vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
In my capacity as CEO of XXXX XXXX , XXXX. I hired XXXX, XXXX, & XXXX to hemp with payroll and account services for XXXX XXXX XXXX XXXX. 

Unable to get monthly invoices, confirmation of fees, etc. said firm delivered a large bill for a years worth of services. 

XXXX XXXX XXXX XXXX XXXX challenged fees as excessive and an annual bill as deceptive. A dispute over charges and and fees began. 

Said Accounting firm hired debt collection law firm Overton , Russell , Doerr and Donovan , LLP to collect the debt from XXXX XXXX XXXX XXXX. Instead of just filing against the business, the law firm started collection efforts against me as an XXXX of the company ; serving me at home, sending bills and correspondence to my home and business. 

ORDD Account Number : XXXX XXXX No : XXXX I called the law firm to tell them that we are a corporation and I am not personally liable for the corporate debt. 

XXXX XXXX XXXX XXXX filed for Bankruptcy in XX/XX/2020. 

XXXX, XXXX and XXXX, XXXX was listed on XXXX Farms, bankrupcy forms and both firms are aware of XXXX 's bankruptcy, yet they continue to harass me personally for the debt. I can find no instance where this is permissible. They know I am not personally liable. They know the company is in bankruptcy, but they are unmoved by their legal and ethical responsibilities. 

I am asking that they stop trying to collect from me personally and that they reverse any damage they have done to my credit report by removing as invalid any submissions to credit reporting agencies and provide a list of any and all contacts they have made in an attempt to fraudulently collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2021, I received a letter from Credit Corp Solutions , IncXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay XXXX with a XXXX XXXX. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a XXXX credit card or had an account with XXXX. 

Credit Corp Solutions wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Dear XXXX, Equifax, XXXX, Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Payment history is completely inaccurate! Loans on Forbearance from XX/XX/XXXX to XX/XX/XXXX and XXXX XXXX showing 90 days late when XX/XX/XXXX - XX/XX/XXXX are on time. Another forbearance was granted XX/XX/XXXX - XX/XX/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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
Loancare was the servicer of my mortgage. On XX/XX/2021 I refinanced and closed on this mortgage. The escrow funded on XX/XX/2021. Effective XX/XX/2021 Loancare transferred the servicing of my mortgage to XXXX XXXX. Loancare has not acknowledged the mortgage pay off in the amount of {$450000.00}. I have been trying to reach Loancare by phone and email since XX/XX/XXXX, with no response. Their phone system is a endless automated loop without any way to speak with a human. I have also sent numerous emails without ant response. In addition, they have {$2100.00} in my escrow for taxes and insurance. My credit is being damaged as well by not acknowledging payment. This is totally unacceptable. Please help.

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Leasing company has tried to ruin my refit by placing a creditor for an amount that was never discussed upon leaving the complex. They show a contract that was not accurate and fees that do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I had an account with XXXX XXXX Acc : XXXX from XXXX to XXXX which I later ended because my apt building was providing free internet. After some time, XX/XX/XXXX, I had a slow connection in the apt building so I opted to get my own router from XXXX  and reactivate my old account which was already connected to my phone app and mobile. This I directly stated to the XXXX  representative. a few days later the internet connection with the XXXX  router was not any better and so I called XXXX  to deactivate my account and I decided to go back to the apt internet. At this time I did not know that they had assigned me a new Acc XXXX. I kept checking my mobile XXXX  app that continued to show that I had XXXX balance to pay. I did not receive any email or mail from XXXX informing me of any outstanding bills apart from the non solicited advertising mails/emails. I did not receive any communication from Sequium regarding any outstanding bills. Recently I checked my credit score and I realized it had gone down by XXXX and it was due to unpaid bill from XXXX  as posted by Sequium. I contacted XXXX  who initially told me I had XXXX balance and on my 3rd attempt to get answers, that's when I was informed they had 2 accounts under my name. I have paid the bill XXXX {$170.00} ) and returned their equipment. My attempts to explain my case to Sequium have been unsuccessful. 
I feel I was treated unfairly by both XXXX  and Sequium and I am wondering why there was no free communication if this is not an act of fraud. In addition, I specifically informed the XXXX  representative that I was reactivating my old account. If by error they assigned a new account without educating me as their customer, why didn't they send me an email or give me a call to clarify this. In addition, why didn't sequium contact me about the debt before posting a negative report on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am an Amazon XXXX  Store Card holder which is financed through Synchrony Bank. I pay my current balance, which is always higher than the statement balance because it reflects purchases made after the statement close, in FULL every month. Today my current balance was {$390.00}. I paid it in full but thought it was a bit high so I decided to go through all my purchases since my last payment on XX/XX/XXXX which XXXX  out my account. I added up all the charges and the total came to {$310.00}, a difference of {$85.00}. I called customer service. The first agent I spoke to called herself XXXX. XXXX put me on hold for 25 minutes and then disconnected the call. I called back and got a man called XXXX. XXXX attempted say that the charges on my current bill included purchases from early XXXX. I totaled up the purchases for XXXX he was referring to, the sum of which amounted to the total payment I made in XXXX which XXXX  out my account. XXXX also hung up on me because he couldnt explain the extra amount on my bill. I called back a third time and got XXXX, who sounded suspiciously like XXXX and even had the same background noise of roosters crowing. XXXX tried to convince me that part of my current statement is attributed to purchases made in XXXX. Again, I pay the bill in full every month. The only charges on my bill made after my last full payment on XX/XX/XXXX totaled to {$310.00}. Synchrony/Amazon has charged me an additional {$85.00} which they can not account for and their customer service speaks volumes as to the level of thievery they have achieved, undoubtedly with other customers as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
On XXXX a XXXX XXXX XXXX account in my name that was paid through Diversified Adjustment Service INC. Account was settled with documentation from XXXX XXXX VP of Operations and stated that the account would be dropped from all National Credit Bureaus. 

Account was then sent to XXXX XXXX. XXXX XXXX XXXX, Fl XXXX where I furthered paid dating on XXXX an agreed upon resolution of {$350.00}. Then in XX/XX/ hd seen XXXX show up on my credit reports. I resolved it another time through them. Not recalling the previous payments through Diversified and skeptical of weather I had paid it through XXXX previous. I set up another payment arrangement of {$220.00}, I paid the amount in two payments. Last payment being on XX/XX/. I have not received validation from XXXX other than seeing the payments drafted from my personal checking account. 

XXXX Called XXXX several times starting at XXXX XXXX aprox EST. Spoke to representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each representative gave me an email address to send the documentation of the account being paid previous to XXXX and through XXXX along with the amounts paid to XXXX to close and handle the account. An account that was previously paid for. All email addresses came back as invalid addresses through my gmail account. Documentation was noted and pictures of the returned emails have been logged. I was lastly told via XXXX XXXX that there would be no refund issued as I explained that this account was paid in full through Diversified XXXX XXXX XXXX. I was then dispatched to another tier management, where a message was left. Messges have been left previously with no return consultation. 
The referenced account through XXXX is XXXX Diversified Adjustment Services INc XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Sunday XX/XX/2021 at approximately XXXX XXXX, I contacted a software vendor to purchase their product. They indicated that they do business through Paypal and they have a six months same as cash offer. They sent me to the Paypal. I signed up for a Paypal account which was approved with a {$4300.00} credit limit. The software cost was {$2900.00}. I attempted to purchase the product, but the transaction was denied. I attempted to contact Paypal, but it was too late their customer service center was closed. 

On Monday XX/XX/2021, I contacted Paypal and confirmed credit limit and inquired why the transaction was denied. The young women said that they have no way of knowing why - just that the Paypal software identified some type of risk. So I contacted the software vendor and they indicated that they are in good standing and have been doing business with them for many many years. I called Paypal again and spoke to another young women and then with a supervisor and they both stated the same thing - that they don't ever know why and that there is no way to challenge or dispute the risk assessment. 
They both thought that maybe it had to do with a new account and a fairly large initial transaction amount. So I attempted to purchase {$120.00} of cat food from XXXX to test their theory, and again the transaction was denied. 
So I called again and bascially received the same pat answer - they don't know why - the software says no - and that is that. Maybe if I wait for an undetermined amount of time, I might be able to use the Paypal credit, but again no way to know for certian. 
So it appears to be misleading advertising at a minimum and a violation of the fair lending laws from my point of view. If they had just denied the credit offer to begin with and sent me a fair lending disclosure I would have had no complaint - but they didn't and the fact that there is no recourse is very frustrating.

