vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-29 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: OH

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
Sent a Debt Verification Letter to Fidelity Creditor Services on XX/XX/2021. They responded with an Invoice that does not verify any debt belonging to me. I'm asking for documentation verifying I accepted that debt. I have never lived in XXXX XXXX where the debt originates per the credit report. Please provide verification of this debt owed or remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I moved out of my apartment in XXXX, Fl back in XXXX and cancelled my electricity before we moved. Time flew by and I forgot to pay my final bill. I recently saw a collection through the company Helvey & Associates go on my credit report and immediately disputed it. I called the company and asked for information and asked why I was never made aware of it. They told me they dont ever call and they told me they sent a letter to my old apartment which I no longer lived at and had no access to the mailbox. I asked for the collection to be taken off my credit report and I would pay the full amount of the debt but the lady I talked to kept repeating that it was my fault and they wouldnt remove it, all while I was trying to resolve the matter and settle this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
In 2017 my wife of 25 years XXXX XXXX XXXX XXXX and I, XXXX XXXX XXXX, looked at a townhouse in XXXX, Alabama with XXXX XXXX, a Realty South real estate agent in XXXX, Alabama with XXXX XXXX, a Quicken Loans mortgage originator in XXXX, Michigan starting a mortgage application for us. 
Unfortunately after we began the application process, my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
Unfortunately we could not close on either property, the first townhouse in XXXX, Alabama in XX/XX/2017 XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) or the second townhouse in XXXX, Alabama XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Quicken Loans ) in XX/XX/2017, because my wife of 25 years XXXX XXXX XXXX XXXX threatened me with a divorce. 
We have been renting an apartment at The XXXX XXXX in XXXX, Alabama since. I have not received my personal financial paperwork back from XXXX XXXX since not closing on either property because I thought we were divorcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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: CITIBANK, N.A.
State: WY

Complaint narrative:
XX/XX/2021 Macys American Express Cr Card number : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WY XXXX ( XXXX ) XXXX I called Macys American Express twice to dispute a charge that is on my account. I cant do it online because the system does not allow me to put the dispute through. I called Macys American Express and customer service completed my dispute on the XXXX of XXXX. A few days later I looked at my account and noticed that the dispute is not recorded. I called Macys American Express again and they told me that they recorded the dispute on the XXXX. I looked at my account to find that the dispute is not recorded. 
I am reporting Macys American Express for not honoring my wishes. XXXX XXXX XXXX overcharged me by {$3000.00} in total. I want to recover the whole amount and part of this was paid with Macys American Express. 
When I called Macys American Express, I found out that Citibank owns them. Citibank is a fraud and should not be allowed to operate! 
I am demanding to have my dispute honored and my funds returned to me. I decide over my money and not Macys American Express/Citibank XXXX 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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: CA

Complaint narrative:
Company, GreenSky, is trying to collect a {$17000.00} debt. I have called GreenSky many times about this issue since 2016. They have been reporting negatively to the credit bureau. Multiple times I have asked GreenSky for a signed contract they have with me. One representative of GreenSky says they do have a contract and that they will send it out by email. Another representative of GreenSky said they will mail it out. A third GreenSky representative says they dont use contracts. All representative have said different things when I ask for a signed contract. Im still waiting for signed contract through email and mail. They will never send me a copy of a signed contract because they dont have one with me. GreenSky representative say they have tried reaching out to a company called XXXX, to respond about my complaint. I have asked GreenSky if I can have the number to XXXX  so I can call them. GreenSky responded that they dont have information about XXXX. I scratch my head and wonder, why doesnt GreenSky have information on a subcontractor or business they are doing business with? And why would GreenSky be billing me if they dont have a signed contract with me? Why would they be reporting to my credit bureau if they dont have a signed contract with me agreeing to charges and or debt? Something really wrong with this GreenSky business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I HAD MEDICALIL INSURANCE THEY NEVER BILLED THAT I HAD XXXX XXXX XXXX XXXX, I HAD XXXX AS XXXX, I XXXX, THIS IS A BILL FOR! XXXX $ I GAVE MY INSURANCE INFORMATION I HAVE 2 BILLS WITH THIS COMPANY AND I GAVE MY INSURANCE INFORMATION AND THIS BILL IS STOPPING ME FROM RENTING A APARTMENT I AM 23 YEARS WITH MEDICAL DEBT

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 2021-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
THIS COMPANY XXXX  XXXX HAS ATTEMPTED TO COLLECT ALMOST 600.00 FROM ME FOR A DEBT OF XXXX, THE CREDIT LIMIT ON THIS CARD WAS {$300.00}, THEY HAVE DOUBLED IT BY THEY HAVE SENT LETTERS AND EMAILS, TO MY PARENTS HOUSE, HAVE ASKEDD MY MOTHER IF SHE WASS MY WIFE AND ASKEDTOLD HER SHE WAS LIABLE FOR MY DEBT BECAUSE, WE ARE MARRIED THIS DISCLOSED TO MY MOTHER WHOM THEY THOUGHT WAS MY WIFE, MY AMOUNT OWED, AND THE REPERCUSSIONS, IF SHE N I DIDNT PAY THIS BILL, THEY CALL 4 TIMES A DAY, MY MOM HAS ASKED THEM NOT TO CALL, SEVERAL TIMES, FINALLY THEY told her, she was spouse and this was our debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: GA

Complaint narrative:
On XX/XX/2021 I sent a certified letter in regards to a letter I received onXX/XX/2021from Capital management service LP, regarding this alleged debt. I requested that they send me validation of this debt and they sent billing statements. OnXX/XX/2021I sent another certified letter indicating : :You are hereby requested to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

2. You are also requested to CEASE and DESIST contacting me with regards to this matter, unless it is to notify me via U.S mail that you will be terminating all attempts to collect this alleged debt. 
You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it. 

