vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
I had a collection account with XXXX XXXX XXXX they sold it to Gamachie & Myers P.C. but then took the debt back. So I Paid off the amount with XXXX XXXX XXXX the current owner, they will send a letter within 30 Days stating that Account number ending in XXXX was paid in full on XXXX So today I am served with papers telling me we are going to court the people who filed the Law Suit is Gamachie & Myers P.C. In the letter they say the current owner is XXXX XXXX XXXX so they are trying to collect on a debt that is paid with XXXX XXXX XXXX. ending in XXXX I have a payment schedule from XXXX XXXX XXXX., on a second account I spoke with the today and they confirmed they own the account and seen where I am Making Payments. 

So I contacted Gamachie & Myers P. C. and explained I paid the full amount to XXXX XXXX  and I have a payment schedule with them on the second collection. She told me she dont care XXXX it up we are going to court. 

To me this is Illegal to collect the same debt twice especially when they dont own the debt. Either way the debt is being paid to XXXX XXXX XXXX who owns both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I submitted my form of payment was previously told it was accepted it, I certified mailed it and now come XX/XX/21 received a call from Acima and that they do not accept that form of payment they are in malfeasance of office that is a felony crime. I have asked them to mail me my form of payment back and stated that they have dispose of it, how have they so quickly disposed of it, when we were still discussing the form. Not even five minutes later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 non-monetary relief
Consumer complaint received 2022-02-21 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: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a XXXX The Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer 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 2022-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I received a letter in the mail in XXXX from PHH confirming an escrow refund to me for {$1000.00} which would be mailed separately. Because I never received anything as I was out of town, I call PHH on XX/XX/XXXX and I was advised check was already mailed and to give it some extra time. Nothing was received so again I called back on XX/XX/XXXX for a new check and was advised that a new check couldn't be provided until after XXXX which is 30 days from when the original check was issued. I called back on XXXX and was transferred to an escalation manager which said they would call me back in a few days because the treasury department had to do some research then get back to me. As of XX/XX/XXXX, still NO CALL back so I called PHH again. I was transferred to another escalation manager ( XXXX - XXXX ) which stated that someone did call me but was transferred to my voicemail yet I received messages/ calls. I was then informed that the " check '' was cashed. I advised it wasn't by me and that this is now a stolen check because I have been out of town due to my mothers death. I was asked to question the 2nd party on my account ( XXXX XXXX, my husband ) but unfortunately for PHH that was not an option because he's been out of town with me as well for my mother 's funeral / passing. I was then advised that an email was sent to me to show where check was cashed and to confirm signature which I never received. I asked to have this email resent to me and of course still nothing! At this point I feel like I'm going around in circles and would appreciate nipping this all in the bud. It's easy to nag me when a payment is due but I swear it's worse than pulling teeth to get what's owed to me! Please have this resolved immediately. Whatever check was originally sent was NOT cashed by myself or husband and any proof needed can be provided. Please have check reported as stolen and PLEASE send me my escrow refund, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA attempted to re-insert a credit line. I had it blocked again. USAA continues lies. 
I will be making a complaint for every interaction for now on and if they use the copy paste response i will make another complaint for not even XXXX looking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: VA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days since I sent my letter and I have yet to receive a response. I'm not sure if my disputes are being ignored and I am being taken advantage of. It is stated in section 611 ( a ), that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. It has been over 60 days so they should be deleted at once. I demand these accounts be deleted immediately or I will have to file for litigation. This situation has caused stress and has negatively affected my living situation. I feel that these accounts are adversely affecting my credit report and costing me countless dollars in interest. 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 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, having my residential address at XXXX XXXX XXXXXXXX XXXX XXXX, hereby inform you of my dissatisfaction with the service I have received from Binance so far, this letter has the intention to bring some background and facts about a complaint a have with Binance ( hereinafter the XXXX ), and that they have incorrectly addressed my complaint. 

Back on XXXX XX/XX/2021 through XXXX XX/XX/2021, I entered into an investment contract with XXXX to transfer 12,000 EUR. I transferred my hard-earned money under the instructions of the scammers and paid them out to XXXX representatives, thinking that I am engaging a legitimate investment firm, however, XXXX has taken my funds and failed to repay the money to me upon request. 

Entering the online trading sphere comes with many hopes but due to Companys Shady activities and dealings, I lost my Hard-earned XXXX XXXX within a very well-planned and orchestrated operation. 

On XXXX XX/XX/2021, I approached Binance with a Dispute letter to address the concerns I had as negotiations failed with XXXX to reach a satisfactory outcome, I have attempted to resolve this matter with Binance but they have failed to settle this matter satisfactorily. I have dealt with them in good faith and am deeply disappointed in how they have handled this matter thus far. 

Its a shame that I was a simple end customer without any cyber-powers like theirs could have gathered all the evidence and presented it in an organized manner which shows that A ) we are dealing with sophisticated scammers and B ) they didnt do their job properly. 

Financial firms need to consider guidance published by the international financial regulatory bodies, which is taken into account when deciding whether to take action again a financial firm for not carrying out due diligence. I implore Binance to take their share of responsibility for the fact that due diligence has not been carried out, despite the merchant being high risk and unregulated, with many warnings issued to the XXXX community, no verification checks were run.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I sale packages of meat for a living and on XX/XX/2021 I sold a package to a customer by the name of XXXX XXXX XXXX, for the standard {$250.00} fee. The funds were given to me via personal check from XXXX in the amount of {$250.00} and was dated XX/XX/2021. I went into my usual Mountain America Credit Union that I have always banked with to cash the check. I received the {$250.00} in cash and went about my day. Almost 9 months later I received a notice from a XXXX XXXX XXXX Utah legal defender, XXXX XXXX, stating that the check was cashed for {$1200.00} and that I was facing up to three years in prison being charged with Theft By Deception. I was able to pull a copy of the check and it does appear that someone had written a line in the numeric box amount on the check making the amount appear to be {$1200.00}. The legal line # XXXX however was written out as Two hundred and Fifty dollars. I did not receive an extra {$1000.00} as I am being accused of. I do not know where the extra $ 1,000.oo went but I do believe this to be a bank error as the legal line had the amount written as two hundred and fifty dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX BANK NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2022-02-21 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: TX

Complaint narrative:
This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal

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 2022-02-21 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: TX

Complaint narrative:
This XXXX XXXX account was charged off in 2018. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. Need I remind you this also falsely manipulates the statue of limitations and the date of first delinquency has been illegally changed. Please note all changes after 180 days to charged off status is completely illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Nordstrom has allowed other people access to my account. Please review this receipt. For the Nordstrom Notes, I see XXXX, XXXX, and XXXX. These XXXX people have invaded my credit/rewards on this Nordstrom card and it's probably related to all the other complaints I have filed with you.

Company response to consumer: Closed with explanation