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 2021-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
On my personal property located at XXXX XXXX XXXX, XXXX, ME XXXX There the original mortgage, HELOC and HUD lien. My exboyfriend split up and he wanted to keep the house and in order to keep he has to refinance the original mortgage ( in my name and boyfriends name ) the HELOC ( my name and my exhusbands name ) and the HUD lien ( mine and exboyfriends name ). He said he would apply for a loan through Quicken Loans and roll everything in once loan in his name so that everything was fully in his name. Quicken loans said he was all set and the refinance was in process. Quicken loans called me to request a payoff for the HELOC because it was in my name and my exhusbands name so the exboyfriend did not have access. I signed their request. They also sent me a deed to sign off of so that the house could be in exboyfriends name. I signed the deed and had it notarized just like they asked me to. Next thing I know it is time for the closing. I was asked to go to the closing to sign the deed again which I thought was weird because I had already signed off. I asked the exboyfriend if everything was all set and he said Quicken Loans said it all was good. I went to the closing and was not allowed to see the closing disclosure because I was not on the loan. I signed off on the deed again. A few days later I received an email saying that my first mortgage was paid in full and so was the HUD lien. Waited and waited for the email from the HELOC that never came. I made him call Quicken Loans and the title company because no one would answer any of my questions. my exboyfriend called me and said they never added it in his loan. I asked him to request the title commitment letter. All 3 loans were on it so not really sure how it was missed. Now they are saying it was never to be part of the loan. How on earth do you do a refinance/loan to get everything in your name and leave out a loan and recieve cash out. I have gotten no where with these people and neither has the exboyfriend. Quicken loans messed this whole thing up and not taking responsibility for it. Now I have a loan out there on a property I no longer own. I would of never signed off on the deed had I been made aware that all 3 loans were not going to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 First Technology Federal Credit Union XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Pre-Approved XXXX XXXX XXXX Mastercard Application To Whom it May Concern : On XX/XX/2021, I applied online for the XXXX XXXX Mastercard at First Technology Federal Credit Union ( First Tech ) in response to a pre-approval offer. My application was subsequently declined. 
On XX/XX/2021, I contacted First Tech via phone and was told by XXXX that my employment as a XXXX XXXX was considered temporary. I informed First Tech via email that my position was not temporary and submitted evidence thereof. Later that day, I received a voicemail from an unknown person at First Tech stating that they are not able to assist [ me with the application ] due to temporary employment. 
As previously stated, my employment is not temporary. I have been continuously employed for over 3 years. Therefore, the allegation of temporary employment is not a lawful basis upon which to deny my application for credit, which is governed by FCRA. 
In light of the foregoing, I respectfully demand First Tech approve my application on the terms offered. Otherwise, this matter will proceed to trial. 
Sincerely, 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 2021-04-12 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: TX

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 weeks 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 ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I had two ( 2 ) fraudulent charges on my Citi Credit Card at XXXX 's XXXX online in the amount of {$890.00} & {$4400.00} on XX/XX/21 & XX/XX/21. I filed the claim and I was bounced around to multiple different departments with the claims closed several times stating my I was responsible even though Citi stated I was NOT responsible. There were numerous credits and debits and partial reversals on my account that has created a reconciliation nightmare and Citi has still overcharged me {$450.00}, which they partially reversed off my account. Now an audit needs to take place to ensure that they overcharged me and will take another five ( 5 ) days to reconcile. I have stressed numerous times that this is incorrect with Citi just opening another dispute case and closing it deeming me responsible. I am unable to get a resolution same day and another case has to be opened to investigate.

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 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

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