vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
Lakeview Loan Servicing LLC continues to contact me for payment while I am on a forbearance. They mailed me correspondence stating I was behind and had not paid my Mortage as required, while on a forbearance. I repeatedly receive automated calls to contact their company. I was told by the customers service representative that they could call during my forbearance and demand payment.

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 2021-04-20 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: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Granite Edvance Corporation
State: TN

Complaint narrative:
According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I had been with paypal for few months using it solely for Swappa.com. I did a pretty good volume for the past few months. Even with having a XXXX XXXX linked with my account and Ive done everything right and legally, I wasnt even given a chance to appeal my case. All the documents they asked for were submitted and even having a XXXX XXXX didnt even matter to them and they just shut the account down permanently which is totally unfair. Im just doing everything to keep my family afloat during this trying times by doing reselling business. 
My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CA

Complaint narrative:
I opened two disputes with Experian regarding a credit card that belongs to my brother. Both of the disputes I had opened were closed and no action was taken. Experian states the the information is correct. The credit card belongs to my brother. We share a very similar name, the same birthdays because we are twins, and we share an address because we live together. We do not share the same social security number. His social security number is on my Experian credit report also. I want his credit card removed from my Experian credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am a victim of identity theft. I originally learned that my personal information was used to open an account at NAVY Federal Credit Union on XX/XX/XXXX at which time I filed a dispute. I then filed a police report on XX/XX/XXXX as well as an FTC Identity Theft Report on XX/XX/XXXX. I again disputed this fraudulent account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have now filed my second FTC Identity Theft Report on XX/XX/XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Navy Federal Credit Union absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC send me an email claiming a debt of {$590.00}. and the acc number they send was XXXX. 
This email was sent right after I was checking my credit reports. I never authorize this company to send me emails or give them my email. 
I do not know this company and I never had any business with them or signed a contract with my physical signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MD

Complaint narrative:
I would like to file a formal complaint against IQ. Data International Inc, for unfair practices in attempt to collect allege debt which was disputed as fraudulent not belonging to me. 

On or around XX/XX/2021, I received a notification from my credit monitoring services IQ Data International placed a major derogatory collection item in the amount of {$570.00}, on my Equifax credit report, which I immediately denied as fraudulent not belonging to me. ( see attachment ) Please note IQ Data International violated the FCRA & FDCPA refused to send written correspondence to consumers home address, denied consumers right to dispute said debt prior to reporting to credit bureaus.

I immediately reached out to IQ Data International requested validation of said debt, not a standard letter with amount which consumer have every legal right for detailed information regarding collection activities. ( see attached letter ) To date IQ Data International is refusing to validate said debt as outlined in my letter dated XX/XX/2021, and refused to remove the derogatory collection item from my credit reports in direct violation of FRCA & FDCPA. 

Therefore, I am requesting your office to investigate this unfair practice and if found in violation enact or enforce laws to protect consumers from this abusive practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
my online banking account service for citibank access blocked since 5 days ago i tried to call them more than 12h they did not give answer they did not respect customer rights any way they keeping me one phone call more than 60 minute every time then go without answering or even apologize i go branch XXXX in California myself giving them my ID to solve the problem but nothing my name is 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 2021-04-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. 

In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me.

After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it.

To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. 

Citibank owes me for the interest/finance charges accrued since my account was closed. Citibank needs to send me a paper statement showing the corrected balance, so that I can pay it off in full. 

It has been 2 weeks since my last attempt to contact them.

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 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
We ended up owing our old apartment complex money, XXXX XXXX, after leaving our unit. A judgment was rendered against us for the amount of XXXX by the court. No more. And no less. We satisfied said judgment through payment of garnishment. And paid off the ENTIRE debt on XX/XX/2018. We have the " Judgment Satisfied '' letter from the courts. And thought that the issue was resolved.

However. U.S. Collections West, is still trying to collect money that we DO NOT owe. And has put the amount of XXXX on my credit. And the credit agency XXXX, has refused to remove the debt. What they are reporting is false, especially since the courts probably did not give them the amount they were looking for. And are now harassing us for something we already satisfied THROUGH THE COURT. So are they trying to collect the same debt twice, by holding my credit hostage?

They are also holding our credit hostage for something that has already been satisfied. If they do not remove the debt ASAP. We will be getting a lawyer.

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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I have used Xoom XXXX Service, Transaction No XXXX to internationally transfer funds to XXXXXXXX XXXX. The XXXX produced a report that transaction failed due to Recipient Account Invalid. 
I contacted the receiving XXXXXXXX XXXX to find out the root cause. I was informed that XXXXXXXX XXXX couldnt locate the transaction in their system. They requested me to have XXXX provide funds transfer XXXX report which could assist them to further investigate the issue. 
I requested XXXX multiple times to provide the docs which would assist in investigation. XXXX has so far failed to provide me the report despite multiple reminders. There seems to be a deliberate attempt by XXXX not to provide the requested report. Its beyond comprehension when these transactions are all done electronically, why XXXX failed to share the relevant docs. Its extremely perplexing that Xoom XXXX Service is not cooperating to address the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS ( Bluebird prepaid card ) refuses financial transparency by refusing to provide PERIODIC FINANCIAL STATEMENTS - as required by federal law.

AMERICAN EXPRESS refused me all access to periodic financial statements ( i.e., via online access, email or mail ).

AMERICAN EXPRESS refused me an online account stating on their website " We don't like delivering bad news. However, we're unable to approve you for an Account at this time. We appreciate your interest in Bluebird. '' When I purchased the Bluebird prepaid card, it did not state anywhere on the external Bluebird packaging that one could be potentially " declined '' for account registration. Thereby, AMERICAN EXPRESS intentionally refused access to periodic financial statements and other services for which I paid.

AMERICAN EXPRESS FALSELY ADVERTISED THE FOLLOWING SERVICES ON THEIR BLUEBIRD PACKAGING TO BE INCLUDED WITH THE BLUEBIRD CARD : *Free Early Direct Deposit *Free Online Bill Pay *Free Family Accounts *Mobile Check Capture AMERICAN EXPRESS charged me a {$5.00} service fee for falsely advertised services and periodic financial statements AMERICAN EXPRESS has refused to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported 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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Binance.US https : //www.binance.us/en/home I HAVE BEEN TRYING TO GET A HOLD OF THEM FOR 2 weeks straight though emails and social media. Their policy states no funds can be withdrawn out of their exchange until 7-10 business days have completed after ach transfer has been successful. On XX/XX/2021 they have sent an email showing a list of ach transfer that were supposedly a charge back/rejected in the amount of {$6000.00} by my bank on XXXX XXXX XXXX without explaining they have locked over {$24000.00} with of crypto assets without any respond to the 50+ emails and 100+ tweets besides an auto email respond stating pay to unlock the account functions. My bank statements and bank clearly shows no charge backs what so ever or any transaction ach charge back. And there never was any a charge back. Also I dont know if it makes sense to lock $ XXXX until I pay $ XXXX and whats even worse is that what is stopping them for coming back at me with numbers or amounts of made up charge backs after I pay what they are demanding to release what they are holding hostage. There is no customer support acknowledging the fact that this is a crypto exchange that shouldnt freeze a trading account for their own mistakes not mine also they could explain what is going on when a person tries to withdraw not two months later after there has been no issues and my last ach transfer was in the amount of {$5000.00} on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
National credit systems says I owe for an apartment in Texas called XXXX XXXX XXXX. I live in Maryland have for 30 almost 31 years. They will not remove it off of my credit. I have called 10+ Times, emailed, etc. 
they are RUDE and ruining my credit. The last name isnt mine either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: AZ

Complaint narrative:
Around XX/XX/2020 I paid off my second auto loan with XXXX XXXX XXXX XXXX in a one year 's time I paid off two car loans one for around {$8000.00} and another one for around XXXX when I paid off the loan for {$12000.00} I still owe like {$3500.00} I paid that {$3500.00} and I asked experience if they get updated after 30 days had passed instead of updating it they took it off my credit report now XXXX XXXX XXXX XXXX and our Experian one of them refused to place the paid auto loan back on my credit report and it dropped my score almost 100 points

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

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 2021-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
My state was declared a natural disaster that inhibited me from working due to frozen roads & no power for a few weeks during the last week of XXXX leading into XXXX & I called the creditor & explained my situation & they said they couldn't give me any relief unless it was from covid 19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

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 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law.

Company response to consumer: Closed with explanation