vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Long time customer of XXXX XXXX held several policies over 10 years then they up my auto premium by nearly 3000 dollars new drivers added but no violations we could not justify the jump when working with them in late XXXX and XXXX... .a last ditch effort for new coverage was made and we regretfully moved from XXXX XXXX to another insurance company for the same coverages we saved over XXXX dollars. alot of money in todays times to cover household drivers. So we switched. several weeks go by and XXXX XXXX sends a bill for XXXX dollars. They could not justify why this money was needed as we had paid all coverages for the year. They ultimately put us into collection to Credit Collection Services in XXXX MA. But they set up 2 collections so we were receiving misleading info. We get a collection notice for XXXX... .then we'd get another one from XXXX. We couldn't determine if they adjusted the debt or XXXX made a correction. So the communication we would receive was misleading. The XXXX dollars i was fretting as it was nuisance debt and would not get reported to effect my credit. We ultimately paid the XXXX for what ever reason but they still reported the debt to the credit rating agencies and have destroyed my credit. My score dropped nearly 50 points a crushing blow with kids in college and knowing they need student loans. so now we'll have to pay more in interest on my kids loans for the next 20 years all because of XXXX dollars of debt that was paid just as it was being reported. So the pain of the experience is why did my insurance jump more than XXXX dollars where i was a long time customer... i went shopping for the same coverage and saved nearly half of XXXX and probably could have at other insurance companies as well but not XXXX. They they send me to collections for XXXX ... .open 2 collections one for XXXX and the other XXXX dollars at the same collection firm... .if liberty cant get the debt straight in one collection then they should use 2 different collections agencies... but i was getting mailings showing different amounts at different times ... ... ultimately the debt was paid and i still got screwed. and now my kids will as well ... ..i have contacted the credit agencies to see if it can be corrected but it never should have so my XXXX score i took pride in is now below XXXX and probably will be for months as they never give back the total points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
I have been contacted by Central Portfolio Control several times by phone, trying to collect more personal information for them to give me more details about the bill the are trying to make me pay. I have also received a letter dated XX/XX/2023, with an account summary for service on XXXX XXXX and reference # XXXX for a balance due of {$10000.00}. The communication mentions that the original creator is XXXX XXXX XXXX XXXX XXXX. I have never used nor taken any service from that hospital. 
I have never been contacted by dignity health and I have never heard nor used Central Portfolio Control company. I have called CPC to report the spam, they did not receive my call seriously, I did not receive any help, and they did not show any concern for the company 's name involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been with Bank of America for XXXX years. 
I recently ordered a new credit card. 
I tried to make a purchase on XXXX and got a fraud alert on my phone. 
I approved I made the transaction and was told to make it again Again card is blocked and I had to call fraud Fraud released my card AND TOLD ME I SHOULD TRY AGAIN. 
again, the bank blocked my card but now demanded I got to a branch physically. 

I called a supervisor in the morning then they released the card. 

Then I went to XXXX XXXX to make the purchase again. Physically this time, with my credit card, XXXX XXXX and my ID. 
Again my card is blocked Again I answer yes it was me on the phone Again its blocked. 
Again I call fraud explain the situation. 
Again, THEY GIVE ME BAD INFORMATION AND TELL ME TO USE THE CARD. 
Again bank blocks my account and this time blocks my online banking. 
Forcing me to go to the bank. 
I go to the bank thinking itll be a quick process. I spent apporx XXXX HOURS (!!!!! ) in the branch to get the matter resolved. 
We make sure everything is ok. 
Only to have MY ACCOUNT BLOCKED AGAIN. 
Fraud refusing to tell me why my account was blocked telling me no one is allowed to talk to me until I go to the bank. 
BANK TREATS ME POORLY TELL ME TO WAIT IN LINE AFTER ALL THR CUSTOMERS DESPITE THE FACT I HAVE TO LEAVE FOR XXXX WEEKS THE FOLLOWING DAY. 
I SPEND XXXX (!!!!! ) MORE HOURS IN THE BRANCH. 

Initially they refuse to tell me why my account was blocked again until they finally confess that someone made a mistake and didnt document things properly that I was identified with XXXX forms of ID. 
XXXX also told that my card was blocked at XXXX XXXX since I used XXXX XXXX instead of the physical card, where their own Fraud Rep told me its ok to use the card again. 

Bank should be forced to compensate me for my time since this was their own mistakes and misinformation that lead to this chain of events, plus wasting my time twice for the same thing due to their own negligence.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
on or afound XX/XX/XXXX, i linked my ally bank savings account to my daughters, in order to transfer money to her. there was no indication on the tranfer link page to indicate that this was a prohibited transaction, and the link was processed. that led to my accounts and even my access to those accounts at ally bank [ including investment accounts ] being frozen. 

the lack of a single sentence stating that links to accounts i did not personally own were prohibited, or a simple rejection of the link would have prevented this problem, so, to me, this was a problem of ally bank 's creation. 

many calls to " fraud prevention '' at ally ensued. it took a week to renew access to my own money. i still have no access to my investment accounts [ which have had absolutely no activity ] as of today, XXXX XXXX. 

one of the most frustrating aspects of this was the non=responsiveness of customer service [ bank, fraud prevention and investments ] to requests to speak to supervisors, managers or corporate officers. i was not allowed to speak to the person [ XXXX ... no last name ] " investigating '' the case, which could not have been simpler, and, as i said above, basically a problem of ally 's own creation. 

i was, and continue to be denied access to my own money for what is now over 2 weeks. i find it hard to believe that such a practice could be acceptable. if ally needs more employees in order to resolve these matters in a timely way, they must hire them. in this case they could have presented the problem by simply including the necessary information on the transfer page, or simply voiding the request

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I hereby dispute the current payment status and remark comment associated with my credit report for NAVY FEDERAL CREDIT UNION for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: GA

Complaint narrative:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$4000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account.

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA.

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false.

Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness.

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken.

Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment 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 explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 


The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Sunlight Financial LLC
State: MI

Complaint narrative:
After applying for a bridging loan with Sunlight Financial for Eerie Home roofing, making a debit payment for it, and unfreezing my credit for XXXX and XXXX with which we secured a LOC, attempts were made to take funds from my XXXX XXXX  checking and two savings accounts. I spotted it and contacted the bank which froze all original accounts and denied the attempts. I opened new checking and XXXX savings accounts. with XXXX. I contacted XXXX XXXX regarding a closed account since the withdrawal/payment attempts were noted as XXXX XXXX online. They reported no activity from the CO savings account or use of my SS number and removed the XXXX XXXX  connection I had used to deposit savings. 
I contacted XXXX XXXX whose salesman had taken personal info and originated unfreezing of my XXXX and XXXX credit. They denied involvement of any pervious such incidents with their contracts. 
On the day I was flying to XXXX, my XXXX  XXXX XXXX XXXX XXXX  had a swiped charge at XXXX. I contacted XXXX they permanently credited the amount, froze the old account, and are sending me a new credit card. 
I have created new User names and passwords on my various on-line payment accounts. 
I believe I have been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The extended duration of the inaccuracies in my Payment History for Current Payment Status and Remark comment serves as evidence that the credit reporting agency and the furnisher knowingly and recklessly violated the FCRA. 


I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment 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 2023-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Received a call on XXXX at XXXX am from XXXX ( XXXX ) XXXX XXXX XXXX looking for a family member. They should not be contacting me. I dont know how they received my contact information as I am on the do not call registry. Additionally he was verbally abusive and harassing.

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