vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-16 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: Orions Management Group, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company ORIONSMANA account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I ( along with 3 family members XXXX received prepaid {$100.00} Visa XXXX  cards in XX/XX/XXXX purchased at a XXXX store in XXXX, OH. The website listed on the card is XXXX and the contact number XXXX. 

The card has been in my possession, unopened in the packaging since receipt. When I tried to access the card online on XX/XX/XXXX, the website states another person has already registered the card and used all the funds in XX/XX/XXXX. I contacted the other recipients of these cards and they all experienced the exact same issue. The funds were stolen from their unopened cards. If this happened to all 3 recipients in our case I imagine many others were negatively impacted. 

I contacted the card processing agency at XXXX and spoke with a manager named " XXXX '' who informed me they could not help unless I had the original purchase receipt for the card. I do not have this as it was a gift, a very common use for these types of cards. I contacted the gift giver and they no longer have the receipt for the card. I still have the physical card and all the original packaging in my possession. 

When I asked XXXX how someone could register my card and use all funds without the physical card she replied, " hackers have access to all kinds of things on the internet. '' She also stated that this is a reoccurring issue with their cards. My guess is that a data breach occurred and information for multiple cards was lost or the processing company is illegally selling the information secondhand. 

I asked for any possible resolution to prove I'm the rightful card owner ( the physical card, the packaging, or any of the corresponding identification numbers ) and regain the stolen funds, however the agents refused to help in any way other than the original purchase receipt. This does not seem like a fair practice to the consumer as people do not typically receive a receipt with a gift card. It allows the company to skirt responsibility for widespread fraud perpetuated with their product.

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 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
BINANCE.US CLOSED MY ACCOUNT AND STOLE MY XXXX VALUED AT AROUND {$500.00} XXXX XXXX. THEY REPLIED TO MY FIRST CFPB COMPLAINT BY SAYING THEY WOULD RESTORE ACCESS TO MY ACCOUNT SO I COULD GET MY TAX DATA AND WITHDRAWAL MY FUNDS. THEY SAID A REPRESENTATIVE WOULD CONTACT ME ABOUT THAT. THEY NEVER DID. I CONTACTED THEM MULTIPLE TIMES ON THEIR WEBSITE AND THEY HAVE NOT REPLIED TO ANY OF THE 4 MESSAGES I HAVE SENT OVER THE LAST MONTH. THIS COMPANY IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX XXXX partial account # XXXX ) and XXXX XXXX partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and Experian are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XXXXXX/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 explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I was in an approved COVID-19 Forbearance Plan for the past 12 months. At the conclusion of the plan I finally was able to talk to a Loancare representative and completed a questionare process to be considered for a loan modification ( due to fact that I have a federally owned mortgage ) which I was advised that I was being approved at current market rate ( which as of XX/XX/2021 was in the 2.5 % range ). I never received a loan modification and was put on deferral plan as of XX/XX/2021 and my loan servicing was transferred to XXXX XXXX on same date. 

Loancare should be held accountable for these actions and I should receive the loan modification at the rate and terms promised by the service advisor. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC
State: FL

Complaint narrative:
I had a short sale on a property in 2013. It is no longer on my credit scores, however, the company I am trying to obtain a mortgage from has a report/record from somewhere about that short sale. What can I do? I resolved the issue and have been in good standing with my payments reflecting an excellent credit score. 

The company is TBI Mortgage. As I am having a home built in a community, I have to go through the builder 's lender for approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CA

Complaint narrative:
I received my claims to my Paypal account and it got closed for no reason i have to wait 180 days for it to be restored. We barely can eat.. Please help me resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: GA

Complaint narrative:
I mailed TransUnion my dispute letters over thirty days ago and this company has yet to respond which is a violation of the FCRA. I also did not give this company my permission to furnish these negative items on my credit report which is a violation of 15 USC 1681 I am entitled to {$1000.00} per violation.

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 2021-05-16 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: NC

Complaint narrative:
XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX  XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion 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 explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Revolut Technologies Inc.
State: MI

Complaint narrative:
I REQUESTED TO WITHDRAWAL MY REMAINING FUND BY ELECTRONIC FUNDS TRANSFER TO ACCOUNT XXXX ROUTING NUMBER XXXX. THE BANK DID NOT SEND THE TRANSFER PER MY INSTRUCTIONS. THEY CLAIM TO HAVE SENT IT TO ACCOUNT XXXX BUT I CONTACTED MY BANK. THEY DID NOT RECEIVE ANY DEPOSITS IN THAT AMOUNT TO THAT ACCOUNT. THIS IS NOT THE FIRST TIME I HAVE HAD PROBLEMS WITH THIS BANK. THEY APPEAR TO BE STEALING MY MONEY AND TRYING TO CLAIM THEY SENT MY MONEY WHEN THEY DIDN'T. THIS BANK SHOULD BE INVESTIGATED FOR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and SYNCB/XXXX  ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and SYNCB/XXXX 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 explanation
Consumer complaint received 2021-05-16 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and XXXX ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX 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 explanation
Consumer complaint received 2021-05-16 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: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company STERNRECSVCS ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bliksum, LLC
State: CA

Complaint narrative:
I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. 

On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. 
This above mentioned loan were never open and applied in my name and my wife. 
On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. 
On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. 

The above loan amount must never be in our name and must never be subjected for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I was receiving social security and I was approved for a total of $ XXXX in backpack which was made by deposit but a soc security letter was issued by mail stating the check would be mailed. I only ever received the $ XXXX deposit. 

Also received a letter from soc security stating I would get $ XXXX by check but I got a deposit instead. 

I believe I received another $ XXXX deposit from the AK Treasury and around another $ XXXX. 

I believe checks might of also been mailed in the amounts above where the letters stated they would be but I never received them. 

I received the first $ XXXX deposit and was able to access the funds just fine. 

The $ XXXX deposited and within two minutes was withdrawn or transferred by some unknown party other then myself. I have no clue who it was and Wells Fargo completely denies that the deposit had ever happened when I have " real email receipt confirmation of deposit and withdrawal or transfer 2 mins later ''. 

Another p $ XXXX deposited and went missing. No where to be found. 

There were other deposits that came in that continuously kept going missing. 

I had to close and reopen police 10 diff bank accounts due to fraud and the whole time wells fargo is refusing to credit my account for fraud. They aren't even sending me state mandatory communications in the mail like their policy promises to acknowledge charges being disputed. 

Someone underwrite my account for thousands of dollars. 

They implicated me for coming in to an institution and withdrawing thousands of dollars and my P.O.A. as well who is XXXX XXXX. They implicated her taking out $ XXXX in cash at the bank 1 year or so before the entry was made viewable. I believe XXXX 's, XXXX XXXX 's, XXXX XXXX 's and Wells Fargo themselves are stealing all my funds and underwritting my account. They brought it to a negative standing! 

Wells Fargo on XXXX themselves were refusing me my own $ when the available balance was like {$700.00} to {$900.00} by placing a handwritten negative mark next to where it gives the available balance. 

Wells Fargo has intentionally tried to steal {$200.00} cash at the drive through window. 

I have deposited checks and the $ i deposit just goes missing. They keep sending my inactive debit cards. They allow ppl into my account with the wrong verbal password. Friends of friends always know my balance. 

PRETRIAL ENFORCEMENT AND/OR XXXX XXXX HAVE USED UNDERWRITTING ON MY ACCOUNT TO STEAL THOUSANDS OF DOLLARS. THEY HAVE STOLE PROPERTY, EXTORTED $ BY THREATENING MY LIFE, HELD ME XXXX, THREATENED MY FAMILY MEMBERS AND 2 FAMILY MEMBERS ARE DEAD. 

OFFICERS ARE STEALING TOO AND REFUSING TO TAKE MY REPORTS OR DO ANYTHING ABOUT MY POLICE REPORTS REGARDING THE THEFTS. THEY NEVER FOLLOW UP ON MY REPORTS AFTER ONLINE SUBMISSION.

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 2021-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I made a purchase on XX/XX/13 Amazon.com using a Chase Amazon Rewards Visa card, and tried to use my Amazon Rewards points for the balance. The points were deducted from my account, but Chase would not authorize the transaction. The points however had been permanently deducted. Amazon support could not help. 

I contacted Chase on XX/XX/13 and they said they would investigate the matter. No response has been received from Chase. The order was cancelled by Amazon and now that amount of rewards points are permanently gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16 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: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$97.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation