vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP
State: ND

Complaint narrative:
A writ of garnishment was issued against mine, my moms, and my sisters accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all three accounts on XX/XX/24. Information was asked for and the case number and attorney 's number. The attorney was called on the morning of XX/XX/24 due to the fact the branch was closed for the day. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed KeyBank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so the joint owner contacted the attorney they emailed the copy of the legal order which was emailed by the joint owner previously. The branch then faxed the legal documents at XXXX to their legal team and were told immediate action would be taken. At XXXX the XXXX XXXX  called the XXXX for the bank asking for verification that the received documentation and asking when it would be fixed. After being transferred around and on hold they were disconnected. When the XXXX XXXX  entered the branch around XXXX they asked the banker that had been attempting to assist since that Wednesday evening to help reach out to see if they could help get it fixed. After waiting for them to navigate the phone tree for about twentyish minutes, his XXXX said there was nothing they could do. The legal document was in their possession at the time that stated they were obligated to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: VA

Complaint narrative:
I reviewed my credit report and noticed an account that was not reporting accurately I had XXXX late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy this account has not been late on payments l 've attached a copy of my report on the following dates I'm now requesting you investigate with verifiable proof I had late payments if this information can not be verified I demand these payments be updated to " paid on time never late '' immediately thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt.

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Failure to provide this information may result in further actions on my part to rectify this matter. 

Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$1100.00} past due as of XX/XX/XXXX Balance : {$1100.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I am requesting that any negative reporting associated with this account be suspended until the dispute is resolved in accordance with the law. 

Please provide the requested information to the address listed above at your earliest convenience. If you are unable to verify the debt, I expect the immediate removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
Today I went to cash my check at CHASE BANK since I do not have direct deposit, I then went to insert my money into the atm to put it on my XXXX  card to make a car payment and other things. The Atm took my money and was loading for XXXX minutes while a car honked at me. I had to get out if my car and put a cone behind it next to the ATM while the screen was still loading, and walk back into the bank. I told them that the ATM wasnt depositing my money and was loading for XXXX minutes. The lady told me to park my car, come inside and a XXXX worker will talk to me. When I got back to my car, the loading screen stopped, and gave me HALF of the money I put in back, and the other never went to my bank account, just into the ATM! It wasnt little money either. So basically my money disappeared into the ATM and just spit out half of what I put in without the other half going to my debit card. I go inside with the receipt that the ATM printed that said to check my account, call this number and the banker called a number ( not sure if he called the XXXX on the receipt or not ) but then after he hung up the phone, he told me the rest of my money would be in my account WITHIN an hour, and an email would be sent to my phone. I NEVER got an email and I NEVER got the money, and its been almost XXXX hours. I called Chase bank XXXX times at least, even the branch XXXX and my personal banker, nobody answered and I would get hung up on and straight to voice mail. Eventually someone answered and forwarded me to another person who then said it would take XXXX BUISNESS DAYS to INVESTIGATE?! This is so crazy and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Good day, I purchased a house in XXXX. The originator of the loan was XXXX XXXX XXXX XXXX. This company went out of business and I started to receive correspondences from XXXX XXXX XXXX. I paid my mortgage and was having some issues with them receiving payments because I was paying cash at the bank and some monies was not being applied to my mortgage. Around XX/XX/XXXX I paid my mortgage and it was refused. I went to the bank to to find out what the issue was and they could not answer my questions. They suggested I called the corporate number. I called and to no avail was left on the phone for long periods of time. This went on for months and when I did speak to a account manager I was told that they were not sure what happened and not sure why the payment was not accepted. I explained that they are refusing my payment. months later I started to receive correspondences from another bank Carrington mtg. They stated that they are now the holders of the mortgage. I spoke to an account manager who stated that XXXX sold them the loan and that I will now have to pay them. I told them I didn't know who they were and why they were calling and writing to me. I started to receive threatening letters for foreclosure and demands for payments. I requested assistance from a neighborhood agency to help with modification and clarification. I received assistance from XXXX and in XXXX a check for over $ XXXX was sent to Carrington. Before the check was sent I had a conversation with a rep who stated I had $ XXXX remaining on my mortgage and with a $ XXXX payment and adjustments I will have a balance of $ XXXX. They received the funds and did not apply it accordingly. They sent a letter stating I still owe $ XXXX. i asked how the funds were applied and if I could speak to a manager to get some adjustment. I was told that the Manager was not available. I receive correspondence saying the manager can not reduce the payments or change the way the funds were applied. I am writing because I have no where else to turn. I spent my who childhood and youth working so that I can have a piece of the American dream and now it's being ripped from me. I need assistance as soon as possible to stop this foreclosure and thievery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have had ongoing problems, already reported to you last month, regarding Ally not taking the payment set up on the autopay that I have created in XXXX XXXX Every month, I receive emails from Ally advising me that they didn't receive my payment, then adding late fees and other fees to the account. Every month I have called them to get this resolved. And every month, I have to call 4 times to get someone to take actions. And every month the agents tell me that I had canceled the autopay, when I did no such thing. This company is failing and refusing to fix their problem or look into it, making this intent to cause XXXX to my well being, including XXXX health and XXXX health by blowing the issue off. I should not have to call them every month because they are refusing to take the payment. I use the autopay with my other credit card companies and don't have any problems. So, instead of taking my payment, they are refusing to take my payment, which is against the debt collection acts. I want this company to write off this debt since they are failing and refusing to fix the problem. They don't know what customer service means, it doesn't exist in this company. No one should have to go through the abuse that I am going through with Ally Credit Card XXXX, NO ONE. And them stating that they were looking into the issue is a lie. They don't care about how they treat their customers, on the phones or when it comes to taking payments.And I also always have problems trying to log in to their system. This is beyond not acceptable. FIX YOUR SYSTEM NOW.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt.

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Furthermore, I would like to emphasize that providing statements of a credit account does not suffice as proof of the creditor 's identity. I am aware that impersonating a creditor is a federal crime, and I expect full compliance with federal regulations regarding debt collection. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$3900.00} past due as of XX/XX/XXXX Balance : {$3900.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I demand that if you fail to provide the name of the original creditor as well as the other requested information, this account be removed from my consumer reports 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I started receiving XXXX cents deposits to my Paypal account on XX/XX/XXXX. In total since then I have received XXXX, which is most likely due to some scam. I contacted Paypal about it and their customer service told me to just refund these, which I did. Fast forward to now, where they have permanently limited my account, I can't transfer my current balance to my bank, can not make payments, and can not receive refunds of some orders I recently returned. How disappointing, I've been a customer for XXXX years, and this is very unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : EXPERIAN : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B  ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am following up on a complaint regarding fraudulent activity identified on my credit report. After submitting an identity theft report to the Federal Trade Commission ( XXXX XXXX XXXXXXXX ), I am requesting the removal of the following account, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), reference number XXXX. Attached are the documents needed to facilitate this process. Please find below the account details as reported by each credit bureau, opened without my authorization : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance : {$920.00}. According to FCRA Section 605B ( a ), credit reporting agencies are required to remove any fraudulent entries from a consumer 's file no later than XXXX business days after receipt of a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: FL

Complaint narrative:
To whom it may concern : Attached you will find information Ive identified on my credit report that needs to be deleted from your records 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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XXXX 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they 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 non-monetary relief