vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX 2.Cavalry Port I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MA

Complaint narrative:
BinanceUS took {$1300.00} from my account then blocked withdrawal/transfers. They did this without explanation. 
I have deposited fiat and transferred cryptos many times with them, and this is the first time they took fiat from my account without authorization and blocked access to withdrawals/ transfers. 

On XX/XX/XXXX, I made an ACH deposit of {$1000.00} to BinanceUS. Those are immediately credited to my account, but it did not for some reason. The money cleared my bank but was not credited to the balance on BinanceUS. I immediately submitted a ticket. Essentially, their support staff told me to relink my bank account or re-verify my bank account. The latter made no sense, and I worried it could create a new set of problems as verification is a multiday procedure. I explained that, and they put me in the queue and said not to submit more tickets. However, different issues arose. 

Two days later, {$350.00} disappeared from my account. There was no transaction history, and BinanceUS did not explain. Before this happened, I wanted to withdraw the remaining fiat and transfer my cryptos but received a notification that my withdrawals were locked due to security risk. 

As it stands, binanceUS has total control of my cryptos and has taken {$1300.00} from my account without explanation. 

Attached are our communication and screenshots showing the deposit to binanceUS cleared. Also showing {$350.00} in the account, which disappeared without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I wish to file a Complaint again XXXX XXXX  XXXX XXXX  XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Attached are Certified copies of it's released of my mortgage ( 7 years ) ago in XXXX. 
Yet it retained a Debt Collector XXXX XXXX XXXX to harassed and terrorized me with legal actions that never materialized. 
Also attached is the Certified copy of the " Deed " registered after my mortgage was released from XXXX XXXX  and currently they file their complaint as Trustee for XXXX XXXX XXXX,,.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX United Wholesale Mortgage loan # XXXX Mr  XXXX refinanced the loan and had {$1900.00} due back to him upon closure. UWM sent a check made out to Mr. XXXX and his deceased wife for that amount. He notified UWM that she deceased and sent in a death certificate. On XX/XX/2021 they acknowledged in writing that they received the death certificate and would send out a replacement check. No check was received so in middle of XXXX Mr. XXXX folllowed up and they said they would send the check within 10 days. No check was sent. In Early XXXX he contacted them again they said they'd send out a check again ... no check. XX/XX/XXXX followed up again. They said a check would go out ASAP and would call Mr XXXX back to confirm that the check went out. Still today, XX/XX/XXXX, nobody has called back and no check has been received. These people are continually lying and not paying Mr. XXXX the {$1900.00} that they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  ) and the Creditors ( Dept ED/XXXX, XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/2021 my mother sent me a message stating that security finance contacted her and divulged my personal financial information to her. It is illegal for them to do so.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
I sent a debt validation letter requesting they validate the debt was mine. They sent a letter stating they were not able to find me In their system. I provided an account number from my credit report, my name, and address. They stated they cant find me but will not remove this from my credit report.

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 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
They are reporting an account on my credit reports that is too old to be reporting. The FCRA states that negative items are to be removed from credit reports at 7 years from the date of first delinquency. They bought this debt for pennies on the dollar and do not have accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This company is reporting two loans on my credit reports when in fact it should only be one loan. They are reporting the same loan twice because they transferred my loan to another location when one closed. This now looks as those I had two loans with them that charged off. They are violating my FCRA. I even spoke with an agent who verified the account reporting is for the same One loan. I have made several attempts for them to update my credit reports removing the one loan and to report accurate account information which they refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within Chase and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting a late on XX/XX/20 on my credit file that I would like removed. I recently looked at my credit and noticed some this late notation on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Capital One report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Capital One please take leniency on my hardship and remove the late as a onetime goodwill adjustment. I have not been late before and have been punctual since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
On XX/XX/2020 I contacted XXXX to apply for refinancing both my first and second mortgage. The home appraisal was not enough to cover both the first and second mortgage, so it was suggested that I apply for money-out refinancing on the first mortgage only. The applications were electronically submitted and {$20000.00} money-out for the first mortgage refinance was estimated on closing. 
The 21st Mortgage Company is the servicer of the second mortgage. It refused to resubordinate the second mortgage unless the entire second mortgage is fully paid off. The VeteransFirst.com can not proceed to this unreasonable demand. 21st Mortgage held XXXX the processing and completion of the refinancing by it's unreasonable demand to be fully paid, prior to allowing the first mortgage refinancing to be closed. This caused a lengthy delay, we are now counting one hundred and forty days and still waiting for the 21st Mortgage to provide the necessary papers to close. The terms/conditions it wants are capricious and untenable because there is not enough money to fully pay the second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account credit one bank 2. Validate Account convergent outsourcing I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
A collection company contacted me about a debt that I do not owe. They sent an email that I accidentally discovered when browsing my email spam folder. 

I immediately replied via certified US Post to notify the collection company that I do not owe the debt, that the debt is disputed, not to call me or email me and to only contact me at my postal address in writing, and asked them to provide any documentation that they believe proves I owe this debt. 

I got no reply in writing. 

In spite of my written request otherwise, someone claiming to represent the debt collector phoned me and left a voicemail threatening a summary judgement against me. 

There are thousands of complaints in the CFPB database against this particular collection company. 

I believe that the debt collector ignored my letter ( for which I have proof of delivery ), illegally contacted me by phone after I instructed them to only contact me in writing at my postal address, and is still in the process of seeking a judgement against me for a debt that I do not owe. 

Rather than wait until I have to dispute an illegally obtained summary judgement, I am asking the CFPB to force this collection company to acknowledge my request to provide proof of the debt or quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This letter is being sent to you in response to a account appearing on my credit report. Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.

This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
Binance.US is holding my money hostage and will not allow me to access my funds. They are conducting fraudulent activity and manipulating the XXXX XXXX by allowing big money investors to buy in while they freeze the accounts of many small retail traders and hold onto peoples money for months on end while the asset is tanking and costing people to lose their entire life savings. There are many complaints about this very issue online and on XXXX and many other chat groups and no one is doing anything about it. Binance is one of the richest companies on Earth right now and they are conducting some shady activity that's only affecting us smaller retail traders. This is market manipulation at best and illegal/criminal activity at worse. Either way this XXXX is wrong, and they're costing a lot of stress and damages in peoples lives and no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've contacted transunion, XXXX, and Experian about a bankruptcy that's being furnished on my account. I've sent them disputes regarding this matter. I also have proof from XXXX XXXX Consumer Reporting Agency stating that my position is valid according to the law and I've also gotten a written testimony from the courts themselves stating that they don't do business with the consumer reporting agencies. I will be submitting both letters to you. XXXX XXXX themselves have deleted the bankruptcy from their files, with that being said ... there is no other reason for XXXX, XXXX, and Experian to have it reporting as well. This reporting is causing me damages and is preventing me from other endeavors I am pursuing. I would like for the Chapter XXXX bankruptcy to be removed from my reports immediately, 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 explanation
Consumer complaint received 2021-04-23 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: CAC Financial Corp
State: OK

Complaint narrative:
I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. I reached out to the bureaus and company several times and the accounts are still on my credit. 
1. CAC FIN COLL. Date Opened : XX/XX/XXXX. Balance : {$780.00} 2. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$850.00} 3. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$150.00} 4. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$790.00} 5. CAC FINANCIAL CORP. Date Opened : XX/XX/XXXX. Balance : {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent a dispute letter to the three credit bureaus ( Transunion, XXXX, XXXX ) XXXX & XXXX  has not responded My 1st dispute letter was sent XX/XX/20 They still have not removed nor responded to the items I have asked to be removed off my credit report.

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 2021-04-23 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: OH

Complaint narrative:
good morning, i am file this complaint because the PayPal company it looks like scammer company. 
they close my account after i received {$1300.00} in my account. 
They told me after 180 days i can withdrawn my money and i will received a notification by email. 

200 days passed and PayPal sent me the email for withdrawn my money to my email but they still blocked me and they dont want help me to withdraw my fund. 

i called many time and they said PayPal don't have any time when the money is going to be available. 
i said i was waiting for 200 days and you sent the email. 
that mean PayPal do not respect their own Polices. 

my email is XXXX. 

cfpb can see my proof, i m really sure that im not the only Person with this problem. 

Many scammer company like that are now close, i hope my complaint can be help to alert about PayPal is not making legal things. 

other important thing is i don't have any dispute or chargeback. 
i m never been associate with any Fraud activity. 

I M frustrate with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting collections on my credit file that need to be removed. I have been disputing accounts with them for debts and I have requested that they remove it. I have applied for hardship through the hospital and have been dealing with them directly about what accounts are mine. They told me to get in contact with the CBE Group who told me that all accounts have updated to a XXXX  balance because it couldn't be validated. They however continue to report this on my credit file. I will have you know that reporting invalidated debt on credit can constitute fraud under both federal and state laws. I ask that CBE provide me with a deletion letter to remove these accounts from credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I reached out to the company about paying off the balance in XXXX. My Balance at the time was XXXX dollars. I was told I could not pay the balance off because of legal fees. However, I have not been delinquent with this account since 2016. In XXXX my credit report notified me that XXXX increased my balance by XXXX. They added this amount with out me taking out another loan. I fear that this company is trying to keep me in debt to them. This was a 6 year loan and this is the sixth year. Please Help me!

Company response to consumer: Closed with explanation