vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC
State: IL

Complaint narrative:
I wrote a letter to a debt collection company, Mountain Run Systems dated XX/XX/2021 disputing a debt and requesting the company to cease and desist any further collection activity. Today, XX/XX/2021, my wife received a series of text messages on her cell phone from this company demanding payment of the alleged debt. This is after my written correspondence requesting them to not contact us and after receiving 3 letters in response last week to my inquiry which were dated XX/XX/2021 demanding payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications. 
I sent this letter by certified mail on XX/XX/XXXX. Please refer to the exhibit 1a. On XX/XX/XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal XXXX department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U.

Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a charged off balance on a Paypal credit card through Synchrony bank. I called them on approx. XX/XX/XXXX to inquire about settling the balance. They offered a settlement of {$350.00} ( half of the balance ) which I accepted. I asked them to send the offer in writing so that I would have a record. They sent me the offer letter, which reads in part " Please remit this payment 30 days from the date of this letter. If we fail to receive the above payment by indicated date, the amount will not be settled pursuant to this arrangement ''. The date of this letter as noted in the upper right corner is XX/XX/XXXX. I called Synchrony today XX/XX/XXXX to pay per this letter and have been told that the offer was voided/cancelled due to non-payment as of the XXXX of this month. None of the agents that I spoke to have access to the letter which shows the date of XX/XX/XXXX and are refusing to honor their own written agreement. I have asked for a return call from a supervisor 2x today and have not gotten a call. I am asking for Synchrony to honor their written agreement so that I can settle this once and for all. Dealing with Synchrony has been a nightmare, they do not follow through with anything they say and fail to honor their own contracts. All I want is to have this settled.

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Paid {$1900.00} on XX/XX/XXXXto Goldman Sachs / Apple. They take 10 business days to post a payment even after the payment has cleared the account. They will report incorrect information to the credit bureaus due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Family of XXXX, XXXX phones and XXXX Emails hacked and controlled on XX/XX/XXXX. 
About XXXX XXXX we started receiving texts from XXXX that our phone service was being shifted. to another carrier. Indeed, our phone numbers were ported and killed at XXXX. Then our email addresses were hacked, and thus we lost control of our XXXX and PayPal accounts.

Then began several hours of notifications that our funds were being moved, requested, from banks and credit cards.

WE froze our bank account, and killed our credit cards.

So no money was actually taken, it just appeared to shift between our 3 family PayPal accounts. But all our money remained where it should be, since we interrupted the supply!!

HOWEVER, PayPal has a policy that credit card use with them requires a fee! So even though no funds were moved, and PayPal was VERY unhelpful, and unapproachable during this event, they levied a charge just as if credit card funds HAD be used. 
We have emailed, called, responded to emails, had our case elevated, escalated several times, no one acknowledges understanding. Then we received a collection letter from XXXX, XXXX on behalf of PayPal for {$75.00} on XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations.

How did you verify these inaccurate accounts?

Did you talk to the court and if you did who did you talk with at the court?

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
This is NOT my debt. The original creditor is listed as XXXX for {$250.00}. My comcast account has been paid timely for the past 22 plus years at my current address. Credit Management LP ( CMLP ) filed a collection with all 3 credit reporting bureaus. They submitted one on XXXX on XX/XX/XXXX. I disputed the debt the same day on XXXX and found the collection on all 3 agencies. I disputed the debt on all 3 agencies immediately. I mailed CMLP a certified letter on XX/XX/XXXX requesting that they cease the collection and that they should mail any documentation to me they feel proves the debt is mine to me. I have not received a response to the certified letter as of yet. I have not received the return receipt. CMLP has proceeded to flag my report again on XX/XX/XXXX for collections for the SAME debt. Their action has caused my credit score to drop by 100 points. This has reduced my credit rating from exceptional to good. I have no knowledge of ever speaking with them by phone and they have never contacted me by mail as required when collecting a debt. I will only communicate with them via the US Mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On or about XXXX XX/XX/2020, I filed a CFPB complaint # XXXX against HSBC Bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was trying to open " No borders checking account '' at HSBC online with a promotion. I got a lot of tough time. Twice my application was rejected. I reached out to the customer service via chat - got different reasons every time ( essentially which means nobody knows the truth or telling the truth ). Each chat was for 45 minutes each. Finally i was asked to give a call to the online account opening team at XXXX. I called them at around XXXX XXXX  and talked to XXXX. She also trying to transfer me to somebody else - phone banking. Nobody at HSBC knows what they are talking about and simply not helping the customer. This bank should be asked to close out it's operation and go out of USA. It is not allowing US citizens to open the account. Application declined Application ID : XXXX Application declined Application ID : XXXX In the past - this online application was stating that i am not eligible for this offer. Both the chat persons confirmed this. Some or the other way HSBC causes issues for the customers.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - HSBC blamed XXXX XXXX XXXX for this issue. I created another CFPB complaint against XXXX ( # XXXX ). XXXX responded that they couldn't find any such things what HSBC is talking about.

On what basis HSBC stated all that - was it some cover up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with XXXX, I was placed on hold when she returned her reply was with instructions to email her XXXX with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the XXXX we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: MD

Complaint narrative:
My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.

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 2021-02-25 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: OH

Complaint narrative:
This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.

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 2021-02-25 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: IA

Complaint narrative:
This is the 10th CFPB complaint, Equifax refuses to take anything seriously, and instead of removing accounts that are not mine, they add an additional account to my credit report that is not mine. Equifax is intentionally adding accounts or addresses that are not mine. I'm filing a federal lawsuit on XX/XX/21, this is the last time I'm trying to resolve this out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK
State: CA

Complaint narrative:
To whom it may concern, I am submitting this complaint to Consumer Financial Bureau because Discover failed to acknowledge and abide the federal law 15 US Code 1692c. ( c ) ( 2 ) Cease and Desist communications.

I sent this letter by certified mail on XXXX. Please refer to the exhibit 1a. On XXXX XXXX XXXX a letter was typed by me indicating to Discover that they had not stopped communication with me as originally requested and they were in violation of federal law 15 US Code 1692. On XX/XX/XXXX I drafted an affidavit of truth outlining the various violations and that of the federal law of 1692 and sent a letter and affidavit of truth on XX/XX/XXXX via priority mail see exhibit 1b. I am enclosing copies of over 13 violations or 16 in total of 15 USC 1692. Discover is in complete control of their internal IT department and it makes no sense, rhyme or reason why they could not obey Federal Law and cease communications as requested. So, I am requesting that Consumer Financial Bureau Protection agency enforce the laws and my consumer rights for these violations that have occurred. See exhibits A-U. 
Aslo, there is a violation of 1605a Finance Charge : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

In 15 US Code 1605 ( a ) ( 1 ) Finance charge : Congress does not state that a late fee is part of finance. Actually the sum of all fees directly and indirectly have already been included in any consumer credit transaction so lates are not included in the law passed by Congress on behalf of consumers. 



Thank you in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?

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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
My homeowners insurance was not paid by my escrow reserve account which is owned and administered by LOANCARE/XXXX. In conversations with LOANCARE/XXXX employees over the past couple of days. I learned that these companies did not do due diligence in paying my homeowners insurance for the mortgage of my family 's home despite having agreed to do so since agreeing to manage my mortgage and escrow account. The actions or inactions of either LOANCARE/XXXX  has resulted in the cancelation of my homeowners Insurance policy by XXXX XXXX. The truth of this situation was discovered by sheer accident not by the company but rather due to mortgage refinance that I initiated. In talking to employees at both LOANCARE/XXXX and XXXX I have been given contradictory information why and how this error occurred.

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 2021-02-25 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: DISCOVER BANK
State: VA

Complaint narrative:
I've submitted several credit dispute with the the 3 major credit reporting agency and the negative information is still showing on my credit report. I've even ask for proof and sent in proofs of where I was living at the time the account were open in my name. They have the proof that these account do not belong to me but the continue to bully and harassment me into paying for something that isn't mine.This information is still on my credit reports. I would like to have these negative errors remove stating with XXXX, discover card. I didn't open these account up in my name I just became aware of these account in 2019. So again thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Experian ( Tracking # XXXX ) and it was received on XX/XX/2021. 36 days have passed and I haven't received any response from Experian. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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