vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed with XXXX  and Equifax on several occasions about a creditor I have no affiliation with. XXXX XXXX XXXX XXXX  has no legal authority or affiliation with me. I have tried on a number of attempts for them to remove the reporting. They are knowingly hurting my credit standing. They knowingly will not even report any information. I have submitted cancelled checks proving payments. I have provided my court ordered child support documents from the state of Georgia. The Georgia court orders me to directly pay XXXX, my ex spouse directly. I have complied for over 10 years. 

I respectfully request these credit agencies remove this creditor immediately. It is very sad a Government department can abuse their power and authority and knowingly cause harm to an individual from another state that has absolutely no obligation to work with them. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation
State: PA

Complaint narrative:
I because a client of XXXX  XXXX, in XX/XX/2020 when I had a sewer problem in my home. XXXX  got me finance with XXXX XXXX. On XX/XX/XXXX, my account was transferred to Concord Servicing. Today I called Concord to get information on how to create an account so I could pay my bill, since I had not received any kind of communication from them. My payment is due on the XXXX of each month and I did not want late charges on my credit report. 

I was given a new account number and Web info to log in. ONCE I GOT IN TO PAY MY BILL I NOTICE THAT THERE IS A {$5.00} FEE FOR USING YOUR CHECKING ACCOUNT. THIS IS THE ONLY WAY THAT YOU CAN PAY YOUR BILL. NO CREDIT OR DEBIT PAYMENTS. I never paid a fee with XXXX, so why is Concord charging this extra fee and why can't I pay with my credit or debit card ... This is a rip off and I have excellent 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 2021-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is NO WAY XXXX XXXX, Equifax or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held XXXX by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/

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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is NO WAY XXXX XXXX, XXXX  or Experian can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between XXXX and XXXX, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/

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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX Specialized Loan Servicing loan # XXXX I pay the Homeowners Insurance ( XXXX XXXX  ) myself. I have supplied proof of policy and payment. The mortgage servicer refuses to refund amount impounded to escrow for insurance. 

All the Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
On XX/XX/21 I received a phone call from someone at KLS Financial Services ( XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX ) the voice mail said it was an urgent matter and that I needed to call them back. There was no mention of them being a debt collection service, I had to learn this by looking up the name online. I ignored this phone call because it was predatory and I knew they would need to send me a written notice of the debt and my right to dispute it. On XX/XX/21 I began getting credit notifications that there had been a change to my report, when I looked up the changed I noticed KLS had added a negative remark to credit account. I have received no written noticed from KLS and have only received the XXXX phone call on XX/XX/21. I do not even know what this debt is regards to and the amount.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

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: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Called twice today XX/XX/21. And the first time I received the same Rep as I get at XXXX XXXX, none to say she was no help and neither was the next one. Neither one could explain the drastic uptick in the amount they are charging me in my minimum payment and why it's stated as interest. 
And also I would like to know why I could not use my card this month when I had available credit. And NO XXXX either. 
Thank you.

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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Applied for credit online with Synchrony XX/XX/XXXX. 
Was preapproved and given a code to complete the process for full approval. 
At that time the company received all my personal info including Social Security #. 
Followed up with the code provided using the online app provided. 
During the final approval process, A photo of myself using the camera was taken, as well as photos of the front and back of my valid PA drivers license, I followed up after completing the data submission and was told my credit was denied. 
My credit score is XXXX. 
Received this vanilla email with no real explanation. 
Multiple calls and no one can explain. 

Very personally invasive process to send this response. 
somethings off. 

Correspondence Dates are in the file.

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 is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Collection debt is not mine

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: AZ

Complaint narrative:
The processor PayPal has infringed in a violation of my user rights. PayPal has closed my account to steal the money I received from the company where I worked. 
According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. 

I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. 
PayPal placed two limitations on the account, look at the evidence in the attached photos. 

The reason for the limitation was due to the withdrawals I made to my bank account. 
PayPal blocked withdrawal attempts to my bank account. 

After these attempts I block the account saying that I can not withdraw my money. 
PAYPAL STEALS MONEY BY PLACING LIMITATIONS ON THE ACCOUNT. 

PayPal asked me for my identity documents with photo, proof of address and other documents, however they closed the account permanently and did not let me withdraw the money I have. 

PayPal is closing account with an intelligent system or robot so that users can not withdraw their money. 

My account associated with PayPal is XXXX. 

I enclose all the evidence of how this company does everything possible to steal the money. 

My account never had associate with any fraud. 
they close without reason avoid that can you my money. 
I also have videos and recorded conversations. 
PayPal violated my user rights and my money was stolen.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On this date from XX/XX/2021 a company by the name of Credence resource Management keep harassing me with phone calls every day early morning, debt amount of {$380.00}, the old company who bought the debt was XXXX XXXX XXXX  which deleted the debt of my credit report cause they had no supporting documentation, here it is this other company is trying to do the same thing to get money out of me CREDENCE RESOURCE MANAGEMENT which I think is unfair,

Company response to consumer: Closed with non-monetary relief
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: Kriya Capital, LLC
State: GA

Complaint narrative:
Debt is not mine

Company response to consumer: Closed with non-monetary relief
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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX  using my Barclay 's Bank Master Card Account. 
In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production. 
I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant. 
I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020. 
Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest. 
I have faxed documentation to disputes on too many occasions to list. 
Emailed and called representatives. 
Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence. 
See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays. 
Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Debt is not mine

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 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: GA

Complaint narrative:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Ive never received any communication about this alleged debt. It just popped up on my credit report out of no where this year. On XX/XX/2021 I sent a validation of debt letter to their address. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. It has now been as of today XX/XX/2021 it has been 49 days and I have yet to receive validation of this alleged debt, yet they recently reported once again on XX/XX/2021 this debt to the credit bureaus.

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 is not yours
Company: BTH Management
State: GA

Complaint narrative:
Debt is not mine

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: MO

Complaint narrative:
First, I have paid all debts and keep up with my credit scores and reports. Random person called asking for my birthday. I thought it was strange I needed to give them my birth date so they can settle a debt in my name. I told them I have perfect scores and owe no one. I asked them to send me documentation of the debt as that would be the only way I will settle this debt and would not be releasing my personal information. They argued with me and hung up on me without stating their next steps. I'm afraid someone has retrieved by personal information and is trying to scam me out of money. 

The company is Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
Debt is not mine

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: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Debt not mine

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 card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P.
State: PA

Complaint narrative:
Constant and repeated calls from multiple different numbers. Looking for someone I don't know and never heard of. Calls have continued for months averages several per week. Lots of different tactics, all annoying and disruptive to my work schedule. First they would play a robo-recorded name of the person they wanted ... VERY LOUD over and over, then hang up. Later they would just let the call run without saying anything filling my voice mailbox.

Company response to consumer: Closed with explanation