vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have been trying to contact Conn 's Credit Corp. to dispute the validity of an account. On XX/XX/2021, I submitted my initial letter to the address listed on my credit report to validate the debt of {$4400.00} and the letter was returned. On XX/XX/2021, I submitted another letter to an address that I was able to locate online and it was also returned to me to validate this debt. I have not been able to successfully reach them at the contact information that is provided on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
This was a debt that happened 6 years ago. I was involved in a motor vehicle accident. I sent a check in to the hospital and they claimed that I paid the wrong bill. I sent a letter to the credit Bureau disputing it but got no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I need a repair affidavit form from CMC Funding. Their website to supposed to make it available to me but it isn't. I contacted SLS, who services the loan but they would not help because I was not willing to give them the last 4 of my social security number. I WILL NEVER GIVE THEM THE LAST 4 OF MY SOCIAL OVER A PHONE!!!!!!!!!!!!!!! so don't take that as their response. The repair affidavit form is a BLANK FORM!!!! They will not make it available to me or mail it to me!!!!!!!!!!!!!! Please help me get them to send me the required form so I can fill it out and send it back so the funds to repair my house will be released!!!

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 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
On XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I received phones calls about an attempt to collect an alleged debt. I have asked them to stop calling.

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 2021-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :

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 2021-04-23 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 
Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$990.00}. They have reported used XXXX XXXX and XXXX to damage my credit. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt. 


I request that your services remove these infrastructions from my SSN. 
I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX XXXX and XXXX I also request that my information be moved from this company 's data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I'm a XXXX XXXX XXXX and I've paid a collection that's on my credit from Caine Weiner XXXX XX/XX/2021 ) .I talked to them and asked how long will it take for the collection to be removed off my credit, they told me usually it takes 30days. Well I have a MyFICO app that's on my phone and I received a notification XXXX XX/XX/2021 XXXX that its been paid in full {$0.00}. But I still saw that I had a collection on my credit from Caine Weiner. So I called them and explained what's going on and there response was " well sir you'll have to call the credit bureau to fix that, well have no control over that at all. '' So as of today ( XX/XX/2021 ) I still have that collection from Caine Weiner on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX TD Auto finance ran my credit with out my authorization and it hit my credit score hard. I have reached out to TD Auto finance by mail about this issue twice and there was no responses from TD Auto Finance I mailed out dispute letters on XX/XX/XXXX and XX/XX/XXXX. The phone number that is reported on the credit report for this company is disconnected. I had to XXXX the company number and reach out to them and left several voicemail and no one contacted me back about this matter. I have giving them plenty of time to get this issue resolved. And I just want to have this inquiry taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
Transferwise closed my account in XX/XX/XXXX without giving a reason and has not returned my money. I appealed their decision and the appeal was denied. There is approximately XXXX and approximately XXXX in the account and they said that this would be returned within 60 days. It has not. 

I contacted them in XXXX, XXXX, well after the 60 day period had elapsed, and was told that the return of the funds had been delayed 'indefintiely '. 

As of XX/XX/XXXX I still have not received the money. 

I have attached a previous account statement to provide you with details necessary to identify me and the account. Please note the currency amounts listed are not current. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had a Care Credit Card with Sychrony Bank. The company said they sent a letter on XX/XX/2021 after the XXXX XXXX XXXX set them my credit report to them. They said a number of reasons they closed my account. They say they sent me a letter o XX/XX/2021. That isnt enough time to do anything. I have not received a letter from them at all. Its fraudulent to get consumers credit reports and just closed accounts. A closed account on your credit report can greatly affect your credit.

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Hello I received a debt collection letter from Jefferson Capital on XX/XX/21 stating I owe {$630.00} for a XXXX XXXX bill. I stated to the representative that I have not had XXXX as my provider. She stated that they have this on record as a debt and they are reporting it on my credit report. I asked her to provide me proof of the debt and advised her to remove it from my credit report. She wasnt willing to provide me proof of the debt belonging to me and demanded payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Winklevoss Exchange LLC
State: TX

Complaint narrative:
I have an cryptocurrency account with XXXX on the XX/XX/2021 my account got frozen for no reason mentioned to me with {$44000.00} USD stuck in, I reached out to Gemini support to resolve the issue, my support ticket number # XXXX it took them two weeks to get in touch with me. On XXXX XXXX I got this response below from one of XXXX support : Hi, Thank you for reaching out. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with XXXX. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ Shuttle ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini Dropzone : After doing what I was asked to do, it's been more than 6 weeks and I'm yet to get a response from Gemini and its support team. My account is frozen and my cash stuck in without any access to it. I want my account back. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identitytheft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: MD

