vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: NC

Complaint narrative:
I have paid {$73000.00} to XXXX through ACSI and this student loan payment ( and related wage garnishment ) should be complete. However, XXXX and ACSI has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). ACSI has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has not only doubled related the already paid {$73000.00}, but on XX/XX/XXXX ACSI sent a second order to garnish wages for an unknown new amount of {$16000.00}. ACSI has lost paperwork, misapplied payments, added surprise late fees and also ignored the delayed processing of payments from the original lender XXXX. The original Doc ID - XXXX payments were completed in XX/XX/XXXX with a final payment of {$920.00}. And then a year later, an unknown additional amount was filed with my employer with no supporting evidence. I believe ACSI is attempting fraud related to the new Doc ID - XXXX as I have already paid off my student loan. This is a new complaint that correlates to an older complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion illegally displaying innacurrate employer on credit report. I do not and have never worked for 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 2021-02-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted four disputes to the reporting agency since XX/XX/2020 and three complaints with the CFPB regarding the investigation practices of the agency. I have requested " method of verification '', supporting documents, names, contact numbers, dates, and misc. information related to how their investigation was conducted. The agency has made numerous violations of my CRA rights, metro 2 compliance, and including denying that I am a customer during my 3-previous cfpb complaints I request that Experian be investigated for negligence, willful misconduct, and violation of CRA process and procedure.

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 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
i sent a debt validation letter 2 times on XXXX XXXX and each time this company ( merchants credit guide ) XXXX XXXX XXXX XXXX # XXXX XXXX illinois XXXX has failed to validate my debt. instead they sent me a list of my medical records which i know is a direct violation of HIPPA regulations. Never signed a HIPPA form authorizing them to have it to have access to this information. please delete this information from my credit file cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX we make a payment of ( XXXX $ ) from XXXX through ( XXXX XXXX XXXX XXXX. ) bank and the sender reference is ( XXXX ) to XXXX to ( XXXX XXXX ) On XX/XX/XXXX the payment was returned to the correspondent bank under reference ( XXXX ) but at that time our bank account at XXXX XXXX XXXX was closed so we couldn't receive the payment and we asked the XXXX XXXX to recover the payment and they respond they can not do such thing, And we also asked the XXXX XXXX to provide a return swift to track it they said they couldn't provide the swift too ... 
And yet we did not get our refund and did not get any corporation from both side XXXX XXXX and XXXX XXXX XXXX, I need your help to get the return swift and to know where is my refund and what we could do to receive it while our bank account is closed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: NC

Complaint narrative:
in response to Equifax, please see attached documents, in reference to me being a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have an account with coinbase. I had money ready to be withdrawn to my debit card. According to coinbase if you decide to get the Amount on your debit card it is sent there instantly. This was completed on XX/XX/XXXX. It is now XX/XX/XXXX and I still do not have it available in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Hi I am very overwhelmed.. I am being XXXX.. i have been called a XXXX I have been ask over and over again for the personal information over the phone plenty of times.. I have responded to them and I had told them several of times about my accounts banks cards loans and so on with my credit..today I reported a card stollen I got XXXX $ taken away from my net spend card it was my rent money they over drafted 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 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
Medical bills was paid. Not bankruptcy

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 2021-02-04 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: MA

Complaint narrative:
I have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have made several disputes to Experian about an account that they are reporting wrong they account was charged off now its reporting as an open account. I also sent proof of my claim and they still refused to correct the errors. Now to the date of this complaint the account has been Re-aged but they say it accurate how if there has been no agreements or payments made on the account? How can they all have different ( dola ) dates Date of Last activity but all be accurate for the same account theres only one account.

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 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I financed a car with XXXX XXXX for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX Equifax, XXXX XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXXXXXX XXXX XXXX, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have no record of this account that ever belonged to me with this collectors/creditors. I've asked multiple times to send me proofs of ownership but they don't complied to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, you can not prove any of the information mentioned in the past credit report that I contested with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my checking account sometime in XX/XX/XXXX. There was a remaining balance of some $ XXXX in the account. When I called to close the account I was assured this amount would be mailed to me by check. I asked the representative to please confirm the mailing address that the check would be sent to, as the mailing address ( PO Box ) is different from the physical address on my account. No check. 

I called Citi again in XX/XX/XXXX, and was told the check was returned to them as undeliverable. Citi mailed the check to my physical address ( which doesn't accept mail ). I explained that I told the first agent this exact thing the first time and was assured it would be sent to the correct place. This new agent told me that the mailing address on my account was my physical address. I explained this was wrong ( and an error on their side ), because my debit card and PIN when I opened the account were correctly delivered to my mailing address, and I double-checked with the first agent anyway! This agent relented, and again assured me it would be sent out to my mailing address. No check. 

I called Citi again in XX/XX/XXXX, and was again assured by the agent that he would take personal responsibility that it was resolved and sent to my mailing address. No check. 

All of this information is in their call logs and notes on my account, and each agent could see the issue and that I had called before and the check wasn't delivered. 

It is now XXXX XXXX, and I'm done. I want my $ XXXX. I want them to mail it to my mailing address, or hand deliver it, I don't care. Please help! Thank you!

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 2021-02-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this with the ( Equifax, XXXX, XXXX ) They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright upholding the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraud for {$70.00} on XX/XX/20, {$100.00} on XX/XX/20 and {$100.00} for XXXX are all Fraud wrongfully denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Worth Finance Corporation
State: TX

Complaint narrative:
Covid has been really tough and I no longer have an income as well. Our house only gets two monthly checks, once a month from both SS and VA. They are not huge checks at all. My mother got the loan and cashed the check. It's basically one of those companies that send you a real check and they go from there. The company I am talking about is Worth Finance in XXXX, TX. Not only are they calling the house, which they never had the house number, but they found my mother 's cell, which is always off unless we leave the home. She was really confused and it turns out, they admitted that they did an extensive family search to find all of our numbers. I have only given them my cell because my mother doesn't understand when folks use specific wording. Therefore, I handle everything. I get upwards of almost 10 calls a day and several voice messages. It's gotten to the point to where we have no idea what to do.

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 2021-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im trying to get a derogatory mark off my credit report because XXXX did not listen to my claim that someone was using my identity to open XXXX accounts. The opened accounts are now in collection and has affected my credit score. I have allay filled a police report and they still did not do anything about it. They just care about opening accounts. 

Credit reporting companies are not helpful and I can not get a hold of them to fix it. 

Im also unable to contact the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 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: MA

Complaint narrative:
I have sent in three different dispute letters in regards to unidentified accounts. These dispute letters were dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have spent money printing the letters, getting them notarized and having them mailed priority. The creditors or bureau has not sent me any documentation with proof that these accounts were correct. I have spent too much time in regards to the matter.

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 2021-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a small landlord and occupy one of the units in my 5-unit building in XXXX XXXX CA. My day job is XXXX XXXX XXXXXXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Ma'am, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The first inquiry in question was apparently made by XXXX on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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