vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
On today, XXXX XXXX I received a credit alert regarding a collection. I thought it was a utility company, but when I called the number it is a collection agency stating I owe {$280.00} to XXXX on an account opened in XXXX, and paid until XX/XX/XXXX. I informed the agent, I have not ever had comcast. She asked me to verify last 4 of my social. I asked her if she could see the name on the account, and she states there is no name, only last 4 of social, which do indeed match my SSN. She asked was I aware of the service address and I stated yes. I lived there from XXXX to XXXX through a company called invitation homes. I relocated to XXXX, GA in XXXX, and then to XXXX CA in XXXX. She went to verify my new address and stated it was XXXX XXXX XXXX, I informed her that is not correct.. she has no records of my current address or prior address. She also tried to verify an email, stating it was XXXX I informed her this is also not my email. My email is XXXX I have no knowledge of this account, which has now reported to my credit report as a collection from XX/XX/XXXX, when she states the account was from XXXX, 6 years ago. I informed her, I have never received any type of notice regarding an account with XXXX or a debt owed. She has mailed me a fraud packet to complete. I informed her that this account is now showing on my credit report as a collection and how am I to get this inaccuracy removed. In addition to whoever owes this debt, the debt is from XXXX, it is now XXXX. She states they will have to reach out to comcast. I called XXXX today and spoke with agent named XXXX. She does not show any accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Payment Corporation
State: NJ

Complaint narrative:
Between XXXX I applied for XXXX XXXX with a company named XXXX. XXXX processes payments via a company named Universal Payments. These companies are both located in XXXX, XXXX My purpose in working with XXXX was to bring an invention to market for swimmer shark safety. The company charged a fee which was to be paid over a period of time. Unfortunately XXXX has mislead the inventors and made promises that were not true. I received an inferior product from this company. I filed a complaint with the Pennsylvania Attorney General and The New Jersey Attorney General offices. XXXX requested my social security number according to the salesman XXXX for reporting my royalties. Instead they use my social security number to report non payment. This case has been discharged for three years. The State of New Jersey made XXXX return my payment in XXXX of XXXX There is currently a class action lawsuit against this company. I am part of the class action lawsuit. Yet, Universal Payment continues to report non payment to the credit bureaus. I have disputed this information for over one year with the credit bureaus and nothing has changed. I hired a credit repair company and still we can not remove this company from my credit reports. Please help resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio recovery keeps calling after I have told them to stop calling me I even blocked their phone number but to no avail they call from other numbers I need a refund or payment from them for violation in which you guys have made claim that they owe people for there unethical tactics

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I paid {$120.00} on the XXXX of each month for a service that I was told that I needed. I even paid an initial fee to get it started up. The last date I paid was XXXX. I was told I needed to have the service for a couple of months before my credit improved and it never did. I was also lied to about the services that Lexington Law offered. I wanted the cheapest plan because thats all I could afford. I was told the cheapest plan was the one for {$120.00} but the cheapest plan at the time was {$89.00}. I didnt realize this until after I had paid months of {$120.00}. I spoke with another representative and he informed me of the lower plan. But I had spent so much money that I couldnt even afford at the time. I felt used and lied to about the entire situation. Trying to resolve the issue, I had no other choice but to cancel my services. I had my account since XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-04-24 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:
For a while, my boyfriend has me listed as an additional cardholder in order to help me grow my credit. After we broke up, his credit balance became extremely high and it hurt my score as well. 

He has repeatedly requested to have me removed as an additional cardholder and XXXX XXXX XXXX guaranteed him this was done. 

But upon disputing it on my credit reports, the disputes were closed and XXXX XXXX XXXX is allegedly claiming that the account is mine. 

The account is DEFINITELY not mine and I do not have any credit cards. This should be removed, as it's destroying my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The company posted a collection to my credit report without notifying me or providing the opportunity for me to dispute the debt. They never contacted me. I disputed the collection online and requested verification of the debt, which they have failed to respond in a timely manner. 33 days after I disputed the debt, I received a verification letter stating verification was enclosed, but it was not- it only contained my name and address, my daughters name and birthdate, my insurance company falsely listing me as the primary insured, a phone number which is not mine and another debt collector + case number that is not associated with any medical practice we use. This does not validate the debt, there is no date of service or description of service provided, no documents showing authorization of charges, I am not the insured or fiduciary, and they did not provide account numbers for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank restricted my online banking access in XX/XX/2023. After contacting Chase a few times, their fraud protection/financial safety representatives explained that it was because I attempted to move funds from my Chase savings account to my other account outside Chase bank XXXX XXXX XXXX  ). I have made numerous calls to Chase bank, and the Chase bank 's representatives were able to verify my identity each time, they still needed me to visit any of Chase bank branches and practice the same procedure. I am currently working abroad as a federal government employee, and I am not able to leave my position yet. Chase bank 's over-cautious and client unfriendly protection manner has restricted my access to not only my banking accounts but also my credit card accounts. I am not able to monitor my credit card transaction history and pay for my credit cards. Please kindly assist with a reasonable solution for this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA LENDING GROUP, LLC
State: TX

Complaint narrative:
I have a mortgage loan with the company " Sierra Lending '' since 2021, and have covered my house with the XXXX XXXX yearly. 

During XXXX and XXXX, Ive informed the Sierra Lending Group Company which is represented by XXXX XXXX, that its my decision to continue with the Insurance Policy generated by the XXXX XXXX XXXX XXXX. 
I previously sent multiple mails informing them ( In addition to the multiple messages exchanged by XXXX, and phone calls with the different collaborators of Sierra Lending, including the owner XXXX XXXX ), my desire to continue with XXXX XXXX XXXX. 

Through all these different ways of communication with Sierra Lending I let them know I want to renew my insurance policy with XXXX. 
I received refusals from them, trying to force me to act against my will, and intervening in a threatening manner telling me who I can and with whom can not to renew my policy. 
The lender cant force me to change insurance ( but is trying to do that ), however they can force me to have coverage and the loan amount to cover the debt. 

The reason why I don't change to another Insurer is due to none respects the same conditions in Fee and the deductible percentage, the cheapest Insurance company costs me twice of the amount XXXX gives me. 
Ive been proactive and had also proposed other types of solutions and were as well rejected by Sierra, example : cancellation of the Escrow Account. 
All these events had directly affect me not only my economic interests, but beyond multiple discussions, my health is currently being affected since I am unfortunately suffering from migraines and stomach ailments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have spoke with LoanCare atleast once a week for 6+ weeks. I was sent paperwork for a partial claim in XXXX, I asked for a breakdown of what was included in the partial claim. After many attempts and incorrect information, I received a call from LoanCare asking when I was making a payment. I said I was requesting a breakdown of the numbers included in the lump sum partial claim. I was informed, of that is expired, we will have to send out another packet to you. The packet I received 6+ weeks later is for a mortgage modification and partial claim. I immediately called and asked why there were modification paperwork included with the partial claim. I'm being told I was denied the partial claim. I have spoke to them weekly requesting a resolution because I do not wish to modify the mortgage. Spoke w LoanCare today, I was told FHA denied it and when they have the written denial notice completed they will send it to me. I asked if it states why it was denied and they said no. LoanCare repeatedly says " a supervisor will be in contact in 24-48 hours '' this has never happened and I have yet to speak with a supervisor. A covid loan modification is meant to " help '' the homeowner. By modifying my mortgage my payment will increase by approx XXXX XXXX The partial claim that is attached to the modification is what I would like to execute. The modification does nothing to the arrears owed, it simply increases my interest rate from XXXX to XXXX. I have reached out to HUD and was given a list of " resources '' however when I contact these resources they do not handle covid relief options and refer me to " call a attorney ''. I was told today to either pay the amount owed in full approx XXXX or sign the modification documents. I feel like LoanCare is not following the HUD requirements and they simply would like to change my loan from 3.125 % interest to 6.875 %. I'm not sure where else to turn to for answers

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 2023-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I keep getting called from Portfolio recovery associates. They arent asking for me but continue to call me over and over even after I informed them Im not the person they are asking for. Its repeat calls at all hours and weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX flagged my credit report as being 30 days past due. On XX/XX/XXXX I contacted Experian to dispute the inaccurate reporting by XXXX. I provided all documents to Experian to validate that my account was inaccurately flag. 


Dispute Details : Account with XXXX was opened on XX/XX/XXXX with payments due on the XXXX of each month. On XX/XX/XXXX my monthly payment was made with the next payment and the next scheduled payment due on XX/XX/XXXX. However, I made the final loan payoff made on XX/XX/XXXX. This XX/XX/XXXX layoff was only 9 Days past due of my XX/XX/XXXX due date. This was not 30 days past due. 

On XX/XX/XXXX I received an alert from Experian regarding the results of the dispute. The dispute read that there is no change to my credit file stating that XXXX reported the 30 days past due as accurate information. This was upsetting to say the least considering how hard I work on keeping my credit in good standing.

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 2023-04-24 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: HI

Complaint narrative:
Dear Sir/Madam, I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed on my account by mistake, as I have not violated any PayPal policies. 

I would like to request that PayPal re-investigates my case and restore my account if possible. I rely on PayPal for my business and personal financial transactions, and this limitation has caused me significant inconvenience and financial hardship. 

I would like to stress that I have always complied with PayPal policies and regulations. Therefore, I am perplexed and deeply concerned about the limitation imposed on my account. I respectfully request that PayPal reviews my account thoroughly to see that I have not breached any of your policies. 

I understand that PayPal takes fraud and abuse seriously, and I fully support the company 's commitment to protecting its users. However, I assure you that my actions have been in good faith, and I have not engaged in any fraudulent or abusive behavior. 

I would appreciate your kind consideration of this matter, and I am grateful for any assistance you can provide in resolving this issue. Thank you for your time and attention to my appeal. 

Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
someone stole my information and opened a credit card and got cable or internet in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: FL

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting.

DPT ED/XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Delete this account. 

10. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEBT REC XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

15. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: TX

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to submit a complaint regarding the permanent limitation placed on my PayPal account ( EMAIL ADDRESS : XXXX ). I strongly believe that this limitation has been placed on my account due to a mistake on PayPal 's part. 

I would like to emphasize that I have not violated any PayPal policies or engaged in any fraudulent activity. I have always conducted my transactions on PayPal in a lawful and honest manner, and I have always been transparent in my dealings. 

Therefore, I request PayPal to re-investigate my case and review my account in detail. I am confident that upon review, you will find that there has been no violation of your policies or any suspicious activity on my account. 

I understand that PayPal takes its policies and procedures seriously, but I hope that you will also take into account the inconvenience and distress that this situation has caused me. I have been a loyal PayPal customer for many years, and I rely on my account for my business and personal needs. 

I kindly request that you restore my account if possible, as it is essential to my daily transactions. I would be happy to provide any additional information or documentation required to assist with your investigation. 

Thank you for your time and consideration. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A section 2, also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b, a creditor may not treat a payment on a cred cared account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation