vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: Local Management, LLC
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: World Acceptance Corporation
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks dated on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Received a notice in the mail from " Complete Payment Recovery Services, INC '' stating that an electronic payment in the amount of {$4.00} was returned unpaid and has been referred to Complete Payment Recovery Services for collection. I've never heard of this organization. The letter was addressed to " XXXX XXXX '' with 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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OK

Complaint narrative:
Sunrise Credit Services is reporting I owe debt with a XXXXXXXX XXXX for tuition from 2016. I never attended XXXXXXXX XXXX and owe them no money. They have no records to support this debt and are refusing to remove the erroneous collection account from my credit.

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 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
How was this deleted due to violations and multiple inaccuracies and now it's re-inserted.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I paid someone {$400.00} using " pay friends '' feature on the chime banking app. they have the information of the person i need refunded from because she is also a chime member. they told me they cant help me but i paid for something ive never received and i have all proof needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/XXXX Discover Financial was paid balance in full. 
Afterwards, small balance reflected and gained interest and late fees. 
All information of balance, statements, and phone calls went to wrong address. 
In XX/XX/XXXX discovered credit score has decreased consequently.

Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. 
I have attempted to dispute with credit bureaus four times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: AZ

Complaint narrative:
I have a fraudulent account on my credit report that I have never heard of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to send {$800.00} to an account on Cash app that I also own. I have always done this every start of the month for a very long time. This time the cash app was responding as if it didn't go through. I did it 2 more times and again not showing up. I tried to log into that account that I was sending to and it was not only not showing up but we couldn't access the account either. I immediately started to correspond to Cash App and this company is so completely comical ( I don't mean this in a good way ) in how they respond. I could only speak to them through email at this point as they had NO phone number for customer service. Each correspondence would take 24 to 48 hours for them to get back to me. I then could not access the account the money was sent to and the way Cash App works it will not let you out of one screen without creating another account. I have all accounts created with all phone or emails attached to them and no matter how I tried to prove my identity then wouldn't help me. The next customer service rep who did respond after waiting 24-48 hours would start the whole process over asking the same canned responses/questions. 
I finally had over 60 emails that I printed out after 3 weeks and mailed them direct along with a letter to their corporate headquarters in XXXX XXXX. They received it on XX/XX/XXXX and never responded to me. In the meantime, I kept trying my hardest every day to talk with them or fix the situation and they kept up with the same canned responses and never reading the previous correspondences. 
I then filed a complaint with the XXXX last week and then on XX/XX/XXXX they opened up a chat feature on the phone and again same XXXX canned responses and never reading any previous responses and I even offered my credit card info, social security, bank statements etc to prove who I am, at this point I am desperate because I don't know too many people who can live without {$2400.00} dollars and still pay bills. 
Then at about XXXX this morning after another long morning of frustration and me again being in tears I go to my computer and on one of the accounts that I kept looking at but never had shown the money mysteriously shows the {$2400.00}. It cost me {$36.00} to access the money instantly. I wasn't going to allow them to have 1 more day of my money nor do I trust them at all!!! I have been having severe anxiety and stress the entire 5 weeks because they were holding my money hostage and with no human interaction to help me get it back or repair the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
On XX/XX/XXXX, I shipped two envelopes from a local XXXX  store. The total charge ( for two photo envelopes, each sent to different addresses ) came to a total of {$32.00}, per my credit card statement for the month of XXXX. I used a rather unique combination of my name and my partner 's name ( we do not share a last name ) to send the envelopes. 
On XX/XX/XXXX, I received a collection notice from Transworld Systems , Inc dated XX/XX/XXXX, addressed to the same unique combination of my & my partner 's names, stating that we owed a debt of {$1000.00} to XXXX, and that XXXX had turned the debt over to Transworld Systems. At no point prior to this had XXXX  tried to notify me of any outstanding debts, nor was there any indication that there would be any further charges after I paid to ship the envelopes. I am sending a debt validation letter to Transworld Systems today, but I have read that they unlikely to remove the debt ( or will likely just send it back up to XXXX ) without me filing a CFPB complaint, as well. I will also attempt to file a police report later today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my account on XXXX XXXX without calling or sending an email to me ( I logged in the user page after noticing that and there was a letter sent to me ). Since I moved to a new address, I started writing letter to Citibank back office to request resend a closeout check with my remaining balance ( {$11000.00} ). Every month I've been trying to call to request an update on my issue. Every time I called, a representative asked for my phone number and email in order to reach me out later. BUT I didn't receive any update till now. ( XXXX. XXXX ) I have called at least ten times trying to properly request my money back, and I failed. I feel really hopeless and frustrated, is that how company treat costumers?

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 2021-03-04 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 — Investigation took more than 30 days
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have tried to communicate with XXXX credit card and I continuously receive the run around. I called and spoke with a rep on XX/XX/2020 at around XXXX. I had recently closed my account but, someone that account was still reporting. After researching the information XXXX stated that I should have been informed about whatever the payment cycle is and something regarding paying before the due date. I can't remember exactly what he said. So after the discussion of the account the late payments were going to be removed. That has not happened as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I went to purchase a used car from XXXX XXXX on Saturday XX/XX/2021 they told XXXX dollars down and then a couples of hours later they told me XXXX down after I left from the dealership and then told me, I have to bring it by XX/XX/XXXX XXXX or they will take the car back so I said ok. On Monday after the deal from Saturday they ask me bank statements and I gave them that and then Thursday XX/XX/XXXX they called me saying the bank global lending said I fraud check stubs I ask them for the bank name to verify that they told me no and wouldn't tell me who they spoke with. So i requested to speak with XXXX XXXX the sales man the manager told me he quit and no longer works there so I called my mom to get his sale phone number and i called XXXX and he said he didnt quit he is off and coming back to work Friday morning. The manager XXXX kept calling my phone threatening me saying bring back the car and I not getting my deposit back anyway. And that the police is waiting I get there no police is there. My mother came there and he told her I have nothing to say he wouldn't even talk to her or give her my paper and then said my daughter didn't have any paper work on file. These pp. steal pp. money i am XXXX XXXX XXXX and in college to be getting taking advantage. And It is not right and this hurts.

Company response to consumer: Closed with explanation