vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alpha Recovery Corp
State: IA

Complaint narrative:
I have been trying to solve medical debt from an incident a few years ago. From the time I have been notified about this debt, I have been working closely with my parents ( under their health insurance ) and with the XXXX account managers to allocate the funds to pay this debt off. Ever time Alpha Recovery Corp. calls me, they are down right abusive. They will berate me over the phone as to why I have not payed off the debt. They also knowingly mock me over the phone. The latest incident was today at XXXX with XXXX from Alpha Recovery Corp. at first she introduces herself and the nature of the call. I tell her that I can call her back on Monday when I have the account number for my XXXX, because I could only make the payment after tonight ( they close at XXXX ). As a solution to the problem I offer to email my account info later tonight and her immediate response is " how is that going to help me? '' in an aggressive and provocative manner. Many times throughout the call I have to warn her to not be aggressive with me as I am working to find a solution to the problem. I had to warn her multiple times. When I tell her that I will call her back on Monday when they are open she immediately responds with " OH YEA, I'm suuuure you will call back '', and " lets see if you actually will ''. Both those phrases were said in a mocking and aggressive tone towards me. Near the end of the call when im trying to discuss how to pay she gets aggressive towards me again, and when I try to warn her, she hangs up abruptly. Also I had told them many times previously that I am working at this time and not to call me, but they choose to ignore that and continue to harass and mock me while I try to find a solution to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
Good day, to whom it may concern, I am writing you today because I sent out dispute letters to Equifax on XX/XX/21 and it's been now almost 60 days and they have NOT responded to me at all regarding the inaccuracies that's being reported on my credit report. They are not taking me or my situation serious and this is causing me stress and built up anxiety because it's hurting me from getting a new home. I'm being seen as risky when I'm not and it's not fair that due to their mistakes I'm being labeled as risky when I'm actually not. I tried calling and emailing them still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: IN

Complaint narrative:
I got a {$1100.00} on my paypal account. But paypal does not allow me to add banks to transfer it or mail it to my address. 

When I tried to add my bank account, it asks me to contact the customer representatives who can do nothing. 

When I tried to mail a check. It says " There's a problem with your address. Please check it and try again. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I received an alert from all three credit bureaus which are XXXX, XXXX XXXX XXXX stating that I owe a debt to PROFESSIONAL FINANCE COMPANY which is false information. I have no knowledge of this debt and tried to contact this company ( PROFESSIONAL FINANCE COMPANY ) by phone ( XXXX ) XXXX and have not received any response from them. It's my right to protect my credit from people like this. I would like them to prove that I owe this debt and if they can't I need it to be removed from my credit immediately. I pride myself on paying my bills on time. This is hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I'm getting a collections notice from Jefferson Capital Systems trying to collect an old phone bill of {$150.00} from XXXX. I had cancelled before the invoice date started for the next month. I paid the previous month and called as soon as I paid the pervious month to cancel my service indefinitely. So way before the invoice starting date. I spoke to a woman on the phone who said she would take me off no problem and there would be no fees. now suddenly, I was attempting to buy a car and 3 years later my credit score drops 100 points for something I don't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: DISCOVER BANK
State: SC

Complaint narrative:
I paid off my account in full in XXXX and canceled my card because a political organization kept putting {$50.00} donations that should have stopped in XXXX and the credit card company said they would stop putting them on my card on XX/XX/2021 but didn't. 
I am still getting {$50.00} put on every month by the credit card company even here in XXXX after my account was closed in XXXX. 
I contacted the political organization in XXXX or XXXX but they had no record of my account so they said they could not stop the charges. 
Why is the credit card company harassing me after all these months. I am a XXXX year old former retired XXXX with XXXX XXXX and XXXX XXXX XXXX and I feel like I am going to have a XXXX or XXXX XXXX  every month when the credit card company sends me another email saying I owe them money. I owe nobody anything and have paid every bill I ever made. I was a loyal customer for 20 years and they treat me like a deadbeat trying to beat them out of {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase bank has erroneously reported that i have made charges that i did not. 
Additionally they have not resolved this correctly in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I made a payment online to chase mortgage account on the amount of {$1300.00}, this payment never reflected on the mortgage account, but was taken out of my bank account. Ive spoken to many different people in chase and Ive opened 4 cases about this so it would be escalated and nothing has happened still. Recently every time I contact them they just put me on mute and hang up. Therefore its come to the point that I cant even speak to anyone. I live in the U.S and they tell me that someone in the XXXX is in charge of my account and they can never get a hold of them because of the time difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
`CITIBANK CHECKING ACCOUNT : XXXX ( CARD XXXX ) ( XXXX ). 

mY SOCIAL SECURITY CHECK WAS DIRECT DEPOSITED IN XXXX TO THIS CHECKING ( APPROX XX/XX/XXXX ), THEN CITIBANK FROZE ACCOUNT LATER THAT DAY. i CAN NOT SEE THIS ANYMORE NOR CAN i GET A STRAIGHT ANSWER ALL THESE MONTHS OF CALLS. 
FIRST, IT WAS THAT SOON AS IT IS CLOSED THEY WILL MAIL CHECK XXXX, THE REMAINDER IN THE ACCOUNT. iT WAS CONFIRMED THAT I WOULD RECEIVE SAID CHECK BY XX/XX/XXXX. 
THEN I CALLED A WEEK LATER, AND NO ONE COULD SAY WHAT HAPPENED. IT WAS BEING HANDLED INTERNALLY BUT I WAS BOUNCED AROUND TIL IT DISCONNECTED. 
THIS HAS GONE ON TO THE PRESENT DAY. 
FIRST, IN XXXX, I WAS TOLD THE CHECK WAS MAILED BACK TO SOCIAL SECURITY. THIS WENT ON AND ON, I CALLED SSI SEVERAL TIMES. 
ONE OR TWO PEOPLE CONFIRMED A CHECK WAS MAILED TO ME BY THEM AROUND XX/XX/XXXX OR XXXX. I WAITED NAD WAITED. 
FINALLY, I CALLED AND THEY SAID IT COULD BE POSTOFFICE SINCE THEY ARE MINIMALLY STAFFED. 
FINALLY I CALLED THIS WEEK ON WED, XX/XX/XXXX AND THE XXXXTECH SUPP0RT ' INSISTED NO CHECK WAS FORTH COMING. I WAS ALWAYS TOLD THERE WAS NO CHECK INCOMING BUT THEY HAD SENT IT OUT ANYWAY ) NOW THEY INSISTED NO CHECK EVER WAS MAILED AND NO MONEY EVER CAME IN. 
NOW I HAVE TALKED TO CITIBANK SEVERAL TIMES THAT DAY AS WELL. FIRST I WAS TOLD THEY SENT IT TO UNEMPLOYMENT. THEY GAVE A NUMBER TO CALL XXXX. THAT IS A LABYRINTH THAT WOULD NOT ANSWER. CALLED CITIBANK AGAIN AND THEY SAID IT WENT TO GOVERNMENT AGENCY AND THEY CAN NOT TELL ME MORE. 
I AM REDUCED TO 2 MONTHS ARREARS ON RENT, FORCED INTO BANKRUPTCY AND AM AT THE END NOW. SOON THERE WILL BE EVICTION NOTICES AND I AM XXXX WITH XXXX  AND XXXX CONDITION. I AM BEYOND HOPE ANYMORE.

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 2021-09-17 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: IN

Complaint narrative:
Paypal refused to close our account citing they needed 180 days to return our money and now my balance is XXXX citing charger for violation of acceptable use policy collectively Paypal is stealing almost {$4000.00} dollars from a XXXX veteran after making me believe for the last 6 months my money would be returned. surely this type of criminal activety wont be ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My wife applied for a TD bank retail card through XXXX and XXXX. She applied as a sole applicant and entered only her name, DOB, and social security number. She specifically chose no when asked if she wanted a co-application. The credit card was approved and at the same time, her credit report alerted that there was a hard inquiry on her credit report, my credit report was also alerted that there was a hard inquiry on my credit report. My information ; name, DOB, and social security number were never entered and I did not authorize TD bank to run my credit. I would like this hard inquiry removed from my credit report as it was unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
Repeated calls from a debt collector to myself and my spouse during work hours. On XX/XX/2021 I answered a call from XXXX from Direct Management and was speaking to a woman who would not identify herself just who she was calling for and the debt she was calling about. After she explained her side she asked for me to set up an agreement to settle the matter which I never do over the phone since being a victim of identity theft. I asked for an itemized bill and their contact information so that I could set something up and woman began to repeatedly tell me me that I was trying to avoid paying my bill and put it off longer, and that she was going to make note of it on my account if I wasnt going to make an arrangement at which time I told her I needed her name and I wanted to speak to a supervisor. She didnt give me her name but transferred me to a supervisor. At first the supervisor told me it was XXXX XXXX and when I mentioned that to would be reporting the contact for being oppressive and harassing he told me it was XXXX XXXX that I spoke to. I then ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M FINDING IT VERY DIFFICULT DEALING WITH THE CREDIT BUREAUS REGARDING AN FRAUDULENT ACCOUNT APPEARING ON MY 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 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NY

