vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed by a fake investment company and then a fake law firm who said they would help me. Payment went through XXXX  and cashapp. My issue now is I feel like there are scams of people who say they can recover my funds as well. So I am very weary of the process here until a friend of mine who is very concern about my health that is deteriorating informed me of your service that you can help me put things right. 

I was contacted by what I thought Was a legitimate investment company named XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX they promised me fantastic returns on investment and we signed multiple contract agreements. Payments were in BTC through XXXX totaling {$55.00} USD. After they kept asking for more money I found the real XXXX XXXX and they ensured me that who I was dealing with is a scam ( I have the emails that show this ). 
An accomplice of theirs made as if he had fell to the scam with me and had me contacted by XXXX XXXX, a law firm that was going to help get my money back. I paid them $ XXXX in BTC through cashapp and after I got nowhere with them ( they made a big story and forged legal documents out of the XXXX XXXX I found the real XXXX XXXX and they assured me the email addresses that I was talking with were a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MVBA, L.L.C.
State: VA

Complaint narrative:
I received an unsolicited text message from ( XXXX XXXX XXXX. The sender represented themselves as being from MVBA and working with several cities and courts in the State of Texas. I am attaching a copy of the text message which appears to be attempting to contact a XXXX XXXX XXXX. That is not me and I have no idea who it is. I do use ID protection software, and have received notifications that associate my phone number with this individual in XXXX VA. 

I called the XXXX number listed in the text message, but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: FL

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payments or account. You are reported totally different or missing information on my XXXX XXXX XXXX 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 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX Transunion 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
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
To Whom It May Concern : On today, XX/XX/21, at XXXX PM, I received another one of many repeated telephone calls from FNC Control SVC XXXX. The call originates as a pre recorded message stating this is an attempt to collect a debt. You are not given any information as to the amount of debt, type, who the debt is owed to, nothing. It does offer a number to call for more information or " Press # 1 '' to speak with someone now. So today I decided I would do just that and try to stop the calls. However, upon pressing 1, it just disconnects the call. I have no outstanding debt that I am aware of. We do have debt don't get me wrong. I have a mortgage, credit card, etc., but they are all paid on time. These calls are relentless and typically right as we are about to sit down to have dinner. I am registered on the do not call list which doesn't seem to help entirely. If there is anything that you can do I would greatly appreciate that. I know they have a job to do and it isn't the middle mans fault but these calls are beyond a nuisance. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
Someone tried to access my account and change my information. The credit card company flagged my account and contacted me. Someone has access to some of my 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 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm
State: MS

Complaint narrative:
Mendelson Law Firm did not inform me that I could dispute the debt and threatened to garnish my wages on a debt that had passed the statute of limitations. I did not receive any notice until, the notice stating that a judgement against me had been made and I did not want them to garnish my wages, and agreed to make payments. I have made five payments on the debt, but the debt amount is not showing a decrease and I am not receiving statements with new amount owed. 

Also, the company bought the debt for much less than they are charging me, yet they are charging me the original amount plus fees. They paid less than {$1500.00} for the debt. They are charging me over {$5000.00} which should not be legal. 

I have made payments every month since the agreement. They agreed on XXXX per month, but I have been paying {$50.00} every month.

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 2021-04-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX/XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX**** XXXX  XXXX XXXX XXXX**** XXXX  XXXX  XXXX**** XXXX/XXXX  XXXX**** XXXX  BANK 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
Consumer complaint received 2021-04-05 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am filing a complaint against Kimball Tirey & St John, because I believe they are validating my consumer rights. The Fair Credit Reporting Act requires that they accurately and fairly report debts, yet, they are attempting to collect on debt that is not valid. 

In XX/XX/2017, I lived in government housing on a XXXX installation. XXXX XXXX XXXX was the property manager. While living in housing, I received an electricity bill, which I immediately disputed because the bill seemed extremely high. At the time, XXXX XXXX XXXX ignored my complaint, and my account went to collections. Later that year, the military installation opened an investigation into the utility billing. The program had come under fire for inaccurate monitoring, resulting in anecdotal reports of unearned overcharges and other inequities. As a result of the investigation in XX/XX/XXXX, XXXX XXXX, acting assistant secretary of defense for sustainment, signed the XXXX XXXX XXXX XXXX, which directed the immediate suspension of the XXXX utility billing program, also known as resident energy conservation program ( XXXX ), and dismissed all debts associated. Below, I have provided a link related to this topic : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. 

Although, this debt has been dismissed Kimball Tirey & St John continues to report a debt on my credit report in the amount of {$1400.00}. I would like this debt immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
XX/XX/XXXX RE : XXXX and MRS BPO, L.L.C. 

On XX/XX/XXXX XXXX sent my bill to " XXXX  '' for collection. Upon XXXX  reading my complaint through CFPB they determined their was no reason to pursue this charge from XXXX. 

