vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:04/09/2021 RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL 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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I tried to get my credit report from TransUnion. I thought this was a free report. I went through with signing up and I did not see where it said that there is a XXXX XXXX  monthly fee. I was charged the monthly fee plus tax. I think their website is misleading and the payment information should be more prominently displayed.

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 2021-04-09 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: GA

Complaint narrative:
Basically PayPal has held my {$2200.00} dollars for over six months for u known reasons. I have reached out, I still cant withdrawn my funds although I was told I could no longer use PayPal anymore. That is perfectly fine, just release my funds & they can close the account, instead of delaying things. Right now they have no legitimate reason as to why they havent released my funds, just generic scripted messages. The email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: ID

Complaint narrative:
In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX  customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make bi weekly of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX  representative, on this agreement. I made bi weekly payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my experian credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. XXXX I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this one on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with Experian many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with 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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX an collection was placed on my credit report from credit collection service for an debt with esurance. The account was PAID In full with the original creditor XXXX prior to the collection being placed on my credit report. I immediately contacted XXXX let them know what happened. A supervisor told me they have records showing an email was sent to credit collection service to pull the account from collections notifying them the account was paid in full. I contacted XXXX XXXX XXXX spoke with a representative explain what happened she told me that once they get the information the account will be updated to paid in full with the collection bureaus. I explain that is false representation because you are now implying that an account that should of never been on my credit report was paid in full implying I paid you credit collection services in full which is not true the original creditor was paid in full and the account needed to be deleted. I requested to speak with a supervisor I spoke to an XXXX XXXX or XXXX I provided the time, date, card # she started they will contact Esurance verify the information and once verified as an courtesy the account will be DELETED. I BELIEVED her and we where on an recorded line so please review the recording. Now it's XX/XX/XXXX and I do understand it can take 30 to 45 days for the account to be deleted but the company has been FLAGGING the account as an collection with the credit bureaus every day. Which is causing me to lose points every day they flag the account they supposed to deleted

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: NY

Complaint narrative:
I have this scam of inquiry on my credit report XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX No way to contact its just a scam I want this removed ASAP

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 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: GA

Complaint narrative:
When we received our bill from Stockton Mortgage due onXX/XX/XXXX the amount due increased by {$480.00}. When we contacted the company we were informed that it was due to an escrow shortage based on the amount of taxes owed. Upon further research on our part, it was determined that the mortgage company had accidently paid our taxes twice forXX/XX/XXXX, paying an excess {$4600.00}. The company even after admitting this error, still made us pay the extra {$480.00} for the payment due on XX/XX/XXXX, indicating they could not adjust the payment due until they received the refund from the county. When speaking with the company on XX/XX/XXXX, they indicated it would take 14 days to correct the issue. We contacted the company again on XX/XX/XXXX and no progress had been made and we were told it would take another 14 days. At this point, we asked to speak with management and were told they would call within 24 hours. No call was received, so we called the company back on XX/XX/XXXX. At this point, they indicated that they had received the refund from the county. We were told they would escalate the escrow analysis and have it complete by XX/XX/XXXX. Once again we asked to speak to management and were told we would receive a call back in 24-48 hours but did not. We contacted the company on XX/XX/XXXX and they indicated it had not been completed, but would be complete by XX/XX/XXXX. We contacted the company again on XX/XX/XXXX and were told the analysis still had not been completed. We were told again we would receive a call from management within 2 hours and no call was received and the issue still has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
F A C T-Experian does not allow me to add the TRUTH- Never late! Negative due to XXXX XXXX XXXX. ich was originally posted years ago and subsequently removed by them. Now I ask how can anyone believe what they claim? Yes even with their so called add additional information they do NOT allow it. WOW. We certainty know what they do by their works. In fact this is XXXX say one thing but actually deney comments due to their own perception even when the bank reports incorrectly as their report has been for years and is even now! Need I point out continually the wrong info?

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 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Common Wealth Financial system is reporting a debt to my credit report That I already paid to another debt collector XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED

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 2021-04-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: MD

Complaint narrative:
On XX/XX/2021 we were notified ( see attached ) that our mortgage servicing was transferred from from XXXX XXXX XXXX to XXXX XXXX XXXX with an effective date of transfer that was on XX/XX/2021 The transfer has since been completed, but XXXX is still reporting to the credit bureaus the a loan balance of {$190000.00} that was also transferred to XXXX XXXX XXXX. They are also still showing the loan as being OPEN to the credit bureaus, when it should be Closed. We have so far completed two payments to the new mortgage servicer and looking to the third, yet the credit bureaus are still reporting the transferred balance and an account that should have been CLOSED

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 2021-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Addendum to complaint XXXX : I went to the Send Message part of Freedom Mortgage 's website 2-3 times between XX/XX/XXXX and XX/XX/XXXX as well. The website has a " Subject '' pull down menu that is blank. If this is not filled in, the Message will not " Send. '' I tried to send Messages twice this way as well as all of the phone calls mentioned in the above 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 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid off a consent agreement to a company called XXXX. I paid off a XXXX balance in two years once I paid this account off it took me two months to get the account removed. Once the account was removed my credit SCORE dropped XXXX points!!!! ic There is no logic in that. 

This was done by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I have disputed these accounts multiple times and I still have received nothing at all from Simons Inc. They are required by the laws, FDCPA and FCRA, to provide me with proper notifications and disclosures which I have never received. They have violated the laws that govern them, you are the proper arbiter. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to access my free annual credit report 3 weeks ago. All 3 agencies denied me access and did not provide any explanation. I filed a complaint with CFPB about this issue. The complaint files were opened, one for each agency. Only 2 companies responded, but they did not respond to my question about why they would not provide my report online. XXXX  and XXXX  claimed my credit report will be mailed to me. So far, I have not received any credit report. However, CFPB closed the complaints, despite my refutation that they didn't address the complaint. 

TransUnion hasn't even responded to the complaint yet. 

It has been 3 weeks since I tried to review my data held by credit agencies and I'm still waiting. 

What is the CFPB doing to resolve these issues? 
XXXX 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 non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: AL

Complaint narrative:
At XXXXCT I deposited XXXX BNB coins into my Binance.US account from trust wallet. I entered the address and MEMO but for some reason the memo did not submit. When I hit enter the transaction successfully sent but was never received by my Binance.US account. The Tx Receipt is, however saying the transfer was a success. According to Binance.US this issue can be resolved but I have not heard from any support personnel since submitting my ticket Wednesday morning at XXXX, only auto generated emails from a third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I received a phone call from a female who told me I owed money and needed to pay immediately. I said that didn't make sense, I wasn't aware of any money owed and always pay my bills. She said my address was something different but similar and I corrected her and she said she updated my information. The woman was very rude. I asked the woman to mail a bill or statement to my address so I could ensure the debt was valid, it was not for a service I had requested or was aware that I had received. I never received a notice/bill/etc. I noticed my credit score had dropped so I requested a credit report and this was on it. I do not think it is a good practice to request money over the phone without sending a bill or statement. It seems fraudulent and they may have me confused with someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX

Company response to consumer: Closed with explanation