They responded back with the same documents that they previously submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Chase Card Services XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Chase debit card charge Acct # XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX GA Date : XX/XX/2021 Amount : {$100.00} & {$470.00} [ Total charge : {$580.00} ] Reason for reversing charges : Order was placed on XX/XX/2021 & the merchandise was never delivered. 
The Shipping company was contacted, and still there was no delivery made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a XXXX Balance and Closed Account with XXXX XXXX, as of XX/XX/2021. 
On XX/XX/2021 XXXX XXXX of Obudsman and XXXX XXXX  XXXX reported a Negative Remark to XXXX, impacting my credit score -54 points. 
I NEVER disputed my XXXX  Credit Report during the previous months, so why did XXXX or XXXX add Negative Remarks to my XXXX  Credit Report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 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 — Their investigation did not fix an error on your report
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have a XXXX Balance and Closed Account with PHH Mortgage, as of XX/XX/XX/XX/2021 
On XX/XX/ XXXX XXXX of Obudsman and PHH Mortgage Servicers reported a Negative Remark to XX/XX/XXXX impacting my credit score -54 points. 
I NEVER disputed my XX/XX/XXXX Credit Report during the previous months, so why did XXXX or PHH add Negative Remarks to my XX/XX/XXXXCredit 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 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shell Point / New Rez, continually harasses me to refinance my existing loan. 

They are offering Predatory Lending scenarios that simply have no Tangible Net Benefit for my financial welfare. I have asked them to end my MI and have been given the runaround. The last straw is the letter I just received showing a schedule of my MI continuing into XXXX, and trying to scare me into a new loan. I have in my Closing Documents a Scheduled payment report showing clearly that my last MI payment will be XXXX of XXXX. 

This is very troubling as they must be doing this to many other unsuspecting borrowers. 
Offering a teaser rate and then, in the end, the APR is higher than your existing rate is simply Predatory and false leading. Misleading consumers about MI insurance and using this to get people to refinance with them must be stopped, Thank you : 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 2021-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened a MasterCard with XXXX and they closed my account due to inactivity after about a year without informing me first, negatively impacting my credit score even though I was waiting for a replacement card that never came.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation
State: VA

Complaint narrative:
This company XXXX XXXX XXXX ALSO known as USCB says that I OWE $ XXXX. I have disputed to them numerous times over a 2 month period that that account was not accurate and i asked them if they could provide me a documented copy of my signature on paper. Ive requested to them with my disputes that they remove this incorrect item off my credit report and update immediately. I have not received any response nor have I received any removal off my credit report. I have reached out to them via phone and no luck there either. I know this account is incorrect and I need them to remove the debt 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 2021-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I created an account to do a couple of background checks on renters for my one rental property. 

The website " links '' don't work. 

Information is supposed to be available for 30 days and within that time period, I CAN NOT access information. 

There is NO receipt for a background check that costs {$40.00}. How is there NO receipt for a transaction I paid for with a credit reporting agency. 

I can NEVER login and ALWAYS have to create a NEW password. 

This company seems like a scam and is extremely unprofessional.

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 2021-05-29 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: LoanCare, LLC
State: NY

Complaint narrative:
The following accounts was never authorized to report on my credit report and is hurting me from obtaining any posable credit out there. Please see below the list of accounts reporting on my report that should not be reporting on my report : 1. Identity Theft LOANCARE LLC Account Number : XXXX**** This is not mine.

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

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. Identity Theft XXXX XXXX Date of inquiry :XX/XX/XXXXThis 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 2021-05-29 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: CA

Complaint narrative:
I wired Binance.us {$10000.00} on Sunday, XX/XX/2021. I paid extra for a " same day '' wire. It could not actually be done the same day since it was Sunday, but Binance had the funds by very early Monday morning ( I have confirmation from my bank on this ). Yet, 5 days later, the funds are still not in my account. There is an entry in my ledger that has said " Processing '' all week. 

They have no customer service phone number. They say the only way to resolve problems is via their ticket system. But, I filed a ticket on Monday ( and filed follow-up tickets ). They do not answer the tickets. 

This is a banking service. Delays cost people money ( assuming that this is just a delay, and the money has not somehow gone missing ). Binance needs to rectify this immediately. 

Additionally, I do not think any business that is effectively a bank and moves around large sums of people 's money should be able to just not have any live customer service. I do not know if there are any regulations to this effect, but if there are not and CFPB has any say in such matters, I would suggest that being contactable, the same day ( at least during business hours ), should be a requirement for a bank.

Company response to consumer: Closed with explanation