vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: LoanCare, LLC
State: TX

Complaint narrative:
I entered into Cares Act Forbearance with LoanCare XXXX of XXXX and it is extended through XX/XX/XXXX. My mortgage account was current upon entering into Cares ACt Forbearance. LoanCare just transferred servicing of my loan to another company, upon doing so they reported to the credit bureaus that the loan is 120 days or greater past due to XXXX  and XXXX. My credit rating with both bureaus is a XXXX. I am suffering job impacts from this action as my position is dependent upon satisfactory credit. I have attempted to call and have sent numerous emails trying to get this corrected. They closed my most recent ticket without contacting me siting that I did not provide them with a complete credit report. I had to call them to find out the resolution to the ticket as they just closed it with no comments. I need my credit updated and reported correctly immediately. The attached documents are what has been sent numerous times to LoanCare via several email addresses.

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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: COLLECTECH DIVERSIFIED, INC.
State: GA

Complaint narrative:
XXXX ( XXXX XXXX XXXX This is a very urgent message our office is made several attempts to contact you we are awaiting your return call today this is in reference to a matter that was issued with our processing department for final recommendation please call the office back immediately so that you may speak with a live representative who is handling your file thank you and have a great day I called them they could validate the debt and told me that they would take legal matters to sue me and that could garnished my wages. They said a loan I took out 2010 I wasnt in the states while in military. So this a complaint they also called from several with same messages.

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 2021-05-14 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: NC

Complaint narrative:
I recently sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on 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 non-monetary relief
Consumer complaint received 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Good afternoon : For more than 6 months I have been sending information to TRANSUNION to remove fraudulent information from my credit report. It is worth noting that they are, as of 47 inquiries and more than 5 collections. 
As of today XX/XX/21, I have sent seventeen ( 17 ) times the letters together with the police report for identity theft made before the XXXX XXXX  of XXXX, New York, in charge of Detective XXXX XXXX, and mysteriously they never arrive the XXXX, and when they arrive they say they are incomplete ( I must assume that according to transunion, the United States mail has opened my letters and takes information from them, which I doubt 100 % ) The worst thing is that every time I call transunion by phone, the operators ' response is the same : " your documents have not arrived, or the last document that arrived is unacceptable because it is incomplete. '' I think that this situation should be resolved and order TRANSUNION to remove from my credit report all fraudulent information that directly affects me as soon as possible, and in the event that it refuses to do so, condemn Transunion in any way for its incorrectness. proceed.

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 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Hello Sirs. 
I am a widow selling online my late husband 's militaria antique collection. As a payment method I was using Pay Pal payment method. 
OnXX/XX/XXXX I have received from PayPal email that my accounts are permanently closed and I will not be able to open another account. My funds were put on hold for 180 days with option to release in 180 days. I have contacted Pay Pal agents several times and they explained me the reason - violation by accepting PP payments for antique fire arms ( I did not know about this PP rule which is not an excuse for me ). 
All the agents whom I contacted with had assured me that in 180 days onXX/XX/XXXX my money would be released and they will instruct me how to procede. 
But onXX/XX/XXXX full amount of {$6.00} XXXX from my account was transferred to PayPal without any notifications and explanations. PayPal did not release my funds in 180 days ( XX/XX/XXXX) as was promised. 
Please help me to get my money back. I am single senior widow and it is hard enough to survive during this challenging times due to pandemic.Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NV

Complaint narrative:
XXXX XX/XX/2021 I called BestEgg via phone and requested my auto payment to be canceled due to changing banks until further notice. The request was said to be done. I made a one time payment from XXXX via Bestegg website. One time payment of full payment due amount {$890.00} from XXXX on their website after the phone call. 
XXXX the auto payment was canceled so I made a one time payment from a new bank XXXX XXXX, the payment was successful. 
XX/XX/XXXX, I am confused why the XXXX account is on autopayment and then uncover BestEgg double billed me in XXXX. I made a one time payment from XXXX XXXX and an Auto Recurring from XXXX. I asked again for the autopayment to be canceled on XX/XX/2021. 
The bestegg.com website itself does not allow me to setup any auto payment, only one time payments. Bestegg must have decided to help themselves to my XXXX account in XXXX. Called Bestegg on XX/XX/2021 to discuss this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This was for a old mortgage I had on a home that shows on my credit as seriously delinquent. Which I have never missed a payment on. This home was sold back in 2018 and this still showing up on my credit report as two payments plus was missed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a loan with Bank of America about 3-4 years ago, due to becoming unemployed for a year I was unable to make car payments which forced me to return the car to the lender. I received docs showing the car was sold but way under pay Ans it showed a balance then later I noticed that the acct was charged off. I never received any attempts to collect or make any payment arrangements, its been difficult the last few years specially after COVID. Ive been attempting to start my photography business going to increase and improve income for me and my family. Last week I had an accident with my equipment and my renters insurance send me funds to fix it. The funds were transferred to my savings acct to fix the issue and Bank of America too the funds. Just found out they took it for the charged off loan. Im not too happy of the way things were handled they did not attempt to contact me. Notify me or make any arrangements. They forced me to make an arrangement now which it will be difficult since my gf still unemployed due to COVID but they didnt care. They said that I agreed to that back in 2005 when I open the bank acct with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently sent a letter to XXXX, Equifax, and XXXX  on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently sent a letter to XXXX, XXXX, and Experian on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2021-05-14 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: Convergent Resources, Inc.
State: UT

Complaint narrative:
Convergent Outsourcing is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Convergent Outsourcing is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Sequium Asset Solutions, LLC
State: UT

Complaint narrative:
Sequium Asset Solution is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If Sequium Asset Solution is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I initiated a {$30000.00} wire transfer to XXXX XXXX XXXX to be deposited into my Binance US account on Monday, XX/XX/2021 at XXXX EDT. XXXX XXXX XXXX is the financial custodian for Binance US. The policy for wire transfers into a Binance US account is no more than 3 business days. The only way to reach Binnance US customer support is by opening a support ticket. I have opened two tickets, one on Wednesday XX/XX/2021 and again today, Friday, XX/XX/XXXX with a copy of my wire transfer receipt showing all pertinent details along with the reference code to my specific wallet on Binance US. The funds still have not been deposited into my account after 5 days. I have had no response from their customer support and there is no phone number to call. Any help you could give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
All three credit bureaus Transunion XXXX  and XXXX ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected

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 2021-05-14 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: MI

Complaint narrative:
I have disputed erroneous accounts with Experian and XXXX  for many months without any responses sent back to me from the credit bureaus. The accounts listed in the attached file should be removed as the credit bureaus have violated the Fair Credit Reporting Act. I have attached the most recent letters sent and have provided the certified mail receipt numbers as evidence to the credit bureaus receiving my letters. 

Certified Mail Receipt Numbers XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian

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 2021-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I was contacted by someone on XXXX on the XXXX of XXXX telling me I won something from current and XXXX XXXX I contacted my bank and sent them screen shots and the lady that I spoke to her name was XXXX assured me that I was ok and nothing would happen. I got paid that day around XXXX and by XXXX someone had taken money out of my account. I woke up about XXXX and looked at my account because I had been worried about it all day and there it was someone took XXXX $ out of my account. I am skeptical because this just happened to my XXXX account. So again I contacted the bank people and they said it would take up to 90 days to get finished not even 24 hours later I get a notification of them saying they fixed the problem I go in my account and the only gave me what was left in his account which was {$500.00}. I am now short {$490.00}. it is the banks fault there security failed. I told them immediately when I thought I had done something wrong and they didn't even care they just brushed me off and now I'm losing over half my check. They have proof that my money was stolen but refuse to give me bck my full amount they are FDIC insured this is illegal that I did not get back all my money because the bank fail to protect my account. 
The Bank : Current Banking ( Issued By XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on 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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information is incorrect with Equifax, XXXX, and XXXX. They all have inaccurate personal information on my credit report.

Company response to consumer: Closed with explanation