vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I have 2 accounts with Credit Collection Services one is from XXXX ( # XXXX ) in the amount of {$300.00} and the other is XXXX ( # XXXX ) for {$190.00}. I have paid both of the debts in full and requested a goodwill deletion. They are however telling me that they do not do deletion just because you pay a balance. However I am working with XXXX XXXX to get my credit fixed for a mortgage and they told me that they get deletion letters everyday from this company that have deleted the account after payment but they will not do it for me. I have proof that they do in fact delete after a payment has been made so I am being treated differently than others and being discriminated against for some reason by them refusing to do the same for my accounts I would like these two reports to be removed from my credit because I have paid them in full just like they do and did with other consumers. I will attach proof that they do indeed delete reports from credit after a payment is made. But again they refuse to do it for me. This image I will attach is just from last week and was a recent client of XXXX XXXX who got the company to send a deletion letter because he paid his account in full which I have also. My credit advisor says he receives deletion letters from ccs all the time but they are refusing to treat me the same way as the person in the attached file and delete mine as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U S C 1681 Section 602 A States I have 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 7 years.

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 2023-04-05 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U S C 1681 Section 602 A States I have 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 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a mortgage through XXXX XXXXXXXX Mortgage. Last year ( XXXX ) was my first full year with the loan. On about XXXX of XXXX, I received a supplemental check from my escrow account in the amount of {$3700.00}. It came just in time to pay off my supplemental tax bill. 

By XXXX ( XXXX ), I got a letter with my mortgage statement stating there was a {$3700.00} deficit in my escrow account. Because of the deficit, they caused by sending a supplemental check, they added {$600.00} per month to my mortgage payment. I'm already paying {$5000.00} per month, another {$600.00} per month will break me financially. 

When I do the math, {$600.00} per month at the end of the year is {$7200.00}. If they are short {$3700.00}, why are they charging me almost double to recover the deficit? 

In XXXX, I called and spoke to a customer service representative from XXXX XXXXXXXX Mortgage. I stated I wanted to take over my impound account and I will continue to pay them their principle and interest only. I was directed to write a letter to the administration building in New Jersey, explaining my concerns, which I did. 

My response came in late XXXX ( XXXX ) stating my request to take over my impound account was denied. I again called customer service from XXXX XXXX Mortgage to ask why I was denied when they are still getting their principle and interest. The representative told me my mortgage was sold to an investor, J.P. Morgan Chase, trust. They are the ones who are denying my request because the original loan contract had an impound account. 

I have spoken to many loan agents who work in the field of mortgages, and they all said this is a common request to take over your own impound account. They couldn't give me a reasonable answer as to why I was denied. Also, the consensus was that adding {$600.00} per month to my mortgage payment, was extremely high. 

I simply don't trust them handling my impound account. Please help me before I slowly lose everything because of their mismanagement of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo I have a inherited IRA. I want to transfer it to XXXX. Wells Fargo requires a bank statement along with the form from XXXX in order to permit the transfer. However, Wells Fargo only will create a statement in XXXX and XXXX. There are no other remedies, they wont make me a statement even for this purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting on my credit report at Transunion i have and account with them from 2017 as an authorized user. i do not have and account with them.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Some time before XX/XX/2022, I bought 2 bras from XXXX XXXX using their XXXX XXXX  issued charge card. I paid them 1 month late for the bras as I was considering returning them for poor quality. They charged me late fees through XX/XX/2022, of which I paid ONE, given that I was one month late on the payment. They continued to accrue charges until XX/XX/2022, then charged off the debt and sold it to Midland Credit Management. In previous discussions with XXXX XXXX I explained that I paid them all that was due. They would not negotiate and the debt is now {$450.00}, all of which is bogus late and other fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Processing Services, LLC
State: CO

Complaint narrative:
XX/XX/ {$380.00} Called relatives about a pending legal matter with a case number and that I needed to call back immediately. 
They called me and left a message. 3 different numbers, one private number. 
They know where I live, and work and will be filing charges against me within 24-48 hours. The caller also stated that they demand a face-to-face interaction, will go to my place of employment ( on VM which is saved ) and will talk to my supervisor, and will visit my home. 
If I paid {$380.00}, they would consider the debt a " charge off. '' Even if I had a debt, it would have occurred in Michigan over 12 years ago. I have lived in Colorado since. Both states ' statute of limitations of 6 years has been met. 
I called 2 of the numbers. Same office, same questions & answers. Both asked for my SSN and DOB. I refused to give either. Said they couldn't release information without those numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XXXX sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: FL

Complaint narrative:
In Florida, Credit Card Debt Court Judicial Order stays 20 years with added fees, taxes and interest annually. Even when the Circuit Small Claims Court Action criminally violates Social Security Retiree and Disabled War Veteran Federally Protected from collections benefits which the Judge may verbally dismiss. Attempts to remedy by contacting attorneys, and Florida State Officials including the Attorney General as Florida Law also forbids actions against these fixed incomes meets with terminal despondency. 

I logged the complaint with The United States Department Of Just a number of times seeking enforcement of Federally Protected Social Security Retirement and Veteran AdministrationXXXX XXXX XXXX XXXX XXXX XXXX XXXX I survive on since XX/XX/2010. Single, age XXXX with no savings account living month to month. But the Department Of Justice failed to respond I supplied the Court with documented proof of Social Security and XXXX War Veteran XXXX Benefits that she verbally dismissed in XXXX Court Appearance threating me as a Defendant as a typical default " No Show '' waiving any and all defense ruling for the Plaintiff systematically. in Florida 's XXXX XXXX XXXX XXXX XXXX XXXX. Then came Final Order ruling a debt collectable for 20 years with accumulating fees levied against exempt income willfully and wrongfully that nobody I contact, to date, assists me in remedy. I remind them I am a 100 % rated VA XXXX XXXX XXXX XXXX  and all of this complicates and compounds my XXXX XXXX  defeating my regular XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which is always ignored contacting a malpractice law firm attorney to bring action only ended up with " you have no case ''. My credit rating was maintained at XXXX when Discover Credit Card  refused me twice on a debt consolidation loan which caused the crashing of my credit rating and default. There are two ends to any credit agreement yet for more than five years and all litigation Discover and the Circuit Court only support one and roil over me. 

Discover Credit Card has stalked me for going on five years unlike other credit card banks they staff a field of collections attorneys nationally and pursue greater profit yields for investors by singling out weak credit accounts then pursue civil litigation against the card holder, menacing unrelentingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, My husband and I called M & T Bank advising to inquire about options for families impacted by covid. The first representative very blatantly lied when we asked her what Covid options were available. The representative rudely told us that there were no options available for us. I checked the mail and received a notice from M & T Bank. I called back immediately on the same day. ( XX/XX/30 ). I told the young lady that we'd called early and the person on the phone told me that no COVID options were available for me. The new representative apologized and stated that she found no options. We asked the new rep what options were available, and she stated that Covid options had ended earlier in the month. ( XX/XX/XXXX, I believe ). We went through a financial interview so they could provide us with a package to see what options were available to us. It was a detailed interview as she inquired about several of my credit accounts. She offered no such COVID options. When we called today to make a payment, we were informed that we could only make a payment for two months and that they could only take the two months if we could tell them when they'd receive the 3rd payment. We went through a series of questions. The young lady today mentioned to us that we had covid options available. 

While I can not be sure, this feels like XXXXXXXX XXXX. We do not have a recent history of non-payment and did not take any concessions during the height of the pandemic. The first two reps discounted what we told them. The 3rd representative attempted to counsel us through a process for repayment despite us telling her we were not unemployed ; we'd just experienced a bout with 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 2023-04-05 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: CA

Complaint narrative:
The account " XXXX '' XXXX is a fraudulent account so I disputed it with the bureaus Transunion and XXXX multiple times. 

These bureaus claim they have verified the information is accurate, however one can see by looking at the reports this is not true as the " date opened '' information is conflicting. 

The " high balance '' is also conflicting The " date of last activity '' is also conflicting, so there is no way possible both bureaus verified the information as accurate. 

See a recent copy of my credit report reflecting these inaccuracies attached. 

To add insult to injury, I have submitted a copy of my identity theft report ( attached ) to these bureaus twice and they still report the erroneous fraudulent information.

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 2023-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX showing on my credit report but was paid i fax and sent certified mail to have remove and they will not this is a violation

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 2023-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: KS

Complaint narrative:
A week or so ago I received a letter in the mail stating I owed XXXX XXXX  {$860.00}, from clear back in XXXX or XXXX. As I do recall having XXXX XXXX  as a provider, I do physically remember sending back my phone in a package after switching providers. I switched because I had terrible experiences with them, and this is just making it worse.

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 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I just i had a notification about a credit card inquiry that I didnt do, it was from bank of American today XX/XX/2023, this aplicacin wasnt mine, and will hurt my credit because its a hard inquiry on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have reached out to Chase and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears Chase had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reported to the 3 credit reporting agencies that a debt by the XXXX XXXX XXXX had canceled my debt with them. The agencies are not removing this from my credit reports. I believe it should be. Please help

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 2023-04-05 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.

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 2023-04-05 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Netspend Corporation
State: KS

Complaint narrative:
Last week Western Union Netspend blocked online access to my account and directed me to contact them by telephone. The account number is XXXX and the associated debit card account number is XXXX. 

I requested WU Netspend explain why my account was blocked and restore access. They have not provided the feedback and support I requested. 

I informed WU Netspend : - I have XXXX which don't allow me to speak over a phone or manually operate a phone. 
-I can't use FCC relay services because I can't use my hands to operate a phone or use my voice to relay messages. 
- I can communicate via online chat, I can send and receive text messages and I can communicate via WU Netspend 's message service.

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