vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelson Cruz & Associates LLC
State: CA

Complaint narrative:
I was checking my credit report, noticed a collection account, an account that I've never heard of. 

Nelson Cruz Associates XXXX XXXX XXXX in the amount of {$640.00} opened on XX/XX/2021 That's impossible! I DID NOT OPEN ANY SUCH ACCOUNT! The company has extremely limited contact information, no address nor phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: TN

Complaint narrative:
First Financial Asset Mgmt Inc owes me Monterey relief for the damages and violations against me XXXX XXXX The Natural Person & Consumer .FFAM INC sent me a letter stating I owed a debt. In this letter was numerous violations that FFAM INC IS AWARE ABOUT! I have attached an affidavit of truth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with TransUnion and XXXX, who will not update the status either.

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 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC
State: GA

Complaint narrative:
After my identity became compromised unauthorized accounts haunted my credit file. Not one of these accounts I authorized and got in business with, This account " Lending point LLC ", Im demanding it be blocked and immediately removed from my file. There's no agreement with this company, Lending Point LLC, in which you and/ or your companies can produce any written binding physical contract or / any other instrument of me agreeing to any business with the above companies. Therefore, please remove account immediately. 1 ) Lending Point LLC. 

Attached is the FTC provided various times to Lending Point. They are not willing to investigate the issue and deny with no reason. They continue to refer me to XXXX XXXX XXXX, a company they sold the loan off to before the end of this investigation and XXXX XXXX has already removed this fraud loan off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
My wife and I moved to Indiana around XX/XX/2019. We subcribed to XXXX for T.V. Internet service against the advice of other residents that had the service. The service was so bad that we couldn't watch TV because it kept buffering and dropping.We always had a hard time reaching tech support and customer service. We canceled the service within 2 months and returned their equipment. They sent our account to collections to Eastern Account Systems and it's on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have these accouts that are not mine and i want them to be removed. 

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My student loan account with XXXX/XXXX  was opened on XXXX XXXX and the account became active for repayment on XX/XX/XXXX. 

The account is closed and was paid in full on XX/XX/XXXX. This bank has been inconsistent in their reporting of this account, particularly by reporting it in good standing only after I filed a dispute and even then, they only updated 1 of the 2 credit bureaus with the accurate information. There are several months over several years where the data for payment and other account information has been reported as 'Unknown ' or not at all. 

Further, the first date of delinquency on this account was XX/XX/XXXX which is over 7 years ago yet this bank has failed to remove this account from the credit bureaus. All three credit bureaus have stated to me that the accounts should be removed. I contacted this bank, both by phone and mail, requesting that they update my credit reports. Instead of removing the accounts, they cherry pick a payment date and confirm it, keeping the accounts on the credit file. I spoke with this bank today, XX/XX/XXXX, and they attempted to do the same thing. 

They have failed to take the appropriate and lawful action to correct my credit profile. I have suffered as a result of this negligence in higher interest rates and credit denial. As a statement of fact, I have 13 other accounts on my credit file, all with exceptional payment histories. XXXX/XXXX  is the only adverse account on my credit file. This bank has been so negligent in their reporting that they reported the status of my payment for XXXX and XX/XX/XXXX as OK but then reported the status of my account for XX/XX/XXXX as 90 days past due. How is it possible to be 90 days past due in a month where the previous two months were reported as OK/Paid? This is but one example of the gross negligence of XXXX/XXXX  regarding my account. 

This gross negligence and neglect to my account in the credit bureaus appears to have been intentional as I have made this known to this bank numerous times. I am requesting that this account be removed from all three credit bureaus immediately and not reported to them again, as it has been over 7 years since the first date of reported delinquency. My next step will be to take legal action. I am also reporting this matter to the State Attorney General 's office.

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 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

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 2021-08-30 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: The Outsource Group, Inc
State: NC

Complaint narrative:
Unauthorized use of my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a mortgage loan from welsfargo and did deferment for 16months due to covid. I took my loan out of deferment this month XX/XX/XXXX and was told I have an active account for XXXX. 

When I started deferment my principal balance was XXXX. I was told that when I started my deferment it would put a pause on my payments and I would not owe any additional money for pausing the payments. They did say I may have to make a balloon payment for my missed payments but that would apply to my principal loan amount of XXXX. I took myself out of deferment XX/XX/XXXX and now my account says I owe XXXX. 

I have attached a screenshot of my statement from XX/XX/XXXX showing that my loan principal amount was XXXX and a screen shot of my wells Fargo mortgage account summary to show the increase put on my principal balance in XX/XX/XXXX. Also I want to let you know my mortgage amount does not include property taxes or home owners insurance as I pay that seperatly and am up to date on payments. 

I called to inquire why my principal balance went up when it should have not changed. From what I was told when I started the deferment, welsfargo should have just paused the payments and then I should have just picked up where I left off after pausing. As far as missed payments go I was suppose to be able to put them at the end of my loan. It appears welsfargo put the missed payments at the end of my loan and added them to my balance. 

When I called on XX/XX/XXXX I got transferred 4 times and then hung up on. No one is able to give me a straight answer and they are saying I have to pay XXXX additionally to the amount I owed before deferment.

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 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
On XX/XX/2013 I notified the three bureau 's of fraudulent accounts reporting on my credit report that continue to report despite the fact I followed the appropriate steps to prove the accounts do not belong to me. Please see accounts below that does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have sent a follow up 2nd Request for these accounts to be removed because I have not received responses from some of the bureaus in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
On XX/XX/2021 I initiated a transfer of XXXX XXXX ( ( ~ {$15000.00} worth of the digital asset Binance XXXX ) from my personal digital wallet to the BinanceXXXX account wallet in order to sell the currency for cash. 

My personal wallet had two options for selecting which blockchain to use. I accidentally sent the XXXX assets via " Binance XXXX XXXX '' instead of " Binance XXXX, '' a confusing process which is not clarified on their website. The assets were not sent to my BinanceXXXX XXXX as expected, but instead went to a different wallet. 

Here is the Ethereum transaction ID which shows that the assets were sent to " XXXX XXXX XXXX '' which is an administrative wallet owned by BinanceXXXX. 
XXXX I immediately opened up a support ticket with BinanceXXXX to explain the issue and I provided them with the information and confirmation video/screenshots at their request. They said my issue would be eventually resolved and my assets would be credited back to my wallet, but it has been over 4 months and no resolution. 

Throughout this time I reached out via email multiple times, and multiple social media platforms. Support reps have said to me multiple that my issue was " escalated, '' but nothing has come from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This company, Shellpoint Mortgage, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and XXXX, who will not update the status either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: GA

Complaint narrative:
This company, XXXX XXXX, is inaccurately reporting late payments to my account, during a Covid 19 forbearance plan. I have contact the company multiple times and they will not update the information. 

They have been contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and their claims resolution company refuses to update the status of my account. 

I have also disputed this information with XXXX  and Equifax, who will not update the status either.

Company response to consumer: Closed with explanation