vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Consulting Services LLC
State: WY

Complaint narrative:
I have credit monitoring and its been active for several years. A company called ACS has left threatening messages on my phone and my parents phones. In the recordings they say I owe an outstanding debt ( I dont ) and this is going to impact my employment. The number they call from is XXXX and XXXX. Here is a transcript of the messages : This message is for XXXX XXXX ACS has tried to contact you on several occasions it is to be assume there are no intentions on a voluntary resolution is not the case we would need to hear from you prior to this affecting any employment in our bank accounts at XXXX once again the number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Paid a friend a bill for {$300.00} through PayPal, got a notification several days later that the bank denied the payment when they tried to collect. I tried it again and also called the bank which assured me there was no problem on their end, however the same thing happened another two times. Also sat on hold for a half hour with no answer. The other day I get a letter in the mail from a collection agency for the {$300.00}. I was livid, so I contacted PayPal again because it wasn't accepting my bank account or debit card. I was finally able to request money from myself for lack of a better term to add to my negative balance and pay it off. Today I have discovered they have not only charged me for that, but they have charged me an additional payment of {$300.00}. I have filed a dispute with XXXX XXXX. I feel that somebody from PayPal needs to get back to me on this because this has been unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was given an {$1800.00} usd refund by the internal revenue service for my 2020 taxes. It was transfered to, " cash app. '' During this period I requested a replacement card with the same 16 digit number on it, I believe this was done accurately because of the pending deposit. The routing numbers were not the same when I checked apon my receiving of the new card at XXXX XXXX XXXX. XXXX XXXX, California. No single dollar has been dispensed to me from. XXXX XXXX XXXX XXXX  or the Cash App... to date. I have since discontinued using the card $ XXXX. My new cash app is $ XXXX. Same legal name and social security number... please assist me in the collection of this debt. I am XXXX  in XXXX and desperately in need of this relief. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Upon review of my credit report, I noticed a collection for Spring Oaks Capital , LLC. It stated the original creditor is XXXX XXXX XXXX XXXX. Being unfamiliar wit this debt, I contacted the collection agency. I also filed a dispute with XXXX XXXX. I hadn't heard anything back, so I contacted both XXXX XXXX and the collection agency. XXXX XXXX representative couldn't offer any information. I called Spring Oaks Capital, and requested a copy of the documents pertaining to the debt. The representative claimed they were sent when I filed the dispute. I never received anything. I requested hey be sent a second time, and I was told by the representative that they " already sent them ''. After continued conversation, she agreed to request they be resent, and I again never received anything. I called back a 3rd time with the request that they send documents with tracking info so I could ensure delivery information. They refused. To date, I still have no documentation or knowledge of this debt, and Spring Oaks Capital has not cooperated in sending them. I am unsure if I am a victim of identity theft or if this is just a scam, but I do know I am entitled to review these alleged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX  has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX  Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX  has used my report improperly for long enough XXXX already deleted this account from my report now its XXXX XXXX Equifax still reporting false information for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 XXXX XXXX has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX has used my report improperly for long enough XXXX already deleted this account from my report now its Experian XXXX XXXX still reporting false information for years.

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 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
According to my credit report the account was opened XXXX and had a total balance of XXXX. The current balance according to what AMEX is reporting on my credit report is {$1500.00} as an unsecured Loan, Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These above dates and numbers are what are currently being report on my credit report per XXXX, XXXX, and XXXX verbatim The many times that i've spoken to both customer service department, the credit bureau division, the collections division and management for 4 consecutive weeks they have all advised that each department No longer has access to this account. Each branch is suggesting that they once had possession of this account and has since been transferred several months ago to another division to have it serviced. 

I have had several managers document this frustrating matter under my social security # and suggest it will be escalated to the property department. 

Each department claims they no longer are serving this account. IF i need to include the account number let me know?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Financial incorrectly reported to the credit bureaus that my XX/XX/2022 payment was late ( it was not ) and then reported the balance of my loan ( XXXX left on a {$27000.00} loan ) delinquent. This is destroying my credit.

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 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have a balance in my paypal account and I want to transfer it into my bank account, but paypal keeps telling me there's a problem and they can't complete the transaction, without saying what's the problem. I tried its online assistant, but no such topic at all and not allowed to type this problem. I even can't find their email address to report this problem and their phone customer service was terrible. I just want to withdraw my money, if there is a problem, please indicate what's the problem, rather than just repeating 'there is a problem like an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I requested a temporary suspension of payments with Speedy Cash on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. Speedy Cash responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor Speedy Cash was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, Speedy Cash appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
For whatever reason my scores are so much lower with XXXX than the other two reporting agencies. They have me at XXXX whereas Im at XXXX on XXXX and in the high XXXX with XXXX. I dont get it. It doesnt seem to move. I had asked them last year about my score. They said a previous mortgage company gave me a bad score. I got rid of them for harassing me via XXXX deliveries almost daily to refinance my home through them. And my bank sent a double mortgage payment in error and they would not send it back electronically. They made me wait for weeks to get it back. I informed them at that time I would refinance with someone else if they held back with my money. Ive never heard of this company until they started soliciting for my mortgage via mail at first. And some how they were able to take over my mortgage. If I knew about CFPB I would have filed a complaint against them. At this time I received a letter from them a week and a half ago saying their data was breached and my personal information was compromised. Lake View XXXX  XXXX is there a way to have my personal removed from companies I no longer use? Cause at this point Ive been advised my ssn is on the dark web. I have security freezes and other security measures on my credit through the credit bureaus.

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 2022-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I applied and was accepted by PNC bank for HELOC. When I am ready to draw the funds from the HELOC they will not honor the rate shown on PNC 's official website calculator. The PNC customer services state the rate shown on their website is for new customers only and since my application has been approved, I am no longer a new customer. I felt they use the bait and switch method to get clients to sign up and then not offer them the best interest rate as advertised. PNC is not being transparent and upfront about their rate and did not disclose all the proper important information to their employee and their client. When I spoke with PNC bankers who specialized in HELOC, they were not aware of the difference rate between new and old clients. I just sign up for HELOC and have not drawn from the account yet so I should be considered to be a new client. From the date, my application was approved to today PNC is never upfront and transparent about the monthly payment, they want me to draw from the fund and finish the paperwork then wait one month later then I will be able to know the monthly payment. 

I signed up for a {$700000.00} HELOC on XX/XX/2022. 

PNC never disclose to me that the best interest rate is on the day of my signature which is the one and only day PNC will consider me as a new client. I have to learn that the hard way and this is something PNC local branch staff is not even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  # XXXX, has violated my rights. 

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: OH

Complaint narrative:
Gregory Funding purchased Mortgage from XXXX XXXX XXXX XXXX. Gregory increased our escrow by over $ XXXXyear stating XXXX XXXX did not pay our property taxes and that we were in arrears. I requested and RFI from XXXX XXXX and the document confirms taxes were paid in XX/XX/XXXX ( due XX/XX/XXXX ) {$4100.00} and XX/XX/XXXX there was an escrow disbursement of {$4700.00}. During the RFI process we were also charged {$2500.00} in legal fees for which XXXX XXXX will not provide details of. They responded that we would have to inquire with Gregory Funding what the legal fees XXXX XXXX charged, as they are no longer the servicer of our loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, has violated my rights. 

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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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