vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-01-05 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: NY

Complaint narrative:
I am a victim of identity theft

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 2021-01-05 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
ERC trying collect {$630.00} for an account with them I never made business with them, never signed an contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AL

Complaint narrative:
I was suppose to receive my unemployment from Pennsylvania months ago. I have been going threw XXXX just to receive my funds from them after the unemployment office released my funds. They have all my information Including my up to date address and email. Since covid me and my family have been struggling and trying to not be evicted, I have almost XXXX dollars in my account for the relia card company, and they will not release my card or my funds. And I sent all my verification over 3 times. Please help me receive what is due 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 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app has been hacked numerous times now including my stimulus money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, Inc. sent me a letter dated XX/XX/2020, stating that they were setting up an escrow account for insurance and/or taxes. They did not specify what the impound account is for, but the amount is consistent with homeowner 's insurance. I contacted them twice by U.S. mail and included documents proving that my payments for insurance and taxes are current. They have not responded, and they continue to bill me for an extra {$59.00} per month for their escrow account, even though they assured my XXXX insurance agent that they do not have an escrow account attached to my mortgage. I tried to pay my monthly mortgage payment on the Select Portfolio website today, but I can not do so without paying that extra {$59.00} for their unlawful escrow account. Select Portfolio has repeatedly tried to foreclose on my home in the past 5 years by falsely claiming that I did not make my monthly payments, and I have proof that I did make those payments. Now they are billing me for an escrow account to which they are not entitled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I purchased furniture from XXXX XXXX through the finance company XXXX XXXX. However, on XX/XX/2020 I called XXXX XXXX Manager of XX/XX/XXXX ) and informed him that I wanted to cancel the furniture that was supposed to be delivered on XX/XX/2020 because I found furniture somewhere else. XXXX then informed that he had canceled it and sent an email to XX/XX/XXXX I asked him to cc me on the email and never did. I realized in XXXX that easy pay sent me a bill. I immediately called XX/XX/XXXX and XXXX XXXX as well as placed them on a three-way call. XXXX said he sent an email and was sending another email right then. XXXX XXXX  said they paid fXX/XX/XXXX the full amount for the furniture and wanted their money back. XXXX informed all of us he emails them to cancel furniture. I called XXXX XXXX and XXXXXX/XX/XXXX every month and XXXX told me that they sent email, however easy pay said they never received confirmation. I then went to the XXXX XXXX located in XXXX in XXXX of XX/XX/XXXX and they were very rude and threatened me. I have the recording of the whole incident. I asked them to please send XX/XX/XXXX and email and call them to say that I never received this furniture. XXXX at XXXX XXXX informed me he could not do anything about it. No documents can show that the furniture was delivered to my home and I signed for it. With all business activity it will show when I received and signed for this furniture. Therefore, if not proven the furniture was deliver to me, then I should not be held accountable. Now, this is still on my credit as a debt collection. XX/XX/XXXX is saying they can not do anything until they get their money from XXXX XXXX. XXXX XXXX has lied to me several times about taking care of this and they never did. In my hypothesis, XXXX XXXX paid XXXX XXXX for the furniture and XXXX XXXX took the money and never paid them back. XXXX and XXXX have informed me that they could not find the file and the contract withXX/XX/XXXX contract null and void. Please HELP, this is very unethical for a company to do fraud and place this on my credit and I never received this furniture. I am not sure which company is wrong or right, but I feel both are wrong in my eyes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have been in contact with Medical Data Systems ( collection company for XXXX XXXX in XXXX GA XXXX on several occasions about them incorrectly reporting {$150.00} to the credit bureaus, and they do not rectify the issue. I also have contacted the credit bureaus, however, this company continues to erroneously report/add this account on my credit report. The amount of {$150.00} was covered ( in a contractual rate amount XXXX by my health insurance, however, Medial Data System does not remove the debt from my credit report ( s ). XXXX  removed it when I first appealed, but when I appealed with the other credit company 's, and Medical Data system did not correct the account info, XXXX  re-added it to my report. This company and the hospital do not reply to my many requests and I have faxed proof of my insurance payment. They are negligent to fair credit act responsibilities. I feel like there is no one to help consumers from this company.

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 2021-01-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a dispute with Bank of America on a transaction I was forced to take with a home appraisal and wasnt given any time to check the work only to find out nothing was done. The Bank of America took a statement from the appraisal that had nothing to do with the transaction and closed the dispute. No reasonable investigation occurred. The transaction was to force the seller to fix the sink ( no leaks or functional issues were present before or after ) then charge me for reinspection. Come to find out they charge me XXXX and nothing was fixed. Not a quality issues. Services were never rendered. When asked to reopened the investigation, they said they would but never did. When I told them I had proof nothing was fixed they said they wont receive it.

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 2021-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC
State: VA

Complaint narrative:
The loan was taken from Omni financial of Nevada, in which they have given the debt to a company named XXXX XXXX  XXXX XXXX. I spoke with a lady name XXXX XXXX on XX/XX/XXXX, she " stated '' that she has to put a request in for the manager to contact Omni in order for them to send me any statements or a copy of the contract. I was able to get their address which is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I did follow up on XX/XX/XXXX regarding if they were able to send me the statements and Omni told them " that they are not going to send out any documentation due to me being stationed in Hawaii because it was a personal loan through the Hawaii internet lending '' and they gave XXXX XXXX a " verbal '' of why I owe the money with no documentation. The total amount is {$8000.00}, and the account went into collections in XX/XX/XXXX. XXXX XXXX received the account with a balance of {$4800.00} and they are charging me {$3100.00} in interest and Omni is only willing to settle for {$6000.00}. 

