vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Holloway Credit is reporting an account on my credit report. I had not previously received anything from them. I mailed a letter requesting verification and validation of the account. The company then mailed me a bill with a statement stating that I have 30 days from the date of the letter, which is dated XX/XX/2021 to dispute the validity of the debt. However, the account was reported on my credit report before this notice was sent to me. The most recent reported date on my credit report was XX/XX/2021. I sent the letter requesting validation to the company on XX/XX/2021. Only at this time did the company send me the notice that was supposed to be sent to me before they reported this account on my credit report. I have attached the bill with the statement from the company with the date XX/XX/2021 circled. I also attached a document showing where this account was last reported on my XXXX  credit report on XX/XX/2021. I know that this is a violation as the company is required by law to send this notice of the right to dispute and ask for validation before reporting anything on my credit report. 

Also, as I was submitting this dispute, I saw an option that states the company 's letter did not state that this is an attempt to collect a debt. The letter from the company does not have this statement on it either. So, this is another violation. I could only select one option on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Have not received enough information to verify the following debt. I was never contacted or received any letters by the original creditor listed that a closing balance existed. I have paid all balances with the original creditor per notice.HELVEY AND ASSOCIATES have placed a collection on my profile for the amount of XXXXI have attempted to resolve this issue multiple times with this company. This inaccurate reporting has interfered with my ability to get approved for certain financial products such as car loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TX

Complaint narrative:
The account XXXX/XXXX is not my account. The account does not belong to me. This means that I was not the person which had this account with XXXX/XXXX. XXXX XXXX XXXX has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the XXXX/XXXX account must be deleted from my credit 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 2021-02-22 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: WI

Complaint narrative:
Equifax has refused to remove one item of debt that has been removed last year. XX/XX/XXXX The account with XXXX XXXX XXXX has been resolved and has been removed from my XXXX  and XXXX  accounts since XX/XX/XXXX Yet when I contact Equifax I'm given all kinds of excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.

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 2021-02-22 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: NY

Complaint narrative:
Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Under the Fair Debt Collection Protection Act, I have the right to request that incorrect and unverified information be removed from my credit file.

Wells Fargo moved their auto loan payment system from WellsFargoDealerServices.com to WellsFargo. I was under the expectation that it would be a seamless transition. Instead I realized I had to set up a new account on a different website. This is due to Wells Fargo error.

Had perfect payment history with Wells Fargo before and after this.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Ive had a XXXX  card with Comenity Bank for years. I pay ot religiously every XXXX of the month. That's when I get paid. I'm.XXXX  raising an XXXX hear old abandoned child. Had rhe card to buy her clothes. They closed. I do to ie go pay. I sent them a check for XXXX on the XXXX as I always do. I noticed it hadn't been cashed when I called the automated. When I called ... they tried to tell me I owe late fees. Then they told me my account was closed in XXXX. Ive gotten NO response when I asked why. Its as if NOBODY KNOWS. I STRUGGLE BUT I SENT PAYMENT. Trying to pay them off so my credit will be better for this child. I'm so frustrated. Ive spoken to these people since last week. Just to be passed on to other people several times. I cant make another payment. Especially with a late fee. What did they do with my check! My income is XXXX dollars a month. I do the right thing and STILL they're ruining my credit. Pleas please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX transfers of XXXX K each were made from my checking account and the arrived ok to Binance ( XXXX XXXX XXXX  ). 
On XX/XX/XXXX, 2 more transfers of XXXX K each were made from my checking account. Only one arrived, so my bank cancelled one. 
Then the company Binance ( XXXX XXXX XXXX ), issued a charge back, from the 3 transfers received, then it was only showing XXXX 
So I transfer XXXX K in total and only XXXX K are showing as received. 
Emails have sent but no reply received. 
Also my binance account # XXXX was blocked and I can't use it anymore and all my money sent is frozen. 
This is the company info : XXXX https : //www.binance.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have no idea where this transaction originated. It comes up on my account as ATM/ACH DEBIT XXXX PAYPAL INSTANT XFER for {$69.00}. My credit union could not track the company or a phone number - the trace # is XXXX - i contacted Paypal and they have not returned my messages or phone calls. The credit union said it looks like some kind of recurring payment but for what I have no idea. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact Capitol One and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX ) Capital One Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
ACCOUNT EMAIL ADDRESS : XXXX On or around XX/XX/XXXX, I ( a ) opened an account with Coinbase at Coinbase.com, ( b ) purchased cryptocurrency ( {$310.00} USD of LTC / 1 LTC -- reference code XXXX ) from Coinbase, and received a cryptocurrency bonus ( XXXX BTC ) from Coinbase. Afterwards, I set my account with Coinbase to use a two-factor authentication method ( specifically, a Yubikey ) for added security. 

Unfortunately, my Yubikey broke, and I can no longer access my account. On or around XX/XX/XXXX, I began making customer service inquiries to restore access to my account. However, Coinbase refuses to let me access my account! Coinbase asked me to create a second account, and verify my identity with the second account, as part of the account restoration process. I did this ( the account I created for account restoration purposes uses the email address XXXX ). But I still can't access my account and, in fact, just received an email stating that my account restoration process has been cancelled!!! 

In summary, as of right now, Coinbase is holding my financial assets, I can not access or transfer any of them, and Coinbase will not return them to me ( if there is a dispute as to whether I demanded that Coinbase immediately turn over all of my financial assets, consider this complaint itself a demand that Coinbase immediately turn over all of my financial assets ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: MIDFIRST BANK
State: FL

Complaint narrative:
Midland Morgtgage is reporting mortgage delinquency payments during forbearance program approved by previous mortgage company. ( XXXX XXXXXXXX XXXX ). I never paid late to Midland Morgate, and Midland Mortgage failed to verified proper forbearance approved documentations prior adquiring the new loan. ( 2 forbearance signed document packages were submited to XXXX XXXXXXXX XXXX  during forbearance program on XX/XX/2020 ). Because of this wrongly report to my credit, I was denied with a mortgage loan to buy a property. Before this issue, my credit score was XXXX, after wrong report was made, my credit score went down to XXXX and jeopardized all my financial stability.

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 2021-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: AZ

Complaint narrative:
im on a forbearance program and every time i call and asked for the modification to be done i get a run around one person told me not to do anything ill get a letter in the mail the other people are telling me to apply for the modification no one cant get me anything done and I'm getting tired of people talking to me like im stupid and i don't know what im talking about every time i ask for a supervisor they refused to put one on the phone and transfer me to customer serviceher id # was XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XXXX i was not able to get my funds of pay pal and they said its on hold for180 days for no reason.and imy account is no longer can be used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
The account COLLECTIONS UNLIMITED is not my account. The account does not belong to me. This means that I was not the person which had this account with COLLECTIONS UNLIMITED. COLLECTIONS UNLIMITED has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the COLLECTIONS UNLIMITED account must be deleted 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 2021-02-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had made a purchase for {$1000.00} even on my credit card for a ring I had for my mom on XX/XX/2019, I returned the ring, and was supposed to get refunded the amount for the {$1000.00} even on XX/XX/2019. I have the receipt in hand stating that I bought the ring, and returned it for the full amount four days later but the credit card company is saying the sore never refunded my account, and the store which I made the purchase from says they did. Ive been trying to get this resolved but they just keep blaming each other sending me back and forth. Ive sent out emails to the credit card company about the receipt, Ive sent them the actual receipt through USPS and they havent done anything to resolve my problem. I dont want to pay for something I dont have at all. If you can please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Spring Equity LLC
State: MD

Complaint narrative:
We decided to refinance our mortgage ( 3.625 % 30 year fixed with XXXX XXXX ) and went with Spring EQ for a 2.75 % 30 year fixed, and signed the closing documents XX/XX/XXXX. Spring EQ was to pay our County Real Estate taxes and Homeowners Policy in XXXX. Early this month I received a " Tax Delinquency Notice '' from XXXX County, MD telling me that my property would be subject to a tax sale if property taxes in the amount of {$3000.00} ( including a {$60.00} late fee/interest charge ) were not paid by the end of XXXX. It was also discovered that the Homeowners Insurance ( XXXX XXXX in the amount of {$1800.00} ) due XX/XX/XXXX, had not been paid. For three months my home had been uninsured! Spring EQ was negligent in all respects relative to their handling of the Escrow Account, and have been very slow in handling this emergency ( HOI was paid today ( XXXX XXXX ) and I paid the Real Estate taxes personally last Friday, XXXX XXXX to keep my house from being subject to a tax sale. The " closing disclosure '' is not easy to read, but it looks like Spring EQ and their closing agents, XXXX, charged me {$2000.00} in fees to settle the closing, which was very poorly done. My request is to have that {$2000.00} ( which got me nothing ) returned to me. My mortgage was sold to XXXX in the middle of XXXX, and hopefully will be handled much more professionally going forward. My latest dealings at Spring EQ were with a man named XXXX XXXX, who is a Sr. VP and CFO ( his phone number is XXXX and his email is XXXX. Thanks you for your attention to this matter. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit 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 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, Transworld Systems I added derogatory marks on my credit report to all 3 credit bureaus. Upon, further research, these accounts were transferred and sold and I am no longer responsible for the account. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA Transworld Systems I has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not. 

Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.

Company response to consumer: Closed with explanation