vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/21 - Noticed restriction placed on my Savings account after attempting to transfer funds out of account. Contacted customer service through chat. 

XX/XX/21 - received response advising me the account has been placed on temporary suspension due to potential security concerns. List of documents required to release hold. 

XX/XX/21 - called customer service and discussed requirements and confirmed documents can be sent through chat. Sent requested documents through chat. 

XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 



XX/XX/21 - requested status of my account hold XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - Requested an ETA XX/XX/21 - received response " Send a follow-up message up to get a ETA for. '' XX/XX/21 - requested response for ETA XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - requested updated XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - send message that I will be filing a complaint with CFPB if specifics of timeline of resolution is not received by XX/XX/21 XX/XX/21 - generic response received of currently reviewing documents. No timeline of when a response will be received. 

XX/XX/21 - filed a complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
there are inquires on my credit report that I never seen or authorize

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 2021-08-12 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: MoneyLion Inc.
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on MONEYLION. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Go Capital Holdings, LLC
State: IN

Complaint narrative:
Pursuant to 15 usc 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 usc 1602i means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor pursuant to Title 15 usc 1602g. Pursuant to 1681b ( a ) ( 2 ) I have not provided expressed written consent for any of these items to be furnished on my report. You do not have permissible purpose to furnish these items. I demand pursuant to 15 U.S.C. 1681a ( 2 ) ( B ), 15 U.S.C 1681b ( a ) ( 2 ), & amp ; 15 U.S.C. 1692g that the following transactions : GO FINANCIAL Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX XXXX Inquired on XXXX  XXXX, 2021 be removed from my credit report immediately as you are violating my rights as a federally protected consumer under title 15 chapter 41. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the below actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4 ) Violations of 15 U.S.C. 1681a 5 ) Violations of 15 U.S.C. 1681b

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 2021-08-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TX

Complaint narrative:
I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter in a mail that BB & T ran my credit for a car loan. I did not authorize them to use my information. This is not the first time my personal information has been used or released from this bank. Its the main reason why i left

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) XXXX {$140.00}

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 2021-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
RECEIVED LETTER THROUGH THE MAIL ADVISING OF DEBT OWED. NO VERIFICATION OF THE VALIDITY OF THE DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Hello, I am trying to regain access to my compromised account for my cryptocurrency at coinbase - after XXXX  company allowed identity theft and sim card number swap.I have been waiting form the coinbade specialist to contact me for over XXXX business days when in a original message stated to wait XXXX business days. I am highly concerned and unfortunately disappointed in the customer service coinbase is providing in such a sensitive case. I will be filing complaint in a hope that others dont have to go through the same stress associated with choosing coinbase as their cryptocurrency trating up. 
I am hoping someone will care to provide me with my case status update as soon as possible As well I have no response from tmobile after filing fraud and no help or directions or taking the responsibility for what happened what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Contacted them 9 different times on in the last 5 months MUTIPLE times. 
Late fees are keep being applied to my account. The merchandise I ordered was never sent to me. I keep getting applied interest to the account. I got a police report on file and a detective trying to investigate. But American Express does not care about my problem and just wants my money. There is multiple cameras outside my residence that proves my statement of me not RECEIVING anything. But they call me a liar which is very unlawful and illegal. I dont have a say because XXXX XXXX XXXX? Im not a criminal or ever been one. 
I keep trying to reach out to the American Express customer service and they just put me on hold for long periods of time and transfer me to another employee where I have to keep repeating myself about the problem. I beg you please help me. This is illegal FRAUD. American Express is doing against me. Im a XXXX  XXXX  that is being cheated out of his rights. What do I need to do?? I have filed a dispute but they keep denying me and being very disrespectful to me. I have multiple LEGAL RECORDINGS OF THE EMPLOYEES SAYING THEY DISPUTE THE CHARGE BUT I KEEP GETTING CHARGED LATE FEES AND INTEREST FEES. How come this company doesnt help me??? Please Im desperate for help!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I sold my house and paid off my mortgage of XX/XX/2021. On XX/XX/XXXX Lakeview Loan Servicing LLC sent a letter to my new address advising that the balance of my escrow account would be sent to me in 10 to 15 business days. On or about XX/XX/XXXX I received a letter forwarded from my old address stating they had issued my check for the balance on XX/XX/XXXX. I called and was informed the check was sent to my old address, even though they had my new address, as reflected in the letter of XX/XX/XXXX. I immediately called and they promised they would stop payment on that check and issue a new one to the correct address in 3 to 5 days. I called again 2 weeks later and was told the new check hadn't been issued yet but they would request it again and it would be sent in 5 days. On or about XX/XX/XXXX I called again and was informed the check was issued on XX/XX/XXXX. I called again today to tell them I haven't received the check. I was then told that the check would take 10 to 15 business days to get to me and there was nothing else they could do. It is my understanding they had 15 business days from XX/XX/XXXX to issue my escrow refund. They did not do this and don't care. Is there a penalty for missing that deadline? Even if they issued the check timely to the wrong address, it would have been forwarded to my by now. I believe they are intentionally dragging this out.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IN

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
REPEATED CALLS FROM THIS COMPANY SAYING THAT THEY ARE TRYING TO COLLECT A DEBT.. THAT THEY WERE TRYING TO COLLECT A DEBT THAT WAS WROTE OFF BY THE ORIGINAL CREDITOR WHICH THEY GOT A TAX BREAK ON SO NOW MEDICREDIT IS COMMITTING TAX FRAUD AND BREAKING HIPPA VIOLATIONS XXXX HAVING MY PRIVATE RECORDS ON FILE WITHOUT MY CONCENT

Company response to consumer: Closed with explanation