX policy was purchased for the property. The annual premium for this policy is {$1200.00} and provides coverage from XX/XX/XXXX to XX/XX/XXXX. 

Later, on XX/XX/XXXX the XXXX policy was cancelled. Please note, no disbursements were made from your escrow for the policy purchased, therefore, no refund is available. '' However the fact is Shellpoint either lied to CFBP, or retaliated us ( the customer ). Shellpoint have charged us {$38.00} on XX/XX/XXXX as Escrow disbursement fee after they responded to CFBP. Please see the uploaded picture as evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have paid multiple late fees since opening the account on one of my credit cards from SynchronXXXX ( some {$400.00} worth ) from one particular account with Synchrony and have yet to receive an adequate fix, or reimbursement. Each time I bring the issue up, I am told things are working find and it is just my bank 's fault, or my own fault for inputting improper information. I've asked to speak with a manager and received no help each time. They claim each time that it is their policy to only waive one late fee each 12 months regardless of the issue. 

I can not check my account information on my own due to the website 's user interface, and I can not delete my old information to re-input it to be sure it isn't a clerical issue. They have offered to input the information for me, but said that if it doesn't work, I'll have to take another late fee and take the issue up with my bank ( XXXX ), all the while, my other credit card with Synchrony works just fine on the exact same bank account. 

I am requesting reimbursement of all {$400.00} worth of late fees, and for the company to fix it autopay issues. It will not allow its customers to schedule a reoccurring date of payment prior to the actual due date of the statement. Since the system is slow, this incurs a late fee each time. I finally found out about a CFPB complaint through a last ditch effort of XXXX searching " Synchrony bank problems ''.

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 monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
PHH Mortgage was advised to pay our property tax bill due on XX/XX/year>, for the amount of {$7500.00}, a 2 % discounted rate to XXXX XXXX of XXXX XXXX collector. We sent an email with the attached property tax bill on XX/XX/year> to PHH Mortgage. We requested payment, a full month prior to this original due date for our property taxes. We have enough available funds in the escrow account to cover this property tax bill which PHH Mortgage failed to pay despite phone calls reminders and the email. The property tax bill subsequently increased to {$7700.00} and is now due XX/XX/year> and likely payment is in doubt as well. The unpaid subsequent property tax bill increased our payment liability by {$150.00} dollars. PHH Mortgage also has other unpaid XXXX XXXX property tax bills attached to our escrow account and accruing interest in excess, of a 2 % discount accorded to early payers which we would half qualified for. PHH also has XXXX other unpaid tax amounts that an email copy of the bill was sent to them without any advisement to us regarding any payment plan.

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 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising XXXX, XXXX, and equity in the newly restructured company. However, to date, I have only received the XXXX and stock components, with the promised XXXX distribution notably absent. 

The official docket information, as disseminated by XXXX, explicitly indicated that the distribution of XXXX was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the XXXX assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. 

It is imperative to note that this issue is part of a broader context wherein a substantial portion of my XXXX and other XXXX holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of XXXX and ostensibly valueless stock, while being deprived of my rightful XXXX distributionraises serious doubts about the fairness and legality of the proceedings. 

In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from PayPal ( servicing company ) and XXXX ( attorney ). 

I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

After reviewing my credit report I found it has been reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX was late.

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 2024-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems, reported on my credit report that I owe a debt of XXXX dollars from an account opened on XX/XX/year>. 
With no original debtor. I do not owe this debt and I contacted the company Jefferson Capital Systems to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00}

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$450.00}

Company response to consumer: Closed with non-monetary relief