vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
XXXX with the National Service Bureau has contacted my husband 's telephone for the second time, XX/XX/XXXX at approx XXXX pm about a debt owed for an insurance auto claim. he claimed that I was not insure when in fact I am, and an attempt to collect a debt that is not real or legal to collect as I am insured, and not at fault in any accident. 

He threatened to have my license revoked by the DMV for nonpayment, claimed he was not beholden to the FDCPA, refused to put my husband 's number on the do not call list and was extremely threatening and hostile. I also requested that he mail out documentation of the debt which he refused to provide staying that he didn't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: KY

Complaint narrative:
I look at a copy of my credit report and seen a few inquiries I'm unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/2021 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 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Due to medical and financial hardships and losing work during the pandemic, I fell further behind in my mortgage with my former lender XXXX XXXX I was on a foreberance plan and my first payment after the foreberance was going to be {$2400.00}, due XX/XX/2022. In XX/XX/2022, I began getting strange letters from a company called Selene Finance saying they were now my mortgage company. I received letters from Selene almost weekly with different instructions, information, etc. I called and spoke to a Selene Financial representative and asked for the meaning of the letters I received, I was told this company was now the mortgage company I should pay my mortgage to. them. I was about to make my first payment for XX/XX/2022 to Selene, and then I started receiving letters saying I had to pay {$3300.00} ( approx ) Selene also raised my interest rate, and the principal balance. I tried consistently and over and over again with various representatives sending my agreement/forbearance/modification with XXXX and although all the representatives I spoke to said Selene would honor my work out with XXXX, they did not. Selene told me to apply for a modification with them, and when I did, they came back with again a higher interest rate, higher principle balance and a monthly payment in the amount of {$4200.00}. Selene has not honored my terms with XXXX, I have no explanation as to why, they will not honor my terms from XXXX and how can they change my interest rate? Selene Finance seems like a mortgage company that is not reputable nor do they care about the transferred/sold clients they have in their portfolio. 

Have tried to load supporting documents keep saying file too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been a consumer client of XXXX XXXX since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

XXXX XXXX is violating my consumer rights by reporting inaccurate data on my XXXX and Equifax consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to XXXX XXXX in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and Equifax XXXX XXXX if reporting my late for those two months. 

I have sent over the statements to XXXX XXXX as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and XXXX XXXX fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXX XXXX  statements to this complaint. Thank you and have a good day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, Im contacting you regarding an international business wire that I had sent over to my vendor 3 months ago which has not been released yet. I used my small business account through Capital One bank to process the wire, and apparently they use XXXX as an intermediary bank because XXXX tracker shows that the wire is stuck at XXXX. I was able to obtain XXXX tracking info from my vendor 's bank in overseas. 

On XX/XX/XXXX, I sent 3 identical wires in the mount of {$71000.00}. On XX/XX/XXXX, the first wire went through but not the remaining two. After my conversation with Capital One rep, second wire was released on XX/XX/XXXX, but not the third one. 

I have been calling the wire department everyday for 3 months, and spending hours trying to explain the situation but I keep getting the same response of We are investigating it. 
This is not acceptable as my vendor has been charging me late payment fees and has threatened to stop doing business with us. 

I would appreciate it a lot if you can help with this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I spoke with Elevate Recoveries XXXX XXXX XXXX phone number XXXX - I want to report that this debt was originally on my report from a XXXX XXXX  and when I reached out to the company and also reported them to the XXXX  the debt is now showing up under this different company that I mentioned before. This company has not validated or verified the validity of the debt. They did not have any correct info on file regarding the debt. they only had my name and date of birth. 
they had an incorrect phone number and address. I want this debt removed from my credit report until documents are provided validating and verifying this debt that I am contracted to pay Elevate Recoveries and or XXXX XXXX XXXX. I do not have any business with these companies I did not contract with them or receive any services from them therefore they should not be on my credit report. In speaking to XXXX I was not able to get too far as she only wanted to talk over me and place me on mute then she hung up on me. When I adv her they should not be on my credit report without validating and verifying the debt she states they don't have to they can put whatever they want on my credit report with incorrect information. She also states that nationwide recovery is not their company yet the info appears on my report along with theirs. I feel that I am being violated. the accts are as follows. **XXXX  ACCT NUMBER XXXX Original acct number XXXX DATE OF SERVICE Elevate Recoveries , LLC XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX  Serving XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Email this XXXX  ( XXXX ) XXXX Privacy - Terms XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX File Complaint against Elevate Recoveries , LLC | XXXX XXXX XXXX https : XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX *** **XXXX  ACCT NUMBER - XXXX ORIGINAL ACCT NUMBER XXXX amount {$980.00} date of service - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX Lastly info appearing on my rpt is conflt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX credit reporting agency has been incorrectly reporting my credit borrowing and repayments records. 
Experian is the only one of the three commonly used reporting agencies that published my credit score XXXX points lower than the other two. 
I had been denied loans and credits cards even from a bank that I have been doing business with for year. One that I had two loans with and a credit card, with no history of late payments in the five plus years on the lives of the loans. 
Due to the significant difference in my credit rating from Experian, I had been denied other cards and only approved for ones with very high interest rates. 

Apparently, you must join their Experian credit 'Boost ' program before they might correct it.

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 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IA

Complaint narrative:
Deposited funds into my cashapp account just fine and i wanted to send the money to a relative but they locked my account asking me to verify with my id just to do this which im not comfortable with & they arent allowing me to withdraw my own funds from my cashapp account. ( {$990.00} ) not a small amount of money but im not providing cashapp with my ID. i want to withdraw my cash to my bank account and never touch cashapp again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NH

Complaint narrative:
I have been trying to open a short sale on my property since XX/XX/2022. I am been put through a loan modification process that is denied? Since XXXX I have been calling and emailing 100 's of times to see what is going on? Now the bank is saying in another denial - Your loan on the related property has received the maximum number of foreclosure alternative options that are permitted by the assignee or mortgage owner of your loan. They have not allowed any? We will go to foreclosure as they are not willing to help. We have a buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to Santander Response of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. Santander is simply abusing with their power and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: PR

Complaint narrative:
See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to XXXX XXXX of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. XXXX is simply abusing with their power and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through PayPal for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through PayPal on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from PayPal that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted PayPal, they provided the information that the payment was made through a charge card with XXXX XXXX bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with PayPal, they said it is an external issue with XXXX XXXX. XXXX XXXX says it is an issue with PayPal. Neither has any interest in resolving this. In the meantime, PayPal has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 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: PR

Complaint narrative:
I want Trans Union and XXXX to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.

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 2022-07-28 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: FL

Complaint narrative:
I sent a letter off on XX/XX/2022 and also tried to dispute it via website. Here is the tracking # 's XXXX, & XXXX remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681 I have the right to privacy. Also according to 15 U.S.C 6802. No financial institution is not allowed to share my information to a third party. 

These are clear violations of my federally protected consumer rights. 

I also completed completed a identity theft.gov complaint. Confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opend an acct with citi as they advertised that If I opened an acct with {$5000.00} and leave it there for 60 days I would receive an incentive of {$200.00} I opened on XX/XX/XXXX after XXXX XXXX I Called XX/XX/XXXX the agent I spoke with confirmed that I would get the incentive, he was not sue about when That would take place. 

I called on XX/XX/XXXX Spoke with an agent who put me on hold XXXX she then infomred me I would get teh incentive I would need to leave the money there until " XXXX '' I asked to speak with a XXXX. 

A lady came on she also put me on hold and returned to tell me I would not get the incentive as " it's for chekcing only ''

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2022 my car was repossessed and that day I made a payment of {$2800.00} to get my car back. On XX/XX/2022 a chargeback was filed for the transaction with my bank ( chase ) without my permission and then the chargeback was denied the next day. The loan company, XXXX XXXX XXXX, still shows on my account that the payment was reversed and they are now threatening to take my car away. I never received the funds back and neither has the bank. I have spoken to both XXXX XXXX XXXX and Chase countless times and neither of them state that they have the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Keep revolving throughout different collection agencies with harassing and threatening calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
Keep revolving throughout different collection agencies with harassing and threatening calls!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
Trying to collect a debt that my health care provider pays for!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX SC XXXX ) # XXXX has violated my rights. 

( Original Creditor : ) # XXXX has violated my rights. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I returned the call to discuss. They gave incorrect amount and dates to claim debt is current. I told them it was over 10 years old and uncollectible. They I sister they had the right to sue and stated incorrect information on time limitations for state of Nevada. They refused to let me respond, told me they were going to get a judgement 'next week ' to seize my assets and then hung up. I called back and the woman yelled at me and then hung up again saying she did not have to talk to me or explain or listen to my updated personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express uses very confusing wording in his promotion letter to lure customer sign up a credit card. The letter is saying that after a customer spending {$2000.00}, s/he will be earning XXXX points, which can be used toward up to {$150.00} in rewards as gift cards. After I have done all the requirements, I got my XXXX points, but XXXX points only enough to redeem for {$100.00} gift cards. I have contacted customer service, and they just kept lying that it " only '' for " selected '' merchants, but can not show me 1 single merchant gift card is worth {$150.00} with XXXX redeeming points. 

This is telling a customer you can use XXXX to redeem a {$150.00} gift card, but such gift card does not exsit.

Company response to consumer: Closed with explanation