vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
In XX/XX/2020, I was forced to move out of my apartment cause the person I lived with was not following the rules set by the state government regarding covid health and safety. I have an XXXX  XXXX and XXXX so getting XXXX prior to any known treatment or vaccine being available was dangerous. I explained this situation and the risks my roommate was making to my health and asked that they release me from the lease. They stated that they would not and that only my roommate who was causing the risk to my health could. I contacted a lawyer and they assisted with requesting a reasonable accommodation from my lease under the ADA and Michigan law. Despite this, the XXXX sold the account to Procollect stating that a debt was owed by me and my roommate even though I had given proper 30-day notice to end my lease in addition to the reasonable accommodation. Procollect has since continued to harass me exclusively, they have not contacted the actual owner of the debt, to repay this debt I am not obligated to pay. I have contacted Procollect to resolve this debt and they refuse to discuss the matter with me because I dispute legal obligation and ownership. The agent assigned to the case hang up on me in response to my requests. I have disputed this account for years explaining the above and submitting the letter from my attorney as supporting documentation. The company along with another responded to my disputes by removing the collection from my account for around 4-6 months before adding it back to my credit report. This is not the first time this company has done this as over the years they have removed it when disputed for a span of time and then added back. This account was properly removed elsewhere but because of XXXX 's loose rules regarding reporting they continue to add and remove it from my account at will.

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 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
This collection appeared on my account with no known information. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I was notified that on or shortly before XX/XX/2023, a credit inquiry was made to Experian by XXXX. I did not apply for credit from XXXX or any other entity. I had a XXXX card in the past ; I closed the account in XXXX of last year. XXXX has no justifiable or legal purpose in making this inquiry ; since a hard inquiry negatively affects my XXXX XXXX, I regard this as a form of illegal harassment. XXXX has for over six months refused to investigate or even acknowledge fraudulent purchases made by an unknown person on XX/XX/XXXX, continues to bill me for a charge I did not make, and has generally behaved in a despicable manner to someone who was a very good customer. I want this inquiry removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
My prepaid gift card from XXXX is consistently declined even though it shows a remaining balance of {$18.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
A review of my credit report shows a XXXX dollar account. It is marked as a collection charge off. I received no letter for this debt. I received no XXXX for the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent Experian my FTC report along with my PA ID for identity verification. I have fraudulent accounts reporting on my consumer report. As a result of identity theft.

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I Cancel the Auto Payment before XX/XX/2023. Select Portfolio Servicing made unauthorized withdrawal on my personal checking account of amount {$5200.00} and i call my bank to stop payment which result me a {$30.00} stop payment fee on XX/XX/2023. 
same day XX/XX/2023 Sps called me XXXX asking when will i pay my mortgage.I said i already made a partial Payment of {$2000.00} because im taking Advance of Notice XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX that i can make a partial payment But SPS DOESN'T acknowledge the notice. I send the Notice of XXXX XXXX along with my {$2000.00} Check payment and SPS accept the payment but Didn't apply it to my Monthly payment instead SPS send me a notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I requested funds be distributed from my 'XXXX  XXXX XXXX account ' to my 'XXXX  XXXX XXXX IRA account ' on XX/XX/2023. I sent wire transfer instruction for this to be done however a paper check was issued instead. This has caused my money, which is {$26000.00}, to completely disappear. 
The physical check was cut and mailed on XX/XX/2023 to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX and deposited there at that location on XX/XX/2023 ( I have a copy of the cleared check ). The wire instructions had the funds being funneled through Citibank and into a XXXX XXXX account. This did not happen. Not only do I not have an account at Citibank the account number that was listed on the distribution check ( which I have a copy of as well ) had a XXXX XXXX 's wire account number listed and the funds did not get deposited there either. 
To sum this up, Citibank deposited a check that was issued to me XXXX XXXX ' with a XXXX XXXX XXXX account number ' listed and rather than depositing the funds into that account number or returning the funds to the sender, they were deposited into Citibank leaving me with no access to my retirement money. I've had zero gains on this money for over 30 days day and everyday that the money isn't in my Roll Over IRA I am losing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
Military Star account on my credit report is showing as a charge off. This account was paid in full.

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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I made a XXXX $ transaction with chase today. I realized the payment I made was to a fradulent person as I lost contact with them right after the transaction was made. I quickly logged into my chase to see if I can stop the transaction and I was happy to see the transaction as pending and not in completed state. So I contacted the bank as asked if they could stop processing the payment. The Chase bank denied and said I'd have to contact XXXX since it was a XXXX payment done through Chase. I tried to contact XXXX and they said if XXXX was used through bank then I should be reaching out to Bank only. 
I am stuck here not knowing whom to contact and how to get the XXXX $ to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These Three company have deliberately had unauthorized inquiry on my credit report, I need to be deleted IMMEDIATELY CAPITAL ONE Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX CAPITAL ONE XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX These are the following dates of unauthorized inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I wish to practice my right as a customer of Chase Bank to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute ( XXXX ) with Chase Bank regarding a financial transaction that caused me significant financial and psychological harm. 

On XX/XX/XXXX, I made a wire transfer in the amount of {$41000.00} USD ( transaction number : XXXX ) for the purchase of a red XXXX XXXX XXXX. The payment was sent to XXXX XXXX XXXX of XXXX XXXX, XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The contact details provided were as follows : phone number XXXX and website XXXX XXXX XXXX. 

However, it came to my attention that the account number to which I made the wire transfer belonged to a different company, which I was unaware of at the time. I expected Chase Bank to exercise due diligence and notify me that the beneficiary account did not match the invoice and was not the intended recipient. Unfortunately, no such notification was provided by Chase Bank and payment was executed without my knowledge or consent. 

When I contacted Chase Bank to request a refund, they have continually refused to give me a refund, claiming that they called me on XX/XX/XXXX to confirm the recipient. I can provide evidence from my call log that proves I never received a call from Chase Bank on that date. This discrepancy raises serious concerns about the accuracy of their claim. 

Please see the attached Photos for my proof of Chase Banks continuous lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  these Creditors have violated my rights. 15 U.S Code 1681 Section 602 A. States I have the right to privacy.15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX XXXX XXXX XXXX ( Duplicate ) XXXX XXXX In accordance with the Fair Credit Reporting Act Convergent these Creditors have violated my rights. 15 U.S Code 1681 Section 602 A. States I have the right to privacy.15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
I went onto XXXX to look for an auto refinance loan. 
Autopay.com was offering me a personal loan quote for my refinance of 3.97 % and a term of 60 months. 
I applied for this loan offer and spoke to Autopay and informed them that I am only interested in a loan at those terms. 
They promised me I had nothing to worry about. 

Later I receive notice from one of there partner lenders that I am being approved for a loan at 8.01 %. I did not apply for any loan at this interest rate. I did not apply for a general refinance loan where the lender would offer me interest rates after a credit inquiry. 
I applied specifically for a loan at 3.97 % and a term of 60 months. 
This hard inquiry has now caused me damages to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Accountnumber:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
This is to notify the CFBP that there is and are at least 2 FTC Cases against LVNV Funding LLC and Resurgent Captial services. For these companies attempting to defraud myself and extort money that was paid in full for reference ID XXXX. I have attached a copy of the FTC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
ON XX/XX/2023, I XXXX XXXX, FILED A COMPLAINT AGAINST " AFFIRM '' VIA THE CFPB PORTAL BECAUSE THEY WERE INACCURATELY REPORTING DEBTS ON MY CREDIT REPORT. FIRST AND FOREMOST IN MY INITIAL COMPLAINT I STATED THAT THE DEBTS WERE CREATED FRAUDULENTLY. I WAS A VICTIM OF AGGRESSIVE IDENTITY THEFT. SECONDLY, THEY WEREN'T REPORTING ACCURATELY AND RESULTED IN " DOUBLE JEOPARDY ''. AFFIRM FAILED TO REPORT TO XXXX THAT THE DEBT WAS SOLD TO " XXXX XXXX XXXX ''. THERE IS A SECTION ON THE CREDIT REPORT FOR THIS. INSTEAD OF EITHER REMOVING ALL OF THEIR TRADELINE 'S FROM MY REPORT OR CHANGING THE BALANCES OWED TO " 0 ''/ SOLD TO ANOTHER COMPANY/LISTING THE COMPANY ; BOTH COMPANIES " XXXX '' AND " XXXX XXXX XXXX XXXX REPORTED THE DEBTS ALLEGEDLY OWED AT THE SAME TIME HURTING MY CREDIT EVEN MORE THAN PREVIOUSLY. I, ALSO TRIED RESOLVING THIS ISSUE OVER THE PHONE AND VIA EMAIL WITH AFFIRM AND TO NO AVAIL THERE ARE STILL TWO OF THEIR TRADELINES INACCURATELY REPORTING TO MY XXXX CREDIT REPORT EVEN AFTER THEY AGREED TO REMOVE THEM. NOW AS OF XX/XX/2023 XXXXAFFIRM IS REPORTING Account number XXXX WITH A BALANCE OF {$390.00} AND Account number XXXX WITH A BALANCE OF {$1300.00} AND THE STATUS REPORTS AS " Collection account/Never late. '' {$1300.00} past due as of XX/XX/2023. THAT ALONE DOESN'T EVEN MAKE SENSE! AFFIRM HAS HAD MANY ATTEMPTS TO FIX SEVERAL ISSUES IN THIS SITUATION AND HAS FAILED TO DO SO. 1. THE ACCOUNTS ARE FRAUDULENT 2. THE REPORTING IS INACCURATE IE : THE STATUS/BALANCE OF THESE ACCOUNTS DO NOT REFLECT THAT THE DEBTS ARE NO LONGER OWED BY AFFIRM. 3. AFFIRM PREVIOUSLY LIED TO THE CFPB STATING THAT ALL ACCOUNTS WOULD BE REMOVED AND THEY WEREN'T. I PLAN TO SEEK LEGAL REMEDY AGAINST AFFIRM IS THIS ISSUE IS NOT RESOLVED IN A TIMELY MANNER. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE, MY FTC AFFIDAVIT, AND A RECENT COPY OF MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation