vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-14 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and LVNV FUNDING/XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: ProCollect, Inc.
State: MO

Complaint narrative:
XX/XX/21 - Received notification from ProCollect regarding alleged debt. 
XX/XX/21 - Submitted formal written dispute advising alleged debt was incorrect and requested proof of damages to apartment and outstanding debt amount. 
XX/XX/21 - Received response from ProCollect that included a Waiver of Reservation and handwritten notes on a Account Statement with no proof of debt. 
XX/XX/21 - Responded to ProCollect with pictures and proof of payment as evidence that the alleged debt amount is incorrect and the damages are not accurate. 
XX/XX/21 - Without receiving a response to my formal dispute, ProCollect report the incorrect debt amount to the Credit Bureaus. 
I responded in writing and sent the responses certified to verify receipt, but still received a negative report to me credit report. I provided proof that three payments were not reflected in the alleged debt amount and pictures showing no damages to the unit.

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 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OR

Complaint narrative:
After funds were transferred via ach, i am not allowed access to them. Funds were deposited on XX/XX/2021 and i recieve only automated email response from support email. 
Phone number only directs to support forum which directs to email again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This organization called Paypal, had collected funds of XXXX sales in XXXX, had held it for 3 to 4 weeks, than sent email that fund was available. Tried to transfer funds to two differnt accounts, XXXX XXXX, and XXXX XXXX account, both times refused to transfer claimed that account was not proper for their website. Three months past, tried to send the funds, EXACT AMOUNT to my service provider lady, to empty the available balance. Paypal had a valid credit card deposited with them for expense issues of XXXX servive, which was used fraudulantly to purchese services instead of sending the available funds to my service lady. I am living in the XXXX border area of XXXX XXXX, when a problem comes Paypal CHANGES THE LANGUAGE TO XXXX, UNABLE TO UNDERSTAND, or claims unusual activity an blocks the site to access to finish the complaint issue, WHICH JUST WAS DONE AFTER FILING THE ISSUE AND DEMANDED TO CLOSE THIS ACCONT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Company has not paid my taxes in a year. I have called 6-7 times to request payment. Every time I speak to them they say that they will pay the taxes and have not. I am concerned that a lien will be put on my property.

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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to have a security freeze lifted from my account in order to enable me to purchase a home. I have called three times now ( each time being sent to various customer service agents after insisting that I needed an answer ) from XXXX. In each instance I am told they can not find my account and that the " system is updating '' and to call back later. In each instance I have called back I get that same message with no further information. My husband was able to access and unlock his freeze on the same day, and they communicated to me that is was a system-wide issue, which was clearly a lie. The customer service agents told me multiple times it is out of their control and that they don't see an answer for me ( basically that it is what it is, other than that they've sent Equifax IT a note and hopefully they can someday figure it out, but without any further guidance on when or how this will be fixed ). This is preventing me from proceeding with my life. I did not have issues with the other two reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. 

NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: T.S. Holdings
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and IQ DATA INTERNATIONAL/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXhat opened last XX/XX/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 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2021 This is a continuation from a complaint submitted on XX/XX/2021, number XXXX and the Chase response on XX/XX/2021. 

Let me start by saying this partial settlement leaves me confused as to why the final resolution to this problem, a XXXX  balance, was not granted. 

During my time using your Chase credit card I have over {$35000.00} in purchases with XXXX fees. The only fees attached to this card came while questioning ( disputing ) the charge of {$89.00}. While you now have canceled this charge you refuse to cancel the late fees associated with this {$89.00} during this investigative period. I believe this is wrong. It is my wish that you therefore again review this case and come to the conclusion a XXXX balance is appropriate. 

I would like to add the feedback comments provided on XX/XX/2021 to CFPB as part of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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:
I sent a personal information update request to the credit bureaus, to make sure that the personal information was reported accurately. In response to my written response per my rights, they responded in a email and not in a written response as I requested. I would like to make a formal complaint that they did not honor my request per the law, and refuse to update the information that is reporting on my credit profile. I received the email back from Experian on XXXX and have not received any updates.

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 2021-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I contacted chime to try to close my account numerous times they told me I had to do all this stuff to close my account and then still would not send me the money said they had to send it to the last known address. I told them I was in a homeless shelter bc I was illegally kicked out of my home and they still refused to help me in any way and would not give me any information about my own account. I have tried to contact a lot of different people and I just don't know what else to do I made a police report through the XXXX police department on XX/XX/XXXX. Please help XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: NJ

Complaint narrative:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

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 2021-03-14 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: NJ

Complaint narrative:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.

