vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
FBCS keeps calling daily, sometimes multiple times a day. 
They call from multiple different numbers. 
This began months ago. 
I once took the call and as soon as they mentioned a debt collection, I interrupted that I do not own a debt to anyone, I have no written documentation I own a debt and no debt collection show on my credit report, so I thought it was a scam. 

And yet they repeatedly and repeatedly keep calling. No voice mail has ever been left from FBCS, from what I can recall. 
They have been calling for several months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
The collection agency continue to open claims that already been closed. Spring Oaks Capital LLC had reopen a claim that was closed. This was the company XXXX XXXX XXXX XXXX. I had paid this company more then what I used. They continue to say I owe them {$610.00}. I explained that to the collection agency but they continue to keep it on. It is against the law for anybody to share your personal information even to sale your information to anybody without ones acknowledgement. I'm asking that this be removed from all 3 credit bureau. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I had a no-contract cell phone account with XXXX mobile but found a better cell phone deal with XXXX, so I paid my XXXX bill AND the balance owed on my devices and switched providers. I have my bills showing my {$0.00} balance to XXXX, screenshots of my deactivated phones, as well as my " Welcome to XXXX XXXX' bills showing the corresponding dates. Approximately a year ( or more ) went by before a debt suddenly showed up on my credit report for XXXX mobile. I called XXXX and the representative assured me she sees NOTHING showing I owe them anything. I did ask her for something in writing but for whatever reason, she said she was not able to do that. I then started disputing it with the credit agencies but each time it gets deleted then returns with a new company or will come back as " updated ''. My score has taken a XXXX dive because of this phantom debt I do NOT owe. It is my belief that XXXX XXXX ( for whatever reason ) attempted to auto-bill my credit card on file MANY months after my account was already switched to a different provider. They were never able to successfully charge me though because I had lost my XXXX card and was issued a new number. Regardless, this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: NY

Complaint narrative:
Deposited XXXX Ethereum, XXXX Bitcoin, XXXX Polygon, XXXX USD Coin, XXXX XXXX Dollars and XXXX XXXX into Celsius Network as loans ( in exchanged for " rewards '' /interest ) with the supposed ability to be able to withdraw the funds at any time. 

However, the funds ( approximately $ XXXX in market value ) are now completely frozen and unable to be withdrawn. I am filing a complaint as I believe that Celsius has been dishonest and fraudulent about what it was doing with the borrowed consumer funds, riskily trading without the proper controls. 

Celsius is deeply insolvent and lacks the assets and liquidity to honor its obligations to account holders and other creditors. Celsius deployed customer assets in a variety of risky and illiquid investments, trading, and lending activities. Celsius compounded these risks by using customer assets as collateral for additional borrowing to pursue leveraged investment strategies. Additionally, some of the assets held by Celsius are illiquid, meaning they may be difficult to sell, and a sale may result in financial losses I would like to find a way to be able to withdraw my money, as originally promised by the company per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX, Comenity bank, who funds my express and loft credit cards, had a system glitch that caused the payment system to crash. Payments couldnt not be made online or over the phone. I finally got through in XX/XX/2022 and found I was charged a late fee. I spoke to a rep who advised she could not reverse the late fee. I still cant get in the system to review my statements and was only advised by the customer service rep to call back in 24 hours. This is unacceptable. Ive reached out via XXXX only to be ran around in circles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/XXXX, Chase mailed and offered a balance transfer promo with a promotional rate of 0 % that " applies through your billing cycle that ends in this month XX/XX/XXXX. '' ( Quoted direct from promo mail. ) However, when I called on XX/XX/XXXX to inquire the customer service representative said that 0 % promotional rate would stop applying " XX/XX/XXXX. '' ( Quoted customer service rep 's words exactly as when the end date of the promotional rate to be applied would be. ) Therefore, Chase haphazardously or intentionally would receive one whole month of interest that would have been unbeknownst to me if it not was for my inquiry. Thus, the advertisement is misleading. Many customers are potentially at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
A CBE Group text me to collect a debt and I dont owe anything for anybody. The text reads : This message is from the CBE Group, a debt collector. Please contact us at XXXX or XXXX. Reply 'STOP ' to stop texts to this number. 
The phone number it came from is XXXX ( XXXX ) XXXX. I dont know who they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX property closed as an approved short sale with XXXX XXXX XXXX. XXXX was provided with all required closing documents and full payment per approved net on the short sale approval. On XX/XX/XXXX XXXX sold or transferred servicing to Right Path Servicing. Even though XXXX provided them with all closing short sale documents and funds, XXXX XXXX did not process the documents correctly. 
The net proceeds of the short sale were recently returned to closing agent on XX/XX/XXXX. 
After multiple phone calls to XXXX XXXX I have not been able to solve the issue. Per my last conversation with XXXX XXXX they are asking me to apply for a short sale!!!! This is closed and funded short sale transaction. I no longer live in the property and XXXX XXXX  does not have a clue as what they are doing. This is closed short sale transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I don't often check my credit report, however today I did. Upon logging into XXXX I notice my credit scores dropped and I had a derogatory problem on my credit. Upon looking into in it was for collections of {$2400.00} from a XXXX  account. Thing is I don't personally use XXXX, nor do any members of my immediate family ( we use XXXX XXXX XXXX  ). I have a XXXX work phone and if this was a real issue I'm certain my company would have informed me. This charge is fraudulent and I have no intentions of paying any of it especially for how insanely high the charge is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: MO

