vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been a customer of USAA for over 26 years and I had a mortgage with USAA for over 10 years. 
My mortgage included an escrow account, and USAA paid XXXX County property and MUD taxes annually as agreed. 
In XXXX, USAA failed to pay the MUD taxes, which were due XX/XX/XXXX. I contacted USAA multiple times by email and phone to ask that they pay the taxes as required. Multiple agents said on the phone that the taxes and accumulated penalties would be paid. The escrow account was fully funded and funds were available for payment of the XXXX MUD taxes. 
In XXXX of XXXX the MUD tax district received the delinquent XXXX MUD tax from USAA, but the late payment penalty of {$140.00} that had accumulated over 6 months was not included. 
On XX/XX/XXXX, I paid the MUD district the penalty of {$140.00} in order to prevent delinquent taxpayer action and additional penalties. The same day, I called USAA to ask for the {$140.00} to be credited or refunded to me. The agent, XXXX, was unable to take any action to resolve the issue. She said the Tax department disputes any penalties and I should get those back from the MUD tax district. I am asking that USAA refund the {$140.00} tax liability they caused.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XX/XX/XXXX FACTUAL DATA by CBC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX : Disputing error on credit report dated XX/XX/XXXX required for XXXX XXXX Dear, FACTUAL DATA by CBC I am writing to request a correction of the following information that appears on my FACTUAL DATA by CBC consumer report : Dispute Account Number or other information to identify account : ..Creditor Account Number Owner. XXXX XXXX # XXXX. Reported XX/XX/XXXX. Last Payment : XX/XX/XXXX. Opened XX/XX/XXXX. Limit /Hc : XXXX. Balance XXXX. Past Due {$580.00}. Status Type Vendor : 30 Days late Home Equity Rev.EFX Dates associated with item being disputed. 
The report attached Exhibit A incorrectly shows the existence of a balance of a loan with the XXXX XXXXXXXX XXXX The truth is that both me and my wife XXXX XXXX had a loan XXXX # XXXX. Loan Date XXXX : Principal {$100.00} which was fully paid on time and date XX/XX/XXXX. As such, please see Exhibit B, attached document issue by XXXX XXXXXXXX XXXX that contain the pay off, original satisfaction of mortgage and Original Promissory Note. 
I made a loan application with XXXXXXXX XXXX on XX/XX/XXXX and the existence of the loan in question with the XXXX XXXXXXXX XXXX  is affecting my credit score negatively. 
As can be seen in the Credit Report I have not defaulted on my credit obligations, I have no past due debts, and it is unfair to keep this loan pending when it was fully paid on time. 



Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft 01 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2021-06-25 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: HI

Complaint narrative:
Resurgent Capital Services LP, a debt collector, was timely notified within 30 days of attempted debt collection of the dispute in the amount of {$1000.00}. That notification date was XX/XX/XXXX. The issue involves one transaction of {$610.00} in XX/XX/XXXX where XXXX, XXXX never resolved the dispute with the merchant nor the XXXX XXXX. They just added interest and penalties while the matter was still in dispute, bringing the account to {$1000.00}. The account was sequentially sold by XXXXXXXX XXXX  to XXXX XXXX XXXX. We stated in our dispute letter to Resurgent Capital Services LP on XX/XX/XXXX that we disputed the original transaction and the charges for interest and penalties that XXXXXXXX XXXX added while the matter was still in dispute. 
Subsequent to XX/XX/XXXX, Resurgent Capital Services LP has used pseudo debt collection companies like XXXX XXXX and XXXX XXXX XXXX and has also used multiple addresses in their letters. All these related entities were also sent timely written letters within 30 days of attempted debt collection of the disputed amount. Our written responses were sent to all the multiple address that Resurgent Capital Services LP employed in their debt collection letters. We continue to be harassed by the repetitive annoying debt collection form letters from Resurgent Capital services LP and multiple addresses that they have employed, all of which we have timely disputed within 30 days in writing. Our postage has cost {$6.00} for each certified return receipt plus our time and effort to respond to these multiple letters. We consider this ongoing repetitive behavior by Resurgent Capital Services LC harassment, because they have been told multiple times not to contact us again. ( See copies attached of the certified, return receipt written letters for our timely responses. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: VA

Complaint narrative:
In 2014 XXXXXXXX XXXX indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.

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 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paradigm Assets, LLC
State: IL

Complaint narrative:
A derogatory mark appeared on my credit report suddenly in XXXX of 2021 from JDHPE Finance.

Suddenly some predatory debt collector has dinged my credit report for 30+ points on some debt that was closed or charged off long before XXXX of 2021. 

The amount they have tried to pin to my credit report is approx XXXX. It said the original creditor was XXXXXXXX XXXX of which I have had no buisness or transactions that I am aware of in MANY years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have an account in COINBASE since XX/XX/2021. 
In XXXX I made a deposit and COINBASE has blocked my account. 
I can not enter or withdraw my money. 
This has caused losses, since I have been trying to sell my XXXX  for a month and I have not been able to. 
This has caused it to have significant losses in the currency I am trying to sell my currency and get my money back and coinbase has my account blocked. 
I have submitted multiple claims, but they are not helping me. 
I want my account to be unblocked so I can sell and cancel. 
I want to be paid for the losses I have had since XXXX Customer service is very bad My XXXX is XXXX My initial claim : # XXXX I have also requested more claims : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX I request your help to respond and resolve my claims Thank you so much, best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Chrysalis Holdings LLC
State: AL

Complaint narrative:
I contact this company NewDayUSA to help with a veterans refi-cash-out mortgage application. I was ask to lift the freezes off of mine and my husbands credit files. This company did not inform me that they were going to ask another company to pull our reports. But they did, XXXX XXXX is who they used on XXXX the XXXX and XX/XX/2021. This action cased damage to my credit score, it went down by 18, making me below average for any type of credit loan. I was waiting for this company to do an appraisal on my home before further process of the loan application. I decided not to continue to wait any longer and withdrew from the process. Then going to another veterans lender found out about my credit score dropping by 18, now it is XXXX, below average.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macy 's is reporting erroneous lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, XX/XX/20. I made my payment online & it kept giving me an error even though it said it went through. So, I called you guys to confirm, after waiting on hold for over an hour for a representative they told me they didnt see a payment & they took my payment over the phone! This is not my fault and I am not sure what is going on over there, I gave all my personal info for the payment to your representative, why wasnt it set up? Were they working from home & now they have my info? Please remove this late.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
All information is contained in the attached XXXX page document outlining my experience and grievance regarding Fifth Third Bank , National Association. 

The goal of submitting my grievance is to focus a spotlight on the questionable business practices, customer treatment, and employee treatment executed by Fifth Third Bank , National Association.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am disputing a collection account showing on my credit report from NCB Management Services , Inc in the amount of {$7000.00}, originally from XXXX XXXX XXXX XXXX, which I do not believe I owe this amount. I have disputed this account directly with NCB and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from XXXX. NCB continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery is suing me in XXXX XXXX XXXX XXXX XXXX ( Ohio ), on a debt that I requested validation for. They did not validate the debt, they just sued. The suit amount is well below the level for a small claims case here, yet they filed in XXXX XXXX in order to make pleading and responding more difficult without the help of a lawyer. 

I am XXXX and I told them to cease and desist calling my number, because I was XXXX I wanted all communications in writing, and the calls served only to harass me. 

They have continued to call me even after filing this lawsuit. I wrote their attorney twice telling him to instruct his client to cease and desist contacting me by telephone. 

The calls have not stopped. 

Among other FDCPA violations, they have continued to park the debt on my credit report even though I have disputed it, and its involved in pending litigation! 

The attorney will not provide the forward flow agreement, the statement attached to the lawsuit shows a supposed payment on the account THAT I DID NOT MAKE. Portfolio Recovery is facing a class action lawsuit in Illinois for this very thing, indicating a payment when none was made in order to re age accounts, attempt to prove a contract on account. 

Further they mail all their letters from a place in California. This is a mail house. They have transmitted my data including things like my social security number to this third party in violation of the FDCPA ( see the recent 11th Circuit decision ). 

Their bullying litigation tactics to force me to pay a debt they refuse to validate ( suing in a higher court, re aging accounts, parking the debt on my credit report, continued telephone harassment after filing suit ) all violate the spirit and the intent of the XXXX  consent decree they entered with you. 

Their attorney will not communicate with me, but continues to forward the case, refusing arbitration which the contract attached to the lawsuit specifically prescribed. I do not believe I am receiving fair treatment in this court PRA chose, as the most recent denial of a motion to compel arbitration was entirely ghost written by this attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: NY

Complaint narrative:
Remove all accounts in XXXX business days according to 15 USC 1681c2. Ive disputed that these accounts were not mine and yet, you continue to state another person can validate debt for me, the consumer! According to disputes per Congress, an investigation MUST BE PERFORMED! According to 15 USC 1681 a-e, it states you HAVE to do interviews with my family, associates and neighbors. In order for a consumer to have a witness, they would have to witness the signing of the contract, or contact the neighbors. You nor these collection agencies did that and did not provide documentation proof. You did not provide any information interviewing nor did I receive anything in the mail. I was not given written notice in advance to dispute BEFORE you VOLUNTARY posted false information on me. This is multiple violations! Delete and provide compensation for each violation for credit bureaus reported to without notifying me of the alleged debt in writing and giving me, the consumer rights to respond. I did not give you permission to report any information on me. Therefore, I demand EXPERIAN to remove ALL accounts and I demand compensation for each violation!

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 2021-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
Using fake loan site to collect banking info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: IN

Complaint narrative:
Using my XXXX XXXX card via Synchrony Bank I had filed a dispute with and XXXX provider that will not stand by the one year warranty. The dispute was submitted to Synchrony Bank by filing and online and by phone dispute. Since that time, Synchrony Bank ignores my complaint and keeps asking me for tracking on the return to the merchant. They have been told repeatedly that there is no return and that the merchant refuses to exchange or refund my money. Synchrony Bank tells me that they have tried to reach me but that is also a lie. I get email and letters in the mail saying the dispute is closed then a phone call stating that they are working on it then emails saying it is closed again. They need to have a dispute area where you can actually talk to someone. Please see the uploaded PDF

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 monetary relief
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: PA

Complaint narrative:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person. 
Following up with Equifax over the phone on XX/XX/XXXX I was told the items will all be removed immediately from a representative confirmation # XXXX. He told me all I had to do was update the FTC report with the correct account numbers in which he provided. The rep stated it should be updated within 48-72 hours. the rep provided me with a fax number XXXX. I called back again on XX/XX/XXXX and another rep said he would delete them and my account will be updated in 48 hours just give the system time to update confirmation XXXX agent XXXX.

Company response to consumer: Closed with explanation