vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch
State: MN

Complaint narrative:
I was sued by the Second Round Sub. LLC claiming that I own money for XXXX XXXX. I attempted to communicate that I did own the debt and requested to provide me authentification and the contract agreement that bears my signature. However, they asked the court for the judgment and it was granted without showing proof. After I researched I found out that the Second Round Sub , LLC buys a debt consumer do not own or paid off ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
On or about XX/XX/2019 I received a letter from Phoenix Recovery Group, XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX regarding a debt. Within 30 days I faxed a dispute regarding the error, of which Phoenix acknowledges receipt. The frivolous debt stems from a contractor/home investor contract between myself and XXXX XXXX. It is important to know that MsXXXX XXXX terminated my services and hired XXXX XXXX, an unlicensed contractor in XXXX XXXX, TX, which clearly as per XXXX XXXX building code officials will indemnify me and my company from any liability and warranties regarding the said project. Phoenix Recovery Group subsequently reported false information of a debt on my credit profile to the credit bureaus. Additionally, Phoenix Recovery failed to properly execute effective service of any petition for civil suit. Any reporting to of a judgement without properly serving a Defendant ( s ) in Texas is unlawful and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX USAA Confirms credits due me from XX/XX/XXXX NOT MADE TIMELY POSTED XX/XX/XXXX ( 9 ) NINE MONTHS LATER. and NOPE AGAIN USAA, TOTAL PAYMENTS & CREDITS for this period are as statement confirms ( see attatched ) total {$400.00} THAT IS MY PAYMENT OF {$200.00} & REFUND XXXX  {$190.00} 3.15 finance 3.35 finance FOR TOTAL {$400.00}. Previously USAA Ms XXXX confirmed credits for XXXX XXXX cell  phone refund {$190.00} BUT HAS NOW CHANGED. This response can be viewed CFPB on line. AGAIN THERE ARE NO USAA. PERMANET CREDITS FROM XX/XX/XXXX FRAUDS REPORTED XX/XX/XXXX THE ONLY CREDITS ARE FROM MERCHANTS AS WELL AS XX/XX/XXXX. NOPE THERE ARE NO USAA PERMANET CREDITS EVER. AND IF I REPORTED ALL THAT FRAUD AS USAA ALLEGES.??? Why are there NO TEMPORARY CREDITS???? WHY ARE THERE NO PERMANET CREDITS??? XX/XX/XXXX Fraud Letter Documents will be made permanet. No temps to make permanet. USAA STEALS MERCHANT CREDITS. USAA IS NOT ZERO LIABILITY AS ADVERTISED. USAA ISCNOT ADA ACCESSIBLE AS ADVERTISED. I AM STILL HELD LIABLE FOR FRAUD OF XX/XX/XXXX NOT RESOLVED TWO YEARS LATER AND USAA ATTEMPTS TO COLLECT ON WHAT IS NOT OWED. USAA DOES NOT ADHERE TO THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I found about the debt on XX/XX/2020 Via my credit monitoring service. I immediately reached out to the collection agency and original creditor. Upon speaking with the fraud department of the original creditor they verified I never had an account with them. The collection agency credit management also verified they did not have the correct person I notified them I was victim of identity theft last year but they refused to remove the credit entry in my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I called the lawyers to return my refund amount of an estimate of {$300.00} and they have failed to do it. I also stated that they need to remove the credit report in my file and they have also failed to remove it. They have known that this is an identity fraud in my credit file since mid XXXX an estimate of XX/XX/2019 from Discover Credit Card that went to collection and now the XXXX XXXX XXXX has the authority of all the financials. Attorney XXXX and XXXX are the ones I have spoke on the phone and both attorneys have ignored my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
AMEX SERVE CARD WAS USED TO DEPOSIT MY IRS TAX REFUND ( 2019 ) MY TAXES WHERE DEPOSITED ON THIS CARD THROUGH XXXX XXXX I REC'VD MY MONEY AT THE END OF XX/XX/2019 ..ON XXXX XXXX THERE WAS 42 TRANSACTIONS MADE ON THIS ACCOUNT TO A XXXX  OUT OF 3 CITIES IN TEXAS. TOTALING THE AMOUNT OF {$2600.00} OF MY MONEY. I LIVE IN NORTH CAROLINA AND DID NOT MAKE THESE CHARGES. YOU ONLY CAN CONTACT THE CUSTOMER SERVICE DEPT IN THE XXXX  ( BARELY UNDERSTAND THEM ) PER THE AMEX IN THE US YOU HAVE TO TALK TO THEM. BUT THEIR APART OF AMEX ( AMEX TRAVEL, SERVE, ECT ) I  FOLLOWED THE PROCESS PER THE REP I DID EVERYTHING BUT NOW I'M HAVING TO WAIT.. WHAT IS REALLY BOTHERING ME IS THIS HAS HAPPEN TO OTHER PEOPLE IF YOU SEE THE REVIEWS WHICH I COULD ATTACH. THIS HAPPENS ALL THE TIME THEY SAY ITS FRAUD HAVE YOU FOLLOW THE PROCESS AND THEN YOU DON'T GET YOUR MONEY. I CANT LET THIS HAPPEN TO ME ITS SAD NOTHING WAS DONE FOR THE OTHER PEOPLE BUT I WILL FILE COMPLAINTS AND GO TO THE NEWS OR WHATEVER I HAVE TO DO

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
TransUnion has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX  XXXX not mine XXXX  XXXX XXXX not mine US DEPT ED XXXX not mine US DEPT ED *XXXX not mine USD/XXXX XXXX not mine COLLECTIONS 10 XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine XXXX not mine 07 XXXX  XXXX  XXXX  XXXX {$13000.00} not mine 07 XXXX   XXXX  XXXX  XXXX {$77000.00} not mine 01 XXXX  XXXX XXXX XXXX {$1500.00} not mine XXXX XXXX/XXXX   XXXX {$220.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) There were extenuating circumstances surrounding this account. I had XXXX  XXXX XXXX and was incapacitated. I was able to contact a representative with XXXX and set up a payment plan of {$50.00} per month. I was reassured that no late fees would be reported because a payment plan was in place. I never missed a payment and pursuant to our agreement, no lates would be reported. Unfortunately, they did not keep their word and reported the account late regardless. This false reporting is seriously harming my credit score and these lates need to be removed. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I was contacted in regards to a refinance and I accepted the rate and signed in XX/XX/XXXX. I was later contacted and advised that paperwork was being audited and that there was a mistake made by the notary and that it was nothing that I did wrong. Due to the error made Village Capital was offering me a better rate and a lower monthly payment that it would not be due until XX/XX/XXXX. The loan officer set a date and time for the notary to come back out for me to resign the paperwork on XX/XX/XXXX. That date came and passed and the notary did not come as planned, I reached out to the Loan Officer to try to let him know and see if we needed to reschedule and he never responded. I called  and emailed weekly with no response on the status of this refinance, the last time I spoke with my loan officer I asked him if this takes more time than expected would it affect my score or what I should do and I was advised that since I'm in the middle of a refinance I will be fine. I checked my credit report today and noticed that I have a 30 day late payment and no one has returned my calls to let me know what is going on. I have emailed and called several times with no response and no one is telling me anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to XXXX   TransUnion and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. XXXX, TransUnion and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX.  if this account was investigated without belief that it was not and verified, my question is. with what proof???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: OH

Complaint narrative:
Experian has failed to send dispute results and is reporting the following items inaccurately XXXX see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$110.00} not mine XXXX  XXXX/XXXX  XXXX {$380.00} not mine XXXX  XXXX/XXXX  XXXX {$490.00} not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
My complaint is with Advanced Financial 24/7 of XXXX TN. I've been doing business with them for awhile. I've been paying them and recently made a payment on XX/XX/2020. As of our agreement every two weeks and I've been faithful. But here this last couple months it's been nothing but harrassment. It's a constant stream of phone calls starting at XXXX to as late as XXXX every single day at my home, my job, even my wife! I had paid and paid and they still call saying I'm not making payments at all!!! My bank has all the proof that I am paying and Advance says I'm not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
This has to do with Square , Inc AKA CashAP. 

I was sent {$800.00} on Monday, I requested a transfer to my bank account but have not received it. I contacted CashAP via email and no answer. 

I also called by phone and they say they are not available to take phone calls. 

This is nonsense as I need this money to pay court costs. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: AL

Complaint narrative:
XXXX XXXX is inaccurate reporting to my Equifax credit report. The asked in dispute letters agency to remove this account because XXXX closed without any reason because they decided to stop accepting my payment out of my account which was set on auto pay. I reached out to XXXX to get an understanding of what was going on and they gave me no response and close down my account without notice. account is being reported as a charge off showing past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
credit information older than 7 year if neg is suppose to be removed.the account i had with XXXX XXXX XXXX XXXX   was removed from XXXX  and XXXX with in two days the first late pay was XX/XX/XXXX and was supposed to be removed last year. i have filed 4 disputes so far with equifax and the company XXXX XXXX XXXX XXXX keeps changing the dates to XXXX and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX some orders showed up on my XXXX XXXX XXXX XXXX Checking account. These charges originated from XXXX and paypal. I immediately contacted XXXX and XXXX and paypal to report the fraud. XXXX was contacted on XX/XX/XXXX and the temporary credit appeared on XX/XX/XXXX. I was not at home at the time and arrived back home on XX/XX/XXXX. The bulk of the items were delivered on XX/XX/XXXX but were not present when I arrived home on XX/XX/XXXX. I reported this to XXXX and Paypal as well as XXXX. On XX/XX/XXXX the Debit Card Recovery reversal in the amount of {$1900.00} appeared on my XXXX account. I received a letter on XX/XX/XXXX stating that 6 of the seven items that were claimed as fraud were found to be not fraud and one item was found to be fraud. XXXX finally ensured that the affidavit was sent to me as well as supporting documents after the decision on XX/XX/XXXX and XX/XX/XXXX. I was told by the Fraud Claims Department that submitting the affidavit will do nothing to change the decision already made. I also attempted from XX/XX/XXXX onward to contact XXXX and Paypal to settle this matter. Both XXXX and Paypal stated that because the fraud claim was submitted to XXXX for the Debit card fraud that it was impossible to submit claims with their companies. Even though I followed the procedure of the Bank and XXXX and Paypal by reporting this fraud immediately, They continue to deny fraud occurred. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.. I have exhausted all avenues of settlement and desperately need help in settling this matter. Returning the {$1900.00} to my account is the only fair resolution in this matter. I followed the procedure and immediately reported the fraud and yet I am being held responsible for the disappearance of the packages that did not order in the first place. I believe that saving my Debit card Credit card information on XXXX as well as poor security measures is what caused the fraud to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX of 2020 I disputed XXXX XXXX XXXX unverified reporting to Equifax XXXX  and XXXX  credit report. I submitted a letter to XXXX XXXX XXXX to verify this account is mine and received no response from them. Equifax, XXXX  and XXXX  sent me a response letter claiming this account was investigated and verified. how was this account verified with my signature and I received no response from XXXXXXXX XXXX XXXX. if this account was investigated without belief that it was not and verified, my question is. with what proof???

Company response to consumer: Closed with explanation