vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been paying for the Credit monitoring service with XXXX since XX/XX/2020, and I havent been able to update my report when XXXX. I called them they tell me to call them back because the system has to make the correction and update, but theres no correction it still doesnt work .There are accounts on XXXX and Experian that are not showing on my credit.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Capital One Quicksilver card that have attempted several times to increase the credit limit on. First, Capital One said I didn't qualify for a credit limit increase due to my account carrying a balance from month-to-month, and allegedly I was not making sufficient monthly payments ( despite my payments always being in excess of the minimum ). To remedy this issue, I ensured that my account did not have a carryover balance from month-to-month. I recently applied for a credit limit increase again, and this time I was told I didn't qualify because I don't keep enough of a balance on my card. 

When I tried to call a Capital One rep for an explanation, I was told that there is no one that works for Capital One that can explain further the reasons for the denials, and that my only source for additional information was Capital One 's general blog. 

I don't understand what is happening and can not get a clear answer from Capital One. This is the second Capital One card that I have had, and each time Capital One has been unwilling to consider me for credit limit increases, while only providing boiler-plate and generic denial reasons. I closed the other account because after several years with Capital One, the company would not increase my credit limit beyond a {$6900.00} limit. Now, Capital One will similarly not increase my Quicksilver card, which requires good credit to qualify for in the first place, beyond a {$3800.00} limit. I am attempting to build by credit status as a young adult, and so I routinely ask my credit card companies for credit line increases roughly ever 6 months. I have a good credit score, no delinquent balances or adverse credit information, and my income ( which I regularly update with Capital One ) relative to my expenses is more than sufficient to cover any balance for the credit card. However, I keep being denied by Capital One for general reasons. I am starting to wonder if the denials are a pretext for denying me due to my demographic status. I have spoken with friends that are White and similarly have a Quicksilver card, and they do not seem to have issues receiving periodic and substantial credit limit increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  XXXX Balance Owed : {$6600.00} XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy Discharged XXXX Chapter XXXX Bankruptcy Dismissed XXXX These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2021-02-23 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 51 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored. Section 611 ( a ), 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 51 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 impacted by the Equifax data breach and may have got into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUND is claiming that I owe them {$590.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sent a procedure request to Equifax for an alleged bankruptcy. They were to ( by federal law ) provide me with the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) UNDER THE LAWS OF THE FCRA I HAVE A RIGHT to a " description of the procedures '' used to determine the accuracy and completeness of the disputed information. 

WHICH I CLEARY WAS DENIED THE RIGHT TO DO SO by Equifax. This is a serious violation of the FCRA and a error within Equifax 's dispute process. This is a very serious matter ... The response I received from Equifax definitely is not constitutional or in accordance with " The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) '' I sent this letter through certified mail to ensure a response which I did receive but it's obvious my right to " request the description of the procedures '' was denied ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX  XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: IA

Complaint narrative:
Credit Systems Intl In, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I approached my lender on XX/XX/2021 for options that are available to me instead of foreclosure. My lender is XXXX XXXX with PHH as their servicer. 
I have contacted HUD agency and I am working with an approved HUD counseling agent. 
I explained my situation to my counselor and give her all the contact info of the lender. The counselor contacted the lender today XXXX and asked them for 60 days extension so I am able to sell my house with a real estate agent instead of foreclosure. They denied the request and told the counselor that they will proceeded with the foreclosure sale date on XXXX at XXXX : XXXX  even though there is a moratorium in place till end of the XX/XX/2021. 
In addition I asked the lender for forbearance, modification package, balloon payment or any other options, but they have refused to offer me any. 
I appreciate any assistance that CFPB can offer.

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 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
We refinanced and closed on XX/XX/21 through XXXX XXXX XXXX Mortgage ( XXXX XXXX, CA ). We have an email that there would be no payment for XXXX. But Amerihome ( the previous mortgage firm ) although the full loan was paid to them, still took another monthly payment for XXXX. So Amerihome got paid the full loan amount and took the extra monthly payment of {$2300.00}. We have contacted XXXX XXXX XXXX Mortgage and they have not returned our emails. We have contacted Amerihome numerous times and they sent us a check for {$.00} cents. Any help in getting the money returned to us would be appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I disputed two ATM charges with Chase Bank that I completely do not believe I made. The dates of the transactions are XX/XX/XXXX and XX/XX/XXXX both for {$100.00} each. These were ATM withdrawals at a local bank. To confirm, I checked my timeline through XXXX XXXX  and it shows I was never at the bank on either of those days. 

In recent months, I had a credit card skimmed/shimmed and used to make fraudulent charges. The credit card company confirmed the fraud and reversed the charges. I believe something similar happened with my ATM. 

I told Chase bank all of this on XXXX. On XXXX the charges were removed and on XXXX they states reversed the removal. On XX/XX/XXXX I called the number on the letter which said I was entitled to request the information used for the investigation. The only information they would give was to say that the chips can not be compromised. I have doing some simple research online, I found that is not true. I asked for ATM video and they refused saying the investigation was closed. I do believe that they conducted a reasonable investigation in this circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I.C. Systems, Inc is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

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 2021-02-23 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed and limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for, no called support, auto replied. 
not telling problems just getting some auto reply. 
we use our paypal for selling in XXXX  only getting sales from XXXX and maid XXXXXXXX  payments. and when am get large sales like almost {$8000.00} they limited account and hold for 180 days even almost orders delivered. we added tracking no for that even they are not releasing available balance. 
there is no open cases and disputes no open chargeback still they done this no reason given. we get almsot XXXX sales via XXXX this month and they freeze due to this we are not able to complete pending order to I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Am provided all orders data which am get from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

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 2021-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
Credit Collection Serv, is furnishing my personal private information to third party agencies with my written consent which is a direct violation of 15 usc 1681b ( 2 ). By reporting this, they have severely damaged my reputation and have and continue to infringe upon my right to privacy as a federally protected consumer. I also have no contract with this company. 

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never gave Portfolio Recovery Associates ( PRA ) my personal and private information. It is apparent that they purchased an alleged debt from XXXX XXXX ( based on the derogatory information listed on my credit report ). While XXXX is permitted to purchase debts from an alleged creditor, they are not permitted, without the permission of the consumer, to purchase the consumer 's personal information, including but not limited to, the consumer 's social security number and other personal and private information. Not only did PRA violate my right to privacy but they also violated 15 USC 1692d - Harassment or abuse. Additionally, being that I never had a contract with PRA and never gave them permission to communicate with me, they violated 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt There are several other violations that PRA is guilty of, including but not limited to 15 USC 1692f - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: TX

Complaint narrative:
RECEIV RECOV is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation