vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-30 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: The Outsource Group, Inc
State: SC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. XXXX  XXXX XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX   XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX  XXXX  6. XXXX  Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: The Outsource Group, Inc
State: SC

Complaint narrative:
Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. XXXX  XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report.

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX  XXXX  XXXX  XXXX, SC XXXX  3. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 4. The following personal information is incorrect Account Number : EMPLOYER :XX/XX/2020 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX  6. XXXX Account Number : XXXX  Please remove it from my credit report.

I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We wanted to adopt the kitten from the XXXX account XXXX  XXXX. On XX/XX/XXXX I texted them to gain more information about the kitten. The seller said that all the kittens cost {$400.00} for adoption and they will be sending the kitten from XXXX, CA. I agreed to pay only {$200.00} and then pay the other half after we will sign the paper work. The seller agreed on that. We signed the paper work and sent him anorak {$200.00} from XXXX  to the email address XXXX. After he received the money he said that he will send our kitten on XX/XX/XXXX in the morning. On XX/XX/XXXX at around XXXX he sent me a tracking number to track our kitten at the website XXXX. After that the delivery guy contacted me and confirmed our shipment and delivery. After a few hours we received an email from XXXX saying that we need to get a proper crate to them be able to deliver a kitten and the rent for this will cost us option number 1 : {$2100.00}, option number 2 : {$1200.00} and option number 3 : {$550.00}. We choose the option number 3 and made a payment of {$550.00} through XXXX  to the email address XXXX. The accepted the money and said that they are confirming it. After a few hours they emailed us saying that the option number 3 is not available anymore and we have to get the option number 1 which is {$2100.00}. We didnt want to pay that money and kindly asked to return our money since the money was 100 % refundable. But they say that they cant return money since they can only return it when deliver the kitten with cash. We did not want it and so he said he will contact the sender and call us back. The seller contacted me and said sorry and said they he will pay {$1000.00} for crate and we can pay only {$550.00}, we agreed on that. We sent {$550.00} to the delivery company. The delivery guy contacted us and said that they have received the money and ready to ship our kitten. In the morning on XX/XX/XXXX we received another email saying our cat is on hold again because we need to purchase city permit for the kitten which cost {$2100.00} and if we will not do that they will not deliver the kitten. We asked them to refund our money and send the kitten back to the sender. They dont want to return our money now.

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 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
Prior to this being placed on my credit report I received no prior notification which places them in violation of FCRA and FDCPA laws respectively. 

The debt has not been validated. 
I have mailed the following letters directly to ERC for validation- 1st request for validation letter mailed XX/XX/2021 I received no response. 
Second debt validation letter was mailed XXXX Again I received no response. 

Im requesting this account be removed from all credit Bureaus immediately. 

Thanks for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: AZ

Complaint narrative:
I received a derogatory mark on my credit report in XX/XX/2021. The debt collector Paramount Recovery Systems is claiming that I owe medical debt from XX/XX/2021. I have never received a bill or phone calls from either the debt collector or the company claiming I used medical services. The information in the report is not accurate and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XX/XX/XXXX a XXXX XXXX XXXX XXXX and it was the same day the company sent the Notice to Cure and the law states that I have 20 days to reply to that notice but I never received a notice and my car was repossessed that day. I called the company on XX/XX/XXXX at XXXX PST when I noticed that I was being billed twice and my due dates for my car note was suppose to be on the XXXX of each month. The representative hung up on me when she was trying to get ahold of a " manager '' after being on hold for 30 mins when I could clearly hear her in the background typing and listening to music. This company has a class action law suit against them for taking advantage of consumers like myself. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I used my credit card and the purchase of just under {$5000.00} resulted in a drop of over twenty points. This amount was then paid off during the next billing cycle, but my credit report has never been credited properly. 

This is not the first time these pseudo governmental agencies have really lagged behind in keeping the information current. They are always quick to lower the credit rating but very slow to report that the debt has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Friday XX/XX/XXXX I had a debt for a thousand dollars from money lion.com ti contacted the company and somehow a loan was taken out in my name. 

Friday XX/XX/XXXX I had a debt for XXXX from moneylion.com I contacted the company and I was randomly charged for a loan I never took out. 
Both times company refused to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: TX

Complaint narrative:
True Accord has contacted me via email asking me to pay an unvalidated and unverified debt. True Accord 's emails are false and misleading. I did not give True Accord permission to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DriveTime
State: DC

Complaint narrative:
XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?

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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I reached out to Ally Bank to refinance my current mortgage. After speaking with their representative I was encouraged to apply online. I did explain my income and current employment situation. I received help to completing the process. After I completed the process they said I had to pay for an appraisal to lock in the rate and terms of the loan. So, I paid {$550.00} as they requested to secure an appraisal. I later received a copy of the appraisal stating that the cost was {$350.00}. Around the same time I got an email stating that I did not qualify for the loan. I asked for a refund for the appraisal and was denied. I also asked for the difference of what I paid vs. the cost stated on the appraisal. Later I was told by XXXX XXXX ( Processing Expert/XXXX XXXX ) that the cost was {$510.00} so they gave me a refund of {$40.00}. I provided her with a copy of the appraisal showing the cost of {$350.00} on the document. She stated that she would get back to me and I haven't heard from her since XX/XX/2021.

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 2021-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX a Mortgage Forbearance/ Modification Agreement that the money that is owed is XXXX and not due until XX/XX/XXXX, in the past year they up my loan payments to cover this expense of XXXX was taken on XX/XX/XXXX and XXXX was taken of XX/XX/XXXX and in XXXX. not sure about the %. Unable to figurer that part I wrote a letter asking them to send me all my information on both of my loans date from XXXX so I can take them to a third party to review they have refused the first date was XX/XX/XXXX and the second time in writing was XX/XX/XXXX I also asked them to fix the errors XX/XX/XXXX they have refused they want me to go into another forbearance/modification agreement. 
XX/XX/XXXX, Bank of America was still sending inspectors to our home, and one was driver high rate and I want to report them to the police but bank American refuse to send the information of the 3rd party I do not understand why they would send someone to my home during a quarantine of lockdown. ( he got out of his car came up to my home and took photos of my home and ran back into his car put in reverse at high speed and pulled to the next-door cross street neighborhoods drive-in reverse and in forwarding race up the curve up the street. ) Also, I am still under the IL hardship agreement and I do not think they are following this agreement also. 
XXXX I had a modification and they add 14 years to my mortgage, I also notice the amount is smaller it was also taken out. Bank America has refused me a refinance to lower my 4.7 %. I have been looking for a third party to help and review all my stuff bank lack of information from bank America is make it difficult for us. 
I was told by the bank of America they had to pay taxes in XXXX for XXXX I think and charge me for them I paid them in cash they never show me the paperwork from cook county. I should not pay % on this amount. 
I have 2.5 years left with the IL hardship agreement. 
also, my credit has taken a hit.

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 2021-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: CT

Complaint narrative:
THIS IS NOT A DUPLICATE ISSUE. I HAVE PREVIOUSLY SUBMITTED COMPLAINT XXXX BUT THE ISSUE IS NOT RESOLVED. PLEASE READ : Hello, I am continuing to have multiple issues paying my monthly bill using the XXXX XXXX  They have issues with their application, their support team is extremely slow to respond, they do not have phone support, and they have not addressed the issues I have reported like they previously stated. Below I have detailed the steps I have taken to resolve the issue. 

The issue I have every month is paying my bill. I have my bank account connected ( XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX and auto-pay enabled ( reference Screenshot # XXXX ). Grain NEVER processes my monthly automatic payments. I do understand that payments are my responsibility, so in an attempt to resolve the auto-pay error in their app I have tried the following : XXXX. Logged into the app and tried make a manual payment. This does not work. The app states that " There is an error with your external account your bank isn't responding. XXXX XXXX ''. ( Reference Screenshot # XXXX ). XXXX responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. Tried to change my connected bank account to resolve connection errors. This also did not work - I am told to contact support. ( Reference Screenshot # XXXX ) Support responds weeks later, sends me a one-time payment link and processes late fees on my account. The app error is never fixed. 

XXXX. XXXX XXXX continuously to request one-time payment links and to get support for the app errors. This always results in weeks delayed responses, late fees on my account and no resolution for the app errors. I even respond after paying asking for another link for next month just to make sure I won't get a late fee and it still takes them weeks to respond. ( Reference my past complaint submissions with email screenshots ) XXXX. XXXX XXXX asking for them to help me change my bank account. This is most recently and is the most frustrating - the support agent responded that I needed proof that my current connected bank account is closed. How is that legal? I should be able to change my payment type at any time, especially when there are obvious technical issues with my current connected account. ( please reference screenshot # XXXX ). 

Grain has some serious application and support issues that are impacting my credit and finances. I have done everything as a consumer and more to try to solve these and have no where else to turn for help. In my opinion, this. company should be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I was evicted from my apartment on XX/XX/2020. I was served the lockout notice on XX/XX/2020. On XX/XX/2020 I was incarcerated in XXXX XXXX XXXX for a XXXX and then transferred to XXXX. I got out on XX/XX/2020. By the time I got out, someone else was already renting the apartment I was living in prior. I contacted XXXX XXXX XXXX to advise that I was evicted back in XXXX and that someone else lived there now because they were still charging me. I was told it did not matter who lived there because I never called to shut off service and that I owe everything up until the day I contacted them. I explained that I had no way of contacting them due to my incarceration and offered to send them all the paperwork showing my eviction and incarceration as well as my XXXX  completion. They did not care. 
They have now sent this bill to collections with Contract Callers. I attempted to contact them to work out a settlement but they won't budge. I should not owe anything on this account after XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: U.S. BANCORP
State: CA

Complaint narrative:
Elan Financial keeps charging me for a fraudulent account never authorized by me. In their response, they claim that the address and phone number verify to me. However, I have never had this XXXX phone number nor have I ever lived at the address on the application. Someone has used my social to open fraudulent accounts and phone numbers. 

Additionally, the application had an incorrect last name, which I have never used. The email address and employer also is not my real 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 non-monetary relief
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX  XXXX time, I spoke with MrXXXX XXXX XXXX after finding out that I had a debt collection on my credit report. I wasn't notified about this issue via email, mail, or anything. I then reached out to find out what is going on, and why I was not notified by Portfolio Recovery to prevent this from reaching my credit report. They confirmed they sent it to an address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I advised them that was not an address I have lived at since XXXX. They then said, " Well, we have a XXXX XXXX XXXX XXXX, AZ XXXX on file ''. I advised them that I never received that whatsoever. ( On XX/XX/XXXX, I reached out to the Postmaster to get a copy of all the mail I have received for 1-year. Portfolio Recovery is nowhere on the mail report showing them ever sending me a letter. ) I proceeded with a friendly conversation to ask them how can we get this handled right away and get it removed. They neglected to say anything, so I then threw it out, " What if I pay you in full right now? Can we get it resolved? '' They responded, if you pay it today, we will update the credit report to reflect a XXXX balance immediately. I asked them if they verified this information before they posted it to my credit report. They said they didn't have to as of yet because it wasn't requested. They then said, After the payment has been posted for 30 days it would be removed. I asked for that in writing before I pay the bill, they refused to do so until I paid. So, I paid the bill to prevent myself from being homeless because their line of credit is what is preventing me from buying or renting a home. I am attaching the letters that were sent to me and the information. I would like Portfolio Recovery to be Shutdown due to this exact issue. For being deceptive, misinforming, and not providing required notification prior to all this occurring. 

On XX/XX/XXXX, I reached out to Portfolio Recovery to address this issue and they refused to do anything and said, " I have no knowledge of this phone call and I will document your call and that's all I can do! '' I spoke to a Mr. XXXX XXXX. After that, I became XXXX. This company has lied, posted inaccurate information to my credit report, and never properly notified me of the issue to prevent it from getting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: CA

Complaint narrative:
Blitt and Gaines did not validate the alleged debt they are attempting to collect from me. Blitt and Gaines provided false and misleading communication regarding the alleged debt.

Company response to consumer: Closed with explanation