vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against collection agencies, XXXX XXXX XXXX XXXX XXXX as well as, Crown Asset Management , LLC. 

Neither of these two collection agencies had contacted me first, to verify the debt that they have placed onto my credit files, slandering my credit. 

XXXX XXXX XXXX XXXX XXXX claims that they received a debt to collect on from Crown Asset Management , LLC, Crown Asset Management was supposed to have acquired this debt from XXXX XXXX XXXX XXXX XXXX. 

These collectors are placing false fraudulent status information onto my credit files, making it seem as though I had some debt that they are collecting on from the year XXXX, and that information is not true. 

As stated, neither of these collection agencies had previously contacted me to verify the debt that they are trying to charge me for. 

I dont owe what Im being charged, and I want this false derogatory information removed from my credit files, as well as from the collection agencies files. 
And I would like hard copy proof on their letterheads that, that has been done. 

On XX/XX/XXXX, I requested that both XXXX XXXX XXXX XXXX XXXX, as well as Crown Asset Management , LLC, cease and desist from ever contacting me again about these false charges. 

I have health issues, and have not been doing my best, and I feel that I am being tormented, and harassed, especially by XXXX XXXX XXXX XXXX XXXX, I have asked that they cease and desist from contacting me. 
I asked that they remove the false information from my credit files, and I wanted hard copy proof when that had been done. 

In the mail today, Tuesday, XX/XX/XXXX, I received the attached cover page, along with a pile of doctored up statements from XXXX XXXX XXXX XXXX XXXX, with them lying, and claiming that I had requested that they send me verification of the false debt, that they originally didnt notify me about, prior to slandering my credit files. 

I never asked that they send me any such verification, I disputed the debt, and again, I am requesting that both, Crown Asset Management, and XXXX XXXX XXXX XXXX XXXX remove the false information from my credit files, and I want them to stop writing, and calling me as well. 

As previously requested, I want them to cease and desist from ever contacting me again. 
Crown Asset Management LLC, and XXXX XXXX XXXX XXXX, any communication, written or otherwise, they can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me, no exceptions. 
I want the Consumer Financial Protection Bureau fully involved in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased 3 airline tickets from a foreign airline by the name of XXXX. 

Our flight was scheduled to depart in XX/XX/2020. We received short notice that our flights were canceled and a voucher was " issued '' and could be exchanged for another flight within 1 year before expiration. The airline announced that they would no longer fly from the USA making using that alleged voucher impossible since I must fly from the USA to any destination. For months their customer care stopped taking calls and there was no way to reach them. I attempted to call XXXX multiple times to learn how to redeem the alleged voucher that wasn't showing up on my account. After several attempts to reach them, I filed a dispute with Apple Card and they shortly decided to close the claim in favor of the airline. Stating that the merchant has told them they provided a credit voucher. I went to further explain there was no such voucher on my account and they weren't operating anymore. The Apple Card rep was no help and said unless I had " new '' evidence there was nothing that could be done. I was infuriated! I had just been robbed of almost {$500.00} and the company presumably helping me was siding with the merchant who is being dishonest. 

A few months passed and now the airline 's website ( XXXX ) is no longer in existence, their customer care 800 numbers are not in service! 

It has been publicized that the airline has not even paid its workers. I shared this with the 3 Apple Card representatives and all of them gave me the ridiculous response that it " wasn't new evidence ''. This airline has thousands of hundreds upon hundreds of complaints about their practices and the company that has promised to back me up has not done so. This is all so frustrating, we are in the middle of a pandemic, we have no jobs or steady income and now this? It makes me sick to my stomach, I am deeply disappointed with Apple Card because I've heavily promoted their products and services to everyone I know and converting most of them from their competitors to XXXX and now they have failed me. 

XXXX can not just agree with the merchant ( XXXX ) that they have provided a solution when their website, phone numbers, and the airline is not even operating. 

I've attached some screenshots of the ongoing issue and hope I can find someone who can help me. My next step is contacting the media to shine a light on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America had a mortgage lender that sent me a preapproval letter that approved me for a 30 year conventional loan for a {$300000.00} home. On XX/XX/XXXX, purchased a {$280000.00} home and I had to put down a deposit of {$2800.00} for earnest money, a {$100.00} nomination fee and I had to pay for a {$400.00} home inspection fee. I paid {$3300.00} and now on the last day of the underwriting process, Bank of America has denied to finance my 30 year conventional loan for the {$280000.00} house. The bank of america mortgage lender has denied to return my {$2800.00} earnest money, he denied to return my {$100.00} nomination fee and he denied to return my {$400.00} home inspection fee. Bank of America committed mortgage fraud because they gave me a pre-approval letter for {$300000.00} and they misled me and committed mortgage fraud and now I'm out {$3300.00}. Bank of America needs to return my {$3300.00} because their mortgage lenders committed mortgage 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 monetary relief
Consumer complaint received 2021-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2021, I was the victim of a malware attack that apparently got into my XXXX account, was able to change my email filters so I would not see certain emails about " bank, fraud, or recovery '' and likely got into my stored usernames/passwords and financial credentials stored in XXXX. Subsequently, my PayPal account and 2 other finanacial institutions were targeted for fraudulent transactions. 

On XX/XX/2021 two unauthorized transactions took place on my PayPal account that went into my PayPal credit account. # 1 was a {$1.00} " Donation via PayPal Giving Fund '' which I theorize was a " test run '' before # 2, a {$1400.00} transaction to " XXXX XXXX XXXX. '' Both of these transactions were made without my authorization or knowledge. I had to XXXX what this company was, and it was some video game design class or something that I have no dealings with. 

I did not notice these transactions until XX/XX/2021, where I immediately submitted an unauthorized activity case submission to PayPal. On XX/XX/2021, they denied my claim responding : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' The following day on XX/XX/2021, I wrote an appeal to their decision, explaining that 2 other financial institutions had agreed I was the victim of parallel fraud activities and argued that the transaction was not " consistent with my PayPal history '' as my PayPal credit account had set dormant for months, I have a PayPal credit card I have used for credit purposes, and I have never purchased any video game-related items with PayPal because I don't play video games. I also made available my willingness to provide any additional information or documentation. 

On XX/XX/2021, they again denied my appeal, citing " This decision was made because this transaction was not unauthorized. '' I am writing to the CFPB to complain that since I did not authorize these transactions, PayPal did not perform an adequate investigation into my fraud. I do not have in my possession whatever video game item was purchased for {$1400.00}. I am the victim of fraud. At no point did PayPal reach out to me to ask for any information coming from my end, yet somehow they concluded that I authorized these transactions. I respectfully request that my complaint be escalated that a more competent investigation be completed and that PayPal not ignore their platform being used for fraudulent activity.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX* Balance : {$570.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. 

XXXX HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR THOUSANDS OF DOLLARS. 

XXXX UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT. ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. 

I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. XXXX IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED. 

THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
Sequium Asset Solutions , LLC is reporting false and inaccurate information to my consumer reports and credit file. The account is reporting an alleged amount owed of {$100.00}. I do not have contractual obligation to Sequium Asset Solutions , LLC and have never had any initial communication with this company. I never gave Sequium Asset Solutions , LLC consent to obtain my personal information which constitutes identity theft and is a violation of my individual right to privacy pursuant to to 15 USC 1692. Pursuant to 15 USC 1681 ( a ) ( 2 ) this negative information being reported is harmful to my reputation. On XX/XX/2021, pursuant to 15 USC 1692g, I requested validation of debt from Sequium Asset Solutions , LLC and I am currently awaiting response from their offices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One : Debt is current but, doesnt reflect on report! I paid XX/XX/2021 {$100.00}, XXXX and XXXX XXXX {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: NV

Complaint narrative:
My identity has been compromised and seem to been a victim of the dark web, after careful review of my credit files I'm demanding that the following accounts be removed and blocked from my credit files immediately. 

1. XXXX XXXX XXXX {$57.00} 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Dept of ED/ XXXX {$22000.00} 5. Dept of ED/ XXXX {$18000.00} 6. Dept of ED/ XXXX {$15000.00} 7. Dept of ED/ XXXX {$10000.00} 8. Dept of ED/ XXXX {$10000.00} 9. Dept of ED/XXXX  {$8300.00} 10. Dept of ED/XXXX  {$7800.00} 11. Dept of ED/ XXXX {$7700.00} 12. Dept of EDXXXX XXXX {$7500.00} 13. Dept of ED/ XXXX {$5900.00} 14. Dept of ED/ XXXX {$5500.00} 15. Dept of ED/XXXX {$5500.00} 16. Dept of ED/ XXXX {$4500.00} 17. Dept of ED/ XXXX {$4300.00} 18. Dept of ED/ XXXX {$4100.00} 18. Dept of ED/ XXXX {$3700.00} 19. Dept of ED/ XXXX {$3700.00} 20. Dept of ED/ XXXX {$2900.00} 21. Dept of ED/ XXXX {$2600.00} 22. Dept of EDXXXX XXXX {$2200.00} 22. Dept of EDXXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: SC

Complaint narrative:
Healthcare Receivables Group has reported an alleged debt in the amount of {$780.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Healthcare Receivables Group obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692. The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Healthcare Receivables Group on XX/XX/2021 and I await a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td babks claims to say I owe them of XXXX but I havent had an account with them since I was a minor this is false and scams have been bought to my attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I do not even know who these people are or who they are working for. They have been calling via robocalls for a year or more every day and some times more than once. What little I know is that they say they are debt collectors trying to collect a mortgage debt. We haven't had a mortgage for more than ten years and it has been paid off for more than ten years. I asked them to stop calling but all they want is more information about us. I believe they are some kind of scam artists. 

They say to contact them at SLS.NET on the internet or call a telephone number. What they are after as far as I can tell is more information from me. 

Their phone number is XXXX XXXX XXXX XXXX XXXX They haven't sent us anything or told us anything about what they imagine we owe or who we owe it to. They just have been harassing us VIA robocall every day and sometimes more than once for more than a year.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance {$0.00} - Your records are currently reflecting a past due balance, this account has been closed and charged off and should not be showing any balance. Delete account for violation. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.

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 2021-01-20 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: AES/PHEAA
State: WI

Complaint narrative:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MT

Complaint narrative:
I have been dealing with USCB Corporation regarding XXXX XXXX XXXX. They have claimed I took classes when that was impossible as I was in a XXXX XXXX  at the time, and I did not have, and still do not have the mental capacity to do college level work. I told them in writing, on the phone for both schools they represented, XXXX XXXX and XXXX XXXX XXXX, but they do not want to hear it, they want to collect fraudulent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I did not talk to any one to close My savings account. My savings account is closed and I did not let authorize any one to close or say yes to close My savings account.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The accounts are in litigation, the balance is incorrect. I needed them closed and not only closed but removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: OH

Complaint narrative:
GreenSky was used to purchase my windows through XXXX XXXX in XXXX of XXXX. My minimum payment was XXXX a month. I made sure to pay XXXX a month on an auto pay. I recently received a late notice and a late fee attached to my account, XX/XX/XXXX. My minimum payment went from XXXX to XXXX and there is nothing I can see that changed with my account. I first noticed when XXXX XXXX said I had a new account and it was GreenSky. I was paying over the minimum and making my payments early. I contacted their customer service and they left me on hold. I sent them an email and I received an automated response about interest rates and payments. Is it legal to just add fees to accounts? I now owe over what I originally borrowed.

Company response to consumer: Closed with explanation