Complaint narrative:
Made a payment on the loan leaving a part due balance. I have consistently made a conplete monthly payment on my car loan for over 6 months but my lender refuses to consolidate late fees and reset the car loan in order to reset the loan. They call literally call DAILY for the past due balance and each time I tell them I can make the monthly payment again in 30 days. They call each and every day and demand the past due amount even though I pay them every month. Why they won't reset the loan is troubling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Foster and Garbus LLP is attempting to collect a debt for XXXX XXXX XXXX which was purchased from XXXX XXXX, which defaulted on XX/XX/2002 for the amount of {$1800.00}, the original amount owed was {$500.00} dollars and amount that is being billed on demand {$1800.00}, this debt is XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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 — Problem with personal statement of dispute
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
During the pandemic I lost my full-time job. I was unable to pay my rent and bills. I had to make a decision and I decided to leave the home I rented to live with a family member. During that time I reached out to XXXX XXXX XXXX. I explained to them my situation and asked if I was able to get on a payment arrangement. They said I was unable because I had turned off services. I explained to them that I don't want this to go on my credit. I made it clear that I couldn't pay {$520.00} straight out my pockets. They still refused but made me aware that it doesn't go on your credit right away and that it could take almost years. I then reached to the Public Utilities Commission to make a complaint. After they investigation, they indicated that they couldn't do anything. Now again they sold my gas account to a collection agency. The collection agency The CBE Group INC- Former is asking me for money. It is against the law to sale personally information that I didn't allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX XXXX XXXX USDOEXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bell Global Solutions LLC
State: IA

Complaint narrative:
XXXX called from Bell Global solutions and said I had a XXXX? XXXX ... When I asked her for proof of debt and my signature on the form she said they couldn't get that... she was then very rude and condescending ... .she didn't verify my information before discussing anything!! Called back after I told her not to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
The central issue is that our mortgage servicer, BSI Financial, failed to apply a {$2800.00} payment to our escrow account last year, resulting in a current shortage that will cost us roughly $ XXXX on our mortgage payment to replenish. Multiple attempts to resolve with the servicer have been unsuccessful. 

The attached XX/XX/21 statement contains the relevant details. 

On XX/XX/21, BSI mistakenly emptied many customers escrow accounts, sending us a check for {$2800.00}. It was a bad check that never posted and we were charged a fee by our bank. They continued to issue refunds in the amounts of {$670.00} and {$1900.00}, which we were instructed to deposit and then replace via an escrow only payment online. You can see my {$2800.00} payment on XX/XX/21, which shows as unapplied in the far right column, and then says it was refunded to me on XX/XX/21. I never received this refund, and the amount remains unapplied to our escrow, creating a $ XXXX shortage for the year, dramatically increasing our monthly payment. 

The company insists there is no error, and a new escrow analysis is not required. They have lost {$2800.00} of mine, and are now asking me to repay it.

Company response to consumer: Closed with explanation