vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Good afternoon, I got a debt collection letter with fraudulent charges from Transworld Systems Inc and XXXX, they are claiming {$740.00} dollars for an item that I bought from XXXX and was refunded because XXXX lost the package, the package was suppot to be delivery the same day or next day because the sender is in the same state ( florida ) but the package goes to XXXX witouth reason and they XXXX as delivery in XXXX, XXXX tried to recover the package for 1 week and finally they told me that the package was lost, I called XXXX since the day one when the package was going to the wrong state and the package was traveling for every single state in the US and XXXX never holded the package in a station after my claims, now they send a debt colletion letter 3 months after the package was lost and I got less that 1 month for paid the scam amount due if not they are going to report to the credit and impact re credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: VA

Complaint narrative:
I do not owe a debt to this collection agency. This collection purchased this debt from another collection agency I had removed on my credit and have been on my credit report for over six years. Statue of Limitations for Virginia requires this collection agency to stop trying to collect a debt thats not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Received a letter notifying me that the company SpeedyCash was turning my personal information into a collection agency due to unpaid loans. I never received any notification by mail or phone prior to this threatening letter. After several minutes and several phone transfers, the SpeedyCash representative advised me to get a police report filed so that the company will stop sending my personal information to a collection agency. After I filed the police report, it was discovered that SpeedyCash did not do their due diligence when giving out multiple loans in my name. They just gave the loans out to somebody with a completely different name and address with my SSN number. The detective stated that that is a huge red flag when giving out personal loans. SpeedyCash still has not put an alert throughout their company to let their people know NOT to loan any money out to somebody that is using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
around XXXX to XXXX XXXX of my money was withdrawn from my edd card. I never used my edd card for anything but to withdraw money from offical bank of america banks. i should add however a week or two before these mysteries withdraws atm swallowed my card and when i tried to get it back the bank denied me. saying they werent allowed to open the atm. So after months of waiting BoA indicated that they had determined that this was NOT a case of fraud and that the transaction was authorized

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 2021-03-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc
State: MO

Complaint narrative:
I am a former employee of Partners Financial Services in XXXX, MO. 
While employed, I managed the legal accounts, and when I came across accounts where there was a signed Page 2 of the RIC ( which we legally could not go legal on if it was signed ) I was instructed to remove the signed page of the PDF and replace it with a blank page that we had saved. We probably took illegal action on about 30 consumers with this method during the 7 months of my employment. Along with this, the debt collectors were constantly using harassing tones and language with the debtors. I apologize for my part in this, and since I was doing what I was told, I would like to see action taken against the company to assure fair debt collection acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a letter to the credit bureau in regards to items on my credit report that were inaccurate. It has been over 30 days and I still have not received a response and it has been a huge burden for me effecting my ability to apply for loans, both personal and for my business. According to the law I should have received a response to my disputes by now or the items should have been deleted/updated. I checked my credit score again a few days ago and the same items I disputed remain on my report and have not been updated. Some of the items on the credit report show late payments that I was not aware of. I take paying my bills on time very seriously. As I mentioned, I am a business owner and COVID-19 has affected my business and ultimately affected my finances. To my understanding the CARES Act went in to effect in XX/XX/XXXX and was suppose to protect individuals like myself from creditors reporting late payments on my credit report. The credit bureau can review my credit report and see that I have always paid my debt on time if not early prior to Covid 19. My credit report shows that I was never late until Covid -19 took the world by storm. To date, even with Covid-19 still lingering I have made every effort to make my payments on time. The credit bureau should have not put " late payments '' on my credit report per the CARES Act, it has effected my credit score greatly.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

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 2021-03-10 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: UT

Complaint narrative:
My lender spoke with me about my report and there are many items that are incorrect/ I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Transunion credit report in XXXX XXXX 2020 and noticed a hard on my report which I did not authorize. I had then contacted Transunion about this matter but due to the pandemic was not able to get a response. 

