vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
To Whom It May Concern : Beginning in XX/XX/XXXX, I set out to pay off debts in collections. One such debt received a Judgement in XXXX XXXX. I contacted the collection agency, Cavalry Portfolio Services to set up a payment plan for $ XXXX. paid through XXXX XXXX when I received a payment in full letter. I was also required to set up a payment plan with their representing attorneys, XXXX and XXXX XXXX. This plan was at $ XXXX. Neither entity could tell me why I was paying them separately but I was hoping to move forward so I did. 

Following my XX/XX/XXXX payment to XXXX and XXXX XXXX 's payment portal I received my payment confirmation from their client ( Cavalry Portfolio ). On XX/XX/XXXX at XXXX, I attempted to log into my payment portal again with XXXX and XXXX XXXX XXXX determine if the debt was, in fact, paid as agreed. On this date, my payment portal was marked " Inactive '' which does not allow payment. I took a photograph of the screen for my records. 

On Friday, XX/XX/XXXX I received notification from the XXXX XXXX XXXX XXXX XXXX that XXXX and XXXX XXXX had received a Writ of Wage Garnishment for the balance of the alleged debt. At no point since XXXX and XXXX XXXX closed my payment portal in XX/XX/XXXX, did they call me and leave a message, send me a letter or email informing me that this debt was still active. Nor have they explained to me why there were two separate collections happening with their client, or why they closed my payment portal when the next payment would have been due, if I did in actuality still owe them a debt. 

XXXX and XXXX XXXX now refuse to acknowledge their error in debt collection practices and are planning to move forward with the unjustified wage garnishment ( which would create a hardship for my family ), despite my attempts to contact them directly to correct the situation for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: VA

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: MO

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Item # XXXX XXXX Item # XXXX XXXX XXXX XXXX for Deletion According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.

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 2022-03-10 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: GA

Complaint narrative:
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I have no clue what this debt is or who the creditor even is. This is not my debt, I have never saw this debt before. I have tried over and over to contact this company, dispute this debt, asked for clarification of this debt, and done everything that I can do to prove that this is not my debt however month after month there is no true and proper investigation. There is no response given to me that proves this is my debt, there is no description of what this debt even is. It says XXXX on my credit report. And this debt has been removed from my XXXX Credit report however it is still there on my XXXX. This is not my debt and I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
In XXXX of 2022 I noticed a collection on my credit report. I contacted the agency ( Southwest Recovery Services ) and was told it was for a property rental in XXXX. I did not rent a property in XXXX, so I asked them to remove it from my credit. They told me that someone named XXXX XXXX used my social security number to sign a lease and didn't make their payment in XXXX. They said they would call me back with more information so that I could file a police report. They did not call me back. I tried to call them 3 times after that ( and left messages ) with no response. Finally on the XXXX try in XX/XX/2022, I was able to talk to someone at the agency and they gave me the address of the property ( XXXX XXXX XXXX ). I contacted the property management company XXXX XXXX XXXX XXXX XXXX and explained what was happening. They said that they don't have any record of a XXXX XXXX using my social security number, and they don't lease that property, they lease a couple of properties on XXXX XXXX, but with slightly different house numbers. I sent a letter ( attached ) to SW Recovery Services, but it was returned as undeliverable. I am still unable to get a response from the collection agency and the collection is still on my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The three companies, XXXX, XXXX, and Experian continue to block reports so that companies seeking information regarding XXXX XXXX per his request can not get the access to the account because the account is blocked. 
I never have requested that the companies block the account. They do it for their on purposes. 

Today, XX/XX/XXXX, XXXX XXXX informed me that there is a block on the accounts. I did not request a block. 

Please contact the three companies and inform them that I do not request a block.

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 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I used a chimney repair service, XXXX XXXX Chimney Sweeping ( https : //avantchimney-alhambra-chimney-sweeping.business.site/ ). They sent a chimney sweep XXXX XXXX to my house. After completing the work, he refused payment by check and demanded payment through Zelle. I paid him {$1500.00} for chimney cleaning/brick repair and an additional {$200.00} deposit for a cap and damper both through Zelle. The brick work he performed was subpar and fell apart within 10 minutes of him leaving my house. He returned and attempted to repair it but made it look much worse. He also did not put down any plastic sheeting and mixed mortar in my living room leaving a mess. I spoke to his boss " XXXX '' who said he would refund me the {$200.00} deposit ( since we cancelled the cap and damper work ) and {$400.00} towards cleaning my house. I called Zelle and they refunded me the money subject to an investigation. A few days later, the money was removed from my XXXX checking account and I was told to resolve the issue with the business directly. Since then I have tried to call and email XXXX. The phone number listed on the website no longer works. XXXX, the XXXX refuses to answer my calls to his cell phone ( although I have texted him photos ), and it turns out the chimney sweep is an unlicensed contractor ( after checking with XXXX XXXX ) and perhaps works at a company called XXXX XXXX XXXX XXXX. XXXX is actually an answering service called XXXX XXXX XXXX. I would sue them in small claims court but have been unable to find an address for any of the companies involved and believe the setup to be fraudulent. I have repeatedly requested my {$200.00} deposit back plus the {$400.00} for the cleaning fee but my repeated attempts at resolution have gone nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Investigation took more than 30 days
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
This account dates back to XXXX. Around 8 years ago. This was not my vehicle, this was my boyfriends vehicle. On top of that, the car is being reported as a repossession. This car was sold to another individual however no one was ever notified of the vehicle being sold or given any information prior or after the car was sold. Further more this was never my debt, I never agreed to be financially responsible for the vehicle. This debt has been reported improperly now for over and over for more than 8 years. The last time this inaccurate debt was reported on my credit reports was just in XX/XX/XXXX. Just a few weeks ago, this is incredibly damaging to my credit and has hurt me over and over when trying to obtain credit. I have pleaded with this creditor over and over asking them to prove that I owe this debt or to rightfully remove it from my credit and they have never once provided any proof however they decline to properly prove the debt or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Myself and my husband had two accounts in wells fargo, one checking and one saving, we currently live in XXXX and never use our ATM card outside USA. In XX/XX/XXXX we had a balance of {$4500.00} in our checking account and {$2700.00}. 
In XX/XX/XXXX, I received a notification that my accounts has insufficient funds, so we call the bank and we reported that we didn't do any withdrawals or payments and that our account had fraudulent withdrawals. We had been calling the bank multiple times since XX/XX/XXXX and we haven't had any answer about our money. 
We set up an appointment on XX/XX/XXXX, to the branch in XXXX XXXX, CA, to do the claim in person but unfortunately we couldn't attend because COVID19, the XXXX XXXX border was closed for tourist. I was able to go in person until XX/XX/XXXX, and the Person in the bank told me that the claim had to be done in a period of 3 months, I did cancel all my ATM cards on that period but they said they can find any reports on their system. After several attempts, calls, and visits Wells Fargo closed our accounts and they refuse to give us our money back.

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 2022-03-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a prepaid Bank of America Visa card with about {$40000.00} on it as a result of California pandemic unemployment payments. 

Bank of America will not permit me to take the balance of all funds from the card and deposit same into my checking account at another bank. 

They will only permit periodic transfers of {$3000.00}. 

After calling Bank of America, I went to a Bank of America branch oXXXX XXXX in XXXX XXXX, California and the teller with whom I spoke asked me if I had an account at Bank of America ( no ), told me that there was a limit on my ability to withdraw from the card and that I need to get my bank, XXXX XXXX XXXX XXXX, to transfer the funds from the card into my account. I went to XXXX XXXX XXXX XXXX this week, after Bank of America, and was told that Bank of America has to transfer the funds. 

I spoke with Bank of America over the telephone twice and got different information each time. 

This seems to be an unfair business practice since Bank of America will hold onto these funds, pay no interest, until I can serially remove {$3000.00} a week from the card until exhausted. 

I read the " California Employment Development Department Digital Account Agreement '' ( effective XX/XX/2020 ) and it says nothing about a limit. In fact, it states that one can close the account by requesting a check for the balance and paying a " paper check fee. '' Please see what you can do to allow me to close this account and deposit my funds into XXXX XXXX XXXX XXXX. 

Thank you

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 monetary relief
Consumer complaint received 2022-03-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.

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 2022-03-10 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me. 
I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you

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