vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I had an account with XXXX for many years, it had been enrolled in autopay and my XXXX XXXX card was charged on XXXX, of each month for the current billing cycle. ( XXXX uses a " Billed Current Cycle '' ) The bill is due XXXX  day before the end of the current cycle, the last auto payment was made on XX/XX/XXXX. This was intended to cover the entirety of that billing cycle ( XX/XX/XXXX ). I transitioned service to XXXX effective XX/XX/XXXX. Consequently, my account with XXXX was canceled. 

I recieved a bill in XXXX for the XXXX billing cycle which I ignored as I wasnt their customer anymore, I figured it must have been sent out in error, when I recieved another letter in XXXX stating that I was now late, I reached out to XXXX for clarification on this erroneous charge. I was then informed that because my account was cancelled they couldnt help me and I needed to speak with " XXXX Customer Relations '', when I asked for a number I was told they dont have XXXX, when I requested an email I was informed that the only way to communicate with them was via XXXXXXXX XXXX 

I sent them a letter on XX/XX/XXXX he letter I sent to XXXX making my case on asking why am I being charged this must be a mistake as this is for the month past cancelation, I asked they either remove the charge or explain why they are charging me. 

Their response on XX/XX/XXXX didnt provide any explanation rather they wrote that due to not having paid they were sending it to collections. 

I opened a dispute with all the XXXX credit bureas providing the following documentation : - My XXXX XXXX statement and last auto payment on XX/XX/XXXX. 
- My service beginning with XXXX on XX/XX/XXXX which effectively cancelled my XXXX service. 
- My letter to XXXX presenting my case on XX/XX/XXXX and requesting clarifiaction. 
-And lastly their response ( not addressing my points ) on XX/XX/XXXX. 

XXXX and XXXX have subsequently removed this erroneous collection from my record. XXXX still has it on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
I recognize that there are hard inquiries that I do not recognize and did not authorize. I have attached my FTC report for documentation.

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 2024-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: eMoneyUSA Holdings, LLC
State: WI

Complaint narrative:
I sent a letter stating I no longer authorize automatic payments as a third party was to take over and make payments for me. emoneyusa contacted me and told me that they do not work with third parties and if I was to do that option they would report my loan as defaulted on my credit report and in collections. After numerous emails threatening me to pay I arranged a payment plan with them. The payment plan was XXXX payments of {$94.00} at an interest rate of 100 %. I later got an email stating that the percentage was decreased to 200 %. I emailed and said to provide me with the remaining balance and not to use the account on file as it was being closed. They continued to do an ACH twice after there were told not to. Finally I spoke to an individual and asked for documentation for the payment plan and interest rate. The response I received was " I do not have any paperwork to give, everything is online since we are an online loan company.. You can see the payments, The interest rate was lowered and you were placed on a payment plan. iF you wish to save the account from collections please call customer service at XXXX, if no payment or arrangement is made then the account will move to collections. '' I am now speaking to their collections department and asked for the same thing, they sent me a screen shot of payments and the interest rate on top. I am continuing to speak to emoneyusa via email and arranging payment with the remaining balance to clear this mater up. I then recieve a text message from this company stating " XXXX, I've received the ok from management to cut your loan payment in half. Nothing is due today. Reply ASAP by text or phone to set this up before this offer expires. XXXX collection 's supervisor eMoneyUSA ''. I replied back and said yes lets set it up. The reply I get back is " XXXX your eMoneyUSA account has been forwarded to my office for a final recommendation to proceed with further action on your account due to a breach of legal binding contract. Ad of today balances at default is {$770.00} I can freeze your interest so that all payments get applied directly to the balance. Here are a couple of options that might help you : Option 1 : settlement of {$650.00} with a credit removal or Option 2 : Balance in payments of {$110.00} biweekly. Which options works best for you? '' I continue to get different answers and different options from eMoneyUSA and are continuing harassing me. I am trying to resolve this debt but feel I am being lied to and not following through on a previous arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On or about XX/XX/year> I was able to add {$10.00} to my Venmo balance from my verified XXXX bank account. 

Attempts to add more money to my Venmo balance from the same verified XXXX XXXX account have failed with the " We can't add your money '' error. Venmo support doesn't know the reason, can't override it, and can't tell me when it will be fixed. All they say is that " the system '' blocked my request and no one can override the system. 

The Venmo product is useless to me if I can't add money to my Venmo balance from my bank account ( s ).

I thought I might fix the problem by removing my verified bank accounts and bank debit card and then adding them back. 

On XX/XX/year>, when I tried to add back my XXXX bank account, I got the " something went wrong error. '' Support escalated the issue. 

Venmo needs to remove whatever condition ( s ) are preventing me from adding bank accounts and from using the Add Money function to fund my Venmo balance from verified bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX XXXX Account Number : 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NE

Complaint narrative:
I switched to XXXX XXXX on XX/XX/XXXX - on this date I also contacted XXXX to let them know to cancel my service which is month to month and I had just prepaid for the month of XXXX. I did request to be refunded the prepaid amount for XXXX and the representative said I would receive my payment back. I again called XXXX on XX/XX/XXXX to confirm my service was cancelled and the representative said yes they show I had called and cancelled and my refund would be sent back to me. I still had not received my refund by the end of the month. I contacted my back, XXXX XXXX XXXX XXXX XXXX and filed a dispute to get my refund and they filed and dispute and got my refund. I never got another bill from XXXX until XX/XX/XXXX. I wrote XXXX a letter and then I got a bill in XX/XX/XXXX and then it was turned over to XXXX XXXX XXXX and I sent a dispute to them on XX/XX/XXXX with all of my documents. Then it was sent to Credit Control LLC Debt Collectors as of XX/XX/XXXX and I filed another dispute. I have spoke with XXXX there on XX/XX/XXXX and XX/XX/XXXX and she said I need to wait for XXXX to send me copies of the bills. I can not access anything on XXXX since it says there is no account for me. I can not have 2 companies for my cell phone and XXXX is changing debt collectors and if they want to go to court I am fine with this. It is effecting my credit when I had excellent credit and have always paid my bills on time for all of my bills.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I saw my credit report and was disappointed because there were inaccurate accounts on it. Please check the documents I've sent regarding this serious matter.

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I saw my credit report and was disappointed because there were inaccurate accounts on it. Please check the documents I've sent regarding this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
Recently review my credit I have an incorrect element this is damaging my ability to have credit please review this account 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 non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This account was closed on the following date : XX/XX/XXXX. Since then the date of last reported has been inconsistently updating my credit report the date last reported is ( XX/XX/XXXX ) on Transunion and also XXXX. It's reporting ( XX/XX/XXXX ) on XXXX. If the information is coming from the original creditor all of the information should be reporting the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Transunion, XXXX and XXXX has failed to investigate this account so I would like this account deleted immediately. 
Account name : XXXX Account number : 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 2024-07-18 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My credit report is showing a collections, from Midland Credit Management XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I am still disappointed with my credit report because it shows multiple inquiries that were placed on my credit report. Please check the documents I've sent regarding this matter.

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 2024-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was contacted by a scam entity via XXXX for work using my phone for a company posing as of XXXX XXXX. This was a scam and I used money from my checking account ending in XXXX with Capital One Bank. I transferred money using my bank account linked to XXXX XXXX to move funds for this scam company. The dates I transferred money and amounts are as follows : XX/XX/XXXX for {$170.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$400.00} & finally on XX/XX/XXXX for {$100.00}. All totaling {$850.00}. 

I reached out to Capital One Bank by phone and emailed them to start the dispute because the money was transferred to a scam entity. I have provided evidence and supporting documentation. I was provided with case # XXXX and they did not approve my dispute and removed the funds on XX/XX/XXXX from my account. On XX/XX/XXXX, I called after I received an email from Capital One again denying my appeal ( escalation case # XXXX ) and would not change their decision of not issuing a permanent credit of {$850.00} to my accounting ending in XXXX. 

I reached out to XXXX XXXX customer support and they could not help me in refunding the {$850.00}. I also reached out by email to the XXXX XXXX XXXX on XX/XX/XXXX and they could not assist with this scam.

Company response to consumer: Closed with explanation