vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: MD

Complaint narrative:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

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 2021-02-08 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: MD

Complaint narrative:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: MD

Complaint narrative:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX group or XXXX XXXX & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
I experienced bank fraud on my debit card with TD Bank. Starting XX/XX/XXXX my card information was compromised and a string of purchases were made up until XX/XX/XXXX. A total of {$2300.00} was taken from my account. I was notified by TD Bank that there was suspicious activity on my account. I went through and marked which purchases were not made by me and submitted a claim. 

I received a letter today saying that they determined that fraud did not occur. They denied my claim, saying that the card was in my possession. 

It is clear if you look into the purchases that they could not have been made by me. The money was spent in California on XXXX, helicopter rides, XXXX, and grocery deliveries. Some were at restaurants and stores that aren't in Vermont at all. For example : XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have been in Vermont this entire time so clearly there has been fraud. 

I am waiting to hear back from the bank after my second claim has been filed. I have filed a police report and will continue to pursue this issue until it is resolved and I have received all my money back from TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All of these companies was not done from me. Please remove I have been hospitalized due to Covid. 
1.XXXX XXXX Capitol one 3.XXXX 4.XXXX XXXX /XXXX 5.XXXX XXXX 6. XXXX aXXXX XXXX  7.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Services continues to send me notices that I owe a balance to XXXX XXXX XXXX. It is still on my credit report. 

I have settled this account as of XX/XX/2020. I have a settlement letter that I have sent to Portfolio Recovery. They refuse to recognize my settlement and continue to harass me about paying this debt. They refuse to remove it as a collection from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit report per XXXX. Im requested the verification of the inquiry and the method of verification. SYNCB/LOWE 'S XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
THIS IS NOT A DUPLICATE TO COMPLAINT # XXXX XXXX. THE PREVIOUS REPORT WAS OSED OUT BY TRANSUNION BEFORE THE INVESTIGATION WAS COMPLETED. TO : CONSUMER FINANCIAL PROTECTION BUREAU, PLEASE DO NOT ALLOW THIS COMPLAINT TO BE 'CLOSED OUT ' UNTILL ALL THE UNAUTHORIZED INQUIRIES HAVE BEEN PROPERLY VETTED, VERIFIED OR DELETED. HERE 'S WHAT SHOULD BE INVESTIGATEX BY TRANSUNION : ( Please forgive the cramped spacing ). 
1. ) XXXX XXXX inquiries 2. ) XXXX XXXX " 3. ) XXXX XXXX " 4. ) XXXX XXXX 5. ) XXXX 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 2 inquiries 10. ) XXXX XXXX 11. ) XXXX XXXX XXXX 2 inquiries. 
12. ) XXXX XXXX XXXX 2 inquiries. 

S/S # XXXX D.O.B. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Ph # ( XXXX ) XXXX E-mail : 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 2021-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
This has been ongoing for years. The company that is giving me problems is Overton, Russell, Doerr and Donovan, LLC. I had a few Charge off accounts from XXXX sent to ORDD. Over the past few years I payed off all accounts that they say I owed to them. They refuse to give me any form of paper or file stating that my accounts are paid in full and closed, they say it is not there responsibility. They will however confirm that the accounts have been paid in full and closed over the phone. XXXX is still saying, after 4 years that I owe them {$260.00}. I have no way of proving to XXXX that it has all been paid in full. XXXX has been continuously reporting to the credit bureaus that I owe them and it has been negatively impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANCORPORATION
State: GA

Complaint narrative:
I made an electronic payment, the company never received it, found that out 5 weeks after the payment was made. So, a stop payment was issued, I was charged {$35.00} for that process, Cadence Bank said the funds, {$1700.00}, are being put back in my account on XX/XX/2021. As of XX/XX/2021, the funds have not been returned. When I call the bank, they tell that they are working on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has terminated our credit card merchant services because of an error they made. The error involved Wells Fargo divulging information to an unknown party over the phone. Wells Fargo assumed the caller was from our company but failed to ask for a verbal password. This resulted in the unknown caller being able to hack into our accounts and apply fraudulent charges. These charges amounted to over XXXX XXXX XXXX dollars. As a result, Wells Fargo terminated our merchant services and we are unable to process credits cards which is a mainstay of our business. This began last XX/XX/2020 and Wells Fargo has yet to rectify and reactivate our credit card merchant services. We have been working with them since this began and they are being of no help what's so ever. The biggest problem is they have placed us on the TMF list and we can not obtain services from anyone. The active complaint number is XXXX. They are now stonewalling us and will not even return a phone call.

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 2021-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: OH

Complaint narrative:
Dear Agency On XX/XX/XXXX, I tried to get into my Binance account ( cryptocurrency platform that is FDIC insured, but I was unsuccessful. I tried to submit ( forgot password ), but I never received an email from Binance at XXXX. I thought that was strange because I have been with Binance since XXXX of XXXX and always get my emails. I had my husband look into the email and see why I wasn't getting any of them. My husband told me the email is frozen. We tried to reset the password, etc. we weren't able to. My son went on the live chat with XXXX, and the guy on the other end told my son, we have been hacked, and XXXX can't retrieve the email that we have had for 24 years. There was a breach with all the emails at XXXX. 

Basically, I am locked out of my Binance account because it requires the email and the password to get into the account, and since I no longer have access to my email at the XXXX, I am locked out. Now, I tried to contact Binance as soon as I found out that we have been hacked so they can fix this problem. I contacted Binance on XX/XX/XXXX at around XXXX XXXX Eastern time, maybe earlier ; I can't remember. I received a generic email around XXXX XXXX Eastern time on XX/XX/XXXX letting me that I am in the cue, and they will get to it when they can. My reference number to the email I sent Binance is # XXXX. I have sent them 2 other emails since the XXXX. Once on Saturday the XXXX reference number XXXX, and another one on Saturday attaching the latest email to the previous one I sent them. 

The reason for this complaint is if this were to happen in a regular brick and mortar banking institute, I would have gotten immediate attention to this fraudulent activity that is happening to my account. As of right now, I still don't know if the hackers were able to get into my Binance Account because A. No one from Binance has contacted me.

B. I can't call anyone either.

C. They don't have a fraudulent department that looks into this right away.

D. I have a large amount of money in my account. 

Silence from Binance is not acceptable. 
Waiting in a cue of first come first serve is not acceptable. 
Not being able to contact anyone is not acceptable. 

As an agency that protects consumers and this cryptocurrency space is fairly new, please consider placing guidelines for consumers like me who are now victims of fraud and I am waiting on pins and needles to find out what happened to my account. 

I am asking for your support in this matter. If this were your account, how would you handle this? What would you do? Where would you go? 

I am waiting anxiously for your response and assistance. Thank you XXXX XXXX My new email where you can contact me is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I paid off my car loan with Ally Auto on XX/XX/2020. On XX/XX/2020 I received an email stating that the title was released and I should see it in 7 days. I called in XXXX to ask where it was. I was then told that they did not have it that the DMV in CT had it. I then emailed the DMV and was told that they did not in fact have it, that the lean holder has the title. I then called Ally back and was first told that the DMV has it until I told them that I already talked to the DMV. Then they changed their story and said it was already mailed out. I then asked for the tracking information and was told that they miss placed it. They then went on to tell me I had to pay for a duplicate tile and when I refused to do so they ordered one for me. I then received an email on XX/XX/2020 stating it was just sent out to a 3rd party. So I gave it time to get here and it never showed up. I just called them back today and was told it must have been sent to the wrong address and that they would order another duplicate title. My car is now unregistered and I can not drive the car that I paid off in 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 2021-02-08 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: NY

Complaint narrative:
as of XXXX my experian? FICO credit score erroneously dropped more than 70 points. It appears the algorithms are geaed to looking at a high balance and immediately attacking you credit score without waiting to see if you XXXX out the balance like I have. These mistakes often take months to resolve beciase of the software bug in your algorithms.

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 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
They keep calling early morning and late at night ... using foul language telling me and wife that we are going to jail if we don't pay them ... but I don't owe them anything I keep asking for proof that I owe them they keep sending me old statements that's not theirs ... when I asked them about it they say they brought the account so now I owe them and they will put me in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: JPMORGAN CHASE & CO.
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 2021-02-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CITIBANK NA., BEST BUY Inquiry Date XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Sherman and Associates or the Sherman Financial Group keeps calling me, my family, and my place of work. They are stating that they are a law firm that is about to subpeona me to court. They also cussed me out for asking them what company they are with and for asking about the debt they claim I owe. They are calling my job everyday stating they are about to come arrest me or serve me with a subpeona.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
Fixed debt with creditor and was settled in full they removed the debt from one report but havent from others.

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 2021-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status

Company response to consumer: Closed with non-monetary relief