I talked to dozens of people at XXXX about my XXXX not working properly the day after I received it. I kept getting kicked around from person to person and department to department. I finally reached a specialized department that immediately told me I had a free exchange due me. XXXX sent me a return box and instructions on how to return the faulty phone and I was sent a replacement. I have not had any trouble with the replacement. I have never had trouble with any phone since I started using cell phones in XXXX. 

I sent the phone back as instructed and the next thing I get in the mail is a collection notice. 

XXXX sent me a return box and authorization. With out having that authorization and box with a shipping label through UPS I could not have returned the phone. I do not know what happened from my returning the faulty phone to them sending a bill to collections. I can not get anyone at XXXX who knows anything to explain what happened. 

After being treated so horribly from XXXX, I switched phone service. I made sure I was paid in full and canceled their service. 

I am sorry XXXX is so vindictive and so childish to first allow a return and then, because someone, in some office, in some town had a bad day, decided I should be charged. It's very upsetting. 

I do not owe this bill. I will never pay this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am XXXX in the way this has been handled. I am sending in my this letter today with more supporting documents.

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 2021-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
We are buying a new house and the mortgage company is requiring the following documentation to proceed - Condition Description Provide documentation from XXXX XXXX XXXX showing full principal balance from home equity loan # XXXX was transferred into new installment loan account # XXXX. 
Date Assigned XX/XX/XXXX Condition Status : Required I have spoken with XXXX XXXX XXXX  and Specialized Loan Servicing 4 times each. The documentation needed is from XXXX XXXX. XXXX XXXX XXXX tells me since loan servicing was transferred to Specialized, I have to request from them. However, when I speak with Specialized they tell me they can not provide since this is before they took over the loan ( XX/XX/XXXX ) and they refer me back to XXXX XXXX XXXX. Ive spoken with XXXX XXXX XXXX Back Office Team and they tell me that they don't have access to those records because of the transfer to Specialized and that Specialized has to help me. I requested loan history documents twice ( XX/XX/XXXX and XX/XX/XXXX ) from Specialized but still haven't received them.

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 2021-04-05 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: FL

Complaint narrative:
I was disputing hard inquiry from XXXX XXXX XXXX, 2020 and their response was it shouldn't be hard but soft inquiry. Bank 's response attached to this complain.

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 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2021, CAVALRY PORTFOLIO SERVIC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened an account with Barclays through the XXXX XXXX Credit Card program in XX/XX/XXXX. Due to health issues, I fell behind on payments resulting in the account being closed and charged off in XX/XX/XXXX. 

Since then, Barclays has continued to update my account status on my credit report as a C/O, like clockwork on the XX/XX/XXXXof every month. 

In mid-XX/XX/XXXX ( around the XX/XX/XXXX), I paid off the balance in full with their in-house recovery company, XXXX XXXX XXXX. Both Barclays and XXXX confirmed that the account had a {$0.00} balance. 

In XXXX, Barclays is now refusing to update my credit report and now claiming that they can not find my account / claiming there's a name mismatch despite having ZERO issues reporting the delinquent account EVERY MONTH since XXXX. For the past week, since I've paid off my account, I've been given nothing but the runaround and zero answers from Barclays reps who claim my account no longer exists or is mine. 

I find this unacceptable and basically feel like Barclays is holding my credit score hostage by refusing to update my report in a timely fashion ( if they even intend on doing it at all ), and multiple representatives either providing me with blatantly false or incorrect information. 

My account number is one ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CDI Affiliated Services, Inc.
State: TX

Complaint narrative:
I am in XXXX, TX and they sent a XXXX XXXX lab {$37.00} bill which is located in XXXX, XXXX. I have never heard of this out of state company and they never sent any bill. If I do XXXX search for this company in XXXX. THe invoice billing company is CDI Affiliated Services Collection Department, XXXX XXXX XXXX, ID XXXX. The phone number is XXXX and XXXX. This bill needs to be cancelled and unnecessary threat of collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We entered into a forbearance plan last year that SPS was offering due to covid. We made some payments during the plan but owe XXXX dollars. We applied for help in XXXX of this year and submitted all the documents they requested. On XX/XX/XXXX we recieved a letter of denial for all there programs. I'm not sure what to do now. I was under the understanding they were going to help people at the end of the forbearance to get back on track. What is the purpose if your expecting full payment of all money at the end of a forbearance. How is this helpful. I thought this was helpful of the company, but in the end I could lose my home of almost 24 years. You can't speak to anyone in authority. I've asked for a supervisor or manager while going through this process and was told they were looking at the paperwork but I never spoke to anyone other than the people that answer the phones. They just say they don't make the decisions. Please help me figure this out. I don't want to lose my home. I could try to make a larger then normal payment but I don't know if it would help in the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation