vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Follow up the complaint - XXXX - closed case Rushmore has responded the CFPB complaint and provided the response letter dated XX/XX/2022 and directly addressed to my name XXXX XXXX XXXX from Customer Correspondence Department and the contact number, is XXXX. 

I found that their payoff loan amount is unreasonable - I have attempted to reach out to Rushroom multiple times for the payoff amount ( the contact phone number - XXXX ). They claimed that I am not the authorized person, they can not disclose any data. However, I have received the letter and addressed it directly to my name, " XXXX XXXX '', they claimed that they don't have any record in their file and could not discuss the loan and then hang up my call. ( the conversation was with XXXX XXXX XXXX. So I have no other option to follow up the loan, this is the only way i can communicate the discreprencae loan amount through CFPB. 

The total payoff amount is {$200000.00}. However, there is included 1 ) Escrow Advance Balance {$15000.00}, ( I am paying the HOA fee, homeowners insurance, property tax - no outstanding due ) 2 ) Late Fee balance {$1100.00}, 3 ) Property Inspection {$15.00} 4 ) Corporate Advance balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report. 

Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian shows all of my student loans in default. I contacted my student load provider and they confirmed that I have never been in default. They stated they have never reported that I have been in default and they even sent me a letter showing that I was in good standing. When I called Experian to discuss this with them, they blamed the student loan company and told me to call them. When I explained that I did and they even provided a letter stating that I was in good standing, they said well start a dispute and in 30 or so days someone will contact you updating you on the status. 

Experian shows my home mortgage account closed, when in fact it is open. 

Experian shows other accounts as delinquent when they have been paid in full. 

When I call Experian I wait on hold to speak to someone who belittles me and acts like I, or the company I obtained credit with, is to blame. I have yet to find a competent person to help resolve my issues. This is very frustrating as who else am I supposed to call?!?! I have no choice in the company that provides credit reports, I am never satisfied with the level of customer service I receive and it takes weeks to get anywhere with a dispute or even an inquiry. I am beyond frustrated.

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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
this is my complaint id number XXXX i don't know what else to do. they lie transfer over and over to new people and never get no were i said all this and sent all stuff to you last time XX/XX/2021 have had a hard time paid off a lot of bills qualified for a FHA loan need higher XXXX to get help with down payment all of the credit bureaus states a different think now. Can you please remove this collection asap. I would have never paid them a dime if they had told me my collection would have changed nothing, and agreed to delete or say pay as agreed i had smaller collections i could have paid and have paid since then. 

there is no area to put the correct reason why i am writing this time around. i need removed ASAP to get help with a down payment the charge off on each area XXXX deleted XXXX says paid less than full amount no lates XXXX says unknown history with late payments paid less than full balance

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 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
Professional management is illegally pursuing to collect a debt and breaking the HIPAA laws! No HIPAA transcript or disclosure was mailed with the debt validation packet! 

I previously mailed the company certified mail to inform them this must be deleted but no action has been taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or around XX/XX/2022 I mailed a billing error notice to Capital One Services billing dispute department addressed on the back of my billing statement as required, I also mailed a copy to their corporate office and registered agent ( XXXX XXXX XXXX ) in regards to my XXXX credit card accounts/billing statements that I had reason to believe was in error. I requested in accordance with 15 U.S.C 1666 ( b ) ( 2 ) documentary evidence which includes books of account in accordance with 15 U.S.C 44, Capital One must provide to clarify this dispute. The creditor ( capital one ) on XX/XX/2022 took adverse action against me by restricting and closing all three of my credit card accounts ( I only disputed XXXX ) for exercising in good faith my right to inquire and or dispute a billing error to resolve the issue on my account.This is wrong, not fair and humiliating. I had recurring payments set up using my credit card accounts that were denied payment because capital one closed my accounts before sending me a notice so I could properly update payment for these services. Pursuant to 12 CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) the consumer has the right not to pay and the creditor may not try to collect, the creditor shall not accelerate, restrict or close the consumer 's account. Capital One has now forfeited any right to collect any amount due to noncompliance pursuant to 15 U.S.Code 1666 ( e ). The creditor ( capital one ) is civilly liable for actual damages to the consumer and criminally liable for knowingly and willfully noncompliance of failure to present required documentary evidence as requested to clarify and resolve the previously addressed billing error pursuant to 15 U.S.Code 1693m and 1693n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
My leased Kia was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to Kia Finance on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to Kia Finance. 
On XX/XX/XXXX Kia Finance deposited the full Total Loss Buyout in the amount of {$22000.00}.

Kia Finance has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

Kia Finance has been paid in full and the current amount due is {$0.00}.

I have tried disputing this on my own but Kia refuses to verify with the credit reporting agencies that the account has been satisfied.

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 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I have to file a new complaint to show this evidence. This company sent me a letter stating that they will lien my property for {$280.00}. Yes {$280.00} when A ) i worked so i know my taxes will pay it. 2 ) we can't even seek XXXX  debt consolidation to consolidate the tax owed because it has to be over {$5000.00} and {$280.00} is so low. Yet you are being harassed and threatened with liens for {$280.00}. This company is a fraud. I will sue. People will pay with taxes this low payment. Look at the attachment yo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I just paid off my sams club credit card in the amount of {$420.00} for a {$400.00} credit limit. I received a notice that my credit limit was dropped down to {$160.00}. I called the customer service and asked where is the rest of my credit and they stated that it is their discretion to drop credit limit because it is a loan. I explained to them it is not a loan, it is revolving credit. I then told them they owe me XXXX in credit because i paid the whole amount off. I got no where. They kept trying to say its a loan which it isnt, its revolving sams club credit card and I'm still unclear as to why they even dropped my credit when i just paid off {$400.00}. Last week was showing the current credit limit because i paid {$100.00} in Sam 's memebership and then bought a few items online for about {$55.00}. Now, i only have a credit limit of XXXX and I truly believe they are purposely doing this because i paid it off. They have already said when i do pay the full amount, they place it on hold because they don't like full amount payoffs. I believe this is in retaliation for my full 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 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I have a debt collection company XXXX Phone number ( XXXX ) XXXX or XXXX calling me about a debit that is not mine. It is for a company HSBC which has never been on my credit ever. They are just trying to get me to pay for it through their website with out any proof that its mine. When you chat with their virtual person they try and fight with you sayin its your and you need to pay. This is scam to try to get me to pay a debit that is not mine and then run with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial sent me a bill from XXXX XXXX in the amount of {$950.00}. The problem is the bill only states that I owe for XXXX. I have no information on the bill of what it is I am paying for. It doesnt tell me what services I received or anything. I have written them certified letters on XX/XX/22 and XX/XX/22 requesting that they send me the information on what it is they are asking me to pay for. So far Ive received nothing. This has destroyed my credit I had a XXXX credit score before and now it is a XXXX. This company is asking me to pay for something that they refuse to tell me what service I received in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I was included in a forbearance program through the Cares Act in XX/XX/XXXX-XX/XX/XXXX. I was told to submit documents for loss mitigation and additional payment options. Documents were emailed from XX/XX/XXXX-XX/XX/XXXX I contacted the servicer XXXX on multiple occasions to follow up and left messages for a call back from supervisors due to duplicate requests for docs to be sent. In XX/XX/XXXX I received an email stating that my application was being closed due to lack of supporting docs being received. I immediately contacted the lender ( XX/XX/XXXX ) for support. XXXX had the same difficulty in making contact with their servicer. Eventually, they located a supervisor who was able to review the documentation and verified that the package was in fact complete. It was then forwarded for review for a workout option. Two weeks later it was determined that there were NO OPTIONS for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
on XX/XX/XXXX I placed a deposit on a piece of furniture with a company via AMEX for {$1300.00}. Vendor said would ship in XX/XX/XXXX, then late said XXXX then XXXX, then vendor cut off communications and is refusing to answer. We contacted Amex and they are refusing to do anything in regards to a dispute. They in a nut shell : say tough luck and to bad for us. Spoke to them via chat and even got the " floor manager '' XXXX to deny us as well. Seems they don ; t mind continuing thier relationship with this vendor and helping them steal from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2022 I received money into my PayPal 's XXXX account from my PayPal XXXX account for the services I had used from my business. The amount of {$14000.00} was received in the form of two separate transaction of {$4800.00} and {$9900.00} ( before PayPal fees ). Despite submitting all the supporting documents to PayPal they have limited my access to my funds for well-over 72 hours now. 

This has caused severe loss to my business as some of the bills we have to pay have been delayed on the account of this limitation. Not only some of our bills are going unpaid, but they are accruing penalties and fees for delayed payment. 

Refund of the amount to the sender ( myself ) is not an option because, PayPal refuses to reverse the hefty 3 % fee they charged for this transaction. So I am pretty much stuck. PayPal is literally holding my money to ransom.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CARES ACT Violation personal loan late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC.
State: AR

Complaint narrative:
Fraudulent account is being reported! Wrong Drivers license number attached to original application, wrong phone number, wrong employment, and wrong/incorrect spelling of NLR name ( I would not misspell my own mothers name ), wrong zip code and the signature looks like a childs writing! Contact Kays and they stated it had to be my account due to previous contact with the owner! I know this account can not belong to me due to the correct phone number not being on the application and me not knowing of this account until I sent the verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a deposit for services to a Cash App user named XXXX XXXX ( $ kimberlypenalver ). She did not provide the service so I requested a refund on XX/XX/XXXX. She has not granted the refund and I would like to report her for suspicious activity. Cash App has provided zero support to report this user, review their account for abuse, or restrict this users ability to continue her scams. It would be appreciated if Cash App would do more to protect users like me from rampant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter ( Attached ) to Experian on XX/XX/22 in accordance with FCRA 611 ( a ) ( 7 ). According to USPS signed receipt letter a XXXX XXXX of Experian received and signed for the letter on XX/XX/22 ( Attached ). According to FCRA, Experian has 15 days to provide a " Description of Procedure '' used to conclude their investigation or the record must be permanently deleted. As of XX/XX/22, I have not received a response nor as a letter been initiated according to XXXX, a representative at Experian whom I spoke to on XX/XX/22.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation