vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My Belk credit card which I have used in frequently over the years now has a balance of {$1600.00} I opted for paperless billing I also opted for auto pay each month. When I call the company to find out why my bill was {$1600.00} I was told I needed to be transferred to another department or call another number that belong to a company called Card Services. I contacted someone at that number and spoke to a person that told me I was being billed every month for a service that I did not know about nor did I agree to apparently this occurred in XXXX. When I explained the situation to the representative and told her I was not aware of this service and did not agree to it she was able to extend a credit to my account of {$300.00}. When I told her there was no way I was going to pay for something I was not aware of according to the company that was billing me on my bill credit card this service included some sort of reimbursement if you should become unemployed. I became unemployed in XXXX if I was aware of this service I certainly would have looked into it and possibly used it. The representative I spoke to told me that was the highest amount she was allowed to credit me in order for me to get reimbursed for the other charges my keys would have to be escalated and sent to an escalation team. I was informed that someone would be in touch with me within seven days which did not happen. I also informed the representative that the charges needed to stop in mediately This was in XX/XX/XXXX I have called several times every month trying to speak to someone and was promised someone will get back to me. I am a senior citizen living on a fixed income at this time I can not pay these charges that I did not know about nor did I ask for I dont know how to proceed at this point. I am requesting guidance or suggestions on how to proceed to resolve this this will ruin my credit because I can not continue to pay. 
I have never spoken to anyone at Card Services regarding this supposed benefit.

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 monetary relief
Consumer complaint received 2021-04-08 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: NJ

Complaint narrative:
I am writing because there is a fraudulent account reporting on my credit. My information was exposed in the Equifax data breach. As per section 605-b of the FCRA, this account was must be blocked and removed from my credit report within 4 business days of receipt of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has never provided an online credit report to me. The questions provided about my credit usage to confirm my identity do not apply TO ME. Then I have to call them or mail a request. Totally unsatisfactory. This leads me to believe they have bad information or contaminated information about my credit. Please refer to the many many comments all about the lack of response from Equifax to fix their system to provide what is required by law. Please MAKE EQUIFAX FIX THEIR SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
On XXXX opened a XXXX XXXX account serviced by Citibank which offered a {$50.00} promotional credit. I was immediately approved and used the account information provided to purchase a lawnmower and accessories totaling {$570.00}. I have called Citibank twice asking why the promotional credit hasnt been applied and have just received my first statement showing full purchase amount of {$570.00}. 

I was advised twice that the promotional credit could take up to two billing cycles. So my options are to pay balance in full and then have a credit balance of {$50.00} if they actually apply the provisional credit eventually, or pay balance less {$50.00} and incur interest. This seems deceitful. 

Im sure Im not the only customer this is happening 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 monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
My account on Coinbase was hacked. Hacker sold my XXXX and trasferred all the funds via XXXX transfer to 11 different accounts. As soon as I discovered the unauthorized access, I called Coinbase. Their phone number only allows me to lock my account which I did. After 3 days they unlocked my account and I found that all the funds were gone. I opened a case with Coinbase. After about 3 weeks of investigation, I was given tips on how to secure my account and a statement that read " all transactions are irreversible but we will comply with all investigations ''. This hack happened because the company was unable to protect my information and was prone to attacks that allowed unauthorized activity. I already had 2 factor authentication however the hacker somehow as able to bypass that. Also, while coinbase requires XXXX for login, they do not require it or send any communication to the account holder when new accounts are attached to the account or go any sort of due diligence process to assure the legitimacy of the accounts added.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I had a balance of {$15000.00} with XXXXXXXX XXXX XXXX This debt was transferred over to Capital Management Services in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in XXXX installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. 
See attached agreement letter and first payment deducted from my bank. 
They deducted the first installment. Mid agreement they sent this debt back to XXXXXXXX XXXX XXXX. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact XXXX, when I contacted XXXX they gave me the runaround and told me the account was with Capital Management. I had no other choice but to mail XXXX the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with Capital Management, yet they still claimed I had an open balance minus the difference of the 3 payments made.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Controlled Credit Corporation
State: OH

Complaint narrative:
On XX/XX/2021 I received mail from a debt collection company named Controlled Credit Corporation claiming I owe {$1100.00} to XXXX XXXX claiming this is the second letter they have sent. As of current I owe {$0.00} to XXXX and my account with the hospital is in good standing and has been in good standing with {$0.00} balance for two years. I have never received any correspondence from Controlled Credit Corporation on till today XX/XX/2021. I have called XXXX XXXX to verify if I have any outstanding debt and they said I did not and havent any idea who this debt collection company is. I do not owe any money to XXXX XXXX and this assumption I owe this money is fraudulent. This company is trying to collect money from me that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I recently sent a letter to Ad Astra making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
Fox Collections company only sent and/or provided documentation for the credit debt in the amount of {$350.00}. I NEVER received any correspondence for the 2nd account that is listed on my credit file. There has never been a verified copy of my signature sent for either one of these accounts, and I want them removed immediately. Providing a list of the procedures completed is not verifying that I gave any permission or that this medical information belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
CompNy harassing me for years About about a legit reversal on a rental scam Situation I was granted money back from all banks to to a breach of contract where they let mutuel tenants live who were not on contract and put me in a bad situation, I have proof of emails from company who leased property And bank took too long to contact me while moving to ask for documents, I had closed account with XXXX balance and months later was harassed about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX I call to advised Transworld Systems Inc. that the debt they're attempting to collect on behalf of the reference Creditor 's Account # XXXX from the facility XXXX XXXX XXXX XXXX XXXX was settled and cleared in a letter dating XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX stating : " This letter is being sent to notify you that a charity write off has been applied to the account listed on this letter. The account is now considered closed. '' Transworld on the XX/XX/XXXX phone called referenced another medical company " XXXX XXXX '' unbeknownst to me and not found nor referenced on the debt collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I reached out to all three credit companies asking them to verify 2 accounts that I had listed on my credit report and they have yet to get back to me and it's been over 30 days. I sent my corresponded my mail and gave them more then another time to receive my letter and respond back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I have had numerous instances of 3 to 5 calls a day the only info that comes up on my phone is their phone number ( XXXX ) XXXX. There is no corporate identification and they NEVER leave a message..NEVER ... But Nissan is quick to report me to the credit agencies ... I believe that they want me to be late so that they can collect the {$5.00} late fee ... I was called today ( XXXX ) and the service agent that called did not see that I had paid the late balance and they tried to get me to pay again. 
These people are inefficient, immoral and possibly illegal in their business practices. 
They must change how they collect past due amounts. And, I am set up for electronic statements and here again, I NEVER get a monthly statement from this company. 
For my benefit and for the benefit of all of the people who have been hurt by the eventual report to the credit agencies, please make them change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO

Complaint narrative:
HSBC sent an incorrect 1099-C early in XXXX showing I owed monies on a credit card that was discharged in bankruptcy XX/XX/XXXX. They admitted their error on a letter dated XX/XX/XXXX. Next, they sent an updated 1099-C reflecting a {$0.00} balance but used codes D and G as the reasoning for box 6. They stated that on the letter dated XX/XX/XXXX. They deny sending the form with D but I have it in my possession. The letter dated XX/XX/XXXX states that G in box 6 is within IRS guidelines. 

1. State where you obtained this information from as you did not discontinue collections, the reason the debt is protected from being counted as income was due to my aforementioned bankruptcy. 
2. Next, I do not appreciate the tone of this letter, " and will not be changed further. '' You broke the law twice, once by sending me to an outside collections company and two by sending me a 1099-C. If I would have been stupid and filed that I would have been liable for additional taxes on income I did not have to report. 
3. This is my final demand for {$2000.00} in compensation or I'm going to pursue this with an attorney and go to social media with all of the proof of how you handle your business. I have given you more than enough attempts to remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I have tried contacting XXXX XXXX Student loans regarding my account with them and have not been able to get ahold of anyone. I am trying to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: IL

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My mortgage is being 1. reported as late post COVID-19 modification and 2. is reporting the incorrect amount of being late.

After signing and notarizing the modification agreement I scheduled two auto drafts ( TOO BE TIMELY! ) in the amounts of {$1300.00} on XX/XX/2021 for XX/XX/XXXX and XX/XX/XXXX. This was done by a Quicken employee mind you. 

Quicken ran an escrow analysis on XX/XX/2021 after those auto drafts were scheduled. The escrow analysis showed a shortage of $ XXXX monthly. The auto drafts were taken and come XX/XX/XXXX after setting up continuous auto drafts myself the payment was cancelled due to being behind. After noticing on my account no payment was taken I called to learn that I was delinquent. 

The affected auto drafts were not cancelled. The attempts to reach me were automated calls like every scam call. Their system was never updated with my current residence even after informing them that I do not occupy the home concerning this mortgage. 

Im being reported delinquent on the full amount of {$1500.00} even though its an escrow issue that affected no party. Now my credit suffers over incompetence from Quicken and I perceive this to be an anti-competitive tactic that affects a borrowers ability to refinance the loan in a highly competitive market. 

The delinquency is inaccurate and unjust. The amount delinquent is also falsely reported and this is a result of post modification underhanded tactics to prevent Quicken from losing business/interest income. I cant even IRRRL my loan by VA guidelines now. Im not only a veteran, former employee of the XXXX, but Im also a mortgage underwriter. 

This is a level shady tactics on par with XXXX that spawned the CFPB. Please investigate and admonish such dealing by unsavory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I recently sent a letter to Ad Astra making them aware of affidavit filed through XXXX on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TN

Complaint narrative:
I mailed a letter requesting an investigation about questionable accounts on my credit report. I received investigation results saying that the account was accurate so I decided to follow up with the creditor. The creditor sent me a letter saying that they could not locate the account. I then mailed your company back and forwarded this information to you asking for a deletion because they couldn't have verified it if the creditor can't locate the account. However, it has been almost 4 months and this account still remains on 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 2021-04-08 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: CA

Complaint narrative:
I previously disputed a tradeline held by the collection agency XXXX for the creditor XXXX/XXXX in the amount of {$300.00} on my Experian report on XX/XX/XXXX. On or around XX/XX/XXXX the results were completed and the tradeline was properly removed as inaccurate credit reporting. On XX/XX/XXXX, the XXXX/XXXX  account was transferred to XXXX XXXX XXXX who reported the same XXXX/XXXX  collection account for {$300.00} on my Experian report, which I disputed. However, Experian refused to remove the same tradeline after the dispute was completed on XX/XX/XXXX. Pursuant to XXXX U.S.C. XXXX of the FCRA, Experian is required to immediately remove the tradeline or face civil liability for willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This company just reported four accounts on my credit file. I was never given the opportunity to dispute the information as it is false. This is not right at all what they do to consumers. 

Paramount Recovery Systems XXXX {$320.00} XXXX {$780.00} XXXX {$1800.00} XXXX {$560.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I recently sent a letter to National Credit Afjusters making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.

Company response to consumer: Closed with explanation