vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-23 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:
My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since 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 2021-05-23 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i haven't received any investigations results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been disputing the accuracy of the records from this company using the law, 15 USC 1692, on or around XX/XX/2021. Midland Funding LLC sent two letters attempting to collect a debt that I do not owe in the amount in the amount of {$470.00}. the letters were dated for XX/XX/2021 and XX/XX/2021 both letters State that the company has proof of verification from XXXX XXXX, the proof does not show validation. I received these letters on XX/XX/2021 I sent Midland Funding LLC a cease and desist letter on XX/XX/2021 through certified mail with a green receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
Wakefield and Associates placed a debt on my account XX/XX/2020 for the amount of XXXX. I never received a call or notice in the mail to resolve the debt. All the debt from XX/XX/2020, when I was involved in a car accident. I was represented by an attorney, so the account should have been sent to my attorney instead of on my credit. I called to let the company know I never received a letter from them and asked them to send me a letter they have yet to send me a statement.I also asked them remove the account of my credit and they refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: USCB Corporation
State: NC

Complaint narrative:
I checked my credit report and found a collections account from Uscb Corp, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I sent out a certified letter to Experian Credit Reporting stating that personal identifiers that they are reporting on my account are incorrect. Along with my letter I submitted half a dozen pieces of proof that the information, such as multiple incorrect addresses and multiple incorrect names, do NOT belong to me. I received a response on XX/XX/2021 via their app that only a phone number had been removed. XX/XX/2021 I sent out a second certified letter asking for the misinformation to be removed with several different pieces of proof that the personal identifiers they are reporting are incorrect. XX/XX/2021 I received a response via their app that my account had been updated, but no misinformation was removed.

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 2021-05-23 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:
In XXXX I signed an Agreement with XXXX XXXX ( see attachment ). They agreed not to report this account on my credit report. I was in communication with XXXX XXXX, XXXX XXXX XXXX. XXXX and I communicate through email. ( see attachment ). In XXXX XXXX XXXX was in breach of contract by reporting this account to the credit bureaus, which is reporting on my Equifax report and hurting my chances of getting approved for credit. I disputed this account with Equifax and XXXX XXXX, but they have yet to remove this account after providing documentations showing this account should not be on my credit report. My next step is to file a complaint with the XXXX, Georgia Attorney State General, and file litigation against Invitations Homes for breach of contract, and Equifax for refusing to remove this account after being provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am perminently locked out of my Paypal account. I am Paypal customer since 2000. Now, Paypal refuses to remove old phone numbers from their system so that I can complete 2 factor authentication. I made my request. 
Paypal 's response was to lock my account. On their site they say 'follow directions in email. ' No email was recieved. 

Paypal is singling me out for bad treatment and denying me access to my funds. 

Paypal needs to operate in good faith and return access to my account. 

User ID : XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IN

Complaint narrative:
I have money in Gemini XXXX for trading crypto currency ( XXXX ). While they went through a verification process to receive my money and have already done so, for some reason there is an additional verification process to withdraw my money. 

I checked XXXX and found that this is a common problem with users of Gemini : https : XXXX This is fraudulent activity. How can my identity already be verified to deposit my money and still require to be verified to withdraw my money? It is false and fraudulent behavior and likely conducted to control funds and for no other reason. 

I initially deposited funds on XX/XX/XXXX and XX/XX/XXXX. Today is XX/XX/XXXX and I have requested a withdrawal of these funds, but have been prompted to verify identity a second time instead. This prevents the actual withdrawing of my funds and I have read that the process can take weeks or months. No one should be allowed to keep my money from me without my permission for any period of time, especially not under false pretenses such as these. 

The platform additionally charges a variable amount for crypto currency, which can cause new users to falsely suspect that a trade that was once free might always be free of charge to conduct ( i.e. free to buy but not free to sell ). The whole scheme is unreliable and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have written a letter and asked XXXX and Experian multiple times to show me prof of my signature, picture, or any proof that I had consent on the hard inquiries on my credit report. Every time they replied they couldnt show me proof of any signatures indicating that it was me that made the inquiries. By law they are supposed to remove all inquiries if they cant provide proof. They are hurting my credit score by not removing the inquiries since they dont have any proof. I have three unauthorized inquiries that I dont recognize from both companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I was a patient at a XXXX XXXX treatment facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the cobra website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their XXXX XXXX  and XXXX. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and cobra to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXX  XXXX  facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not mentally/medically in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I checked my credit report and found a collections account from XXXX XXXX, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT

Complaint narrative:
I requested a Forbearance in XX/XX/2020. I was accepted and continued to request assistance through the Pandemic as my business and income was directly affected by Covid -19. In XXXX of 2020 the Forbearance ended, I continued to request assistance, and have since been given the run around, without much assistance or information as to the programs that may be available. I have been in constant contact with Rushmore Loan Management Services , LLC. and their Loss Mitigation Dept. On XX/XX/XXXX I requested again for a Loan Modification and sent a new application into the Loss Mitigation Dept. for review. I have since complied with all requests for new bank statements and all documentation that was requested. I have yet to get an answer just more delay and run around on what is needed. I have expressed over and over that I want to keep my home and that I can make the payments. Please assist me in getting this Modification completed and past due payments caught up. This has also affected my Credit, as they have been reporting to the Credit Bureau that I have been late! Before the Pandemic I was caught up and current on my Mortgage Payments. Please assist me to keep my home. Thank you, Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/21, I was charged {$520.00} with my credit card through Keybank for staying at the XXXX XXXX in XXXX XXXX, Ohio. I was not happy with the room therefore I didn't even stay there. I also was not happy because the staff were not wearing their masks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: PR

Complaint narrative:
I use Gemini.com to buy cryptocurrencies. I placed a limit buy for bitcoin. When I go to cancel the limit buys, like I usually do or did, it says I can not and says this : The provided account is restricted and can not perform this action. 

This is unacceptable, I do not want to buy more crypto. I need to cancel these orders and Gemini won't let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: CarMax, Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX I was forced to resign from my job due to COVID 19 pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to resign for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XXXX payment on times as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my disruption to XXXX and attempt to get my late payments from XX/XX/XXXX to XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it.. I have attached photos to show my last payment for the big {$1400.00} lump sum catching up and showing that my account is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I was a patient at a XXXX XXXX XXXX  facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the XXXX  website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their sober living and IOP. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and XXXX  to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXXXXXX XXXX facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not XXXX  in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: PA

Complaint narrative:
There is a collection account for XXXX XXXX  on my reports, and 2 separate collection firms have marked onto credit reports. 

They are I.q. data international for 2 amounts totaling {$10000.00} Also XXXX XXXX XXXX  is marking for same debt at {$11000.00} Neither firm has submitted proof of the debt owing, nor have they responded to requests showing an itemized list or pictures. And none of the credit bureau have removed collection as required by the FDCPA. 

I am appealing to you to have this removed immediately. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit acceptance corporation was notified by myself about a voluntary repossesion on a vehicle that my husband had and he was not paying on. I told them where the vehicle was and where to pick it up at. Credit acceptance continues to call me numerous times all throughout the day asking me to pay the remaining balance on the vehicle to keep it. I again explained to them that I had already previously called them and wanted them to repossess it. I explained once they get the vehicle and auction it off then we can discuss settling whatever balance is owed. Credit acceptance has continued to call every day and even called today XXXX XX/XX/21 XXXX on a Sunday, which is considered a XXXX  holiday for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 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: Concord Servicing Corporation
State: CA

Complaint narrative:
I had a Home Improvement loan with Concord and a balance of {$16000.00} which I paid off on XX/XX/XXXX and they wont update the credit report with a XXXX balance so my rating is going down because it looks like I have XXXX more debt then I should have total. I submitted a dispute and they said the info is correct which it was for XXXX but they have not updated the info to the credit bureaus for 3 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
We received an XXXX card as covid 19 stimulus. I called in and got a pin number. However, the card balance is XXXX. Why? I can't get an answer from XXXX 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