vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines. 

XXXX Acct # XXXX I have sent several letter to the bureaus disputing this information for it is not mines

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real time resolutions sent me a letter by mail stating that I owed this alleged debt violating my rights under 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist and continue to contact me after violating 15 use 1692c ( c ) has yet been able to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e. Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 ).

It is Fraud for a debt collector to furnish an unvalidated debt violation 15 usc 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have disputed the mortgage amount owed from the first papers I received from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. The balance that they claimed was due when I defaulted was as of XX/XX/XXXX was {$120000.00}. I made payments over my monthly amounts due that were never credited to my mortgage. I made modification payments some of which Rushmore admits were applied to the loan in XXXX of XXXX. Yet the principal due as stated in the Judgement and affirmed as actual by their Attorney 's has never changed. I have repeatedly requested general ledger accounting of my loan payments and have received the same information ( WHICH IS ATTACHED ). The affirmations by the Attorney 's were inaccurate making them fraudulent statements. Rushmore proceeded with a Judgement based on false and inaccurate amounts and statements. They consistently send ledgers that are UNREADABLE. They have done nothing but discriminate against me through this whole process thinking I was uneducated by sending me account of payments I could not even read to be able to dispute payments. In one letter they admit payments were received after XX/XX/XXXX and in another, they deny they were received and want copies. If payments were received in XXXX and XXXX how did the original balance from XX/XX/XXXX never change?? The reason they sent the unreadable ledgers is because it proves payments were recorded yet never applied if any saw that this occurred the Judgement amount would be inaccurate made on false claims and statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am writing this to report Sallie Mae for contacting family members that I dont even know and leaving voice mails with them about my private student Loan.

I have been out of work and struggling to pay rent and to pay my loans since corona I always paid on time and they have messed my payments up at times and admitted it over the phone and fixed it later messing up my credit.

In this instance they have called me non stop at ungodly hours and have also harassed my family members even ones I wasnt aware of their existence are reaching out to other family members sending me voicemails of Sallie Mae reaching out to them about my loans constantly this company needs to be stopped.

I have tried to call and work out lower payments but they wont budge on their payments to match up with what I can afford in any dollar amount this is a very bad company as they cant even work with people during the pandemic and you have to pay hundreds of dollars just to be in forebearance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: IL

Complaint narrative:
The company World Finance Corporat is attempting to collect a debt from me which is not mine. The following account is not mine nor is it associated with me and I would like the immediate remove of these account ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
I the ( Consumer ) sent in a letter to verify the accuracy of accounts on my report. I have not received any information in the mail I understand its Covid going on but I am trying to Finance for a new car and I have some inaccurate information on my credit report. I sent my first Letter XX/XX/2021. I then set my second letter XX/XX/XXXX still no response. I then sent my third letter to Demand A response still no letter this is why I am contacting you guys. 

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also under 15 US Code 1681 congressional finding and statement of purpose A ) Accuracy and fairness of credit report Accuracy means everything is correct. 
Fairness means no one is taking unjust advantage of another.

The banking system is dependent upon a fair in accurate credit reporting in accurate credit reports directly impairs the enfishcentcy of the banking system unfair credit reporting methods undermines the public confidence which Essential to continue functioning of the banking system.

The inaccuracy on my report does not benifits me. There is no Equity for me.

As consumer i have the right to privacy. Anything arise from my credit card should not b included on my credit report.

The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be Block and removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2021-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Square , inc owes me {$1000.00} and they refuse to return my funds back to as of XX/XX/2021. I've verified my identity to them and they currently havey account restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from Convergent Outsourcing , Inc on behalf of XXXX XXXX XXXX for {$150.00}. I've spent multiple hours attempting to reach someone at XXXX or Convergent Outsourcing, Inc who can help resolve this incorrect debt collection request and am very disappointed in the inability to reach a customer service agent that understands the issue and is able to help resolve this issue. The debt collection notice is related to the following charge : In XX/XX/2021 I traded in my XXXX XXXX for a XXXX XXXX. I mailed my XXXX in to receive a trade in credit and on XX/XX/2021 I was informed I would be charged {$150.00} due to a cracked screen on my trade in device. I reached out to a customer care agent in order to request this be reviewed as my screen was not cracked when I mailed in the phone and on XX/XX/2021 I received the two attached emails stating the trade in charge for a cracked screen was refunded and ... there won't be any charges made by XXXX further ''.

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 2021-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We direct your attention to the evidence presented at trial in 2019, a letter from Ocwen Loan Servicer, your predecessor, as a response to the defendants complaint to the Consumer Financial Protection Bureau and accepted as evidence by the court, which stated that XXXX XXXX XXXX XXXX XXXX ( XXXX ) is not and never has been the owner of defendants Mortgage and Note. 

Your company has no legal Standing in this matter, yet you have continued to send deceptive demand letters for payment despite numerous attempts by defendants to stop you. 

We are again requesting that you stop sending these letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: IA

Complaint narrative:
XX/XX/2020, my PayPal account got permanently limited for unknown reasons and I was asked to wait 180 days before I could access my money, it was a bit frustrating for me but I decided to wait, 180 days is complete and they still giving me excuses about my money, please I really need assistance. I have tried to contact them via customer service countless times but all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
The company AFNI, INC has attempted to collect a debt that does not belong to me. The following account should be removed immediately it is not mine nor is it associated with me ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 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: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to XXXX  and Transunion along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX  is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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 2021-06-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While checking my credit report, I notice an account from XXXX XXXX/XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. I received a letter from them on XX/XX/XXXX, informing me of a collection company, XXXX XXXX XXXX XXXX, that had acquired my account. I sent them another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. It is now XX/XX/XXXX and I have not received an answer from them, and they are still reporting negatively on my credit report. I also sent certified letters to Experian and XXXX  along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that XXXX  XXXX/XXXX is reporting. So far, I have not gotten a response from them. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates has repeatedly called me from different numbers, in different states, and will not tell me who they're working for until I tell them my personal information. I have blocked at least 20 numbers, most of them from Washington state, and the latest from New Mexico.

This company also took me to court which I knew nothing about until I started getting mail from layers in my area about someone taking me to court, which I never heard about from Portfolio themselves. I had to find it through my state 's court records and found it that way. It has since been dismissed by the county, but it's now on my record. I could understand this harassment for a large sum of money, but for the amount I owe? This is plan harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 USC 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2021-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/2021, at XXXX XXXX, My coinbase crypto currency account held on Coinbase.com was hacked and coinbase sent 2 step verification to the hackers after they altered my verification process somehow. They then transferred over {$16000.00} worth of XXXX tokens to an unknown wallet and I believe they traded it into all bitcoin before then sending it all into approximately 126 other wallets. I have tracked the initial illegal transfer through the website XXXX. I found there the hackers made 4 transfers out of my account and then did the rest out of their own account. I called the XXXX County Sheriff 's department in South Carolina who took a report for me. I contacted Coinbase support also on the XXXX of XXXX to inform them that they allowed unauthorized transfer of my funds and wanted help from them to replace what was stolen. It was my life savings that was taken. I am on XXXX and do not have the ability to " make that up '' by working or saving it up again. It has taken me years to get the money to the level it was at. 
I got an initial response to my inquiry stating they needed 3-5 business days as they had a " specialist '' looking into the incident. That was on XX/XX/2021 and once again on XX/XX/2021 they repeated that statement as I sent the information I had gathered on XXXX tracking the thieves/hackers. I was told to wait 3-5 business days and I have not heard back from coinbase since that email which arrived at XXXX XXXX  on the XXXX of XXXX, 2021. 
I need help in this matter as I have taken the steps as directed on the coinbase website and filed a police report on the matter. I am in deep jeopardy in the near future when it comes to debts owed that was due to be paid out through those investments. Their delay in responding to me is making me think that they were or are involved with the theft of my money as well. Why else would they ignore someone who was robbed from their site? I am distressed daily over this matter. I need my investments back. I do not know what I can or should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: TX

Complaint narrative:
three occasions on hold more than 30 minutes to explain I do not know this company and did not apply for credit. every time i am told they will eliminate the account and apologize for the continued billing. still, i receive payment notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX doesn't offer an option for consumer disclosure and has a fine print of " The XXXX solution is not provided by a consumer reporting agency and does not constitute a consumer report as these terms are defined by the Fair Credit Reporting Act. 15 U.S.C Section 1651 et seq ( " FCRA '' ) '' Meanwhile, they have categories on the report which relate to assets and creditworthiness.

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 2021-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed multiple times incorrect/fraudulent information that has appeared on my XXXX  /Equifax credit report. I have ask to provide documentation of the alleged debt which has not been provided to me. I hired a credit repair service to help obtain information that at the point was still not provided. I have four accounts on my credit report that I have been opening up disputes and requesting that those items be removed from my credit report. To this day nothing has been updated nor have I received documents of the alleged debt.

Company response to consumer: Closed with explanation