vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
United Collections Bureau Inc. ( UCB ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The XXXX XXXX XXXX Card ( XXXX XXXX XXXX XXXX ) not only permitted the purchase but also charged off the debt through the IRS. UCB Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXXXXXX XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of XXXX, UCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Citibank N.A. sold my credit card debt of {$1800.00} to a third party, XXXX XXXX XXXX ( XXXX ) and charged off my account on XX/XX/XXXX. On XX/XX/XXXX, I entered into a settlement agreement with XXXX for {$830.00}, I paid off the agreement and XXXX removed their entry from my credit report. I have since disputed Citibank 's entry with the credit bureaus multiple times and Citibank keeps providing false information to the bureaus that my debt still has an outstanding balance of {$1800.00}. I have tried to call to Citibank, most recently XX/XX/XXXX, and their phone system will not allow me to talk to anyone because the account has been sold. I have written Citibank a letter through the US mail on XX/XX/XXXX and they have not responded.

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 2023-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: APEX Asset Management, LLC
State: IN

Complaint narrative:
Axia billing department stated they sent me statements three different times-once in XXXX, where I paid the amount due ( {$17.00} ), but they state I still had a balance ( {$66.00} ) after the coinsurance paid their part. They state they tried to contact me, via the United States postal service with a standard letter, in XXXX, XXXX and XXXX. I never received any statements, therefore it wasnt paid. Instead of contacting me through another form of communication ( for example, telephone or email ), they sent me to collections. I called them and paid the bill on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Dear Equifax : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXXXXXX XXXX - XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A wire transfer was made from XXXX XXXX at XXXX XXXX to my Companys account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX at JP Morgan Chase in the amount of {$17000.00} on XX/XX/2022 the Money was fully transferred. Chase bank refused to give me the money and they never returned the money to the sender. I have called and visited the bank so many times to retrieve the money but they claimed the money has already been sent back and there is nothing they can do. Moreover, the Sender has also tried so many times at his XXXX XXXX branch they still did not release the Money to him. I will be happy if you will help me retrieve this money from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: NC

Complaint narrative:
Recently, on XX/XX/2023 I did another investigation on my credit report and realized that there were several inaccuracies, invalidated and unverifiable items that the credit bureau agency is reporting. 

Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims is a violation of my consumer rights and is unjust. 

The credit reporting agencies are either not responding or stating that these were investigated and verified. Again, they're several inaccuracies still showing on my credit report and in some cases have been removed and then reinserted causing me to lose housing opportunities and from obtaining credit. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: AR

Complaint narrative:
I received from my employer on XX/XX/XXXX a letter indicating they were required to withhold from my check 25 % of my disposable earnings until my debt is satisfied. They were directed to withhold {$10000.00} in total from my wages. I contacted the attorney representing the plaintiff but {$500.00} was taken out of my account on XX/XX/XXXX. They were successful in taking another {$500.00} on XX/XX/XXXX. I had this credit card more than XXXX years ago. I believe it was closed in XXXX or XXXX. A Default Judgement was issued in XX/XX/XXXX. 

1. The statute of limitations for the credit card debt is closed. 2. I previous lived in XXXX  that has 4 years of open-ended accounts statute of limitations. I moved to XXXX in XXXX  that has a statute of limitations of 5 years. The debt is a time-barred debt, therefore no longer legally collectible because the statute of limitations has run out. 3. I am certain at least 30 days would be required for us to settle this matter before funding could be garnered out of my account. 4. I am quite certain the credit card in questioned had a credit limit of {$2500.00}. And, 5. The information submitted to the court was dated XX/XX/XXXX. I had a XXXX in XX/XX/XXXX. I did not move to the address on the paper work until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: CO

