vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX  XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/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 non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Received a text message on XX/XX/21 from business claiming to be XXXX as follows : < # > ; Someone Just Ran A Background-Check 0n You Through A XXXXDatabase. Find 0ut  Who ; XXXX : XXXX Then on XX/XX/21 a text from someone claiming to be Transunion sent the following text : Re : TRANSUNI0N Has Placed A Temporary Hold On Your File For Unusual Activity. Resolve This Issue Here : http : XXXX I did not open the link in message and have not sent money/gift cards to anyone. I simply want to let someone know that I received these messages but have not been able to speak to a customer service representative at either credit reporting bureau to have them check on these messages.

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 2021-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: VA

Complaint narrative:
I paid a debt in full of {$560.00} from AWA ( Adler Wallach & Associates ) Collections on XX/XX/21 since then they have not removed the debt from my credit report as promised or updated the amount. I called multiple times and they have hung up in my face, I've asked for a manager they say there are non available. They claim that the debt would be removed in 60 days nothing has changed on my credit report, and they have no answers of why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 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: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX Companies XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Calling regarding unknown person on my cell phone number and does not remove from the list despite numerous requests. Made threats to forward it to another department against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: World Acceptance Corporation
State: TN

Complaint narrative:
World Finance is reporting account # XXXX on my credit report as 119 days past due and also as a charge off. It can't possibly be both. There are also incorrect dates posted, and the balance is XXXX so I'm not sure how they could be reporting it as past due. They are guilty of several violations including, FDCPA 807 false and misleading representation, 809 validation, Fair Debt Credit Act Law 111-203 title X124 Stat 2092, Fcra 15 usc 1681b accuracy of reporting, False Claim Act 31 usc 3729-3733

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
This company Sage stream, I have never heard of and have NEVER done business continues to request my personal identification saying I requested a security freeze on XX/XX/XXXX but that is an absolute LIE by Sage Stream! I have repeatedly said that I didnt request that. 

They refuse to add me to the DO NOT CONTACT list/opting out of all contact because again I have never done business with them and never will. 

Why would I send my personal identification to a company that I have never done business with? 

Federal law makes clear from the Telephone Consumer Protection Act, to the XXXX XXXX, to the Fair Debt Collection Laws, that I dont have to provide identification to demand that a company cease all contact. 

Sage Stream violates federal law by insisting on identification to opt out and do not contact which violates federal law. 

I have asked them for an address to serve them with a lawsuit for violating my rights and they refuse to provide it. 

But yet they feel they can ask for my personal identification documents when I have never done business with them and did NOT initiate a security freeze on XX/XX/XXXX like they falsely claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank/Victoria 's Secret is reporting two duplicate accounts to XXXX XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been trying to receive mortgage assistance with Suntrust bank for the last few years I have summited numerous time just to be denied for various bogus reason. Most recently I submitted for modification help just be to be denied, per the denial letter the lender claims the investor declined the modification because the payment would go up instead of down this forced them to deny my case for mortgage help. I'm currently sitting on a 6 % interest rate and I feel the lender has plenty of options when it comes down to helping me with my case. I feel since the interest rates are at 3 % in todays current market there should be plenty of ways to reduce my mortgage even my reducing my rate, extending my mortgage terms and even placing the amount I'm delinquent toward the end of the loan to allow me to get current. I fee the lender is more interested in taking my home rather than helping. I have plenty of income available and can afford for my payment to increase. Please look into this matter for me and help me with Suntrust. In addition on the denial letter attached dated XX/XX/2021 it says they have provided me the XXXX result for me to view but when I spoke to the lender they stated there is no XXXX result to give.

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 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I am writing to dispute a account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with Security Credit Services. I am not responsible for any payments for this account XXXX. I have no business with Security Credit Services. Security Credit Services is " third-party debt collector ''. I do not have a loan or contract with Security Credit Services or owe a debt to Security. Security Credit Services is attempting to collect a debt on the basis of fraud. Security Credit Services decided to ignore my demands for Validation with Notice and Demand to Cease and Desist Over the past several months, I have tried to resolve this issue on XX/XX/2021 letter to CEO but to no avail, refusal. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) XXXX copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with Security Credit Services of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.unjust enrichment, fraud on the homeowners and consumer. Security Credit Services actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Security Credit Services. I have attempted to resolve this matter formally before filing a complaint and lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2021 I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/2021 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me despite my credit report nor any updates to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2021-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My dispute is regarding a fraud issue with American Express XXXX which is a prepaid card from the American Express Company. On XX/XX/2021, there were 3 unauthorized withdrawals from my XXXX account. ( XXXX for XXXX, and XXXX for {$300.00} XXXX. On XX/XX/2021, there were 2 unauthorized withdrawals from my account XXXX both for {$200.00} XXXX. Each of those amounts include {$1.00} service charge. All 5 were from 2 different XXXX restaurant ATMs in XXXX, NY. I discovered my loss of funds when I tried to use the card for a purchase on XX/XX/XXXX, and it was declined. {$1100.00} had been withdrawn from my account. I called the American Express Serve Fraud Division, and made a claim immediately. They sent me by email copies of the 5 transactions, and requested I send them a Declaration of Fraud, which I sent to them right away. Several days later, I received an email from American Express telling me that my claim had been denied, and that if I wanted to know why, I had to request an explanation by mail from an address in Georgia. I reopened the investigation, and requested an explanation by mail, to which I never received a response. I once again submitted a Declaration of Fraud, and was denied. After being denied for claims on XX/XX/XXXX, XXXX, and XX/XX/XXXX, I obtained a police report from the XXXX XXXX Police Department XXXX to submit with my next Declaration of Fraud, and claim. My fraud case was denied again on XX/XX/XXXX, and XX/XX/XXXX. I submitted the 6th claim today. XXXX XX/XX/XXXX ). I asked American Express to please look at my past account statements, to see that I have never withdrawn money in this sequence. I also requested that their investigators request video from those restaurants to try and identify the suspects who withdrew the money. 
On XX/XX/XXXX, I contacted the American Express Office in New York XXXX, and spoke to an American Express Executive Assistant, XXXX XXXX, who said he would speak to someone from the prepaid Specialty Unit, and follow up with my claim.Unfortunately, he was given the same response I was. Based on their investigation, no error had occurred, and all 5 transactions in question had been authorized. 
I have the American Express card in my possession, and have always had it in my possession. I did not withdraw this money from my account, nor did I give anyone permission to use my card. Ive reopened the claim 6 times, and have been denied 5. Ive given them all the information I have regarding this incident. Apparently, the customer service unit for American Express is based in XXXX XXXX. I havent been able to speak with anyone in the United States from American Express Serve except the Executive Assistant in New York. Please help me find out what information they are using to make their decision, so I can dispute it with accurate information. The money that was taken was COVID stimulus money that I cant afford to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been working with Select Portfolio on a short sale of my property. My attorney and I have called numerous times and been told they are working on it. The relationship manager for my account is never available. I think that the lender is intentionally delaying the review and acting in bad faith. 

Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive a phone call supposedly from Citibank Fraud impersonating the bank and stating there was a fraud happening in my account I was under impression that it was a follow-up due to there's is a case already opened. After we disconnected the call, I received an email stating there was a wire transfer sent that I don't recognize. I contacted my bank right away and was able to freeze my account. The first wire was not stopped and able to send out {$1200.00}. I have a case number from Citibank Fraud Wire Dept. I was advised to file the Police and FBI report which I had done. I followed up with my bank and was told that they can't help me with getting my money back due to money was already sent. My complaint was denied. I was advised to seek someone to help me. Requesting help.

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 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER IS A CREDITOR I AM DISPUTING IN WHICH HAS BEEN DELETED FOM MY XXXX AND XXXX. I HAVE BEEN DISPUTING CURRENTLY WITH XXXX AND HAVE BEEN GIVEN THE RUN AROUND. AS THEY'VE EVEN STATED AT ONE POINT THERE WASN'T A SATANDER ACCOUNT. NOW THERE STATING SANTANDER NEEDS TO NOTIFY THEM OF A DELETION. THIS IS A COMPANY IN WHICH IS BEING SUED AND HAS MULTIPLE LAWSUITS AGAINST THEM. THE LOAN WAS INTIALLY SIGNED UNDER DISTRESS AND FOR A CAR THAT ISN'T WORKING DUE TO THE CAR DEALERSHIP DOING A DEAL FOR A FAULTY VEHICLE. THIS HAS BEEN VERY STRESSFUL AND SATANDER HAS BEEN DELETED FROM MY HUSBANDS REPORT SUCCESSFULLY. I HAVE SENT THE BUREAUD FTC COMPLAINTS AND I HAVE ALSO WORKED WITH A CREDIT REPAIR COMPANY TO FIX THIS ISSUE. THIS XXXX SANTANDER ACCOUNT IS HOLDING MY LIFE BACK AS I AM A ELDERLY PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial is not allowing me to pay extra payment towards my principal balance to pay off my loan early. The loan terms are very confusing and misleading when I purchased the vehicle. There is no way with the current terms of this loan to pay or reduce interest payments or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
We set up a square account for our business to accept card payments. The square account was set up XX/XX/XXXX. The first payment from a client was XX/XX/XXXX. We has no issues with square transferring our money into our bank account at XXXX XXXXXXXX XXXX. All transfers from square were made the next day into our business checking account. At the end of XX/XX/XXXX we realized the last deposit from square that entered our account was from XX/XX/XXXX. We contacted square to see where our missing XXXX and XX/XX/XXXX deposits were. Square put a hold on our account. They asked us to submit documentation to verify our bank account information. On XX/XX/XXXX we submitted our last three months of bank statements to square from our XXXX XXXXXXXX XXXX  account. On XX/XX/XXXX we received an email from square stating our account with them had been deactivated. At that point in time we believed {$31000.00} was being held by square. Square stated in the deactivation email from XX/XX/XXXX that our funds would be transferred in two business dates making that date XX/XX/XXXX. No transfers were received on XX/XX/XXXX. Multiple attempts between XX/XX/XXXX and XX/XX/XXXX were made to square on why it was deactivated and when we would receive our funds. On Monday XX/XX/XXXX we discovered another bank account was linked to our square. It was a XXXX XXXX XXXXXXXX account. We saw that we had {$17000.00} available to transfer into our bank account. We were manually able to re-enter our information for XXXX XXXX. We received a conformation email stating that the account was changed and the {$17000.00} was successfully transferred into our XXXX XXXX account. We never received an email when it was changed from the XXXX XXXX bank to the XXXX XXXX XXXXXXXX. As for the other {$13000.00} it was transferred into the XXXX XXXX XXXXXXXX account on two different instant transfers. All previous transfer were 1 to 2 business days never instant. The first instant transfer was made on XX/XX/XXXX for the amount of {$7900.00} and the second instant transfer being on XX/XX/XXXX for {$5500.00}. Fraudulent claims have been made to XXXX XXXX XXXXXXXX, a police report has been filed, a report with the FBI has been filed and a complaint to the FDIC. No one at square has contacted us back and we continue to make several attempts daily to contact them.

Company response to consumer: Closed with explanation