vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
Back in XX/XX/XXXX I discontinued service with XXXX  and sent all the equipment back. I did everything I was supposed to do. Then in XX/XX/XXXX, my credit score dropped and I see that XXXX  sold my account to a debt collector. It put a collections on my account for the equipment not being turned in. I disputed the charges and called XXXX  directly. They stated my account was Paid in Full and weren't sure as to why it was put in collections. That dispute was deleted. Then in XXXX of XXXX another collections was added to my credit report for the same thing! I disputed that as well and it was taken off! NOW AGAIN ... XX/XX/XXXX same creditor put the collections on my account. I've called XXXX  and could not get ahold of anyone. Called MRS Associates ( The collection company ) who stated they could not find my account, and I reached out to XXXX  ( Original creditor ) and they AGAIN stated they show my account being closed and in good standings! I want this to stop and want to know what actions I can take to make sure this doesn't happen a 4th time!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My Identity was stolen multiple accounts have been opened using my name and social security, I have disputed this issue with Experian with no result, Spoke with XXXX on XX/XX/2021 at XXXX, he informed me he could not provide the full account numbers on my report. I explained that I wanted to compare statements and account numbers between all three reporting companies BECAUSE ALL 3 companies ARE REPORTING DIFFERENT INFORMATION, ACCOUNTS THAT ARE CLOSED on XXXX  AND XXXX  RELATED TO FRAUD ARE REPORTING OPEN ON EXPERIAN, I tried to dispute on line at EXPERIAN, and IT TELLS ME TO CALL EXPERIAN TO DISPUTE AND I CALL AND XXXX TELLS ME TO CALL THE CREDIT CARD COMPANY WHICH I HAVE DONE WITH NO RESULTS. I have sent letters of validity to each credit card THAT IS FRAUDULENT with no response from the companies for the accounts I am questioning.LETTERS NOW ARE OVER 30 Days. I sent CERTIFIED. 

I HAVE A RIGHT TO COMPARE CREDIT CARD NUMBERS WITH EACH REPORTING AGENCY TO MAKE SURE THE ACCOUNTS MATCH MY CREDIT CARDS AND NOT THE FRAUDULENT ACCOUNT NUMBERS AND BALANCES ARE CORRECT. 

CREDIT CARDS NUMBERS CAN BE DIFFERENT BY 1 NUMBER SO I HAVE A RIGHT TO KNOW THE ACCOUNT NUMBERS IF THEY ARE UNDER MY REPORT> XXXX  PROVIDED THE NUMBERS-THEN WHY CANT EXPERIAN YES XXXX  GAVE MY THE FULL ACCOUNT NUMBER FOR EACH ITEM ON MY REPORT TO CLARIFY AND VALIDATE WHAT IS MINE, WHAT IS ACTIVE AND HAS BEEN CLOSED and TO VALIDATE THE FRAUDULENT ACCOUNTS. 

EXPERIAN HAS CAUSED ME STRESS AND ANXIETY AND HAS BEEN OF NO ASSISTANCE- YES I HAVE SENT EXPERIAN THE POLICE REPORT, MY IDENTIFICATION TO VALIDATE MY IDENTITY. 
I NEED ASSISTANCE IN OBTAINING THE FULL ACCOUNT NUMBERS

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 2021-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Starting on XX/XX/2021 I was unable to use my Apple Credit Card issued by Goldman Sachs on both Apple Pay and the physical card. I contacted support immediately and they told me that my account was under review, but they wouldnt tell me why or provide any details. They also were unable to provide a timeframe on when I would be contacted to verify my identity. I contacted them again on XX/XX/2021 and I received the same response : no verified time-length when it would be completed, and Im still expected to pay the card and fees while being unable to use the card. Ive never been late on a payment nor has the account ever been delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for Exeter Finance. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on XXXX. Please see the attached credit reporting and letters submitted to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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:
It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for XXXX XXXX. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on Equifax. Please see the attached credit reporting and letters submitted to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Secured Resolutions, LLC
State: NY

Complaint narrative:
This Collection Agency Secured Resolutions LLC is attempting to collect a Debt for a XXXX XXXX XXXX in the amount of {$1600.00}. Several attempts have been made to reach out to this company to attempt to resolve this, this is fraudulent and is not verifiable debt, this is not my debt. I have received nothing from this collection agency and they can not be reached. I have disputed this several times on XXXX XXXX and with no luck it seems to stay on my credit report, but the agency will not contact me back about the matter. Again this is not my account and they can not verify it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
a late payment was reported on my credit on the month of XX/XX/2021. This is the only time I see a late payment on my credit but it is not due to me not being able to financially make the payment it is actually because the whole state of Texas had a winter freeze that month and we had a major power outage we didnt have cell phone reception no Internet reception we also did not have power it was a state of emergency for the entire state for the most part of almost 2 weeks. My father had told me to reach out to you guys regarding this late payment because I am actually in the process of trying to fix my credit to purchase or my first house for my family and in doing so he told me about the CARES Act regarding the late payment forgiveness and told me to write your company requesting a one time late payment forgiveness. This was a legitimate un-natural crisis that took place on XX/XX/2021 in XXXX TX please delete the late payment off my credit report thank you. 

Exeter is being unreasonable in removing the late payment after a crisis that took place in Texas on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
About a month back I received a letter from Fortiva credit saying that if I didn't cancel the card they would charge me {$99.00} even though I had only used the card through a zero interest deal on a guitar from 2 years ago. 

I called the company immediately and asked why they sent the letter when my account was already closed for over a yearly. The person on the phone assured me I wouldn't get billed and my account was closed. I have the phone call recorded and it backs up my story. Then to make sure I went on the company chat feature on their website and they told me again not to worry it was cancelled. I also saved screenshots of that conversation. 

Today I received a letter saying I owed them {$99.00} for a yearly fee, with a {$34.00} payment due by XX/XX/XXXX or I would get a {$49.00} late payment fee.. I called the company in Georgia and explained I had cancelled the card, and I have the phone recording, and screen shots of the chat to prove it. 

The person on the other end asked if I was recording the current call and I told them that I was recording and it was perfectly legal in Minnesota where I was calling from and in Georgia where they claimed to be because they are both 1 party consent states. At that pint he said that he couldn't speak to me if I was recording. I asked to talk to this supervisor and he claimed it takes 2 days for one to call me back. Then he hung up on me and blocked my calls. 

At this point they've gotten no money out of my account, and my bank has put a stop payment on the company. My biggest concern at this point is these scammers are going after people that possibly can't defend themselves, or that don't keep proof of what these scammers are saying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This company is currently showing 30 days late for the month of XX/XX/XXXX and 60 days late for the month of XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orion Capital Solutions LLC
State: TN

Complaint narrative:
I received a voicemail on my cell phone on XX/XX/21 from a XXXX with Orion Capital Solutions. I called back and XXXX was not available to but the lady who answered said she could help me. She confirmed only my name and birthday before telling me that I have $ 700+ debt with XXXX and XXXX. I explained to her that I've never purchased anything from either of those companies but I have been the recent victim of identity theft and have my FTC Identity Theft report and police report available. She insisted that it doesn't matter because it must be someone I know because no one would make payments on a debt if using a stolen identity. I told her I don't know who it was, but I was a victim of identity theft and I can provide documentation. She continued to insist that " since its attached to your name and your social you're responsible for it no matter if it was you, someone you know, or identity theft ''. She was rude and very disrespectful. She gave me an email address that is not mine, she gave me a mans name associated with the email address that I did not know. I asked her if she had anything she could send me because this debt is not mine. She got rude then and kept interrupting. Eventually I told her either send me debt validation or stop calling me. 

About 5 minutes later I get a call from my EX mother-in-law saying they called her to ask where I am and told her I'm in trouble with the law. They GAVE HER my name, DOB, and last 4 of my SSN. As soon as I hung up with my mother in law my dad called me and said he had a voicemail from this place saying they are tracking me and need to know where I am. This is all AFTER I already spoke with them. I don't know who they are but they should not be giving my personal information out to anyone they find in a phone book. And they should be taking a FTC Identity Theft and Police Report seriously not telling me that because she thinks she knows how criminals work, that she's judge and jury on whether or not this was identity theft.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
On XX/XX/2021 midland credit management email me regarding a debt i do not owe with XXXX XXXX XXXX : nor have knowledge of. I have attempted to resolve this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I have called and emailed this company and they cant find an account for me. This is not my account I didnt open it. They also keep increasing my balance XXXX dollar and my score drop 40 points each time. 
This is the email I received from the company verification that it is not under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: UT

Complaint narrative:
have and accoung with coinbase to buy and sell bitcoin. on XX/XX/XXXX was my last transaction on XX/XX/XXXX I got notice that my account had been changed. I did not do this I call the XXXX number and suposidly locked the account but not before XXXX in coin had been stolen t then my bank account was hit with another XXXX and XXXX and they found one earlier in the month for anther XXXX was with drawn from my account without my permission. now they are saying I owe them XXXX or more in funds that I barrowed from them on the XXXX or XXXX to buy more crypto. this is not right I have been sending emails regular since XX/XX/XXXX but they now refuse to even answer them saying I owe them money. can you please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 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: NJ

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: NJ

Complaint narrative:
Us.Binance.com will not let me deposit my USD from their application into my bank account. I submitted a support ticket in XXXX of this year and my account is fully verified. The USD in my account can not be withdrawn due to risk management and they have not responded to my support ticket in 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
My Amerihome Mortgage statement for XX/XX/2020 was the Annual Escrow Account Disclosure Statement. ( Attached Exhibit A ) My escrow had a shortage of {$700.00} 67 - due XX/XX/2020, if paid my new payment starting XX/XX/2020 would be {$1200.00}. If the shortage was not paid, my new payment would be {$1200.00} and due on XX/XX/2020. 

I mailed the bottom of the original exhibit A and two separate checks in the envelope to Amerihome Mortgage. The checks were received and deposited on XX/XX/2020. ( Attached Exhibit B ) When Amerihome applied the checks they simply combined them and took {$1200.00} and made the newer higher payment. Then they took the balance which was {$640.00} and applied it to the loan principle. This miss application started a nightmare i have been unable to get out of for over a year.

When I realized what happened I called and have made so many phone calls to fix this issue. There have been so many corrections and reversals that I cant even figure it all out and no one will help me from Amerihome. My account currently shows me a payment behind with hundreds of dollars of late fees, which i do not owe. There is money in a suspense account. last time i called the agent was gon na make the missing payment but its still in suspense. 

I talked to an attorney who drafted a letter i sent to Amerihome to try to gather the documents to resolve this. ( Attached Exhibit C ) I need someone from Amerihome to audit my payment history, On my end I have paid every payment on time and never late yet i am charged a late fee every month. When i have called they will remove them but its a hassle and i am sick of this! I received the documents and a letter from Amerihome " XXXX XXXX '' and the letter states to call with questions Monday - Friday XXXX to XXXX XXXX  eastern standard time. ( Attached Exhibit D ) Supposedly it came from the Office of the Customer. I HAVE CALLED THIS NUMBER FOR 3 WEEKS- NO ONE ANSWERS - SAYS ITS AFTER HOURS BUT ITS NOT. I HAVE LEFT MUTIPLE MESSAGE AND NEVER BEEN CALLED BACK. 

There are mistakes in my history that i do not understand. Please look at the highlighted sections of payment ( Attached Exhibit E ) after late charges are removed and suspense money released for missing payment, I figure I am still short {$55.00}. Amerihome needs to dig into the account and find that {$55.00} shortage. Is it from the first miss application? Is it in my escrow? I dont know but i know I have paid every payment on time and for the correct amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Suntrust has incorrectly documented my insurance coverage and is sending me letters that I do not have sufficient coverage. They are threatening to buy insurance on my behalf and bill me for it. I have uploaded several documents regarding my condos master policy and walls in policy and they have still not changed their documentation. Their website ( XXXX XXXX XXXX ) still insists I only have {$5000.00} of coverage which is not the case. They are not controlling their processes. The phone number to call does not reach a person also.

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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we submitted a complaint re : Planet Home Lending. The complaint was closed # XXXX as Planet HL wrote a letter and notified credit reporting agencies of their error. The letter corrected the XX/XX/XXXX payment but attached an AUD report form showing delinquency for seven months! Planet DID NOT own the loan for these months. 

This month we applied for a new mortgage and found that Planet HL still has not corrected the errors and indicates we were delinquent in our payments to them for seven months. Planet HL sold our loan to XXXX XXXX  and all payments were within timelines to XXXX, not Planet. After numerous calls, they agreed to open a case to look at the errors. We have not had a response from them at this time. 

This issue has gone on for 2 years! Its past time they get it fixed or we will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: DC

Complaint narrative:
I am writing this due to non-compliance with the CRA ( Experian ). 


They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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