vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I FOUND SOME ERRORS ON MY REPORT THAT ARE IN QUESTION, CAN YOU PLEASE SEE THE ERRORS I FOUND BELOW, THANK YOU FOR YOUR PROMPT ENGAGEMENT. 
I DISPUTED THIS ACCOUNT WITH XXXX XXXX AND XXXX. XXXX DELETED XXXX OF THE CHARGED OFFS ACCOUNTS BUT NOT THE THIRD ACCOUNT. THIS IS DAMAGING MY ABILITY TO GET A JOB.I DO NOT OWE ANYONE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/1798 Basic Attention Token and XXXX Bitcoin disappeared from my Coinbase account with no record of any such transactions. This amounts to over {$2000.00} lost by the company. I have tried calling them over 10 times, and the only people they let me talk to are low level customer service reps who barely speak English that have no idea what is going on, and they refuse to transfer me to anyone who could help. I have tried emailing them numerous times and I have only ever received automated emails in response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I called Finance systems of Toledo in XX/XX/XXXX to ask why they reported the closed/paid collections account on my credit report in XXXX of XXXX when this account was paid and closed XX/XX/XXXX of XXXX but the closed date was updated to XX/XX/XXXX and then XX/XX/XXXX. I was advised by a XXXX that he would give me a call back after he looked into the matter. I looked at my credit report in XXXX of XXXX and they updated this accounts closed date to XX/XX/XXXX. They are reaging the debt by doing this. I reached back out to them and was advised just because you paid the debt does not mean it will be removed. I advised the representative that my issue is with them updating the closed date as if it was just closed. I explained to the representative how this is negatively effecting me and he was very nonchalant and said we cant remove it sir I'm sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: CT

Complaint narrative:
EQUIFAX is an elaborate mechanism that has assumed its role in reporting on behalf of I the Consumer without my written instruction to do so violating my federal right to privacy. Under 15 U.S. Code 1681 ( 4 ) there is a need to ensure that consumer reporting agencies exercise their GRAVE responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumers RIGHT to PRIVACY. EQUIFAX is in violation of Federal law 15 U.S. Code 1681b ( a ) ( 2 ), I DID NOT give EQUIFAX a written notice to report on my behalf. EQUIFAX is violation of the following Federal Laws. 15 USC 1681e ( a ) - U.S. Code 1681a ( 2 ) ( B ) - 15 USC 1681i - 15 U.S. Code 1681e ( b ) - 15 USC 1681 - 15 USC 1602 ( p ) - 15 USC 1681e ( b ) - Regulation V 12 CFR 1022.3 - 15 U.S.Code 1681a ( q ) ( 3 ).

EQUIFAX is in violation under 15 U.S.Code 1644 ( a ) - Fraudulent authorized use of a credit card such as a license plate, social security card, EBT card, can result up to a XXXX fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Here is a copy of the email I received XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, Utah XXXX  XXXX, Thank you for applying for a XXXX issued credit card through www.avant.com or another third party provider on XX/XX/2022. Your application has been closed and we can not issue you a card at this time. 

Avant branded credit products are issued by XXXX, so you may see a new inquiry from these institutions on your credit report. 

If you would like a statement of specific reasons why we were not able to issue a credit card to you, please contact the application review manager at the address or email shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. 

XXXX c/o Avant Attn : Customer Support - Card Application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Information Obtained from Third Parties Additionally, our credit decision may have been based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. 


Sincerely, XXXX, XXXX XXXX XXXX, Utah NOTICES : FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, XXXX, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is : FDIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. 


XXXX*This also showed up on my credit reports. I never applied for this credit card. I emailed Avant and was directed to email you. Now what?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi good day! I've been using PayPal since last year but everything is running smoothly not until last week XX/XX/2022. Iv receive email that I can no longer use PayPal it never explain what's my fault. As this was my medium of payment as online freelancer. Ive tried to contact PayPal but representative said to be its can not be restored anymore. I have discovered how much of an inconvenience not having PayPal and I really appreciate If I can be given another chance. No longer being able to use PayPal has largely affected my life in so many ways especially this pandemic it is extremely difficult for me conduct with out PayPal I am very desperate to have my PayPal account back as it benefit me a lot. Once gain I'm begging you for humanitarian reason especially this pandemic time please grant my request. Hoping for your kind consideration Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Last XX/XX/2022 I spoke with a director named XXXX XXXX ID # XXXX to ask you to forgive me interest for an amount of {$430.00} originated by a purchase that was not paid at the time of the promotion I told him that if he paid the balance owed on that purchase, which was an amount of {$1000.00} could you forgive me interest. 

The director told me that of course yes, that it was a pleasure to do negotiation, and pay at that time {$1000.00} He told me to talk in two or three days so that they could forgive me the interest of {$430.00}. That he was going to leave notes in the system so that the forgiveness could be made. 
I spoke three days later and they told me that I was in the system, but that the cut-off day was going to be automatically reflected, which was XX/XX/2022. 

I spoke on XX/XX/XXXX because the interest credit was not reflected, but they told me that they were having problems with the system. 

Today, XX/XX/XXXX, I have spoken with 5 representatives and three of them tell me that the system does not allow them. I asked them to speak with XXXX XXXX XXXX and they tell me that they can not communicate with him The last two of the representatives left me on the line and hung up on me. 
I consider it disrespectful that I have paid the balance as was the agreement and now Barclays bank is not doing its part. 

I ask you please help me with this. 
Because my payment implied a decapitalization, and more in these times of lack of employment. 
I have never had delays in my account and I consider that they made fun of me

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 2022-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
The debt collection company ( Cavalry SPV I LLC ), sent unidentified individuals to my address on XX/XX/2022 and told my landlord about my debt and that they are going to arrest me on this date. My private debt matter has become public knowledge. 

When I requested any information to prove any account with Calvalry SPV I LLC the company sent to me documents in a unmarked envelope that did not prove any debt or account with them. Cavalry SPV I LLC, has been by my home several times over the course of a year, which lead me to believe their agents are watching me. The landlord had her XXXX  in the front of the house playing, while these unidentified men come looking around for me, the child is XXXX years old she now believes that I may be a bad person, because these men are looking for me. 

The agents told my landlord that they are going to sue me and that XXXX be taken to jail, over a debt they have no proof I owe to them at all. Its causing my landlady to be under the impression that I have committed serious crimes that I may be involved in a more serious matter aside from debt. 

These agents have come to the house many times, unidentified and threatening to put me in jail and to sue me. My landlord is not feeling safe to go and come as she pleases, which causes my living situation to be fragile, because theres no trust any longer. The landlord now knows about my private debt, because of the conduct of these vicious agents who keep coming by my house and telling her. They try to coax her into feeling unsafe, and she does. These men, who continue to show up and threaten to take me to jail and sue me makes my landlord uncomfortable. My debt has become public knowledge because of their conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Some one gained access to my prepaid bank off America account and spent XXXX $ I filed a claim at the begging of last year I was told I would recieve provisional credits nothing ever happend my claim was closed. Then I received and email saying they wanted to re open my claims, Still have not received the funds stolen from my account. I am the victim here I would like my money to be put back into my account in a timely manner my claim numbers are # XXXX XXXX # XXXX XXXX Bank of America phone number is XXXX Please help me

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 2022-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IA

Complaint narrative:
In XXXX I received a letter from my county saying my tax was delinquent and that my home was going to be sold due to a tax lien ( See Attachment XXXX XXXX XXXX notice front ). 

On XX/XX/XXXX I called the county tax office to figure out what was going on. When I investigated with XXXX XXXX, they said the last payment they received was on XX/XX/XXXX, and that they never received the XX/XX/XXXX payment. This is corroborated by the information on their website for my property, which is Attachment XXXX XXXX county current tax bill. 

The county said to contact the bank since they never got it. 

My mortgage recently was transferred to another servicer. 

The first servicer was Plaza Home Mortgage XXXX. In their account, they show my escrow balance as XXXX. This makes sense as the mortgage was transferred at some point earlier this year. Bit they also show an ambiguous escrow payment `` County Tax '' on XX/XX/XXXX in Attachment XXXX, plaza payment. It's clear this money was debited from my escrow. 

The second servicer is XXXX XXXX, and when I checked their escrow, there is no way near enough money in escrow to have made that attempt and no record of them making a payment. ( Attachment XXXX, new loan escrow ) So based on these findings I contacted Plaza Home Mortgage for resolution also on XXXX XX/XX/XXXX, at their customer service number XXXX. I spoke with a lovely lady named XXXX. She directed me to send an email to XXXX with my loan number and the words " Attn : Tax Department '' in the subject line, and advised that someone would contact me about that in 24-48 hours. 

I did so immediately, detailing the case much as I have here with attachments. 

It has now been over 4 days since I contacted them in the manner in which I was instructed and have received zero acknowledgment. I am concerned for my home, so I have made this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment

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 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
This company is trying to collect a debt from a company that no longer exist and that is a place that rents accomodations by month.

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 2022-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Volvo Car Financial Services ( VCFS ) offers a vehicle lease extension option on their website, for XXXX, XXXX, or 3 months. On XX/XX/XXXX, I selected XXXX and the automated response said I would hear back. 

When I did not hear back, I called VCFS today ( XX/XX/XXXX ). I was told they only extend leases when you have an order placed with a dealership. If that is the case, along with being a consumer-unfriendly policy, it is radically misleading to even offer the extension option on the website without this important qualifier. That is my first complaint. My attachments show the denial issued. 

Moreover, the VCFS representative told me on the phone I did receive a reply. I checked my email and recent voicemails. Had neither. But, it turns out, that yes, I did receive a denial via VCFS ' messaging platform. That messaging platform does not notify the consumer through any other means when you get a message. No email to say " you have a secure message '' or anything of the sort. Had a not followed up with VCFS, I never would have known. That would be my second complaint.

I am also attaching the full message history via VCFS ' " secure messaging '' which shows that the denial was made without my providing a single fact and was a denial that appears consistent with Volvo 's maintaining a policy of no extensions. I am also attaching a screenshot of the message I got when submitting an extension request ( for the purposes of this complaint, I just requested another extension via the website ), that suggests I'll be hearing back in 48hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My update account with XXXX XXXX, account number ending in XXXX has been sent to Experian, XXXX, and XXXX on XX/XX/2022. When i looked at my Experian credit report, they were the only company, to have an inaccurate balance on my report. the balance they have on my report is XXXX dollars when my is actually XXXX dollars.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There has never been any missed payments on my credit. XXXX had a system glitch and didnt process a payment. My credit went from XXXX to XXXX and i nor my mother XXXX XXXX has ever missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD BANK USA/TARGET CREDI Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Exeter Finance has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, Exeter is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through XXXX have resulted in the information continuing to appear in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
Scam calls. Do not know my name. 

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