vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MO

Complaint narrative:
this company Americollet is in violation of my hipaa Rights and all of these accounts held in data needs to be deleted immediately or else law suit will be processed. Unauthorized accessing of PHI is illegal an should be punished to the highest extent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TN

Complaint narrative:
L J Ross Associates, Inc at address XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$340.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Their website or phone service does not allow you to pay off your loan early. The only option to " make a payment '' leads to editing your credit card or debit card details. I called their customer service number to see how I could make a larger payment on the loan, that wasn't the monthly scheduled one, and the representative said that I have to wait for the website to be fixed. Unfortunately, there has not yet been a fix and there is no way to pay off the loan early. This means that Citizens One can collect more interest on the loan and keep me in debt, despite my ability and desire to pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/21, XXXX XXXX ( XXXX USD ) was wire transferred to Transferwise. Transferwise claimed they did not receive this transfer. I inquired with both my bank and Transferwise. I forwarded Transferwise the copy of the receipt from XXXX XXXX  XXXX showing that the wire was, in fact, sent from XXXX XXXX XXXXXXXX to Transferwise. Transferwise continued to claim they did not receive the transfer. Trasnferwise then returned XXXX XXXX ( XXXX USD ) to my account on XX/XX/21. I am due XXXX USD to my account. My bank has not charged fees for the wire sent nor received. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: AZ

Complaint narrative:
I recently refinanced with InterContinental Capital Group Inc. My problem is with the amount of junk mail I have started receiving after applying and closing with them. It is absolutely insane and ridiculous. I get junk mail with their name on it almost every single day usually more than one a day for months. This fact alone I would never recommend that company to anyone period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
This is the third time that I filed this complaint against Bank of The West they keep closing this case but they still haven't refunded my money XXXX Dollars from the wire transfer I don't know why they are allowed to do it this, I've been trying for more than three months and still no resolution this is the complaint XXXX this company should be a shame to put their customers thru this, every time that I call the person handling this case XXXX  XXXX can't give me an answer and like I said this have been going on for more then three Month 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TX

Complaint narrative:
The account ending in XXXX with Portfolio Recovery was resolved and settled in full back in XXXX/XX/XX/2021. The company stated the account was settled in full and no amount due. It is referenced on their site and when I negotiated the settlement was told the same. I was notified today by XXXX that the same company and account has opened the acct back up for XXXX after it has been settled. This is not ethical or legal when it was closed, you cant open it back up and I am actually getting exhausted dealing with this company and adding amounts back up when its been settled. I need this resolved asap or I will seek to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TX

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. Ive also emailed multiple PayPal employees and executives about me plaining to file a report of not being able too cash out my funds that I sent to PayPal from my on account. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC

Complaint narrative:
This company started reporting a debt they claim was owed to XXXX XXXX in the amount of {$670.00} I tried to ask the collection ( Ability Recoveries ) to provide proof of the debt along with any supporting documents from the original debtor the representative proceeded to argue with me and threaten to " get their money '' and that the debt was my debt, then proceeded to hang up on me. 

I called back and asked to speak with a manager and was told it would take 48 hours to speak with a manager or supervisor, I was then again hung up on and told to stop calling regarding this matter as " they were going to get the money they were owed '' I continued to demand to speak with a supervisor regarding the matter and was again hung up on several times. 

I called back 4-5 additional times and was hung up on each time and then eventually spoke with someone else who told me that the person who was constantly hanging up on me and threatening me was one of the managers. 

I informed them that i would be filing a complaint with reporting agencies and credit bureaus as this information had not been verified but was being reported on my credit as an open collection, however the debt has been more than 7 years old and I stated that to the collection agency and they continued to argue with me and hang up on me, i asked them to stop reporting the inaccurate information and they stated they would not do that as they had already verified the debt without my verification.

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 2021-03-07 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
On XX/XX/XXXX i received a letter from the Eaton Group Attorneys, LLc it was sent to me from their organization about and alleged debt. 
They wrote in their letter that i should notify their office within 30 days of receiving their notice.So i did notify them on XX/XX/XXXX to cease and desist any attempt to collect this alleged debt. 
But in their greed for money and their love for filing lawsuits they ignore the cease and desist letter and the federal fair debt collection practices act, 15 USC 1692. and filled a lawsuit on XX/XX/XXXX for XXXX XXXX XXXX . 
This is the kind of dishonest law firm / debt collector that gives companies a bad name this dishonest organization needs to be investigated for other violations that they have committed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TX

Complaint narrative:
While disputing inaccurate information with XXXX XXXX XXXX, Experian and XXXX XXXX replaced the previous XXXX XXXX account they removed in XX/XX/2019 back on my credit report XXXX XXXX. 

Now they have XXXX and XXXX XXXX reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints. 

Both XXXX XXXX nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus. 

Please refer to XXXX XXXX response to CFBP complaint # XXXX where they confirm that XXXX XXXX closed this account.

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 2021-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: DC

Complaint narrative:
IC Systems ( XXXX XXXX ) {$610.00} They are harassing me for cable equipment that was turned in a few years ago. I've been trying to dispute it off my credit report as I do not feel I owe this amount. Since then I have moved and lost the receipt given to me when I returned the equipment to the location at XXXX XXXX XXXX, XXXX Washington, DC XXXX. I would like to have this account removed from all of my credit reports as I feel this amount 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 2021-03-07 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: CT

Complaint narrative:
I disputed a recent charge off showing on my Experian credit report. I explained that I am a victim of a declared disaster as I am currently unemployed due to the pandemic. I contacted my creditors to explain this hardship, and 2 of them set up payment arrangements. One of those creditors took the payments but still charged the account of. They also did not flag my account as being a victim of a natural disaster. Experian claims they investigated, in 2 days, and that the creditor confirmed that the information is accurate.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have tried to get wrong addresses and phone numbers off of my report but no response of help from Transunion without doing a proper investigation.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2021 I filed a dispute to remove an inaccurate address. Experian denied the request to remove the address.

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 2021-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: United Credit Education Services
State: MS

Complaint narrative:
Ive been with the company since XX/XX/20 and havent seen much improvement in my score. Last I checked it was XXXX, Im not satisfied and would like a full refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-07 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On several occasions I have contacted all 3 credit bureaus and I have asked for late payments to be removed because payment was lost in mail for XXXX and XXXX pay.ents 2017 so O should have only 1 late payment over a 5 year period with the auto loan. I spoke to a representative from Ally Financial and was told that my account would be updated to this day it has not been. Also they are reporting last payments as 4 months ago etc showing balances never going down etc, I have added remarks to my credit file which is a direct dispute under FCRA requirements

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 2021-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Sent a letter last month requesting a formal letter stating what this debt was and who were they and I was told by them they didn't need to reply with written letter because original creditor took debt collection back. I called XX/XX/21 and they refused to give me any information on who the original creditor is and that it was my " problem '' to find that out. They keep reporting it t ok XXXX  although they confirmed through phone call its NOT their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Credit Bureau Dispute Resoluti XXXX XXXX XXXX XXXX XXXX, IA XXXX Has held a debt on my account for over 8 years that disputed. They would harrass leave negative messages with employers over a credit card that was used as fraud that I canceled on wells fargo years ago. I refused to call because its best to receive writing. In 8 years I have never received writing/proof and when I did my background check/ credit check none of this was in my way 7 years ago. I asked for proof and received nothing.

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 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NC

Complaint narrative:
PHOENIX FINANCIAL is attempting to collect on an account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I started the mortgage refinance process with Citibank in XX/XX/2020 and over the past year have received inadequate support to complete the process. My condo is part of the XXXX XXXX XXXX XXXX that requires Citibank and the title company to reach out in order to obtain required documents. The closing has been stalled for around 6 months due to neither Citibank 's mortgage representatives or the title company 's representatives connecting with the XXXX XXXX XXXX XXXX and providing necessary information to obtain the lien release document. 

As of summer 2020, Citibank no longer has mortgage customer service for clients. I have sent many emails over the past over 11 months to the Citi mortgage reps that are supposed to be helping me, however have received little to no support to move the process forward. A colleague of mine recently refinanced her house and it took 3 weeks. 

On XX/XX/XXXX, I received a document telling me that I will be required to pay a daily extension fee of {$34.00} for my locked interest rate. This is very unfair since I have provided all requested documents and am not the one who delayed the refinance process. I would like Citibank to waive the daily extension fee charges. 

I would deeply appreciate your help.

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 2021-03-07 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: IL

Complaint narrative:
hello ive recently pulled my credit report and i notice alot of accounts was token out in my name ive reached out to transunion, XXXX, XXXX  and still there is no response from then my idenity was stolen when i was deployed in the XXXX XXXX and not happy about this at all im a getting a lawyer involved to sue for damages for inacuarte information on my credit report

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 2021-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Revenue Services are attempting to collect on multiple debts that are either not mine, invalid and has reached the statute of limitation for collections

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 2021-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
I have a Rewards Mastercard issued by HSBC Bank. On XX/XX/XXXX, I redeemed 20,000 points that I had accumulated as rewards for two ( 2 ) {$100.00} XXXX gift cards. My redemption request was acknowledged in an email from HSBC. After 6 weeks of waiting, I contacted HSBC and ( after about 45 minutes waiting ) I was told that my inquiry was being forwarded to their rewards division and that I would be notified by email when my gift cards were being mailed. As of this date ( XX/XX/XXXX ), I have neither received the gift cards nor have been told when to expect to receive the gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.

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