vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This is an original debt from XXXX XXXX. Last XXXX I cancelled my cable which was {$170.00} a month and downgraded to wi-fi only for {$50.00} a month. XXXX sent cable technician out and he cancelled cable in two rooms and took remotes and cable boxes. I called XXXX and message them through their website and I could not get ant resolution. XXXX continued to bill me for full cable about a {$170.00} a month for two and a half months until it was finally disconnected. I received a collection letter and I called the collection company and requested a statement. They told me they would have XXXX to send a statement but I never received an statement. Next thing I turned over to collections. for {$510.00}. I believe I owe half of that and I can't seem to get resolution. I disputed this on XXXX  and XXXX XXXX but I get the same results.

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 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MA

Complaint narrative:
United Collections Bureau is attempting to collect illegally on a medical debt. 

I have sent them three notices, 93A Demands, via certified mail. They failed to provide proper validation of their claim and continue to report to the bureaus in violation of federal and state law. 

In the state of MA under XXXX XXXX XXXX CMR XXXX : Unfair Practices AND XXXX XXXX : General Unfair or Deceptive Acts or Practices - a debt collector may NOT place their name on a consumer credit report. UCB has broken this law. 

UCB has failed to provide proper validation of their claim to show Proof of Assignment, the contract showing they own or represent the account, in violation of MGL Chapter 106 UCC section 9-405. 

UCB has failed to provide proof of their claim under federal or state law requirements. No signatures or ledgers on the alleged account were provided. 

In fact, after receiving the third demand for action UCB refused to comply in anyway stating a refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK
State: AR

Complaint narrative:
It is my understanding that banks are required by law to give IMMEDIATE CREDIT for direct deposits from the Federal Government -- in this case " Civil Service Retirement. '' IF MY UNDERSTANDING OF THE LAW IS INCORRECT PLEASE ADVISE. The bank failed to pay three checks at XXXX XXXX XX/XX/2021 as NSF while waiting to post the Federal Government 's direct deposit of $ 5,000+ until XXXX XX/XX/2021. This resulted in a {$20.00} late payment penalty on one of the payment which had to be rescheduled along with the other two ( fortunately no penalties there ). I do not care what the Bank 's agreement says they should have given credit for the days deposits before processing payments. They do the same thing with Social Security, Social Security XXXX, Veterans Benefits, and all federal direct deposits. Explain to me if anything is going to be done to stop this? What this bank is doing is criminal. Please respond. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have complained to Experian several times about not removing the hard inquiries when they are passed the expired time to be reported. 

Experian has failed to comply with the FCRA about how they are continuing to report hard inquiries that should have been removed because its 24 months is over.

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 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX  account is in litigation and should not be reporting. I have sent off letters several times stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello. I made a payment in full to XXXX credit card {$92.00} onXX/XX/XXXX. Payment was due on XX/XX/XXXXtherefore I was charged a late fee of {$29.00}. I spoke to a representative when the next statement came in and they said they can waive the late fee as a one time courtesy since Ive never had any late payment and my account was in good standing. Then I received another statement with {$29.00} late fee plus {$2.00} in interest. I called again and they said the billing cycle had already generated and to ignore it because my actual balance was XXXX. Not knowing I had a balance, the next month went up an additional {$33.00} in late fees, making the total {$64.00}. Then an extra {$40.00} in late fees was tacked on with a total of {$100.00} due XX/XX/XXXX I reached out months ago and they told me it was an error and I didnt have to make a payment. I confirmed my account was XXXX out and the representative staters the error was made by the creditor and not to worry as it was cleared up on their part. Then a couple weeks later I was hit with a 30 day late on my credit. I was never 30 days late. I disputed the error and they denied it. Damaging my credit very badly. I pleaded with them to fix their error as I am in no position to have my credit damaged so severely and they ignored my requests. I tried several times after and they still will not take accountability for their mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally mistakenly paid off my vehicle on XX/XX/2021. Called on XX/XX/2021 after receiving an overpayment check. Told 1-2 business days for contact. No contact called on XX/XX/2021 no help again told I would receive contact on XX/XX/2021 no contact. Called on XX/XX/2021 again no progress, contacted Ally fraud department to report no contact. Was instructed to make a report to NC insurance and to this agency. Every time I have contacted Ally they act like this is the first contact, they asked me to Contact the insurance company XXXX XXXX ) which is not my insurance and XXXX has no record of this. The amount paid was {$12000.00} and according to Ally the title was sent to XXXX. My vehicle has been in no accident. My contact number is XXXX email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I received 3 phone calls from them between XXXX XXXX  and XXXX XXXX  from a restricted number when i advised them they cant do that it is harrassment i was told it doesnt matter we can call you 9 times a day regardless of how far apart the calls are. Also they are not calling from a number i can call back to, they dont say the calls are recorded for quality insurance, that the calls are intended to collect a debt or any of that in their calls. This is unacceptable. Ive missed 1 payment due to being out of work due to emergency XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a direct deposit from my job on the XXXX of XX/XX/2021 my bank stole my whole paycheck and said they did so because I didnt have funds in my account for 5 XXXX XXXX Transaction and a XXXX XXXX meal i they also claimed that my cell phone payment didnt clear either all of it was a lie I had an estimate of XXXX in my account when my payment was made for the cellphone bill which was immediately debited from my account I called XXXX they also said that money was immediately debited Wells Fargo was very rude and when I told them and said well Im only returning the over draft fee when they were caught in the lie also the lie about my XXXX XXXX stating that there was no money in my account and told me to call XXXX XXXX  so I called XXXX XXXX on XX/XX/2021 and the agent told me that this is shocking that my bank did this the agent also stated that XXXX XXXX is immediately debited from your account they dont use 2day hold the money is immediately debited from my checking account and if there is no funds in the account it will be declined for XXXX XXXX the agent at XXXX stated the money is instantly sent to the recipient like exchanging cash from hand to hand she also stated that if the account do not have the funds the sender is sending from checking account it will not go through even if I have overdraft protection it wont go through which I do not and never had over draft protection on my account if funds are not in the account then I can not make purchases of any kind on XXXX transactions restaurants stores or no where but well Fargo will still use treachery bank practices to steal money out of my account Im a XXXX worker my daughter contacted XXXX at the worst time in my life my bank Wells Fargo decided to ruin my life not only have I been out of work taking care of my sick child but they stole my last paycheck I received after being out of work taking care of my daughter with XXXX I could not buy disinfect products and they caused me to be stranded at my kids doctors office because they decided to steal all of my money after I booked a XXXX  ride to my doctors office for my daughter XXXX appointment Im disgusted with the cold and callous actions of this bank Wells Fargo and its not the first time I want to file a complaint and a law suit against this bank

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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have been a CashApp user since 2018 with no problems, starting two months ago I noticed people I didn't know trying to get my account to send them money, I have about 5-10 requests for money from me, ranging fron $ XXXX {$500.00} which only {$1.00} was taken from my account. I notified CashApp about the problem. i was told to log out, when I logged back in I was made to make a second account, I notified CashApp again, I was told to log out again, when I logged back in a third account needed to be made, all while tiring to get back to my first account which has a total of {$40.00} in it, I have so many emails which only asks me to copy and paste the same information over and over. CashApp has yet to help me retrieve my original account or my {$40.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : EXXXX XXXX XXXXXXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C System has been calling to collect the debt from XXXX XXXX  of central XXXX. Not only have I paid off the security system before I sold the home 5+ years ago. They wont stop calling me very early in the morning I have been working in XXXX on and off for the past few years and I am getting collections calls as early as XXXX local time. They are very unprofessional and verbally abusive when it comes to a matter that they dont have all the facts about. In addition to that there was an unjust derogatory mark submitted. For {$1000.00}. After I paid everything that was agreed in the initial contract from 2012

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 2021-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
I was in a loan modification. My payment was late XXXX due to the mail service. I mailed the payment in time, they state it was late and refused it. I was removed from the loan modification and they state I am in pre-foreclosure since XXXX. They have returned 2 payments but I have not received XXXX payment back. They stated it would be returned and NOT to send any other payments. I have talked to them several times, submitted paperwork and its always something else to prevent a meeting modification. All of this has been going on during COVID. I have to re-qualify for a home I have had since 2006 and the interest rate is ridiculous. I want to keep my home. We have also discussed having my wife added to the mortgage and was denied. Any assistance you can give is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I Am a PROTECTED CONSUMER. I know my rights. I sent this company a official statement letting them know that I was a victim of identity theft. there were to remove these fraudulent items 4 days after receiving my statement on XX/XX/2021, but these items are still on my credit report. I feel violated and there are FCRA LAWS in place to protect me against this abuse .I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. DO NOT USE THIS STALL TACTIC " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' If you try to use this stall tactic, then I will use it as evidence in litigation.

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 2021-05-28 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: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Upon reviewing my credit report I noticed that Bridgecrest was reporting on all three of my credit reports XXXX, XXXX  and XXXX  a 30-day late for XX/XX/2020 in regards to an AUTO LOAN. I reached out to the company to provide me with valid information and paperwork in regards to this 30-day late item showing I was in fact 30-days late. Bridgecrest company REFUSED to provide me with the information I request. In addition, I requested that they immediately delete the inaccurate 30-day late payment from all three of the credit reporting agencies XXXX, XXXX and XXXX but Bridgecrest refused to accurately update my credit reports. During the XXXX when Bridgecrest stated I was late, I literally no longer owned the car at the time. It was TRADED IN at the DEALERSHIP in the month of XX/XX/2020 and I DID not OWN the car. I have not been able to resolve this issue with the car company, or have my credit report updated accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I have a XXXX XXXX providing XXXX XXXX  and use an online entry system for show entries. Payment is made online using checks and services such as PayPal. I have been in business for over 20 years and have used PayPal for a number of years. For my XX/XX/2021 shows PayPal froze {$13000.00} in my account alleging " unusual activity ''. They refused to give any additional information after I talked to their representative on the phone. Days later, they informed me that they were holding {$10000.00} of my money as a " reserve '' to cover any claims that might be made against me. No such claims have ever been made. I will be allowed to receive my money after 45 days. Any addition money paid to me will be held for 45 days. I talked to another account representative supervisor who only identified himself as " XXXX '' he would not provide contact information. He said that the decision to with hold my money was final and that there was no way I could have it immediately. This is my money. PayPal is acting as a bank and has no basis for with holding money deposited in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

Barclays- late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/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