The inquiry for - XXXX XXXX XXXX  on the XX/XX/2020 I contacted TransUnion to have this removed but they did not respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld reported a debt not belonging to them. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Providing a copy of my last statement is not enough evidence. 
The monies owed was paid to XXXX, the original creditor. Therefore, you should not be reporting this as a collection on my credit report. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
AmeriSave, even with its commitment to be an Equal Housing Opportunity lender, requires applicants for mortgage to have a mobile phone number. It will not provide service to consumers who do not have a mobile phone number or have a mobile phone service that is not from one of the Vendors that AmeriSave has a relationship with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have made contact with the CFTC and SEC and they have raised a complaint ticket for me. 

I have also contacted a law firm. 

Ive repeatedly asked you to help me but you have promised escalation 6 times yet not done anything. Youve just been delaying things and your customer service is appalling. 

My litecoin is sat in the wrong address due to you having a mobile upgrade and technical issues on XX/XX/21. This was well documented on social media. Ive been advised by crypto experts in this field that only you can recover my ltc assets for me as you own the private keys. 

Further my lawyer has told me to make you aware that I will be holding you liable for the price fluctuations that go against me by allowing me to be without my assets for over 3 weeks. This is know as conversion theft. The longer you allow this to continue the larger and larger the claim for damages is growing. At this stage I want to simply resolve matters without involving external agencies or ligation but time is running out. 

You have made me suffer and mentally tortured me over fears of losing my life savings for something you could have sorted this out so quickly. 

I have emailed you multiple times and have reached out on XXXX support but you have nothing once responded and tried escalated matters for me. 

I urge you to do the right thing and deal with this immediately this is your last opportunity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. 

This was the letter I sent to the company today. 


I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named XXXX XXXX, XXXX. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the XXXX XXXX XXXX XXXX and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
-On XX/XX/XXXX I sent a Certified validation request letter for collection on my account for {$970.00} from Jefferson Capital Services . In my letter I asked for all validating documents I have the right to see and gave 30 days to them. I waited months For a response yet they continued to report on my credit file. Come XX/XX/XXXX I still hadnt heard from the company yet my credit remains so I decide to resend another certified validation letter which was delivered XX/XX/XXXX & still until this day they have not validated this debt and not supplied not one peice of proof showing I owe this debt yet they continue to report on my credit reports. I waited another 30 days for response and nothing still. On XX/XX/XXXX I sent another certified letter requesting/demanding removal of this debt from my reports given they have not supplied bo evidence of this debt being owed in the past 5 months. I also sent my information to the actual bureaus requesting removal. As of today nothing had changed and still no proof of this debt being owed and now Im here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named Midland Funding, LLC. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the Fair Debt Collections Act and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted equfax and attempted to notify them that two accounts on my credit report that I was initially disputing was changed to not disputing and to remove the statements on my credit report as disputing. The 2 accounts are XXXX XXXX and XXXX. I have been unable to contact anyone from Equifax. Whenever I attempt to call they keep telling me im answering the identity questions incorrectly. I just want all statements removed from my credit report stating that I am disputing them claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
My car was repossessed by Bank of America on XX/XX/2021. I called the bank prior to this and asked them if there was anything they could to do to help me. I told the customer service agent that I had family sending money to me through the mail to pay my balance due ( around {$400.00} ). A few days after that phone call they took my car. They didnt offer any sort of payment plan or deferment. Im a single mom of two teens and I have medical issues. Im on XXXX. I relied on my car to get me to weekly doctor appointments and XXXX. I have no way to get to those appointments now as I dont have any friends or family close to where I live who can help with rides. I cant pick up my boys from their dads house so Im unable to see them much. 
When I made that phone call prior to the repossession, the customer service rep told me that I had to pay the loan off in full in order to get my car back. Obviously, that isnt possible when youre on a fixed income. I had been paying my car payment consistently for 3 years before this happened. I missed 3 payments because there was a suicide in my family ( so I was out of town for the funeral and grieving ). Also, My son went into septic shock after XXXX and was life flighted to another town. So I was out of town focusing on him for a while. He nearly died. It has been a very tough year. I wish they would have been willing to work with me. I bought that car with money that my dad left behind after his sudden death. 
I called Bank of America today and they said that my car hasnt gone to auction yet. They are still charging me for late payments and fees. I had my loan down to almost {$3500.00} and since it has been repossessed the loan about is now around {$4700.00}.

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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.

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