vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My wife 's wallet was stolen in the early AM hours on XXXX  XX/XX/2021. We assume between midnight and XXXX XXXX. It was left in our vehicle and the vehicle was opened and rifled through, they found the wallet and left. At XXXX I got a text from Chase bank notifying me of potential fraud on my card, a decline at XXXX  for a charge of {$190.00} I immediately notified them that this was NOT us, to which they told us they'd be closing the card and they'd send a new one. My wife 's physical card was taken and used at this target. 

Later that day when checking all of our accounts we noticed there were more fraudulent charges tried at that same target with that same card for {$460.00}. These charges happened after we had already notified them that this was not us and they had supposedly canceled the card. I called to report this as additional fraud and they said they'd take a look at it. There were other cards used and those all were handled without any issues. 

Recently they came to their final decision, after multiple rounds of disputes, that this was indeed not fraud with the reason given of " You received benefit from this transaction ''. When I talked to a Chase representative on the phone they said this was due to the card being present and that since it was a chip card being used in person this wasn't fraud. I even sent in a police report to try to prove that we were not the ones using the card. Their insistence that the card simply being present means that we are benefiting is frustrating at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: CA

Complaint narrative:
I was contacted by phone on XX/XX/2021, repeatedly from phone number XXXX. They left several messages in reference to a " debt owed and this was an attempt to collect a debt. '' I called the number back and the agent had my correct birth date, and talked about an address on " XXXX XXXX XXXX, in XXXX XXXX, CA. '' He was talking so fast, I could not write down the entire address. I was really surprised to be contacted on my cellphone as well. 

I am the victim of prior identity theft, and this must be another event with that happening again. The agent demanded more personal information from me, obviously which I refused because this seemed like a total scam with the unprofessional manner with which they were acting. 

Not only was this not me, I have never even been to XXXX XXXX, in my life. When I mentioned fraud, the agent started yelling at me in a non stop tirade that I could not decipher, I kept asking for a manager or supervisor, and he was angry that I was interrupting his tirade of non-information. I feel like the call itself was some sort of scam. I have no current alerts to any activity on my credit report. I was trying to get the name and contact information of the caller, but he would not let me talk. I followed up this harassing phone call with a call to update my ID theft case with my local police department and I'm waiting on further instruction from them on how to proceed with this new incident. 

I called back a second and third time to hear the company name at XXXX and XXXX XXXX  and talked to another agent who refused to give me his name, but gave me their address and main contact number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have disputed numerous of times through the credit reporting agencies and directly to the company to no resolve. I have asked for this negative reporting to be taken off the credit reports as it is my right by law for them to not report this while in dispute. I have sent a letter of cease and desist. I have asked for Portfolio to show contractual obligation directly between me and them and said creditor with me. I have not received any wet signature showing such agreement between all parties involved. I have nothing to do with Portfolio buying bad debt from XXXX XXXX. My right to privacy has been stricken by XXXX giving my personal information to a third party company who has costed me much anguish. 
I sent them an affidavit in truth and they did not respond to the line items. They ignored to answer to it and it is my right that an unrebutted affidavit stands as truth in commerce. I was denied a loan for my daughter 's education due their negative impact upon my credit report on XXXX, XXXX, and XXXX. I need this off my credit report. I do not owe Portfolio Recovery Associates, LLC any monies as I never conducted any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
Cavalry Portfolio Services has NEVER sent me a bill for this collection they are reporting on my credit report for {$10000.00} I have sent XXXX requests ( with signed proofs of delivery ) for debt verification and they have failed to provide it. I sent first request XX/XX/21, second request XX/XX/21 & third request XX/XX/21. All they have sent me is a letter stating " it is our position that the information we are reporting to the consumer reporting agencies regarding the account is accurate '' but will not provide me with ANY DOCUMENTATION PROVING THIS!! I do not recognize this debt, do not believe it's mine and want it removed immediately from my credit report as they have failed to produce verification of debt requested. It's now been almost 2 months since my first request. They are supposed to remove if they can not provide the verification I've requested within 30 days! Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: NC

Complaint narrative:
Money network owner by XXXX. Web site is basic and only has simple feature. Money network 's mobile app is need to transfer money in between savings AKA XXXX XXXX  account and checking. Can not access app to manage funds and transfers. Customer Service can not move money for me and has not offered a explanation or anyway to resolve it. App freezes when logging and and can not used the app at all. Every customer is having this issue and they are not helping anyone. They also locked me out of my account for a fraudulent charge but did not send any email, texts or called to notify 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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To TRANSWORLD SYSTEMS INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Transworld Systems Inc. ( TRANSWORLD SYSTEMS INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have been an outstanding customer and absolutely enjoy my Discover Card. However this year and last year have been incredibly difficult as I know it has been with everyone. My wife is a XXXX XXXX and in XXXX of 2021 caught XXXX XXXX and I missed my XX/XX/2021 payment. The next month I brought my account current and worked very hard to stay on top of everything and in XX/XX/2021 I lost my father due to XXXX XXXX. The unexpected funeral costs impacted my family heavily. I have been working extremely hard to keep my good payment history and account in good standing. I called the customer service phone number on XX/XX/2021 to ask if a one time goodwill exception for the late payment in XX/XX/2021 could be removed from my credit reports due to XXXX and how it has effected my family this year and I was given incorrect information and the lady was not very nice or helpful at all. Not knowing who to call or my next direction as it relates to this matter this was the only place I went to for my next step. I am trying very hard to move into a new home and start fresh and leave the grief behind. I am working XXXX jobs right now to pay off my balance and I know these last two years have impacted everyone. But I am just trying to keep my good payment history and status with my Discover card in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I have been trying to decease my mortgage principle monthly along with mortgage payments. I have went into my bank XXXX XXXX and with a bank officer. Sent a cash payment of $ XXXX {$420.00} for me, as a cash transfer to Select Profolio Servicing to apply to my unpaid mortgage. this was in XX/XX/2021. It is XX/XX/2021 and they still have not applied this payment to my unpaid balance. They tell me they have a turn-aroung of 14 days it has been almost a month. They told me eariler in a call they did not have enough people working in the department to do the work. They have given me every kind of excuse they want to keep from applying payments to my unpaid mortgage. 

I intend to open a checking account speifically for payments to be maded from it, to apply to my unpaid mortgage balance. I need CFPB, to monitor these payments for me so that this mortgagae company will apply these payments as specified for me. I NEED YOUR HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: ARC Management Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXXARC Management Group LLC added a derogatory mark on my credit report per Credit Karma. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARC Management Group has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE ALSO WRONG EMPLOYERS THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-10-28 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: GA

Complaint narrative:
I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Transunion ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit ( Transunion ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: CA

Complaint narrative:
Coinbase Pro has a serious flaw where a purchase order goes missing, but the funds get locked up as if the order is still there. This has led to all my funds being locked up and available for trades and thousands of dollars of missed opportunity, and the order eventually executing at a random time of Coinbases choosing. This is fraud and a scam, manipulation of other people money, and a serious breach of policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian and XXXX XXXX are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.

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 2021-10-28 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: American Credit Acceptance, LLC
State: SC

Complaint narrative:
American Credit Acceptance I had covid last year and I was out of work I called the customer service dept to see about the late payments reporting on my credit report from XXXX. I spoke with someone and they stated that if I can pay the balance and keep up with current payments they will remove late payment from credit bureaus. Ive been fighting with this for months now. Same situation with XXXX XXXX and they are showing late payments from XXXX, XXXX, XX/XX/XXXX. I already submitted letters to show that those late payments was undated and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received notice from Bank of America that my mortgage was being sold effect XXXX on XX/XX/XXXX. This is less than 15 days as required by 12 CFR 1024.33. 
I contacted BoA and told them they did not provide enough notice per the law, I was informed the letter was dated XX/XX/XXXX and that was more than 15 days. 
However, putting a date on a letter doesn't inform me of something on that day.

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 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
1. I purchased airfare tickets on XXXX XXXX for {$2200.00} on XX/XX/XXXX 2. The airline cancelled the flight XX/XX/XXXX and failed to refund my money 3. I disputed the charge and Chase sent me a decline notice on XX/XX/XXXX and XX/XX/XXXX stating that I cancelled the flight which is false 4.Chase has failed to honor their " purchase protection '' motto after XXXX  failed to refund my money after they cancelled ALL their flights due to the pandemic. 
https : XXXX 5. I am requesting my money back for a purchase that I made but did not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: WA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been over 35 days later and I have yet to receive a response. I feel that I am being taken advantage of and ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts become deleted or I will file litigation due to the stress you caused me. 
My information was also impacted by the XXXX XXXX data breach. Where the names and Social Security numbers of alumni and applicants have been exposed after someone gained unauthorized access to an employees email account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I had a past due debt owed with XXXX XXXX XXXX  cellular services in the amount of {$1500.00}. I paid the debt in its entirety directly to XXXX in store. The manager at XXXX XXXX assured me that once the full amount of the debt was paid in full they would in turn contact the debt collector convergent outsourcing and advise them the debt was paid in full and instruct convergent outsourcing to remove the collection account from my XXXX and XXXX credit reoport. As of today both credit reporting agencies have refused to remove the collection account from my reports and when I called the collection company they advised I need to dispute with credit bureau. Neither company is willing to 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 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that 3 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on PDQ SERVICES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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