vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Southwest credit XXXX  is attempting to collect a debt that belongs to a business. I requested a debt verification and all they sent was old invoices but no contract or anything stating it belongs to me. On XX/XX/2021 they reported it to XXXX  causing my credit to decrease. They did not wait for a response and violated my rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: LA

Complaint narrative:
My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as XX/XX/2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.

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 2021-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY
State: PA

Complaint narrative:
Regular monthly payments on this loan are due on the first of each month and typically made on the last day of the prior month. When I send in extra principal amounts between payments, I expect the principal to be applied on the amortization schedule between the payments it is actually sent between. Instead, PHFA suspends and reorders payments so as to increase the amount of interest charged. The amount of the difference is regularly less than the value of the hours of effort required to get this corrected on my individual account, but the Agency should not be allowed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report 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 2021-05-15 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: GA

Complaint narrative:
I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: The Receivable Management Services LLC
State: NV

Complaint narrative:
Two collection accounts are showing on my report for the same debt. It looks as though one bought the debt from the original creditor and then another company purchased the debt and is showing the same account with a different amount from the original creditor. I do not owe this debt as it is for an insurance company and I paid insurance monthly ahead of time. I want both accounts removed from my report. I have disputed the information with the two collection agencies as well as the credit bureaus but it always comes back as validated and I do not believe this to be the case. I also do not see account numbers nor an address to reach the collection agencies on my 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 explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Today, Saturday, XX/XX/2021, I received a mailing from Radius Global Solutions LLC informing me that they were a debt collection company and they wanted me to remit {$38.00} for a debt owed to Creditor : XXXX XXXX  XXXX XXXX XXXX with a Debt Description : XXXX XXXX I have had no dealings with XXXX & XXXX XXXX and I'm certain that I do not have an account with them nor do I owe them the amount Radius Global Solutions LLC has stated. I suspect that the true culprit in this matter is XXXX XXXX XXXX XXXX, not Radius Global Solutions LLC. I intend to telephone Radius Global Solutions LLC in the coming week to discuss and contest this debt, but I wanted to go on record with this complaint because I suspect intended fraud by at least one of the aforementioned parties.

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 2021-05-15 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
After verbal and written requests to validate a debt that Amex continues to claim is mine but has NEVER reported on my credit until they decided to pull my information from personal accounts I held with them, which is also illegal, and then they simply reported it as charged off because they could not validate the debt after MULTIPLE attempts requesting them to do so ; they have failed to verify this debt is mine via the agreement/contract. I have spoken to MANY people at the company and they have all said they would send me proof, but they never have. I have never had an account with Amex ending in XXXX. Furthermore the company is in violation of the FTC 's Fair Debt Collection Process, as they sold this debt to a third party debt collector and then reported this debt to my credit as charged off which is illegal to do once a debt has been sold ; debt was sold to XXXX. This debt needs to be removed from my credit immediately due to their failure to validate this debt after 14 attempts and phone calls requesting them to do so. Their last response to a complaint we filed was completely inappropriate as it failed to meet the requirements of validating a debt under the Fair Credit/Collection Process. They simply attached their card holder agreement terms but never proved that this debt was mine once again. I am prepared to hire an attorney and seek damages for their illegal reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 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: TN

Complaint narrative:
I asked for my credit report from Equifax on XX/XX/2021 they sent out a report with the wrong name spelling of my last name. I have disputed this numbers of times and other incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
Collection agency gc services for XXXX XXXX has an account for me that is fraud. This is the second time XXXX let someone open an account in my name .I disputed the first one and it was removed. I asked them if the could allow a block or note regarding my name in there system so no ine would be able to open another account in my name, and nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is concerning a Simple account that transferred to BBVA. According to the revised account terms, there should be no charges for using an XXXX ATM. However, when checking the card information on the BBVA app, it shows that there are charges for using an XXXX ATM. Account terms are at : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
I checked my balance on my XXXX XXXX  the coins are missing then i checked the trading platform coinbaseXXXX is the name, this is what i found out XXXX transfer id Size Total Qty. 
Balance Withdraw XXXX pm - XX/XX/2021 XXXX XXXX who authorized the withdrawals filed a complaint with XXXX also called XXXX XXXX this is the place i stored the coins

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
In reviewing year-end statements in connection with tax preparation, I notice an inexplicable and excessive number of purchase refunds? especially unusual since I did not return anything for refund or request any refunds at the time. I do not recognize any of the 9 refunds credited from XX/XX/2020 to XX/XX/2020. Why are there so many unauthorized credit transactions during that time? What was going on with the account at Venmo that required these transactions to cover up?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: WA

Complaint narrative:
The following transaction was charged against a debit card I hold from XXXX XXXX on XX/XX/2021 as follows : DEBIT CARD PURCHASE XXXX XXXX NV ( Cash ) - {$100.00} I am informed this card was issued and run by the BNY Mellon bank out of XXXX, Delaware. I filed a complaint via XXXX immediately by telephone as soon as I saw the charge, and they canceled that card and issued me a new one. 

A week or so later I received a response from the Mellon bank as follows : Dear XXXX, This letter is in response to the fraud claim you have submitted to BNY Mellon concerning your XXXX Visa Debit Card. 

You have stated in your fraud claim that unauthroized charges have posted to your Debit Card. We have investigated the claimed charge. Based on this investigation, BNY Mellon has determined that these charges are valid ....

Therefore, BNY Mellon is denying your clain and considers this matter to be resolved.

No monetary reimbursement of the charge will be forthcoming from BNY Mellon.

That amount of money was not insignificant to me ( unlike, say, to BNY Mellon ), as I am retired and live on my Social Security. I called XXXX again towards the end of XXXX, when nothing happened, and have heard nothing since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TN

Complaint narrative:
I have never been treated more shabbily by a firm than by Better Mortgage. I have a great credit score. I have paid every bill I have owed for 40+ years. My net worth is ten times the amount I am attempting to refinance. They spent ten weeks asking for document after document, then rejected my application. It became clear to me that they were not going forward because I had locked in an 1.875 % rate and the market had turned on them. I spent literally hours for nothing. And now the market has turned on me. They have cost me tens of thousands of dollars. There ought to be a way to recover that. Have they broken any laws by refusing a loan to someone just because they will lose money on the transaction?

To whoever reads this-stay away from Better Mortgage. They are not an honest and faithful business. Dont be treated like dirt as I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
On XX/XX/21 two mortgage payments were made I requested one of them be returned to me. They returned both, one was sent back into my checking account one was sent in a paper check to an address I do not live so I did not receive. Another check was issued which I did receive it was cashed and paid right back at this point I made two payments which covered XXXX and XXXX. They keep sending me letters stating I am behind on payments which I am not and refuse to fix this issue. I have sent all bank statements showing payments going out to them and how they seem to be missing one that was made and not applied I do not know what else to do. They sent me a letter saying I am going to lose my home if I dont pay they are also charging me late fees for a balance I do not owe. I have called filed tickets with over 9 people so far no one seems to want to help me.

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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.

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 2021-05-16 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: IL

Complaint narrative:
hi I can't believe you guys are taking advantage of me. I am very upset the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. these are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting ABSOLUTERE account number:XXXX 15 USC 1681 ( a ) you are in violation of my right to privacy and my information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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:
1. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I bought a REFUNDABLE online ticket from XXXX XXXX with the amount of ( {$1700.00} ) when I booked the flight the layover was 3 hours only so I paid based on this fact. Before the flight, I found out that there were some changes in the time schedule. I checked the change and I found out that the layover changed from 3 hours to ( 3 DAYS ) due to the COVID-19 situation. I called the airline and I canceled the ticket and I asked for a full refund. They refused so I opened a dispute ( Apple card ( Goldman Sachs ) ). And I sent all the supporting document they resolved in the merchant favor so I opened another dispute Dispute case number : XXXX on XX/XX/XXXX, and they credit me the ticket amount however, on XX/XX/XXXX, they charged me again so I called to check the resolution they told me they have not reached a decision yet so I asked them why did u charge me then and they were like we are going to escalate it to the manager so I waiting for a week but I have heard back from them so I called again and they told me they will escalate the issue. Up until now, the issue has not been resolved. The claim no. is XXXX.

Company response to consumer: Closed with explanation