Complaint narrative:
I had been having a text conversation with a wrong number text message for over a month when she convinced me to set up a store on www.rakitenshoping.com. I had to put in {$3000.00} dollars to set up a store, to cover costs of purchases. I had a large " sale '' come and needed a {$30000.00} wire transfer to cover it. 
I wired the {$30000.00} to East West Bank in XXXX California on XX/XX/XXXX. 
When I covered this purchase and immediately received another purchase that required over {$100000.00}, and the purchaser was uninterested in my issues with needing to get a loan for over {$100000.00} and XXXX said I had to cover the purchase, or they would file a complaint against me with the FTC. I am over XXXX and had a XXXX XXXX XXXX during this period. I became suspicious and contacted several law enforcement agencies. including the FBI and the FTC. The XXXX  suggested that I contact the Colorado Bureau of Investigation and I did. The CBI recovered the original {$3000.00} wire transfer, and then contacted East West Bank and found out there was at least some of the money in the account I had wired money to. 
On XX/XX/XXXX XXXX XXXX XXXX sent East West Bank a App. for seizure warrant and a seizure warrant. 
Over a month later on XX/XX/XXXX XXXX XXXX XXXX received a written response about the need to domesticate in California. 
He was also informed that the funds were transferred overseas. 
East West Bant was informed that the money in the account was fraudulently acquired. East West Bank took over a month to respond and allowed the money to be transferred out of the county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management called my XXXX  and disclosed my debt and account number. They also told my XXXX  that an attorney would show up at the door if she didn't setup a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Filed a dispute with all credit bureau and supplied information that a account was fraudulent, account had been removed from all credit bureau, but transunion they have been notified by the creditor that the information was fraudulent and removed but they refuse to update my credit report the, they told me I had to wait 30 days but the 30 days are the time in which the creditor has to respond, I spoke with the creditor and he has notified all the credit bureau and I have received notice from XXXX and XXXX XXXX XXXXXXXX that it has been removed but transunion refused to update although they have the information which has caused me homelessness due to them refusing to update my account and having me be denied to to inaccurate information.

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 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My loan servicer changed from XXXX XXXX to NewRez. I changed it in my bank account to pay NewRez, but didn't realize the loan number changed. The money went to NewRez. NewRez 's holding company Shellpoint Morgage Servicing cashed the checks and the money was removed from my account. However, they called me and accused me of not paying. Asking me to prove that I paid. Treated me coldly. Then when I was transferred to a manager and was talking to the manager, complaining about them, he hung up on me! 


XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. XXXX advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. Early warning have been notified i have filed disputes, they have not provided any information as to how this can be accurate. XXXX XXXX XXXX as well as early warning both have class action lawsuits in the works, and have lawsuits pertaining to this. XXXXralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both XXXX and Early warning for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
XXXX is a nightmare. I was told at closing I could make XXXX payments of my mortgage but prior to the due date. First payment due XXXX. Thus, I sent XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. XX/XX/XXXX was returned. I spoke to XXXX who informed me they dont accept payments less than the amount of the mortgage. But she could stop the second half from being rejected. I re-payed the first half over the phone. I later received a voicemail that XX/XX/XXXX was returning too. I verified with XXXX that the XXXX payment was not returned. 

I called the next day and spoke to XXXX. Rude and unhelpful. She literally argued with me and cut me off. She then hung up on me. I called again and got the same person. She argued I did not hang up, I just stopped talking to you. Both times she refused to confirm where the XX/XX/XXXX payment was. 

Then, talked to XXXX. Gave him the right SSN but wrong loan number. He still found the account. XXXX the account was found, he proceeded to lecture me on the importance of the correct loan numbers for XXXX minutes. Also, he was still not able locate the XX/XX/XXXX payment. He did inform me that if I am a payment ahead, I can indeed pay in XXXX separate payments ( with a form completed ). 

To make matters worse- now EVERY time I call, I hear this is an attempt to collect a debt, any information will be used for that purpose message. 

Collect a debt?!?! I am attempting to pay a debt!! 

In short : Where are the XX/XX/XXXX funds? 

Also, Why is the customer service so ill-informed? And why is XXXX soooooooo argumentative and allowed to continue. I am literally JUST trying to pay my mortgage ( And find out where the XXXX payment is ). We have had many mortgages, banks, stocks, investments over these last 20 years. This bank is by FAR the worst in which I have ever dealt. And the worst part is we are stuck with them for at least a year before we can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts removed

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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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