vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CCS COLLECTIONS trying to collect {$130.00} which i don't owe to them

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
have disputed with all three-credit bureau to have fraud inquiries remove

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 2023-01-03 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: GA

Complaint narrative:
This is Not mines

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 2023-01-03 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: Retail Merchants Associates
State: LA

Complaint narrative:
I did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management has been taking a payment plan from me for over a year and then stopped but didn't notify me. They then contacted my employer after being told not to do that and after I was making payments. I then paid off this debt online last week and followed up with a call to confirm payment. Today, I can no longer log into my account and after they confirmed they received my payment, it has not been withdrawn from my account and it is not paid. They do not want this paid off clearly. I want to pay this debt and want it reported to the credit agencies. It's not this hard. I have the funds but they aren't taking my money! This company has been horrible to deal with and seems to run on tricks instead of help. How hard should it be to pay off a debt? Not this hard. I've spent hours trying to pay this off. There has been no payment confirmation or anything. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The company does not let me close my account online, and when I call they transfer me to another department and leave me on hold. I have tried twice to cancel but the wait time is greater than 20 minutes on the phone.

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 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a call from comity bank on XXXX XXXX am set and the call came in as unknown or blocked caller. I spoke to the collector I also expressed this practice of unknown caller as a FDCPA violation. Nothing was addressed to this comment. They are first party debt but I didnt believe this is still an allowable practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
have disputed with all three-credit bureau to have fraud inquiries remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
have disputed with all three-credit bureau to have fraud inquiries remove

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 2023-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX to Loancare. I was laid off from my job on XX/XX/2022, I called into Loancare for mortgage assistance. I followed all instructions and provided the needed documents. Every time I called in for status I was constantly being told to provide the same documents over and over again. I was then told to provide certain items for a loan modification. I did not apply for a loan modification. I simply wanted a forbearance to assist me being that I am now unemployed. They have not communicated anything as to the smear steps just keep asking for the same information. My lender should be able to assist with all the programs they claim to have to help homeowners, instead they take their time to process the application. One representative told me that it can take as long as a refinance! This is absolutely ridiculous! I was able to pay mortgage for XXXX and for XXXX, but if I am asking for help, why are they not providing it? The regular forbearance was a lot easier. Why is an unemployment forbearance any different, these processes should be made a priority to avoid a homeowner going into foreclosure.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a check on XXXX was told there was a hold until next business day. That evening I received an email that said funds were on hold for 7 days. On XX/XX/30 I received my direct deposit from my employer. I went to transfer funds to pay bills and was alerted that there was an alert on my account and I needed to call in. Called in to find out that they have frozen ALL my funds and Im unable to withdraw any money from account. I have called in multiple times and every time I call in they have no updates as to when this freeze will be lifted. That is all my money and I have bills and food that need to be paid/bought. Bank of America has handled this extremely poorly. Please advise as to how we can get this resolved 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 monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
This is a scam alert. I sold my house two years ago and now im receiving post cards from a company portraying to be movement mortgage. Says I need to call XXXX as soon as possible- Ref # XXXX - Important matter regarding this loan. 

I don't have a loan with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So I went into my bank account to check my transactions my card was used by someone in the XXXX XXXX to order XXXX Now thats somewhere I dont eat my card stays home at all times XXXX XXXX XXXX every where I go Being my card was charged the payment was reversed back to me But this caused my to not trust the banks because why is my account being used when I never went to XXXX XXXX privacy is being invaded this caused me some XXXX  and made me uncomfortable

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a not a duplicate complaint and I'm not using any XXXX  party for this matter, I represent myself by myself and provide information on my own. The reason I'm sending this complaint because I have NEW Evidence of my statement. 
I go a few hard inquires on my report that I have never authorized. I have filed FTC report for this matter and included in this package. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX - XX/XX/2021 XXXX XX/XX/2021 These items MUST BE REMOVED FROM MY REPORT Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX. 

I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect. 

I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent experian, XXXX, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. experian, XXXX, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, XXXX have on file for the account listed below.. It has been more than 60 days and experian, XXXX, XXXX have not sent any verifiable proof. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, XXXX, XXXX must remove the accounts and billing errors listed listed below. 

XXXX. The following account is not mine and has not been verified please delete XXXX XXXX ( Original creditor : XXXX  ) Account XXXX 2.The following account is not mine and has not been verified please delete .The following account is also reporting late payments I was never late on this account XXXX XXXX Account number : XXXX I was never late on this account but you are reporting late payments on my report. 15 U.S. Code 1666 - correction of billing errors - timing of payments billing error always paid as agreed on time this is an error this account in violation. Also violating 15 U.S. Code 1681e and 15 U.S. Code 1681i- this account in violation not reporting 100 % accurate 3. Delete this inquiry The inquiry was not authorized XXXX  Date of inquiry : XXXX XXXX, XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. Delete this inquiry The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX 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 2023-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Medical account {$470.00} from XXXX XXXX. I received only XXXX texts message in the past 2 month. I was totally surprises as I contacted XXXX and it was a billing issue. I contacted XXXX as well. When I received a test message from Wakefield Assoc, I was floored. I called immediately, said I would dispute as is a XXXX account and per XXXX it was billed incorrectly. I have no other insurance. I received the XXXX text message and called XXXX. I then submitted a formal dispute on XX/XX/22. No response from them, no phone calls, no text messages after that. Nothing, they never called me in person, never sent me mailing via XXXX, nothing. only XXXX txt messages. I explained all of this. When I called XXXX, they said they purged from system, and it would be timely filing now. This charge was erroneously billed to me, and certainly incorrect. Now it is reported on my credit. How can they do that with only XXXX text message, no phone calls, no other contact. AND I submitted a DISPUTE on XX/XX/22. Please help Collection info below : Wakefield $ Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Account XXXX REF # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I put in an order through XXXX on XX/XX/2023 AT XXXXXXXX XXXX. 15 minutes later I cancelled but they said it was already being shipped. So they took XXXX, from my credit card. I called my bank and they said it was still pending. There is no way 15, minutes after putting in an order at XXXXXXXX XXXX  they were shipping my order. I cancelled the order at XXXXXXXX XXXX. Their policy is they don't charge you until item ships yet 15 minutes after submitting order they took XXXX from my card. the order number is Order # XXXX. My bank says it still shows as pending but XXXX says it's been cancelled. XXXX policy is you are not charged until items ship, how ever they took XXXX within 15 minutes of placing order before items were shipped. XXXX says it was cancelled but if you look at screenshot 65 it still says pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMEX sent me a promotion to get a new card when spending XXXX within the first XXXX  months will give me the advertised rewards ; however, AMEX set the limit in a way is impossible to achieve that, and Customer Service is incapable of solving or explaining. Its been weeks since opening the account with no replay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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:
On XX/XX/XXXX the company XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone number XXXX did a **hard inquiry on my credit. This inquiry appears only on my Equifax report so far. That day I only authorized a *soft inquiry and was assured by XXXX XXXX XXXX XXXX XXXX ) it would be a *soft inquiry. 

The next day I received an email that a new **hard inquiry was done on me. I visited XXXX selling point again and talked to XXXX XXXX, who assured me it was just a *soft inquiry and to verify with Equifax free credit report again. A week later I checked the free report and it was a **hard inquiry, not *soft. 

I called and emailed XXXX and on XX/XX/XXXX XXXX XXXX called me back and assured me it was a mistake on their side, that I could file a dispute with Equifax and he will say that is was a mistake. I did 4 disputes on Equifax and called them on XX/XX/XXXX and they say they inquiry was done by XXXX and that it will stay in my credit report for 2 years. I asked Equifax if they contacted XXXX but they didn't told me. 

Equifax also told me to file a claim here on CFPB and email them the evidence of the claim with a cover letter, license copy, ss copy and they will review my disputes. I would very much appreciate your help please as the company XXXX is working to solve the issue but the credit company appears to not be having clear communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I want to file a complaint against Paypal for holding my money for 180 days with no guarantee that I will get the money back. They permanently limited my paypal account and hold my paypal balance for 180 days up in which I could only transfer them out after waiting for that period of time. I dont mind how long I have to wait but my only concern here is am I able to get my money that are still in my paypal balance? I received them in Monday XXXX XX/XX/2023 as a birthday gift from my relative. And after receiving those amount suddenly I got a notification from paypal that my account got permanently limited which I couldnt do anything about it. They permanently limited my account after I verified my personal information yesterday using my id because my paypal name isnt unmatched with my legal name on id. I have read so many complaints about their action holding people money up for 180 days and most of the cases they are not able to get their own money back because eventually after 180 days as they stated PayPal will transfer the money out of the balance to Paypal own account. This is so unfair when the money doesnt belong to them. I just want a guarantee that I will get my money back in my balance after 180 days. They cant took it just like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: 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 non-monetary relief
Consumer complaint received 2023-01-03 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: Velocity Portfolio Group
State: PA

Complaint narrative:
I have a fraudulent account on my 3 credit bureaus from upstart : velocity investments. I tried contacting the company requesting signed documentation for a loan thats in my name. I submitted police reports, ftc reports, but info is till on my report. I tried contacting all party with negative results.. 

XXXX  account # 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