As of today, XXXX  has the loan reported as a note loan that was closed on XX/XX/XXXX, and has been charged off since XX/XX/XXXX. The original balance of the loan which XXXX  has reported as of XX/XX/XXXX was {$3300.00} with a past due amount of {$8500.00} with an interest rate of 33 % I believe. I have spoken with a Jag attorney ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) he has requested me to submit a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XXXX XXXX LVNV FUNDING added a derogatory mark on my credit report. Upon further investigation, this account was sold and I am not responsible for it. LVNV FUNDING did not verify this collection. Also, after requesting validation there was no written form of communication, contract or signature for this accused debt. A bill without a signature does not validate a debt. Anybody can send a bill without a written signature and say it's mine. According to the FCRA they violated my rights as a consumer and I am requesting legal action to have this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Consolidated Recovery Group, LLC
State: FL

Complaint narrative:
I had a merchant account with XXXX  XXXX, the customer requested refund and the money was deducted from my bank and account and refunded to the customer, I have the bank statement to prove this when i contacted XXXX  they told me they sold this debut to a collection agency consolidated recovery GRP, I have contacted you guys about this before and it was remove from all the 3 credit burau, now this company CONSOLIDATED RCVY GRP ACCOUNT XXXX PLACE IT BACK ON MY XXXX  ACCOUNT i contacted them and have also send them copy of my bank statement and they have not respond to me, that about 30days ago, i also contact XXXX  XXXX and send them a copy of my bank statement and pointed out that this was already remove from XXXX before also and they also did nothing I DO NOT KNOW WHAT TO DO NOW PLEASE HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: Receivables Management Partners, LLC
State: IL

Complaint narrative:
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from RMP SRVC LLC and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I contacted RMP SRVC LLC on XXXX XXXX and the account was not removed however it was only updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated again.

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 2021-01-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disturbed that you continue to list the dismissed bankruptcies as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

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 2021-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In XXXX of XXXX I was diagnosed with XXXX and immediately began treatment. The XXXX was hard on me mentally and physically. Then on XX/XX/XXXX, I lost my mom to XXXX and 9 members of my family contracted it as well. It was a horrific time for us. I contacted Synchrony Bank d/b/a, Sam 's Club, Care Credit, XXXX and Lowes. Most of these cards I have had as far back as XXXX and XXXX with no issues whatsoever. 
With all I was experiencing I contacted them because I forgot to pay them ONCE and when I discovered it, I contacted them less than 30 days later and began catching up.They began reducing my credit amounts from {$5000.00} to {$1300.00} and {$1200.00} and demanding more money. For instance, my Care Credit limit was {$7000.00} in XXXX. It is now {$1300.00} and the minimum amount due is {$120.00}. Same thing with Sam 's Club. This has made me look like an irresponsible consumer. I have been harassed through text messages and phone calls. I have received letters saying that I asked for a credit decrease and did not. 
My background in financial planning teaches me to never owe more than a 3rd.

Sam 's had a very rude and insensitive lady contact me after my 1st complaint ( erroneously mentioned ) who said they have the right to protect themselves. I advised her I felt their actions were intended to harm me and I informed them of my health crisis and my bereavement. She said I could reapply. I have several conflicting messages and contacts from them. Several times I was told to give everyone the same story and all would be restored. It got worse! Little by little since last year, they have been reducing my accounts and harming my credit even though my income has increased and I have consistently been in touch. I feel very harassed, have not been able to refinance because my score went from high 700 's to low 600 's. I am wearing with fighting them. 
Please help! 
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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While I was checking the status of my stimulus check on the IRS website, the information provided was saying that the check was deposited to a bank account ending in XXXX which I did not recognize ( my bank account ends in XXXX ). 

After checking all my financial accounts ( including credit card accounts ) i realized that I am a victim of fraud since the account opened under my name doesn't belong to me hence I don't know what illegal activities it is used for in addition to the fact that I will not be getting my stimulus check since he IRS sent it to this account under the impression that it is myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My mortgage account was in forebearance due to covid19 since XX/XX/2020. Back in XXXX we contacted our mortgage company and advised them that we were ready to continue making payments ; however, the online payment system would not allow us to make payments and when we contacted US Bank we were then informed by a representative that we needed to apply for a partial claim and submit the signed documents they would be providing. On XX/XX/2020 we received the first package and we signed them, got them notarized and sent them back. Since XXXX, we have alredy submitted six signed packages because every package gets denied with a new reason that was not previously stated. It seems that US Bank is deliberately denying our partial claim documents and is not accepting our payments. The packages have been denied because first we were told that the notary did not property print their name, then that the package was not received on a timenly manner when we have the tracking numbers showing when the documents were received. Then we were told that our case had been closed and we had to reapply which we did again. Then we were told that our signatures were not legible and we needed to print our names. Then we were told that the notary stamp was overlapping and lastly today we were told that our signatures didn't match the printed name. I have called Headquartes, spoken to superviors and send emails and no one is looking into our accounts and time is going by and our account is in default. US Bank accepted two payments for XXXX and XXXX while the documents got accepted. Since the documents keept being rejected US Bank is no longer accepting our mortgage payments until they get accepted. As previously mentioned, all we want to be continue making our mortgage payments and no longer be in default. I don't know where else to turn to when we keep following their instructions and yet, they continue to reject our documents. So far our experience with US Bank has been a roller coaster ride and we need help.

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