Complaint narrative:
I am writing to delete the 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CHARGES TO MY ACCOUNT HAVE OVER 30 90 MINUTE CAPTIONING TRANSCRIPTS OF TELEPHONIC COMMUNICATIONS WITH BANK OF AMERICA I ( HEREIN AFTER AS " BOA '' IN REPORTING FALSE NARRATIVE INVOLVING XXXX ( XXXX ) ENTITIES # XXXX ENTITY : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX AUTO REPAIR ) DUE TO THE FAILURE OF " BOA '' THIS REPAIR SHOP CRIMINALLY SCAM ME OUT OF THOUSANDS IN " CLAIMED '' AUTO REPAIR -MUCH OF THAT WAS NEVER DONE BOTTOM LINE " BOA '' DID NOT WITH THERE XXXX CASE NUMBER ( FILES ) XXXX XXXX XXXX AFTER XXXX YEARS OF LITIGATION HAS AN XXXX JUDGMENT AGAINST SAID ENTITY. 
ALL CHARGES TO THE ACCOUNT SHOULD BE DELETED TO INCLUDE INTEREST. 

ENTITY TWO : XXXX XXXX ( CAR ) CAR WAS IN AN ACCIDENT WHILE WAITING FOR THEIR LOT TO OPEN -LESS THEN A BLOCK FROM THEIR LOCATION AND COULD HAVE BEEN IMMEDIATELY CLAIMED BUT DOLLAR THOUGH ADVISED DAILY TOOK 3 DAYS TO RECOVER CAR. DOLLAR HAD IMMEDIATE ACCESS LITIGATION WAS FILED & THEY FILED BANRUPTCY THAT DERAILED TRIAL. 
" BOA ' ALLOWED DOLLAR TO CHARGE {$350.00} TO CREDIT CARD FOR 1 DAY RENTAL. THERE IS NO ENTITLEMENT FOR 3 DAYS

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 2021-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
The company I am complaining about is Binance.us. I have been using their services for about a year. I have never before had an issue with them regarding buying and selling crypto until recently. I have kept money this exchange the entire time I've had an account with them. I have not deposited/withdrawn excessive amounts of money and only have about {$6600.00} dollars in my account. Last night, when the market was extremely volatile, I sold off my position with the intention of buying lower. But when I tried to buy back in Binance.us told me that I have to verify my identity. So I went through the process. I gave them pictures of my license front and back, and took a selfie for them. But when I tried to buy back in after verifying, my account was frozen due to pending verification. 
I understand the importance of KYC but I have been completely transparent with them this whole time. My problem is that customer support is completely non existent. Last time I put in a support ticket it took 2 months to get a response. So basically, my money is stuck in limbo, I lost my position and have currently already lost over {$1000.00}. The timing of this is very suspicious, and feels intentional. I've been trading for a year without problem and all of a sudden when the market is taking a 40 % dip XXXX cant buy back in? I cant wait weeks on end for support to get back to me or for them to verify my account. Every other exchange verifies immediately. I don't think its right that they can hold my money hostage, and spring this sort of thing on me during the most inconvenient time of the market cycle. This is ruining any chance of a financial freedom that I was hoping to gain and as a consumer I should be protected form this sort of behavior. I should at the very least be able to talk to someone in a timely manner. And the internet is filled with complaints about this exchanges business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My Complaint is with The credit bureau and XXXX XXXX. Before XXXX repossessed my car. After they repossess my SUV they told me that they would take it of my credit report. Instead theyre reporting it every month as a close account causing me to lose anyway between XXXX points to XXXX points.. I call Equifax. Equifax did nothing to solve the problem. I have a daughter in college and I cant do nothing for her because XXXX XXXX is reporting on my credit report causing my scores to drop tremendously on all three credit accounts. Please help me with this injustice. Please help me so I can live my live again. Please Please.

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 2021-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report. 
FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency.

Letter is attached with a image of account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I received two bills from XXXX billing and collection. Date on letter was XX/XX/XXXX. I received the notice XX/XX/XXXX. Responded to both notices I received. Document for medical imaging was paid through a financial assistance program through the hospital XXXX. in Idaho falls. For XXXX XXXX XXXX. I was under payment arrangement with hospital. Hospital failed to contact me sent bill to collections. Asked collection agency to validate both debts. Never received any confirmation. I went into company approximately XX/XX/XXXX I asked them to send me a letter validating the debt. I was told they don't send letters out and if I wanted written communication I would have to leave a self addressed stamped envelope. Said they would communicate via email. Gave them my email. They have not communicated with me at all. I don't see how this is fare practice. I would also like to fine a complaint about mountain view hospital. I pay my bills. I tried contacting them to continue our payment arrangement. I left messages. They failed to contact me and sent my bill to XXXX billing and shipping. Who are rude and don't even validate

Company response to consumer: Closed with explanation