vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
SIRS CONSUMER FINANCIAL PROTECTION OFFICE Collection company scam : XXXX XXXX XXXX GC SERVICES I am addressing you with all due respect in order to report a fact by which I have been surprised by the GC Services Limited Partnership My person bought a XXXX car to work, which had been paying on time. Unfortunately due to the pandemic, and the death of my husband, I could not continue paying the debt ; which is why I delivered the car to the same XXXX XXXX. They later sold the car they had been buying, leaving a difference of {$12000.00}. 

XXXX sent the debt to the company GC Services Limited Partnership, who sent me offers to help finish my payments, the first offer being {$8500.00}, ( XX/XX/XXXX ) then another offer lowering the price to {$6700.00}, ( XX/XX/XXXX ) reaching a final verbal agreement of {$5100.00} ( XX/XX/XXXX ) as long as he pays the amount of {$2000.00} dollars as a down payment, nine payments of {$280.00} and a last payment of {$270.00}. An agreement signed by the company GC Services Limited Partnership is attached. 

Unfortunately, while I was complying with sending the {$2000.00} down payment and the monthly payments of {$280.00}, I realized that in their letters they placed in their sums that I still owed the amount of {$10000.00}, without respecting the agreement of lower with my initial and monthly payments, the amount of {$5100.00}. 

Wanting to talk many times with the Managers, they always told me they were busy, at the same time I told them to correct the amounts of the sums. Not receiving responses, I faxed the two Managers who sent me these letters without receiving a response to date, which is why I called my bank to stop making the following payments, and I was going to report the fact to the FTC because were not fulfilling the agreement. ( Attached Letters Currently they have sent another company called XXXX XXXX XXXX, so that now they are the ones who continue to charge me the amount of {$10000.00}, forgetting my payments that to date are only {$2200.00}, under the pretext that I stopped the payment. 

This companies have been totally surprised to me gentlemen of the FTC, which is why, I request that you help me to report this fact because I NEVER STOP RESPECTING THE AGREEMENT WAS GC. They were Services Limited Partnership, which defaulted ; in addition to sharing personal and private information as well as my credit card. 
These companies are a FRAUD, because they only took my money and now they do not respect the agreed balance. I Attached letters of the agreement of XXXX ; signed by them ; of which I have been paying {$2800.00}, leaving a final balance of {$2200.00} that I have wanted to pay, but these companies do not want to respect or lower the amount that I have been paying for the debt. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Aldridge Pite, LLP
State: GA

Complaint narrative:
I AM REQUESTING ALLL DOCUMENTATION FROM Aldridge Pite LLP FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: SC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as the inquires however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I offered American Express an final settlement offer for my account ending in XXXX. The representatives are very rude and continue to harass me with unfavorable resolution terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

HELVEY & ASSOCIATES INC are violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 
HELVEY & ASSOCIATES INC have used abusive, deceptive, and unfair debt collection practices.

HELVEY & ASSOCIATES INC have violated my consumer right to privacy, I NEVER gave them any my information directly and HELVEY & ASSOCIATES INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the HELVEY & ASSOCIATES INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 a fraudulent account was taken in my name to obtain a credit card. I sent letters to the collection agency along with XXXX disputing the inaccurate information and requesting original documts supporting this debt. The account XXXX is the account in question with Bank of America. I filed the police report and completed a notorized affidavit disputing the inaccurate information. I've sent both bank of America as well as XXXX a certified letter requesting information regarding this fraudulent account and requesting for documents supporting this debt and neither agency has responded.

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 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc.
State: TN

Complaint narrative:
I had a cryptocurrency account with Binance.com ( located in XXXX ) since late XXXX and was was instructed to transfer my cryptos to other Exchanges by XXXX, XXXX XXXX because they were discontinuing service to their US accounts. I set up a Binance.us account and transfer XXXX XXXX cryptos into this account in XX/XX/XXXX. In XX/XX/XXXX I logged into this account and found my XXXX account had a XXXX balance but my deposit and withdrawal history proved that the balance should be XXXX XXXX tokens ( see attachments ). After several emails I informed Binance.us that I would request the Government Agency FinCEN to help me recover the XXXX cryptos. I got an immediate response requesting two weeks to restore my XXXX cryptos. After 10 days, I checked my account and found XXXX XXXX cryptos in my account. I also found that all of the deposit and withdrawal history had been removed from my account. This was very disturbing and I moved these XXXX cryptos to an off site wallet. On XX/XX/XXXX I requested their assistance to recover the remaining XXXX XXXX crypto, but as of this date I have not received a reply. The attached file contains all of the emails to document my request for your help. Your assistance in this matter is greatly appreciated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today 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 2021-10-04 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: FL

Complaint narrative:
I have sent via certified mail an Identity theft packet relating to some information on my consumer report that is reporting as a result of identity theft. After reviewing my consumer report I have noticed that information has been reported and shared without my consent and as a result of identity theft my private, personal and confidential nonpublic information has been been breached. I have attached the FTC Identity theft report, a police report, and my identifying documents. The company XXXX XXXX XXXX has shared adverse information onto my consumer report without my consent in an effort to damage my general reputation. I am making a record of these events should further litigation be required. Pursuant to 15 USC 1681c-2 ( a ) I have sent everything required in order for XXXX to block and remove this information within 4 days of receipt. I have clearly communicated this matter of identity theft both in the included documentation and in this CFPB complaint.

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 2021-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Hello my name is XXXX XXXX I had a loan with BSI Financial that was transferred from XXXX XXXX XXXX in XX/XX/2021. When I was transferred over there was a negative escrow of - {$35.00}. I paid off loan XX/XX/2021 from a payoff statement of {$2900.00}. My normal payment is the 5th of every month so I paid the XXXX payment of {$87.00} i sent {$100.00} as I have since I had the loan. Then on XX/XX/2021 i PAID the payoff of {$2900.00}. This gave me a escrow balance of {$110.00}. I called about the refund from escrow and was told on XX/XX/2021 that refunds are sent 15 days after payoff. I told her it was paid XXXX and today is XXXX so its been 15days. She informed me that the refund would go out next day. I did receive a check for {$62.00} which left {$47.00} in escrow yet to be refunded. I have emailed them twice with no response. Today I am told that the invest says I came over negative ia the {$47.00} will go to the negative escrow. the negative was brought to positive starting with my XXXX statement, I am due the {$47.00} because per enclosed statements i no longer have a negative. 


BSI Financial Services XXXX XXXX XXXX XXXX / XXXX  XXXX  XXXX XXXX XXXX XXXX, PA XXXX Toll Free XXXX Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Purchases made at best buy with Citibank Best Buy card on 2 or 3 occasions. Each purchase was no interest if pain in x # of months. My card had an amount I was to pay each month. I had no idea the amount wasn't divided so each purchase would be paid off during interest free period. Total surprise to find out I had to pay the interest because I hadn't paid it off. Had I known it would have been paid. Why would a company send a bill for what was due monthly and it be less than amount to avoid interest charge. This is a scam. They can say whatever but no one at best buy ever mentioned this. It was all about " no interest if paid by ''. Then I'm told certain amount was due and I made the mistake of thinking it was divided into equal payments to avoid interest. I have another credit card that shows one amount to pay for no interest and a different amount that will cause you to pay interest. Up front explanation. NOT CITI BANK FOR BEST BUY. I truly feel like I've had the wool pulled over my eyes.

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 2021-10-04 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: WA

Complaint narrative:
On XX/XX/2021 I checked my credit report and found a collection account reported from XXXX & XXXX XXXX for a pay day loan in {$250.00} placed under my information. This does not belong to me and I haven't had any pay day loans and therefore needs to be removed off my credit report. 
I've called them and they refuse to provide any information.

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 2021-10-04 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: FL

Complaint narrative:
I checked my credit report and i saw accounts which are not mine. I believe that someone used my personal information to apply for these. I have no agreements or contracts with these companies.

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 2021-10-04 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: FL

Complaint narrative:
I checked my credit report and i saw accounts which are not mine. I believe that someone used my personal information to apply for these. I have no agreements or contracts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened an account with Care Credit in 2020 for some dental work that I needed to have done on an emergency basis. Initially, I was denied an account but then was approved when my mother agreed to co-sign for me. I was approved for a credit limit of {$5400.00}. My mother is also on this account. Out of the blu, my credit limit was decreased down to {$3400.00} without warning. I was not able to complete my dental work because I was left with little to no credit available. This was done even with me making my payments on time. I knew that Care Credit/Synchrony bank was going to be checking credit history for account status periodically. However, they decreased my credit limit citing that I had no real estate accounts. I called Care Credit to make sure that upon reviewing my account if my mother 's information was also checked and I was advised that it was. My mother has owned her home for more than 20 years. We were also approved with me not having any real estate history. How can I be decreased in available credit for the very same reasons and credit I was approved for with my mother co-signing. Because they decreased my limit I was unable to complete my dental work and my credit score dropped 20 plus points. I tried to get the credit limit I was initially approved for back and I was advised that I would have to apply to get a limit increase which meant checking my credit and my mother 's credit all over again just to get the credit we were approved for back. Which in turn would decrease our credit again because of the inquiry it would leave. I think that is deceptive to decrease the limit of an account that is in good standing. Also, to decrease the limit on an account for the very same credit condition that it was approved for is not appropriate. I did not own any real estate when my account was approved with a co-signer. My mother does have a real estate history. It has not mysteriously disappeared from her credit. Since this has happened my account has been maxed out multiple times. Because my account is over the limit, my credit score continues to decrease even though I have been on time with my payments. I am also charged excessive fees because my account is over the limit.

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 2021-10-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today 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 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I received on XX/XX/2021 and XX/XX/2021 from Convergent Outsourcing Inc. stating that I owed an alleged debt of {$1800.00}. I verbally told them that i do don't owe any debt but they continued to send letter stating this accusation. The reported this alleged debt to the consumer credit agencies, which is negatively affecting my reputation by being on my consumer report and also with out my consent to do so. In theses letters Convergent Outsourcing Inc. was offering me a discount on this debt to persuade me to pay it, along with their symbol being displayed on mail that indicates that they are debt collector is the debt collection business.

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 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. PHH Mortgage has committed numerous violations pursuant to federal law against me ; below are some of the violations such as 15 USC 1605 : I am being charged an APR, home insurance, I was charged a down payment and had to pay taxes and fees all which should have been included in the finance charge. I was not advised of my right to rescind- 15 USC 1635. They have committed four counts of 18 USC 1028A. 15 USC 1692e they have presented false statements, forms and contracts in an attempt to collect an alleged debt. They have violated 12 USC 1831n ( a ) ( 2 ) ( A ). They have continuously violated 18 USC 1341 by sending statements every month stating that I owe for an alleged debt. PHH mortgage has attempted to make me believe that they loan me credit which they are not able to do and according to 12 USC 1431 they are in fact the borrower not me as they have not loaned me anything also the alleged debt is not my obligation according to 18 USC 8. 15 USC 1602g informs me that I am the original creditor not PHH Mortgage. The alleged debt has been furnished on my credit report which is a violation of 15 USC 1692b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit reports randomly drop active creditors off my reports causing my credit score to negatively change. 

XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus

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