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 2021-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LoanCare, LLC
State: OR

Complaint narrative:
To date I have not received satisfaction from the complaint I filed about XXXX XXXX, LoanCare LLC, XXXX and XXXX. Although I have filed disputes with all prior to filing a complaint with the CFPB. I have also filed twice with the CFPB complaint about the situation. The problem is that my mortgage is not being reported by the credit bureaus. LoanCare assured me they were reporting to the credit bureaus monthly. XXXX XXXX assures me they are reporting what the credit bureaus report to them. The credit bureaus don't even list my current mortgage! XXXX had it on their report but the amount owed was incorrect and they had not updated the information in over a year. The only result I got from all my disputes and complaints was that XXXX completely dropped my mortgage debt from their report. Even though it was the incorrect information at least it was showing on their report. When they dropped my mortgage from their report my credit score dropped! I have since written letters to all concerned and mailed them return receipt requested registered mail. I asked that the mortgage lender send written notification to the credit bureaus and send me a copy. My next complaint will have a copy of my most recent mortgage statement and hopefully the copy of the letter provided by my lender advising the credit bureaus of my mortgage debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  placed a derogatory mark on all three credit bureau 's, XXXX, XXXX, XXXX also XXXX XXXX they continue to update my report, I have sent also disputes these charges of {$2500.00} multiple times, also went to file identity theft and was told it wasn't a police matter but a civil matter. According to the FCRA my rights are being violated as a consumer, I am requesting removal of this collection immediately due to inaccurate reporting I haven't recieved any contract or written Signature confirmation anyone can send a bill claiming it's mine, please terminate collection efforts and notify all three credit bureaus, XXXX, XXXX and XXXX.recently updated 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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Account owner Joint Account Original creditor XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Account status Paid Agency FAIR COLLECTIONS & OUTSOURCING Creditor Classification Rental/Leasing Status date XX/XX/XXXX Original amount owed {$2900.00} Balance date XX/XX/XXXX Date of last payment XX/XX/XXXX Date of first delinquency Balance owed {$0.00} Comments Consumer Disputes This Account Information Account Paid For Less Than Full Balance The account is showing up on XXXX, XXXX, and XXXX as Negative but " Paid '' the account should be removed from my credit reports

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 2021-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XX/XX/XXXX logged onto il state website to make payment plan and tried to use letter code to plugin to the system. Received message that it was not valid. 
Date of XXXX XXXX XXXX, XXXX Letter ID - XXXX Popup on screen indicated that the letter could not be more than 90 days old to be valid, allowing me an additional 13 days before expiry. 

The first thing I did was to fill out and send a payment plan with installment down payment of {$100.00} paid {$100.00}. ACH through my bank. 

XX/XX/XXXX at XXXX XXXX  central I made ACH payment request Confirmation number : XXXX  Email Address : XXXX Request Type : XXXX Payment XXXX XXXX XXXX XXXX Amount of Request : {$1100.00} Reporting Period XX/XX/XXXX Date of Debit XX/XX/XXXX My confirmation letter states : If you would like to withdraw payment before it is processed by the Demartment, you may do so using the confirmation and email address listed below. 
XXXX XXXX On Tuesday XX/XX/XXXX, XXXX XXXX I spoke with XXXX XXXX and he explained I could pay the bill in installments that week on the website. He advised me not to overpay and confirmed I could withdraw the ACH request during business hours up to Wednesday, XX/XX/XXXX by calling them as the above mentioned letter stated. He said yes. it could be withdrawn the day before on XXXX XXXX. Informed me that the total amt. Owed is {$1300.00} with updated penalties. 

Single comprehensive list of payments made to state of Illinois XX/XX/XXXX EDI payment ACH Debit {$100.00} XXXX mentioned previously XXXX-withdraw date scheduled for XX/XX/XXXX {$1100.00} ( mentioned previously ) Confirmation ftfxmk still could be allowably withdrawn XX/XX/XXXX {$600.00}. Value Payment systems Confirmation # XXXX XXXX am XXXX XXXX XXXX XXXX {$100.00}. Value Payment systems Confirmation # XXXX at XXXX XXXX XXXX XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
XX/XX/XXXX {$350.00}. Value Payment Systems Confirmation # XXXX at XXXX XXXX 
Total Payments = XXXX Total Owed = XXXX Overpayment=XXXX XX/XX/XXXX I contacted XXXX ( No last name provided ) at XXXX XXXX to withdraw the ACH request of ftfxmk, per the instructions on the letter. XXXX stated it could not be withdrawn because the state had already processed it ( though it was a day earlier than requested. ) I asked him how I would receive the balance of over payment and he told me the funds would be sent to me in a check. No check has arrived nor any information about the time I would receive one to date as of XX/XX/XXXX XX/XX/XXXX I received a letter from a collection agency Harris & Harris stating I owe them {$1300.00} Letter and postmark backdated XXXX XX/XX/XXXX. Harris & Harris is located approximately 9 miles in city center XXXX. In worst case scenario a letter would not take that long to arrive if properly dated.

Company response to consumer: Closed with explanation