vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I am a 100 % XXXX veteran. I am exempt from property taxes in the state of florida. I supplied that information to the servicing company. The XXXX XXXX XXXX XXXX XXXX XXXX supplied that information. The mortgage company will not stop collecting taxes and in fact have increased my payments for escrow starting in XXXX of 2021. After repeated attempts to get this fixed with them, they refuse to correct their error. They keep telling me that they are going to fix it but they never do. They are essentially stealing money from me and holding onto it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I discovered on XX/XX/23 that my ~ $ 50K in funds on Binance XXXX is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail, ONLY received one templated response!!! And now almost two months in, I still haven't received any resolutions on this issue, and the company still haven't responded to my latest inquiry for resolve this issue. They would only respond with template answers every time I file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this 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 2021-04-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this 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 2021-04-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to Experian because the information was inaccurate. I highlighted which items had discrepancies as compared with my XXXX  report and I requested that the information be removed. They have not removed the inaccurate information. Thank you.

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 2021-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I am exempt from property taxes because I am a 100 % XXXX veteran and this company is continuing to charge me for property tax even though my county informed them that I am exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I obtained a loan through XXXX XXXX  in XXXX XXXX ca via XXXX XXXX XX/XX/XXXX. XXXX, from my understanding, obtained the loan through XXXX XXXX. By XX/XX/XXXX, i hadnt received any services from XXXX XXXX  I informed XXXX and they told me i had to speak with the XXXX  company. I spoke with them and called XXXX again on XX/XX/XXXX. At that time i was given specific instructions on writing to request a refund from proceed finance. I was told i personally had to cancel the loan and request a refund of what Ive paid to XXXX. The letter requests a refund within XXXX to XXXX business days. 

XX/XX/XXXX, i called to follow up. I spoke with XXXX and XXXX, as well as a supervisor named XXXX. XXXX was helpful and promised to email the department that issues the refunds. I spoke with XXXX and she told me there wasnt nothing she could do to speed up any process of refunding what Ive paid them. She said it was unfortunate that i received erroneous information from the person that suggested 5 to 10 business days for processing. I then spoke with XXXX, t the supervisor. He found the refund in the system and suggested i would probably receive it the next week but he couldnt promise a day. 

XX/XX/XXXX i spoke with XXXX. She also saw my refund in the system but had no answer as to when i would receive my refund. She promised to email the department again that issues the checks and to also file a complaint on my behalf with the supervisor, XXXX XXXX who should give me a call back, and also with XXXX XXXX. 

Today is XX/XX/XXXX and i still have not received any call backs nor refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received my stimulus payment on an American express serve card. I received the payment and was never sent an email or was notified in any way, the only reason I found out was bc I called. I had received my last payment on one of the same cards but apparently not the same card as they are not linked. Instead my money came on a card I had never ever had possession of, so the customer svc person sent me out another card. I received it nearly a week ago, talked to over 30 ppl been hung up on, spoken badly to, spoken to everyone and still have no answers. They say I have to register it and then I can activate it after I complete email verification..I would love to..but I've received just as many broken links as I've been hung up on and given the run around..I suspect fraud i don't know where to turn next. I'm unable to register/activate/ or do anything with this card yet it holds every penny I have to my name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the XXXX XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
A closed account recently past the statute of limitation and was estimated to be removed on XX/XX/XXXX. On XX/XX/XXXX Equifax removed the account in question and then added the same account back on XX/XX/XXXX causing an unfair drop of 36 points to my Equifax credit score using the vantage XXXX scoring model. If the account was removed prematurely by Equifax ( i.e ) by a matter of days I believe this would fall under the FCRA as unfair untimely and inaccurate credit reporting. When the account was removed it virtually had no impact on my credit score using XX/XX/XXXX but when this old account was added back it had an immense impact on my score I dont feel this account was weighed fairly. Lastly I have made great strides to improve my credit and have been met with adversity at almost every step of the way but would like to thank the CFPB for all your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: CA

Complaint narrative:
I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but experian and XX/XX/XXXX refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; 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 2021-04-08 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:
I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but XX/XX/XXXX and equifax refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
An address has appeared as a past residence of mine (XX/XX/XXXXXXXX XXXX XXXX XXXX IL XXXX ) I have never lived/resided at said address. I have disputed about this matter ( XXXX ) and yet no change.

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 2021-04-08 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK

Complaint narrative:
the commerce bank XXXX XXXX gives my account on XX/XX/2019 and onXXXX XXXX 2019 the account was emtied as a bank and as a bank invested in my bame without my permiddion here in the neterlands is that puneshable is the bank alowed to do so in usa is also prohibited for you? please help me i have documents if you have en e-mail adres? then i can send you documents XXXX. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
WARNING. Compliance of HIPAA LAW VIOLATIONS. Medical Revenue Service. Violated my medical confidentiality by mailing a copy of my medical treatments through the US postal service dated XX/XX/31. MRS also Sent my medical treatments electronically 4 times through cfpb attachments. These both are HIPAA violations. I will send a complaint to HIPAA. These accounts must be deleted from my credit reports immediately.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my 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 2021-04-08 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: OH

Complaint narrative:
Credit reporting agencies do not have same information underwriting have. The three credit reporting agencies tell me they dont have information that my XXXX XXXX XXXX loan is in default, but current. Underwriters ( banks ) say I pay {$3000.00} a month. Ive produced documents from the XXXX showing what I pay XXXX {$0.00} XXXX. Thus no loan.

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 2021-04-08 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: MO

Complaint narrative:
account closed and was told it was going to be removed and it's closed and continue to update please delete this account for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
I have filed several disputes which should have been returned but we're not and requested a merchant be blocked yet they had access to charge my account anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I filed a " Dispute '' of XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$4100.00} Balance updated XXXX XXXX, XXXX ... I have never had any Accounts with XXXX XXXX XXXX! MY " IDENTITY WAS STOLEN '' WAY BACK IN, ABOUT XXXX ; AND MY PERSONAL STUFF IS ON THE DARK WEB, AS SHOWN BY EXPERIAN. BACK THEN, CRIMINALS FROM XXXX XXXX  WERE SELLING MY INFO/AND DATA ALL OVER THE WEB. 

ALL OF A SUDDEN, THIS XXXX XXXX XXXX  AND XXXX XXXX XXXX, SHOWED UP ON MY CREDIT REPORT IN XXXX. Payment Info Original loan amount {$4100.00} Balance {$4100.00} Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. XXXX XXXX XXXX XXXX XXXX ARE VERY " BAD ACTORS '' AND SEEMS TO UTILIZE " CREDIT PARKING '' : XXXX XXXX XXXX ( XXXX XXXX XXXX? XXXX ) FTC Stops Debt Collectors Alleged Debt Parking Scheme, Requires it to Delete Debts it Placed on Consumers Credit Reports PER/EXPERIAN ... Dark Web Internet Surveillance Monitors the dark web for any activity associated with your identity. Learn more! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Phone Number Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Email Address Alert XX/XX/XXXX See Details! 
Compromised Social Security Number Alert XX/XX/XXXX See Details! 
Compromised Email Address  Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX Report XX/XX/XXXX See Details Compromised Social Security Number Alert XX/XX/XXXX See Details XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX See Details We're searching the past if your information was compromised or used by an identity thief, so come back soon to view your 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 2021-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Allied Recovery Solutions, Inc.
State: NJ

Complaint narrative:
Received an email with a letter attached from XXXX XXXX of Allied Recovery Solutions, threatening to have my drivers license suspended for an alleged debt that my insurance company I use to have is not paying according to XXXX. 

XXXX - I told XXXX I needed some time to get back to her. By some time, I need more than a few weeks. I have lost several family members from XXXX, which has caused me to deal with issues well outside what anyone could understand. 

XXXX. The accident XXXX is referring to I had already went to court for and paid, in full, the fines for the tickets issued to me. 

XXXX. When I had to provide my insurance information, it would have been established at that time that I didn't have coverage. Therefore ; XXXX 's threatening letter stating I did not have coverage is false. Furthermore, I would have received a ticket for this which again, I wasn't. 

The letter of the threats are attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation