vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
I was contacted by phone ( and my wife ) on XX/XX/XXXX regarding a past due amount owed to Aspire C.C. They proceeded to inform me I am being sued for an outstanding debt and this call could prevent the lawsuit moving forward. I questioned this debt and validity of the phone and they were able to provide quite a bit of personal info - a bit scary.

I was told that I would be served the lawsuit paperwork if I did not take this last opportunity to settle the amount owed. I caved in ... now I feel I am paying a huge penalty. 
They requested XXXX} on XX/XX/XXXX and continue until the amount due XXXX was settled. After this stressful situation I contacted the credit card company and they had no clue and suggested to contact authorities. I reached out to the collection/law firm per phone number and address - address is a virtual office, property manager does not have the company as a tenant/client. XXXX searches did not yield anything but article for phantom debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
We opened a joint Chase card about a year ago. Immediately upon receiving the card we attempted to register for online access. On day one the mobile phone number ( verification required for access ) was wrong. We called they assured us this was corrected. After numerous calls this never was resolved. As a result I made pay by phone payments which worked. We received the bills, I could call and make payments we never missed a payment and payed more than the amount due. In late XXXX, we moved to XXXX. During this time our regular mail was returned to sender. So when I called Chase to make my payment that month, I was unable to do so until the address was updated. I spoke to a representative who said the address was updated. No bill came. Called the next month and the address was not updated because both XXXX and XXXX were not on the phone to update the address. At the time we were in flux moving from XXXX  to XXXX  so XXXX was living and working in XXXX, XXXX in XXXX. This continued until XX/XX/XXXX. Each month, the same thing XXXX would call to make a payment, they refused to update the address, so payment could not be made. 

We took to sending in written requests, thinking that would help. NOPE! 

In fact they have been sent 3 different DO NOT CALL ONLY MAIL demands. NONE of these demands have been met. They call after XXXX almost daily. They have even taken to calling our adult daughter the XXXX number. Again, they have been asked by her and her husband to stop calling and to stop calling after XXXX waiting their infant up. 

This madness has got to stop! We are more than happy to make the monthly payments, we are just tired to begging monthly for a statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today is XX/XX/2023 On the Experian credit report it states I'm 30 days late! 
My grace period is the XXXX of every month, I have until the XXXX of every month to not be 30 days late! 
XXXX XXXXXXXX XXXX XXXX XXXX has already charged me 30 days late today!!!!

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 2023-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was contacted by a company called XXXX XXXX XXXX about {$340.00} debt which was transferred by XXXX XXXX. 
Creditor name is XXXX. 

I used XXXX more than 10 years. If any payment issue, it always goes to my bank and credit card company. 

It is typical fraud. 

XXXX  steal my information from my old credit report 5-10 years ago, the only one I had for collection was {$340.00} from XXXX XXXX  , which was resolved back in XXXX. Disputed from XXXX. The account was closed ( XXXX XXXX charged {$200.00} for equipment, but I already returned their equipment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the presence of old addresses on my credit report. I have recently obtained a copy of my credit report and have noticed that several outdated addresses are listed. 

I am concerned that these outdated addresses could be negatively affecting my credit score and could potentially be used for fraudulent purposes. I have not lived at these addresses for several years and request that they be removed from my credit report immediately. 

I understand that the presence of outdated addresses on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ) and could result in inaccurate reporting. I request that you investigate this matter and remove all outdated addresses from my credit report. 

Please provide me with written confirmation of the removal of these outdated addresses from my credit report. I appreciate your attention to this matter and look forward to hearing from you soon. 
XXXX XXXX XXXX XXXX XXXX is the only address Sincerely, XXXX XXXX ll

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MA

Complaint narrative:
I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : ( XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), ( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$480.00} ) These accounts were never late, and I request the removal of the late payment from my credit report. 

( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$720.00} ), ( XXXX  Account # : XXXX, Date Opened : XXXX Balance : {$1500.00} ), ( XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX Account # : XXXX, Date Opened : XXXX Balance : {$660.00} ), ( XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ). 

These accounts are not mine, and I request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-21 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: AL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inquiries from Credit Report in accordance with the Fair Credit Reporting Act ( FCRA ) Dear Equifax XXXX XXXX, I hope this letter finds you well. I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and request the removal of certain inquiries from my credit report. After conducting a comprehensive review of my credit history, I have identified inquiries that I believe are no longer relevant or valid. 

As a consumer, I understand that inquiries can have an impact on my credit score and typically remain on my credit report for a specified period. However, I firmly believe that the following inquiries attached to this letter should no longer be listed : In accordance with the FCRA, I kindly request that Equifax conduct a thorough investigation into these inquiries and, if appropriate, remove them from my credit report. I have enclosed supporting documentation, such as cancellation letters, account closure confirmations, or any other relevant proof, to substantiate my claim that these inquiries are no longer valid. 

I understand that Equifax has an obligation to ensure the accuracy and fairness of credit reporting. It is essential that my credit report accurately reflects my creditworthiness and financial interactions. Therefore, I kindly request your prompt attention to this matter and a diligent review of the disputed inquiries. 

In accordance with the FCRA, I request that you provide me with a written explanation of the results of your investigation, along with an updated copy of my credit report reflecting the removal of the disputed inquiries. Additionally, I kindly ask that you notify any creditors who have accessed my report within the past six months of the corrections made to ensure the accuracy of their records. 

I trust that Equifax will handle this request in compliance with the FCRA, treating my case with the utmost professionalism and attention it deserves. I appreciate your commitment to fairness and accuracy in credit reporting and anticipate a swift resolution to this matter. 

Thank you for your prompt attention to this request. I look forward to a favorable resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: GA

Complaint narrative:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. The lender indicated to me that missed payments will cause my interest rate to be higher. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 90 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
My husband had a medical bill and I thought it was paid when we sold our home with the closing costs. DCI of North Dakota hired an attorney and they cleared out my whole bank account yesterday. I tried to speak with them but she would not listen to me. She told me it was my problem not hers. I drive 500 miles a week for work and that was the living money they took. Now we do not have a dime to our names. She was very rude and I do not know what to do. I am to the point of selling everything we have to get to the next payday since my husband is laid off and we do not know if he will get unemployment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: Resurgent Capital Services L.P.
State: PR

Complaint narrative:
Improper use of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Opened checking and saving priority account and got blocked due to possible fraud and saying I have violated an agreement and all account including credit card will be shut down. All funding was transferred from my own US accredited bank so shouldnt have been an issue ( XXXX  and XXXX  ). Have been using XXXX  to pay off my credit card for years! Been contacting citi weekly since mid XXXX to get issue resolved. Been over a month and very little progress has been made. Contacting via phone and email has been useless. Lots of unanswered email and almost always no one pick up when I call back on the number they left on voicemail. After a month of unnecessary investigation finally unlocked checking account but still block online access so cant put money into saving account. The only reason an account was open was because of the 4.3 % interest rate that was promised. I am tired of having my own money held hostage.

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 2023-06-21 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: MD

Complaint narrative:
I received a {$2000.00} transfer through PayPal and then transferred the {$2000.00} to a friend who indicated that she needed it. She resolved her financial issue and went to send it back to me when she found that PayPal had put a 21-day hold on the funds because of '' increased activity ''. Whose, mine or hers? And hw much activity is too much? 

She has called PayPal customer service several times to ascertain why the hold has been placed and no reason could be provided. After making several calls she got a PayPal supervisor who advised her that the funds were available. When she went to link her PayPal and her bank card to the account to put the funds inti her XXXX XXXX XXXX account, the card ( s ) would not be accepted. From a major financial institution, why not? Again no explanation was provided, so more calls were made to PayPal with no resolution. 

She asked them to return the funds to me, which they said they could not once the transfer had been made even though the funds are 100 % with PayPal and can not be accessed. 

In addition they assessed a heavy fee of {$59.00} for the transfer which was not disclosed when I initiated the transfer. It only appeared on the receipt of the recipient. ( See the attached screenshots ) I am attaching the receipts from PayPal regarding this transaction. 
Their complete lack if transparency explaining their funds hold prior to initiating the transfer is not acceptable. If they couldn't transfer the funds once I initiated the transfer they should have said the this specific transfer is subject to a 21 day hold and would I still want to complete the transfer, not place the hold on the funds AFTER THE TRANSFER. 

I want PayPal to be held accountable for fees and information about holds inly after the transfer is initiated. If there was " increased activity '' then this should have been disclosed to me prior to initiating the transfer to allow me to decide if i want the funds held for up yo 21 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I had a card from first genesis ( 12 genesis fs card services ). This card was stolen in 2021 I asked for a replacement card one two occasions and no new card was sent.Be cause this card had no balance and I never received a card I then acalled them and asked them to close the account.now they are putting that I owe XXXX dollars that I never spent or had awareness of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: OH

Complaint narrative:
On XX/XX/2023, I sent flagship credit acceptance a letter and they sent it back with a stamp on the envelope saying in dispute. Today XX/XX/2023 I woke up and my car was repossessed. They never sent me a letter or tried to contact me at all. They zeroed out my account then changed it to a chargeoff online. They did an illegal repo and I want to my car back. They are telling me I have to pay {$6600.00}. to retrieve my vehicle. I have sent them countless letters for payment, and I have sent them a recission letter that they brushed off saying that they don't agree with. On XXXX XXXX, I sent them a recission letter which they denied to honor. XXXX XXXX XXXX never responded to my recission letter.

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 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, Upgrade.com tried to take my monthly payment out of my account. It failed. On the XXXX, they electronically tried again. It posted. On the XXXX, they electronically did so again. It posted as well. So I missed one payment, and they took two as soon as I got paid. 

I chatted with them, they said that I made one payment which I did not. I forgot cause I'm scatterbrained, hence auto pay. They will refund it up to 14 days. I do not have the money needed now to pay my rent. 

You get a personal loan for help, you miss a payment and they smack you on EACH CHEEK for doing so. Then tell you that you have to wait half a month for your money back and never address truly what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint in regards to the company Onemain financial. I signed a fraudulent contract on XXXX XXXX with a finance balance of { {$3000.00} }. Which is at 29.97 % .Since then I have paid a total of { {$730.00} } and as of today XXXX XXXX my balance has only decreased by { {$190.00} }. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. Also I reached out to them on multiple occasions through mail and phone and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and this company 's only response is that its from interest.This is fraud!! The total amount of interest paid to date is { {$540.00} } which is unfair but not even that only { {$190.00} } was put towards principal why hasn't the payments been applied to the principal balance that on a loan of { {$3000.00} } at 29.97 % .Onemain Financial is still saying I owe a sum of { {$2800.00} } .this is malicious and deceptive practices. OneMain financial is also also reporting inaccurate data which has effected my credibility, creditworthiness and reputation.Which is fraud? Please see the attached statements and current statements.

Company response to consumer: Closed with explanation