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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.

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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i sent a letter XX/XX/2021 more than 30days ago. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MS

Complaint narrative:
The only reason I found out about this fraudulent debt is because my credit score dropped 52 points on XXXX XXXX. This is the second time and both times I contacted every doctor Ive seen in the last 10 years and none use XXXX XXXX XXXX XXXX XXXX or Phoenix financial services. Both were for {$66.00} and I had to submit a claim to the credit bureaus. Its not my debt. I believe it is a scam. I never received any notification at all that it existed. They just showed up. I managed to call the collector last year but it took 2 weeks and they hung up on my when I wouldnt give them my social in exchange for the contact information on XXXX XXXX XXXX. I called several different campuses owned by XXXX XXXX  now known as XXXX XXXX talked to several financial officers and billing specialists in clinics and hospitals and I have no EOB from my insurance company for the alleged date of XX/XX/XXXX or any other date. I checked through all my papers and looked online. It feels like Im being hustled and if you check on this collection agency XXXX  page or general websites MANY people have said the same thing happened. This is ridiculous.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
To whom it may concern on XX/XX/2021 I provided EXPERIAN, XXXX XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

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 2021-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
In reviewing my credit report I found items from a debt collector. I didnt recognize this company because I have never done business 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 2021-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To whom it may concern on XX/XX/2021 I provided XXXX TRANSUNION, XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XXXX I was contacted by a debt collector called ( NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX, XXXX, GA XXXX XXXX. They informed me that there is a debt on my account from my previous apartment. I asked them what the reason was and they said it was due to a ruined carpet/rug and utility bill. I offered to send them pictures and bill proof to prove that I left the apartment in good condition since the leasing office refused to do a walk through with me but they declined. I asked for an evidence of their claim and they didn't respond nor provide them. I didn't know that they had already put an adverse report on my credit history ; sometime in XXXX, XXXX, when I ran a credit report, I found the adverse report and contacted. They said they were in the process of passing the case on to a lawyer and would be heading to court. I am a foreigner and the thought of going to court for something I didn't do, is so scary ; so I asked them what I needed to do and they said to pay every dime off and that it would be out of my report. I went ahead to pay for something that I knew absolutely nothing about all in the vain of continuing to live peacefully. I ran a credit report today ( XX/XX/XXXX ) and to my surprise the two negative reports are still in my 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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
To whom it may concern on XX/XX/2021 I provided XXXX XXXX, EQUIFAX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I received the check. My name was spelled wrong it caused every major bank to deny my check deposit I ended up going to a XXXX where I ended up spending over {$2000.00} in fees due to a mistake on the end of hsbc. I want the check to be reissued by hsbc with hsbc funds due to this careless frustrating headache Ive endured for over half a year. I want them to resend the {$20000.00} to me using their money because if it wasnt for them I wouldve never experienced any financial hardship. That video I sent should count for some type of evidence against them in my claim. I have been wronged and I expect to be redressed immediately. There has to be some kind of consequence for corporations that break the law. I suggest the federal governments all over the world seize and control all financial corporations to make sure they all follow the rules to ensure the safety of the corporations and especially the consumer. Nobody is above the law I mean nobody. 







I have proof of being mislead, misinformed and, I also have proof of hsbc denying me my inalienable rights deliberately for capital gain. I deserve to be redressed and hsbc deserves to be disciplined for the inadequate unacceptable shoddy workmanship I have endured. Nobody is above the law not even banks. I do not deserve this type of treatment. I should never be deliberately victimized by anyone especially hsbc or anyone like them overly for capital gain. Im forever scarred from multiple banking experiences involving these majors corporations breaking the law for capital gain. I honestly want millions of dollars. I mean I know you guys cant give me legal advice but I do believe in America and Justice I do also believe the cfpb will not stand idle and let this type of corporate corruption affect innocent unwary American civilian in any way

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: Convergent Resources, Inc.
State: WA

Complaint narrative:
Convergent Outsourcing is reporting to XXXX  that I have an unpaid collection account with XXXX from XX/XX/2019. I have had no such account with XXXX nor with Convergent Outsourcing from 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My issue is with PayPal and it's payment to service industry merchants, in particular hotels. I have attached a screenshot of the issue. The hotel originally authorized the amount of XXXX for my stat for the night which was deducted from my account balance. The hotel then completed the transaction on the same day for {$74.00} this allowed for them to collect on both amounts even though it was for the same stay. My balance was {$130.00} after the {$77.00} was authorized and remained the same even though the later completion was for a lesser amount of {$74.00} this has happened multiple times. Last year they were able to catch the mistake however this year it seems the authorized amounts simply disappear and the authorized amount gets collected as well as the completed amount. So instead of receiving only {$74.00} for the nights stay the hotel collects on {$150.00} the authorized amount, though deducted from my balance never gets released back to the account and in addition to {$77.00} both are taken from my available balance.

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: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
This complaint is about the company XXXX ( formerly TransferWise ) which I use frequently for sending money abroad. However this transaction was between two USD accounts. Both accounts are XXXX accounts, that of myself and my sister. 

The fundamental complaint is that on XX/XX/2021 XXXX sent XXXX to an account without confirming the name on the account matched the account number. I had mistyped in the account number ( transposing the last two digits ) of my sister for whom the money was intended. Thus the funds went to an account with a name which did not match the number. 

Note that : ( i ) The receipt I received on both the phone app and the website indicated the transfer had gone to the right place - ie they contained the name of my sister. Only the emailed receipt ( which I would not normally check, but happened to see within a few minutes ) contained the name of a person XXXX XXXX who is unknown to me. Thus a secondary complaint consumers might be concerned about is that this process has leaked the name and account number of a customer of theirs. 

( ii ) Both accounts ( sending and receiving ) are accounts with XXXX. So they clearly have access to the relevant information. 

( iii ) Because both accounts are with XXXX the transfer happens instantly. They proudly announce this fact to you. When XXXX sends money to an external account it takes time and you can cancel the transfer if you notice such an error up until the time it has actually happened. Therefore the onus should be on XXXX to at least confirm instantaneous details to which they have instantaneous access if they are going to transfer instantly. 

( iv XXXX XXXX does ( presumably by law? ) confirm names on accounts for many transfers because there are varuous things ( daily limits etc ) which are different when you are transferring between accounts in your own name versus ones in other names. 

( v ) XXXX had asked for access to my contacts, and therefore could find my sister 's account via that mechanism ( which presumably would then have the correct account details ). There is no way to identify within the app whether the person you are sending to is someone you have manually entered ( and therefore should check more carefully ), or that they have automatically added to your list.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
My refinance was completed XX/XX/XXXX. My Lender is XXXX XXXX XXXX XXXX California ( c the mortgage company handling my mortgage is Dovenmuehle Mortgage XXXX Inc.. My first payment I made was XX/XX/XXXX. I have been experiencing several issues with the Credit Union ... and Dovenmuehle, as I try to make principle payments. I called CUSC on XX/XX/XXXX, to set up auto pay. After experiencing months of issues with auto pay, I had to manually pay my mortgage and principle. I was locked out of my mortgage online payment in XXXX and XXXX, because it showed I paid my mortgage, and I had not paid. On XX/XX/XXXX, I contacted CSUC when I couldn't make my payment, and a Dovenmuehle representative helped me. The Rep. also, told me she put a note on my payment with the amount for the principle. 
XX/XX/XXXX I called again XXXX to get help to make my payment. Again, I was transferred to Dovenmuehle and had to deal with a reprentative for 1 hour and she was not helpful. She refused to pass me on to a manager. Eventually, she passed me to a mortgage representative who said he completed the transaction. The representative also said, he was sending me a receipt for the transaction. Which I never received. XX/XX/XXXX, I recieved 4 confusing notifications from XXXX. One said, I owed my regular mortgage for XXXX, another said, I owed {$2700.00}, and another said I owed my XXXX mortgage payment? I was very confused!! I looked at my account and found my XXXX mortgage was still in my checking account. I contacted XXXX asked to speak with a manager and I was passed onto a customer service supervisor, who transferred me back to Dovenmuehle. This time I spoke with XXXX who is the manager and he reassured me that he would complete the transaction including add my additional principle. I trusted XXXX because he is the manager and he waived my late fee. XX/XX/XXXX I received a dedelinquent notice from XXXX. I was very upset, and contacted XXXX, who ressured me he completed my mortgage payment, but forgot to complete the principle. 
I believe I have been so patient ... and I honestly I no long trust this mortgage company. I paid {$3000.00} in fees during my closing cost. I would like to get help with getting a portion back, so I can find another mortgage lender. Please provide me with feedback. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX I have been a victim of identity theft I finally caught some very scared important information and I fear my life this person has gone acres of third partie connection with company involved GoogleXXXXXXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX, I have the vin numbers, my unemployment, credit cards, XXXX XXXX, XXXX, XXXX XXXX devices, XXXX XXXX, XXXX as well, and other websites shared with other people this has tore my family apart financially and emotionally XXXX  already struggling to make ends meet and to come to find out I had a scam watching me and my account social ect, this whole time I have made a police report and I have screen shot from and XXXX and other information that my help this person has been using every single number I have owned my current number is XXXX and thanks to this XXXX  XXXX number I just got with this new low income company I was connected to information that was given to me thank you please contact me for information are email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
XX/XX/2021 I was holding XXXX XXXX XXXX tokens in my Trust Wallet. I transferred said tokens to another wallet with no issue. I transferred again to the Coinbase wallet. The XXXX tokens never showed up in the wallet, although the XXXX transaction history shows the proper accounts were used for the transaction and shows successful. Coinbase was contacted through email customer support. Canned response was received saying they needed more info. Response delivered. Another canned response restating more info was needed. Same reply delivered. No action. Another 'case ' was opened after four hours of no response. Same canned responses received, similar replies sent, twice. No action. Another case opened. Same routine. No actual response or human acknowledgement from Coinbase. The value of the transfer at the time of the original transfer to Coinbase wallet was about {$60000.00}. It is now around {$120000.00} and growing. I have screen shots of values, screen shots of transactions, and most importantly the XXXX transaction hash which shows the entire transaction history. In my estimation, Coinbase either needs to pony up and give me the current value or return the XXXX XXXX tokens to my trust wallet. These tokens were sent to the Coinbase wallet, but never credited to said wallet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
NAVY FEDERAL FORCED ME INTO DEBT.IN XX/XX/2021 I RECEIVED AN EMAIL STATING THAT IN XXXX A {$510.00} CREDIT WILL BE DEDUCTED FROM MY ACCOUNT.A CREDIT THAT I WAS NOT NOTIFIED OF, CONSENTED TO OR WANTED.WHEN I ASKED WHY DID THEY PROVIDE THE UNSOLICITED CREDIT, THEY STATED IT WAS FOR MY OVERDRAWN ACCOUNT, ALLOWING ME TO FULLY ENJOY MY STIMULUS,.. .BUT ; IT WAS DEPOSITED " AFTER I RECEIVED MY STIMULUS CHECK '' CONCEALED.I AM XXXX AND I CAN NOT AFFORD THIS.NAVY FEDERAL ALSO HAS ME BLOCKED FROM PHONE AND LOCATION ACCESS MAKING THIS ALMOST IMPOSSIBLE TO RESOLVE!! THE GLOBAL PANDEMIC AND MY HEALTH IS WELL KNOW BY NF.THESE ACTIONS FIT THE DEFINITION OF PREDATORY LENDING.

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: 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: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In mid-XXXX, I contacted UAS regarding > {$200.00} in interest being incorrectly charged on a loan in deferral. They acknowledged their mistake and claimed it would be fixed. On re-check, I see a similar amount again being incorrectly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
First one happened on XXXX of XX/XX/2021 while the second One happened on XXXX of XX/XX/2021 about XXXX. 2 vanilla cards of {$500.00} and {$200.00} respectively were sent to me by a friend but when I tried using them they were declined saying I had XXXX balance in them..

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I took out a Payday Loan with Speedy Cash in XX/XX/XXXX. They sold my account to Ad Astra, a collection company in XXXX. 

Speedy Cash unlawfully went into my bank account on XX/XX/XXXX, to deduct the full balance of the loan. I had no prior communications from them pertaining to this loan. I was not notified at all by them to discuss a payment.

Company response to consumer: Closed with explanation