Complaint narrative:
The phone number XXXX has called me a few times a week for several weeks. The caller ID reads " LJ Ross Assoc ''. When I XXXX, this is a legitimate debt collection agency, but the number that called me does not match any of their contact numbers provided online. They do not leave a voicemail. 

When I called back I asked " I want to know who this number is that keeps calling me ''. They asked my name, I stated I would not provide that information until they tell me who they are. They read the name " LJ Ross Associates ''. I said " what type of organization are you? '' and they stated " we handle personal matters ''. I stated I would not provide additional information unless they provide more specific information and they said " Okay then have a nice day '' and hung up. 

Either a scammer is spoofing this number or LJ Ross Associates is refusing to provide additional information about the nature of their business or validation of any alleged debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX I reached to the credit bureaus Experian, XXXX and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports

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 2021-09-17 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: GA

Complaint narrative:
Equifax violated 5 of my federally protected rights by committing identity theft and pursuant to 15 USC 1681b ( 2 ) for furnishing my consumer report with no written consent from me. Equifax also violated the following federally protected rights and I sent Equifax an identity theft report, a notarized affidavit of truth with an invoice attached for {$5000.00} for the following violations.

15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( 2 ) ( A ) ( i ) 15 USC 1681a ( 2 ) ( B ) 15 USC 1681a ( 3 ) 15 USC 1681b ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was looking for a place to live on my own with my significant other. We found a place on XXXX XXXX. I contacted them and it all started there they played as a renter and an attorney. I sent over {$1700.00} believing I was doing so for a rental. After the last payment was made we scheduled an appointment so we could sign and get the keys but when I showed up to the home there was a lady living there and she told us it was a scam. 
XX/XX/21 {$40.00} XX/XX/21 {$80.00} XX/XX/21 {$50.00} XX/XX/21 {$280.00} XX/XX/21 {$500.00} XX/XX/21 {$600.00} XX/XX/21 {$170.00} My bank said because they were payments thru zelle that theres nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never missed a payment until Covid shut my job down. I have had this first mortgage and my Heloc Since 2014 I have tried to make these payments. I need a fresh start. I would like to consolidate the XXXX and the XXXX mortgage into XXXX loan and receive a modification. 

XXXX year 1 % rate XXXX year 2 % rate XXXX a fixed rate of 3 % for the life of the loan.

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 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M FINDING IT VERY DIFFICULT DEALING WITH THE CREDIT BUREAUS REGARDING AN FRAUDULENT ACCOUNT APPEARING ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian owns a company Clarity Services Inc, which sells data to third parties for the sending of unsolicited credit and insurance product offers. The website XXXXXXXX is used to allow individuals to opt out of receiving these solicitations. The issue is that in addition to selling correct data which they then allow me to suppress via the opt-out website, they sell inaccurate data which results in me receiving solicitations for individuals who do not reside at my address. I purchased this home more than a year ago and currently receive solicitations for seven individuals and companies who do not live at this address. In looking at the names, one of those people lived at this address more than a decade ago and lost the home in foreclosure. It is not unusual for me to receive insurance solicitations for 5-6 of the names on the same date from the same company. I contacted Clarity Services at the customer service address on their website today, XXXX, asking how I go about getting those names removed from association with my home address. I was told there is not a way and it is not possible to stop them from selling that incorrect data. I want this reselling of data tied to my address to stop. The companies that are purchasing this inaccurate data are being defrauded as they pay for the information then pay for the printing/delivery of these solicitations. I can stop these mailings for myself but Clarity Services refuses to stop selling my address with other people 's names attached to it. How is it possible that I have a right to dispute credit report information and they are required to investigate those requests but they are not required to investigate when I report they have put my address with someone else 's name for their corporate profits?

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