vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 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 Performance Management, LLC
State: GA

Complaint narrative:
I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help 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 2021-12-31 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: FC HoldCo LLC
State: GA

Complaint narrative:
I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve.. 

I have proof of my concerns are illegal practices.. 

Please can you help 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 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The Company that I work at is a small minority family owned business and was recently involved in a fraud scheme where our supplier that we routine do business with had their e-mail system hacked. The fraudster that hacked our business partner 's e-mail used the e-mail to request us to send our payment to a different bank account. Ownership/ Management of the Company that I work at believed this info from the fraudster and ACHed funds that were due to the bank account requested by the fraudster. In short, the owners fell prey to an phishing scheme and wired the funds via our Bank of America small business checking account to a fraudulent account on XX/XX/XXXX. 

On XX/XX/XXXX, ownership and the accountant of the family owned company uncovered the fraudulent request and immediately reached out to the bank where the funds were wired from, Bank of America. A formal claim was submitted to Bank of America less than 24 hours from when the wire was initiated on XX/XX/XXXX. We were informed by Bank of America that our claim was denied on XX/XX/XXXX. We have made multiple attempts to reach out to our bank representative at Bank of America to understand why the funds were not returned. As we have discussed with other banks, attorneys and law enforcement, funds from a wire or ACH can be reclaimed if sent under false pretenses and a claim is submitted timely.

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 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sezzle Inc.
State: NY

Complaint narrative:
My debit card information keeps being handed out to SEZZLE payment services each month. they go over my head and contact XXXX and XXXX services hands out my new bebit card information without my consent. They is a reoccurring problem thats happened 3 times to me. My information is not safe and XXXX is willing sharing my information with merchants without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
I made a purchase on XXXX on XX/XX/2021 for {$500.00} I didnt receive the majority of my order and when I reported it to wish they only refunded two items. 

I disputing with Fortiva and they responded with wish.come response-showing usps marked it as delivered. The items never arrived here and a couple and a half months after I gave up on this issue ( 3 weeks ago ) someone knocked on my door but left an oversized mailing bag full or random items I had ordered. I was happy that I finally got it but now that Im trying it on the stuff was not as advertised!! It is overly small and most items are are through!!! When contacting Fortiva they state I have no further option to reopen the dispute/further dispute!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: IN

Complaint narrative:
We refinanced a mortgage that was previously financed with Loan Depot. Loan Depot was paid off on XX/XX/XXXX. We have an escrow balance of approximately {$3900.00} that we have not received back from Loan Depot and have been waiting for almost 45 days! 

I have reached out to Loan Depot and all I have gotten was excuses. They said they had returned mail ( untrue as I updated the address with them on XX/XX/XXXX and called and confirmed this address ). 

In addition, I have asked for a statement of all transactions during the loan ( just over 6 months ). They said they couldnt send me anything like that but they could email me the information. I received an email that looked like a suspicious email. It was difficult to open the link but once I did it contained nothing I was looking for. 

To date, all I have received are excuses. They have told me for several days they will verify that we havent cashed the check. They know very well we havent as it has never been sent to us! 

I am now going to be gone from home for two weeks, which means yet more delays in me getting my funds. 

At this point, I would like them to wire the funds along with late fees and interest. Also, I am still waiting on a statement of the account ( I dont even know the exact payoff amount! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
need validation showing my signature and not just a bill that's not proving that its mine..show me something with my signature

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Well my account was compromised on Saturday the XXXX I was locked out the account after clicking a fake chime link on XXXX I immediately called chime told them what happened and the so called locked the account I wasnt able to get in but the scam people was they then cleared my account out after crying and calling and telling chime everything they did nothing for days but keep me locked out the email and phone on my account begin to change daily multiple times after I call and have chime put it back to the correct email address and phone number they finally disputed my amount XXXX so its been locked in the account since the XXXX they havent been able to secure the account long enough for me to take my money out so I asked if they can please close the account there is no other way I have pleaded to the to close my account but it has been reopened 4 times after I have closed the account out They keep saying they will mail my money but they cant give me a date because someone keeps reopening the account daily which means Ill never get my savings I had with chime for 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
this is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
Every 6 months when my property taxes are due, BSI financial does not pay them on time. I get a notice from my county treasurer explaining that they are late and that a fee will be added on. BSI then pays the late property taxes including the fee from my escrow account. It takes me 1-2 months and repeated phone calls to get the fee refunded back to me. They then promise that they have fixed the issue with the timing. 6 months later it happens again. I'm now at the fourth time the issue has occurred and have tried 3 times to get this fee removed from my account. Based on prior interactions I expect I will have to call a few more times to get resolution and that I will have to restart this process again in a few months. 

BSI has absolutely atrocious customer service and I don't see them having any real reason to fix it. There is no incentive that I see for them to do better as helping me costs them money every time and avoiding helping me may make me give up in frustration and they get to keep that money from their error. Looking at reviews online, I'm clearly not the only person who has these troubles. I never chose to have BSI buy my loan and be the servicer so it is frustrating to get this terrible service I never wanted. 
I hate BSI so, so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, Equifax, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Hi. On XX/XX/XXXX we had ordered a {$50.00} vanilla gift card for a doctor that makes home visits. 2 days later I received an email from the company saying that the order was on its way and what arrive in 5 to 7 business days. Today is XX/XX/XXXX and the recipient not received anything as of yet. I have called the company on at least two different equations and have been told that will show up eventually. The 5 to 7 business days has long gone by and I would appreciate to know what is going on with this card. The customer service people are less than helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CT

Complaint narrative:
I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation

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 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have tried to settle this matter and Portfolio Recovery Associates have ignored every request for verification dated inXX/XX/XXXXasking for verification and they continued communication and reporting on an unverifiable account until XX/XX/XXXX when they just deleted the account and said nothing they brought the account back the following month and clam it never happened I then sent mail via Certified receipt on XX/XX/XXXX it was received and has not been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/21 my Coinbase account was hacked. About {$1100.00} bitcoin was stolen and another {$2000.00} was taken from my attached bank account ( XXXX XXXX ). 
My cell phone number was hacked ( I used Coinbase 2 step authentication ) so the hackers could get access to my Coinbase wallet. 
I was able to get the {$2000.00} back from XXXX XXXX, but I lost the Coinbase money and my cell phone plan was paid up for a year, and I lost that. 
I tried to contact Coinbase by phone but couldn't reach anyone, so I went to their online support center and was told that my computer was probably hacked or I was " fished '' by a phony email ( I know this was not the case ) Coinbase was the only company that had my cell number, I believe this attack was probably an inside job, but I'm not an internet expert. 
Coinbase then wanted me to the re-sign up with my social security number and drivers license images to regain access to my empty account. I won't do this because I don't trust them. 
I've resigned myself to the fact that Coinbase lost my money, and I just want to warn anyone else not to trust them. 

XXXX XXXX XXXX, Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, XXXX, XXXX, and Transunion, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.

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 2021-12-31 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: OH

Complaint narrative:
I filed an online dispute and I also wrote a dispute letter to all three credit bureaus, Experian, XXXX, and XXXX, with partial correction. My mortgage account has been paid in full since XX/XX/2021, when we sold our home. We are currently trying to buy our forever home, but until this mortgage account is corrected we can not get pre-approved for a home loan. At first the account was still open, they have since reported it " closed, paid in full ''. The other issue is that they are reporting a 30 day late payment for XX/XX/2021, but under the report it lists the payment history and states XXXX 's payment was on time with a payment made XX/XX/2021. That payment is being reported as XXXX 's payment, when we did not make a payment for XXXX, because we were in the process of closing on the home we were selling. So XXXX 's payment was made XX/XX/2021 and was not 30 days late. All 3 credit bureaus changed the account status to " closed paid in full '', but did not correct the late payment error.

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 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation

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 2021-12-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have been disputing this bankruptcy on my report for months I have not given any verifiable information as to how this bankruptcy was placed on my report the court information is inaccurate on my bankruptcy and furthermore judicial factions do not report public records to and consumer reporting agencies which means my personal information was given without my consent at this time it has been longer then thirty days and I have not received any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am looking to refinance the student loan that I have with Navient. 
I emailed them XX/XX/XXXX to get this but have received no response I called them XX/XX/XXXX to request a loan payoff statement that the new lender asked for, they promised to email but have not received it yet. 
I emailed them again XX/XX/XXXX and waiting to hear back. 

They have repeatedly called to offer to refinance the loan with Navient but are not responding on the document that I need for the new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/30 : contacted Transunion about inaccurate hard credit inquiry that I didnt authorize by XXXXXXXX XXXX XXXX XXXX ). XXXX said to contact bank directly. I contacted bank at number they provided on my report and when I called a recorded message says the number is no longer in service.

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