vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i am a victim of identity theft on my credit file i have file police report and need these accounts deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed and called Transunion several times over the course the last several months in effort for Transunion to correct my employer information. 

As of XX/XX/XXXX Transunion states that it verified my employer as " XXXX XXXX XXXX '' I graduated from XXXX University in XXXX and I have not returned for any additional studies. 

Transunion is violating the Fair Credit Reporting Act by reporting old information as new information. 

The second issue that I have disputed and called Transunion several times over the course the last several months is the Account Type on my XXXX secured loan account number XXXX ( credit builder loan ) is listed as a line of credit and not installment, which Transunion thus calculate into my credit utilization causing a high utilization score. 

XXXX and XXXX both reports this account as a installment account please see attached documents. 

I also verified with XXXX that they are sendingTransunion the correct information. 

Transunion is violating the Fair Credit Reporting Act by reporting wrong information and refusing to change the account type on my secure loan causing harm to my credit score.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax XX/XX/XXXX requested via free annual credit report toll free # XXXX from Equifax. 
XX/XX/XXXX received a letter in mail dated XX/XX/XXXX their records indicate a free copy has been sent within the past 12 month. 
My records indicate the last report I received from equifax was XX/XX/XXXX, 2 years ago. 
XX/XX/XXXX XXXX XXXX ET I called Equifax XXXX I believe XXXX said it was XXXX priority to send me my requested free report except he was asking me questions I do not have the answer to and he wanted me to call back when i did have the answers, like what's my current balance of lenders, what is the min. payment, etc. I pay my bills in full. I don't track current balance or min. payment due. very frustrating. 
XXXX says I've received one in the past 12 months I want Equifax to tell me the date they sent it last, XXXX wouldn't tell me that. I have not requested or received a credit report from XXXX in almost 2 years so who did they send it to? 
I'm almost XXXX yrs old. I do not text I do not want to provide my mobile #. I will provide my home number as I still use a landline.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I applied for Citi XXXX XXXX Credit Card in XX/XX/2021, and was approved. 

Because the terms and conditions said that the welcome bonus offer is not eligible for customers who have received an offer within the last 48 months, I called Customer Service right after I was approved. The representative confirmed that I am eligible. 

So I made a large purchase on the card. 

However, later, Citibank notified me that I am NOT eligible for this welcome bonus offer.

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 2021-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is garnishing my wages for amounts that I do not owe to them. The summons they served me had no information such as date of service I owed these said companies just that I owed them money without any proper documentation one of which is XXXX XXXX and their billing department who has now locked our accounts for an amount of {$140.00} dollars which is preventing me and my wife from getting our medications refilled which are medications that could without them could cause serious harm to our health. My wife has been thrown into XXXX without some of her medications she is needing and they are withholding my XXXX XXXX XXXX medications from me as well. Per Express Recovery, they say I owe money to them but on the summons it says no dollar amount as to what I owe. I am being garnished through Express Recovery and they will not separate the medical part from the other I believe are false so with them not being separated, I can not get the mediation I need to help me with my illness which I would consider on not only Express Recovery but also the XXXX XXXX as some sort of Malpractice because my health has the potential to bad without mine or my wifes medication and if that happens then that would be a type of malpractice. With that being most important, my wages are being garnished and they have gotten away with the garnishment although no evidence or paperwork adding as to any dollar amounts. They need to be looked at because they are doing unlawful practices and they will not provide me with exactly the amounts per each accounts they have bundled together which is making it impossible for me to get medical treatment as well as taking money by garnishment that they have no right in taking which is severely affecting my like to take care of my familys medical and financial needs

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
Hi, I am reaching you because I am not getting any updates from Binance US side. Let me shortly explain what is going on.. Almost five month ago I received an email from Binance US that my account is going to be XXXX and I have several days to withdraw all my funds on the account. I did it, but there was a pending transaction that I accidentally fulfilled and money were transferred to my XXXX account. I opened a case and tried to talk with Binance US support in the face of XXXX XXXX. They opened my account, but I could not withdraw my money because there was some problem with XXXX XXXX sync there, I reached the support again and they stated that they are working on the resolving the issue. Eight month passed, but there is no result. I am a patient person, but it has been eight  month since I can not get my {$25000.00} back, I hope that you can help me with my problem because I dont get a response from anywhere ... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
After reviewing my credit report I found several items listed that are erroneous and inaccurate which are negatively impacting my overall credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Netspend Corporation
State: OH

Complaint narrative:
I received an unsolicited debit card for a checking account I did not open and a bank with which I have no business affiliation. I have attempted to contact the bank via phone, email and social media. All avenues require activation of the debit card or disclosure of my full ssn in order to speak with a customer service representative. This is unacceptable for a company that I do not have business with.

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 2021-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA

Complaint narrative:
This seems to be a XXXX XXXX XXXX Scam got via email. 
XXXX Ace Cash Express Payday Loan Good morning This is Attorney XXXX XXXX calling from The XXXX Law Firm, XXXX TX billing department. 
We are emailing you concerning an overdue bill. 
Case # XXXX Your Billing amount of {$740.00} Contact at : mailto : XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is currently 180 days past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 
We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 
If you can make the first payment right now, I can set your account up so that its no longer delinquent. 
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 
Note : This is your last and final chance to settle this case. 
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney. 
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 
Kindly let us know what type of payment arrangement ; you are looking for at mailto : XXXX Regards, ACE Cash Express, Authorized. 
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | Carrier

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: FL

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Avant has since last year been repeatedly changing the payment status on an older, closed account on my credit report. The changes have done damage to my credit score via XXXX and have been performed at least once a month, with one change on XX/XX/XXXX having resulted in a 70 point drop to my credit score. ( Please see attached document ) I've disputed with XXXX without result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I sent out a Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a Notice of Default and Opportunity to Cure on XX/XX/2021. 

I was actually spammed numerous times with the same reoccurring document that doesn't address my issue. Each one of the documents the company spammed me with also had violations under the FDCPA The affidavit of truth and cease and desist was sent due to my violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: Comerica
State: MI

Complaint narrative:
On XXXX. XXXX, 2021, I received a check from XXXX XXXX 's service center in the amount of {$100.00} as refund. Their check no. XXXX was written on Comerica Bank. I took the check to the Comerica Bank branch located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2021 to cash it. I was asked if I had an account with their bank ; I said " no. '' I was told I would be charged a {$10.00} fee. I was told I could take it to my financial institution for cashing and I replied, " How do you know I have one? '' I was told all banks require this fee, even if the check is written on the institution presented the check for cashing. I asked do I receive a receipt for the fee paid? The teller said no. I agreed to pay the fee and received {$99.00} and asked for a business card. The card received had the following information : XXXX XXXX, Asst. Banking Center Manager, XXXX. 

How is it possibly legal and acceptable for this practice to occur?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I have an auto loan with GM FINANCIAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
When my car got totaled in XX/XX/XXXX, I had gap insurance to pay for the balance. I called the loan company in XXXX, Nissan Motor Acceptance Corporation ( NMAC ), to ensure that all had been paid off. They informed me that it was and a check would be mailed for the balance. I asked them if they were sure that I was supposed to receive a check because the gap insurance was only supposed to cover the car and nothing extra. They assured me the check was meant for me. They mailed out the check on XX/XX/XXXX. On XX/XX/XXXX, I cashed the check and placed the money into my savings account. 
Fast forward to XX/XX/XXXX. I received a letter from NMAC stating that I owed them the balance of the check they sent me because they had credited the wrong account for the balance. Upon receiving the letter, I had the balance paid off within a week ( XX/XX/XXXX ). I called NMAC to ensure that there would not be anything negative on my credit report due to the interaction and they said there shouldnt be. When I got the update my credit report showed a past due balance, I called them back and they said they would submit my claim and information to their credit reporting team. I could not speak to them personally, but it was decided that because I had not made a payment - due to having a {$0.00} balance up until XXXX when they reversed the check, I was still late. They back dated the account on their end so that they could cover up sending out the check to the wrong person. But, you cant back date a credit report that updated monthly. I asked why they had not called me immediately upon reversing the check and they said that they had but I didnt have a voicemail setup ( false information because Ive always had one and there were no missed calls from them at any point either ). I even had to pay more than the original check because they included other fees on the payoff. I also did not receive any emails about the issue, which would have resulted in it being paid off sooner. They didnt send me any information or update my statements either ( see attached ). You can also see on the documents that there was a {$0.00} balance from XXXX when they reversed the original {$1600.00} credit. 

I just spoke with a customer service representative and they shared the more detailed documents with me. Can show proof it came from them if required. 

I tried placing a claim with Transunion and Experian but they sided with NMAC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

XXXX XXXX  did not update for a long time, it gives a bad impact to me and my children.

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 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX  company is very slow to process to make a report about credit utilization rate to three credit bureaus. I paid in full amount and made credit utilization zero to increase credit score to get VA loan ( Veteran ). 

Creditone bank did not update for a long time, it gives a bad impact to me and my children.

Company response to consumer: Closed with explanation