vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I have been reaching out to this company via email and phone for a few months requesting an accurate payoff. They keep giving me an amount that I disagree with and they will not tell me how they are reaching the amount of {$870.00}. Per a phone call, I was told it did not include accrued interest, but that is all they would say. I have requested numerous times for a reasonable payoff but they are not interested in discussing this. Every email I send, they only respond with " please give us a call. '' Those phone calls go nowhere. I have asked for written confirmation by responding to, and answering my emails. Monday, XXXX XXXX I called them, per their email response and I asked to speak with someone that could assist me in getting this resolved. The representative gave me their disputes division email address, in which I have emailed three times and I have not received a response from them. I have also requested they remove the charge-off from my credit reports because I have been trying to resolve this and pay it off since before they reported it as a bad debt. I have also pointed out that they have reported to the credit agencies the incorrect original balance. The original balance, and the amount they deposited into my bank account was for {$800.00} on XX/XX/XXXX. They are reporting it as {$1000.00}. I have made a total of {$210.00} payment against the {$800.00}. I can understand interest. However, unless they are willing to justify the {$870.00} payoff, I disputed that. Per the XXXX phone call, the representative suggested I log into my account to review the contract. I told her that my login information is not working, and she did not assist in correcting that so I could log in. My last email dated XX/XX/XXXX, I have requested a copy of the signed contract and correction to my credit reports, along with a reasonable payoff amount and breakdown of how they are coming up with the {$870.00}. Trying to get an accurate payoff and/or explanation of a payoff higher than the loan itself should not be this difficult. I have consistently acknowledged this debt and I have consistently been trying to get it resolved and paid off. I need this information corrected on my credit reports, as it is preventing me from taking out a mortgage. I need the original balance corrected to {$800.00} XXXX that is all I received from them XXXX and the charge-off removed. I do not agree with being reported as a bad debt since I had been in contact with them consistently since before they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery is currently reporting a false account to my credit file, this account is the result of an XXXX XXXX XXXX. During this breach, my personal information was stolen and used to open accounts against my knowledge. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
They are refusing to stop pay on homeowners insurance, the insurance company sent back check weeks ago and they can't seem to locate nor will they stop payment and refund the escrow. They are forcing me to pay 2 insurance for an error they made when I told them not to pay.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting that I have disputes and settle disputes on three of my revolving credit cards as comments these comments need to be removed because I did not request any comments and there is no legal reason the comments should be on my credit report especially on XXXX because its a brand new car along with XXXX and XXXX so theres no reason to dispute these new cards they are manipulating credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I have a judgment against me and I have been trying to get in contact with someone about resolving the issue. I am being told that my file is " archived '' and that they can not open the file. In the same conversation I was told I had a XXXX balance and in the next breath I am being told I have a balance. They will not send me anything at all. Each time I call I have been transferred to another department or given a fake voicemail or hung up on. They refuse to send me anything because the file is " archived '' I keep getting told that my file isn't handled by this department and keep getting phone numbers for other departments. And when I call them or if they transfer me ( without hanging up ) then that department tells me they can't help, it is another departments responsibility. 

I started this endeavor on Friday, XX/XX/2021 and today, XX/XX/2021 have tried to resolve my issue, but to no avail. So for over a week I have been jerked around and it is getting old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After filing several disputes with Equifax and XXXX, both still refuse to remove a collection account from my credit file long after the creditor sent me a letter indicating that the account is paid in full and that the company would be notifying the three major credit reporting agencies to take the appropriate action on the account. Both companies are in violation of the Fair Credit Reporting Act! 

See current copy of my Equifax report still showing the account as a collection account with a XXXX balance. 

See copy of the letter sent from the creditor that describes the statement I mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX, XXXX 2021 all of my money was transferred from my bank account to my cash app. My money was then sent from my cash app account to a cash tag XXXX XXXX. The amount of money that was transferred from my bank account to cash app was {$3200.00}. First {$10.00} was sent and then {$1000.00} 3x and then {$280.00}. I wasnt aware of this until the following morning which was XX/XX/XXXX. Cash app doesnt have a phone number so there wasnt anyone to call. I immediately tried to request a stop on the funds being transferred and I also called my bank to dispute the charges. My bank account was wiped clean. A few days later I received an email from cash app saying that it was my device that the transaction was done from. This is absolutely impossible. Im explaining to them that I didnt do it. I even asked them if this cash tag had any other fraud claims and they wouldnt disclose the information. I asked for a corporate number and they said they dont have any number for consumers to call. They also told me that they wont not email me back anymore about the same dispute the decision was final. Cash app then told my bank the same exact thing. So Im out of {$3200.00} because it was sent to some mysterious cash tag that Cashapp is protecting. I honestly think cash app is scamming people and taking their money because theres no way this should have been handled so carelessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tulsa Adjustment Bureau
State: NM

Complaint narrative:
I was not contacted for 2 years abd this charge which was paid in XXXX of XXXX and is noted by XXXX XXXX XXXX as workers compensation was attached to my credit for lack of payment. I was hit with XXXX points fir a bill I dont owe. I was told last week by TAB services that this was immediately remedied on theyd end as a workers comp and it would be removed from my credit. YET, they did not remove it, they only updated that it was paid in XX/XX/XXXX still effecting my credit reports and credit scores. Im asking to have these erroneous charges removed completely from my score and that my credit score no longer be negatively impacted by this biking which was paid in full by insurance 2 years ago. There should be laws on the books that if a collection agency is going to hit someones credit, they be required to circle back to their clients first to double check these bills are still outstanding. XXXX XXXX XXXX could have also corrected this by updating my file in the two years they gad a XXXX balance. Tab services is negatively impacting my credit and this bill was workers comp. it was avoidable and they still havent removed it knowing its paid and erroneous & hurting my credit. I am XXXX as I find T h a t a bit unethical.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NJ

Complaint narrative:
I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.

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 2021-04-07 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: NJ

Complaint narrative:
I have a XXXX XXXX XXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: NJ

Complaint narrative:
I have a XXXXXXXX XXXX XXXXXXXX credit card issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. When I first used the card I was told at the shop that I had no payments for 6 months as a promotional offer. Thinking that I didn't have any payments for 6 months I did not worry about the payments until I checked my account and seen I was 90 days late. I was not getting monthly statements because they were being flagged as spam from XXXX. I contacted XXXX XXXX and explained the situation and they do not care. I have made every other payment after that on time and sometimes more than the minimum. I want the late marks on my credit to be removed as I was told I had no payment for 6 months when making the purchase.

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 2021-04-07 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: BAM Management US Holdings Inc.
State: OK

Complaint narrative:
They told me several months ago that I had a {$450.00} charge back and their automated system has froze my account and I couldn't have it unfroze until I deposited {$450.00} and only then It would unfreeze my account and let me back in at which time they would return {$450.00} back into my account. After checking my bank account and records I seen there was NO charge back but since they said I was getting it back I went ahead And scraped up the rest of my funds and deposited another {$450.00} in my wallet just so I could get back into my account. Well after I made the Deposit I emailed them and no response. I emailed them again and no response. It has been over 2 weeks and I can't get any response and my account is still frozen. Please please help me. They are crooks and stealing people 's money and just writing them off. Someone has to do something about this. Thank you and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: GA

Complaint narrative:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account for {$500.00} ; I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.

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 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In 2017, XXXX leaked the personal data of over 143 million Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account, I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to me and I have never done business with you.

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 2021-04-07 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In 2017, XXXX  leaked the personal data of over XXXX XXXX Americans including mine, as a result of this data being leaked, I am a victim of identity theft, the compromised information leaked such as my name, social, date of birth, drivers ' licenses number, and other personal information that should have been kept secure were used to open several accounts in my name without my permission. Your organization is currently reporting a fraudulent account. I know for sure that a collection company can not collect a debt on behalf of another, this debt does not belong to be and I have never done business with you.

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 2021-04-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation