vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: OH

Complaint narrative:
I have a Chase XXXX XXXX XXXX that is linked to United Airlines. It has a yearly fee of {$95.00}. In exchange for the fee, it promises ( among other things ) 2 United Club one-time passes per year. These are supposed to be distributed automatically on the anniversary of receiving the card. I didn't receive any for this year. I asked for them and after many hours on holds was told that they would eventually be distributed to me. I've never received them. I have paid the fee though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am not owing and can not pay {$1000.00} To XXXX XXXX that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being XXXX XXXX waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to XXXX XXXX before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: GA

Complaint narrative:
I am a victim of Identity theft. I have enclosed a notarized Identity theft Affidavit proving it is in Fact me that submitted this report I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: NY

Complaint narrative:
My name is XXXX XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
M & T BANK received my cease and desist on XX/XX/2021. I, the consumer, demanded that all forms of communication ( calls, emails, letters, communication to third parties such as consumer reporting agencies ) cease through any and all mediums. M & T BANK has not ceased communication. M & T BANK has sent another attempt to collect a debt on XX/XX/2021. M & T BANK sent communication through the mails stating they will continue to send correspondence by mail. M & T BANK stated they will continue to furnish this alleged debt to third party consumer reporting agencies. This is a direct violation of 15 USC 1692c ( b ) and 15 USC 1692c ( C ). I the consumer refused to pay this alleged debt and demanded M & T BANK XXXX out the balance on this account ; return all payments that have been made on this alleged debt, which was a consumer credit transaction and it is a positive balance, back to me the consumer by check pursuant to 15 UC 1692h ; Delete this inaccurate account information being reported to all my consumer reports. M & T BANK had no permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ) nor did I give M & T BANK consent to have my nonpublic information which is identity theft pursuant to 15 USC 1681a ( q ) ( 3 ). I demanded an audit trail ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) for this account. These are my specified remedies pursuant to 15 USC 1692c ( C ) ( 2 ).

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 2021-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am not owing and can not pay {$1000.00} To advance financial that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being Advance financial waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to Advance financial before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: MS

Complaint narrative:
My name is XXXX, my identity got stolen. You should blocked the information in the file that I've mentioned. I am submitting the copy of my ID, an Identity theft report and a notarized identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
This company has 3 different amounts I owe. Ive explained to them that I no knowledge of these amounts and I needed proof. They told me, they are not required to show me proof. I told the woman on the phone. Why couldnt I have proof of something Im required to pay. I was told the only thing they can do is send me an itemized bill. Which is still not proof. And I still havent received that information yet. I never received the bills in the mail before it went to collections. Ive disputed this multiple times. They havent put any of my response on file. I want these removed from account. Please help me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I filed 2 fraud claims for XXXX and XXXX total claim amount XXXX and bank of America is refusing to credit my account my temporary credit

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 monetary relief
Consumer complaint received 2021-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
On XX/XX/2021 I received a letter from XXXX management  consulting Company stating that my loan had been transferred to and that the payments were expected by XX/XX/2021. On XX/XX/XXXX th, I received an updated letter stating that the payments should not be sent prior to XX/XX/2021. In the midst of this, I attempted to send payment to no avail. I eventually sent the payment to the previous servicer ( XXXX  ). 
I am in fear that this is a scam for I never could communicate to XXXX. I also received a letter from XXXX XXXX but also could not. I would like this company to be investigated for fraud.

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 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I had a series of transactions attempted on my account. Two ( 2 ) were approved to XXXX for the amounts of {$32.00} and {$49.00}. I researched the merchant and its affiliates and confirmed that I had never done business with the merchant. I contacted CashApp ( Square Inc/XXXX  XXXX  XXXX to report the transactions on the CashApp Visa. I was told that I couldn't dispute the transactions until the transactions hard posted to the account. The card was shut down and replaced. On XX/XX/XXXX, both transactions posted and I contacted CashApp and disputed the transactions. On XX/XX/XXXX, I received a response that the transaction would be disputed and the merchant the network allows 45 days to review and resolve the claim. No mention of a provisional credit as required by Regulation E ( EFTA ). 

The very next weekend on XX/XX/XXXX, two more transactions posted to my account with the new CashApp Visa card that had not yet been activated. The transactions were to XXXX in the amounts of {$220.00} and {$26.00}. On XX/XX/XXXX, I reported these transactions and asked when a provisional credit would be issued. I was told by the agent that the transaction would be disputed but no further discussion could be done regarding the process. I then responded to the dispute analyst that was handling the first two transactions, he said they had 45 days. I shared with him my extensive knowledge of financial services regulations because of my job and 20 years in the industry. I advised I am supposed to receive a provisional credit. I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
MARINER FINANCE, HIGH POINT, NC : This company sent me a check which I deposited ( I did not solicit them ) and within 30 days, MARINER FINANCE sent another check, and, I deposited it, as well. In-the-meantime, I scheduled quite a few Home Improvement jobs with Check # 2 ; But MARINER CXL CHECK # 2 within 48 hours after I deposit at my BOA. But, I scheduled home improvement jobs with check # 2 ( not knowing MARINER was going to reverse the {$3500.00} check they sent me ). When I called MARINER CSR she said : " you can not have a 2nd loan within 60 days of the 1st loan '' ... I said to her : THEN WHY DID MARINER SEND ME A CHECK KNOWING I ALREADY HAD A LOAN THAT WAS NOT 60 DAYS OLD. '' She said " you have to read the fine print ... ..??? SUCH A SORRY EXCUSE. I live on SS check and this has really, really, really been a bad exper. for me. 
MARINER FINANCE practiced bad, bad customer service here without notifying me that they were going to REVERSE the $ $ back. THIS WAS WRONG ...... I SHOULD NOT BE PENALIZED FINANCIALLY FOR THEIR MISTAKE ... No one who already has an account with MARINER should have to go thru this. And their CSR should not EVER say : Read the fine print TO ANYONE .....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I the consumer did not consent too nor authorize these inquiries that are reporting to my XXXX report. I did not give not give my permissible consent to none of these corporations to obtain my consumer report from TransUnion. Everything is electronic I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Per federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via Usps certified mail. Is TransUnion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because those inquiries that have no connection to me. If you can provide me a copy of a credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I demand remedy per federal law for my damages that have concurred. Per section 15 USC 1681n ( a ) I am demanding {$1000.00} per inquiry.

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 2021-10-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My equifax credit report date of XX/XX/2021, located in the equifax credit report " REVOLVING ACCOUNT SECTION '' has not updated for several months. The reported balances and credit utilization percentages are incorrect in this section of the report. This can have an adverse impact on my credit score. Please have equifax update the " revolving account section '' to reflect actual balances in other sections of this same report. 
I have talked to several different customer service reps. who have done no changes over the months. i dont know what else to do. please help me to correct this problem. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: OH

Complaint narrative:
ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over45 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 plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was 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 2021-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: NC

Complaint narrative:
I paid the collection agency " Firstsource Advantage LLC '' {$2100.00} on XX/XX/2021. Despite this payment in FULL, the collection agency is refusing to notify the original creditor, XXXX XXXX XXXX , that the debt is paid in full. Therefore, I have a charge-off of {$2100.00} reported on all 3 credit bureau reports by XXXX XXXX XXXX XXXX Further, I logged into the payment website for Firstsource Advantage LLC on XX/XX/2021 at XXXX XXXX  XXXX and the account STILL shows a balance of {$2100.00} ( documentation attached ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: MI

Complaint narrative:
I have an issue with Binance.US about 5 months of a charge back which I owe them I paid them back the money and try to withdraw my money from their platform since XX/XX/2021 I have done all the verification needed but there still wont let me get my money all I need is my money I have up to {$4900.00} in there 2 months ago the account was lock while there were trying to fix the withdrawal issue now I cant login to the account again as at this moment I have also done all the verification and provided all the documents required but there dont want to reply my mails Any more I am currently on debt because of Binance.US

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I contacted Express ( XXXX Bank ) in regards to me having to temporary deploy late XXXX of XXXX. I submitted XXXX XXXX over showing that I was out of country. I asking due to XXXX Sailors Act could they honor the late payments due to me not having access to pay the interest that occurred on the account. I received a denial for that. 

On XXXX of XXXX I was diagnosed with XXXX. I submitted documents stating that due to being hospitalized I could not make payment. They still placed a late payment to my account and told me unfortunately they could not waive the late annotation on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a lady who claimed to be a representative with Ace Cash Express. She asked me for my social security number over the phone to pull up my account. I do not have an account with Ace Cash Express. And I believe this caller was attempting to steal my identity and SSN. She may have done this with other innocent people. The phone number is ( XXXX ) XXXX. The lady said her name was XXXX. I received the call at XXXX XXXX on XX/XX/2021. She left a message on my phone, which I will attempt to upload.

Company response to consumer: Closed with explanation