vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have attempted to contact XXXX XXXX in regards to this debt. Ive even attempted to dispute it on their website multiple times. They call me more than 10 times per day. I asked them to correct the website or take the bankruptcy case #. They refuse to buy continue to ask for my address. I spoke to 3 people in one day without any resolution. Theyre trying to make me miss the 30 day dispute period which is XX/XX/XXXX. Her is the case # with IC systems XXXX {$3100.00}. This was included in my bankruptcy which was discharged in XXXX of XXXX. My Bankruptcy case # is XXXX XXXX. I want them to stop calling me.

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 2023-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I received a Payoff Quote from PHH Mortgage for the amount of {$410000.00} good through XX/XX/XXXX On XX/XX/XXXX I Closed on a refinance with a new lender. 

On XX/XX/XXXX The Settlement agent XXXX XXXX XXXX sent a XXXX Official check in the amount of {$410000.00} via XXXX to the address indicated on the PHH payoff quote. 

On XX/XX/XXXX The payment was received by PHH Mortgage, as indicated on the XXXX  proof of delivery. 

Its XX/XX/XXXX and PHH Mortgage has still not processed the payment and is incorrectly reporting this Mortgage account as open and not paid on time, in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/XXXX BOA paid XXXX to XXXX of my vendors XXXX, the money has ALWAYS IN THE PAST 10 YEARS I'VE USED BILLPAY COME OUT THAT SAME DAY ... ALWAYS. As you can see by my attachments the money HAS NOT BEEN WITHDRAWN yet the check was delivered yesterday to XXXX. Due to BOA 's practice and policy for the past 10 years I was accustomed to knowing how much money I had available at all times and never having to worry about a check being presented and there not being enough funds in my account. With NO WARNING BOA has inconsistently been mailing checks and the funds come out when the vendor cashes or deposits the check. Therefore BOA has changed the rules of the game costing me embarrassment with my vendors as several checks have bounced and I have been charged a fee by them as well as having my credit now tarnished. THIS IS NOT HAPPENING ON MY PERSONAL ACCOUNT, ONLY MY BUSINESS ACCOUNT. SO WHAT THE XXXX  XX/XX/XXXXIS GOING ON???

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos Bank offered customers a {$300.00} cash bonus when the customer opens a new Rewards Checking account and uses promo code XXXX. The bonus the customer receives depends on the Total Qualifying Direct Deposit amount in a 30-day Evaluation Period : {$1000.00} {$1900.00}, cash bonus {$50.00} {$2000.00} {$6900.00}, cash bonus {$100.00} {$7000.00} or more, cash bonus {$300.00} My checking account ( Account # XXXX ) received a {$7000.00} deposit on XX/XX/XXXX, five days after the account was opened, fulfilling the offer terms. Note that this deposit fell within Axos 's stated 30-day Evaluation Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: OR

Complaint narrative:
In accordance with the fair credit Reporting act account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
In accordance with the fair credit Reporting act account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I received a collection letter from Aldous & Associates for a collection on a gym membership of {$93.00}. they were extremely rude and threatened to ruin my credit. The representative also hung up on me while I tried to explain. 

I am a college student and dorm. I was never a member of this gym, nor did I sign up for this. This is not my debt. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: AL

Complaint narrative:
XXXX XXXX put a charge on my credit card that was paid off and in good standing. I have never missed a payment on this card. I check my credit often and noticed I had a XXXX late payment on this particular credit card. I called my credit card comp. They said it was a {$32.00} charge from XXXX XXXX. I called XXXX XXXX several times. Told I would get a call back from Supervisor. I never did. I called back and was placed on hold for a long time waiting for a Supervisor. As of now, I have yet to speak with a Supervisor. XXXX XXXX said it was for XXXX XXXX XXXX. That I cancelled almost a year ago. I never gave XXXX XXXX permission to charge my credit card. Now I have a 90 day late on my credit report. I never gave XXXX XXXX permission to charge my credit card and now my credit is ruined over a {$32.00} charge I did not authorize. No one is willing to help me resolve this issue. After I have tried so hard to keep my credit in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: MI

Complaint narrative:
On XX/XX/2022, I mailed a second request to TransUnion informing them that I recently had been informed that there were several inquiries that I did not authorize, in the file that XXXX maintains under my social security number. Upon reviewing my most recent credit report, I see that the inquiries are still listed. According to the FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer 's credit file. TransUnion notified me that they verified the information, but refuses to show me documentation proving how they verified the information, and now refusing to remove the inquiries from my file.

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 2023-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account was frozen and closed due to a fraudulent transaction. I filed a claim because someone used my account number for a fraudulent transfer. So the claim was resolved in a few days so I tried to withdraw my money from Bank of America. They froze my account and closed it. They tried to make it seem like I was the perpetrator in this matter. I received a letter saying my account was closed and so front. So I was like okay no problem I dont want to back with this horrible company as we all may know already. 2 representative said I was sent a check once my account was closed. Which was 3 weeks ago from todays date. I called them today to find out my funds was frozen as they validate where the funds came from. Its obvious where the funds came from. It was a wire from my XXXX XXXX account that I closed in order to have one bank. The representative said I have to call the other bank XXXX XXXX to get the money back. Its not possible to file a claim on a wire. Especially on a closed account. The amount is {$6500.00} in which I need.

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 2023-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I made two separate requests for a refund for payments voluntarily made during the COVID-19 forbearance, one with XXXX and then another with Mohela ( when I was told there was no record of a XXXX request ). When I followed up through email, I was told there was a refund to be processed due to PSLF discharge. However both requests were made much prior to discharge. I would like to make a complaint about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted a purchase on XX/XX/2022 and the amount of {$170.00} the transaction was declined by the merchant however the money was initially taken for authorization and was then deducted from what I had on my PayPal balance PayPal has not is shoot me my money back and was told that it would be going to a debit card that I have linked to my Paypal account but I did not use for this particular transaction the transaction that was made in declined through my PayPal balance PayPal has removed any visual aspect of me seeing the transaction history in my transaction summary I was able to see this transaction prior to the 30th day where my money should have been released back to me and suddenly the transaction history did not show that transaction among what was evidently removed I saved all email correspondences between myself between my debit card company who confirmed that there was no transaction made and through the company that declined my transaction initially that the funding was initially paid through PayPal I have an issue with this because PayPal has been giving me different stories I've saved every recording of phone calls as well and they're not validating to me where my money is and as I said for me to see a transaction summary that is no longer the same with the same listing itinerary it is confusing to me because it removed the transaction that would allow me to account for all my money and the funding of where it went I would just like my money back from PayPal I would like to move further if it does not happen as I said I have all the correspondence and everything to where I can State my case and all I want is a valid proof where every XXXX  XXXX have went

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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:
Several years ago, a property management company for XXXX XXXX XXXX sued me for eviction and a balance of about {$800.00}. The court ORDERED the eviction but denied any payments, specifically citing in the order that the amount owed was {$0.00}. Said management company, unhappy with that decision, FRAUDULENTLY conjured up a balance of about {$1400.00}, and ILLEGALLY sold it to a collection company called XXXX XXXX XXXX. That debt first came to my attention in XXXX, when it was reported on XXXX, and I submitted a dispute along with the court order directly to XXXX. After their investigation, XXXX ACCEPTED my dispute and DELETED the information from my credit file with their bureau. Now, the information is being reported again on Experian. I disputed it again, with all of the aforementioned, and even sent them the results of the XXXX investigation on the information. Experian just concluded its investigation and reported back to me that the information has been verified by the reporting company as accurate, and therefore it will not be removed from my file. Well of course their fraudulent and illegal information that was bought and paid for is reported as accurate, but it sure as XXXX doesnt supersede any court orders. Experian is proving me with no additional avenues or options to get this injustice resolved. I am filling this complaint to have them and EVERY CREDIT BUREAU PERMANENTLY DELETE this information as its negatively impacted my life, affecting my access to capital and increasing my burden of doing business.

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 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I made a complaint about this company before and I am now seeing the agreement they attached to try to validate this debt as mine. I do not see a signature on that paperwork so the debt could very much be anyone else.

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 2023-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: SC

Complaint narrative:
In reviewing my report from Experian, I found unverifiable, invalidated, inaccurate, and questionable items. I do not have any accounts with these companies under collection nor for review. I have made numerous attempts to resolve this matter via mail and Experian automated service, however, I had no success. The following items are unverifiable, invalidated, inaccurate, and questionable : Previous address : XXXXXXXX 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 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 XXXX XXXX XXXX Open Account XXXX XXXX XXXX XXXX XXXXXXXX - please remove inaccurate late payments and update to paid as agreed ; Collection Account - XXXX  XXXX XXXX, Account XXXX XXXX XXXX please delete. not my account. I do not know who this information belongs, but it is not mine.

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 2023-01-04 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: OK

Complaint narrative:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2023-01-04 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: OK

Complaint narrative:
I sent a letter off to all 3 credit bureau XX/XX/2022. 

Here is my tracking numbers # XXXX # XXXX # XXXX. 

To remove personal information that I dont not want on my credit report. 

According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
We refinanced our rental home with XXXX XXXX  end paid off in full our old loan XXXX XXXX. Also we paid in full off our XXXX card at nearly & XXXX. Because this is a new loan with XXXX we were given a D with Transunion credit Reporting. We're never late with our payments and you give us a Fair rating after having Very Good. Don't understand why our Good standing with previous vendors isn't taken into account but base it all in this '' new mortgage ". The other credit reports don't penalize like Trans Union. Please consider this. It may be a new mortgage vendor because we refinanced but the mortgage payments have been perfect in the past. 
Thank you for contacting this. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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