vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 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: NV

Complaint narrative:
Experian REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

EXPERIAN REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. 

EXPERIAN DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To whom it may concern, Midland Credit Management is Still Reporting Inaccurate and Incorrect information on my Credit Report although I contacted Them Previously on this same Matter. They Deleted Another account for a Lesser Amount but Refuses to Delete this Account # XXXX for {$1700.00} I need this Company to Send another Letter to myself and All Three { 3 } of the Credit Reporting agencies Stating that I Do not have an Contractual Agreement with them and To Delete all Fraudulent Inquiries of my Credit Report I will be Attaching The very First Letter sent out also The Letter they Sent to me Only Deleting the LESSER AMOUNT for {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, my Citibank Visa anywhere Costco card was fraudulently charged for $ XXXX. I reported the fraud charge when the charge showed up on the Citi cards App on XX/XX/XXXX. Initially thought i had the credit card with me But after the fraudulent charge showed on the App, i realized that i had lost the card. 
Citi bank denied the fraud ( XXXX called me on XX/XX/XXXX ) & told me to contact the merchant. I told her that i don't recognize the merchant or the charge so how can i contact the merchant? 
Call the Citi bank the next day & talked to XXXX XXXX XXXX ( supervisor ) who advised me on XX/XX/XXXX to open a dispute case - XXXX PST & asked me to file a police report and open a dispute case. XXXX looked up the merchant and there is no telephone listed for the merchant & gave me the address of the merchant which was listed. 
I filed the police report # XXXX at XXXX XXXX XXXX XXXX Tel # XXXX ) and opened a dispute case # XXXX with Citi bank. Police Report details were provided to Citi bank representative XXXX on XX/XX/XXXX at XXXX PST. I was told that it can take two billing cycles or more to resolve the dispute case & to call/look for update on Citi cards App after two months. 
Meanwhile I paid the credit card bills which included the $ XXXX charge. 
I called them for dispute status on XX/XX/XXXX ( talked to XXXX, XXXX, XXXX XXXX and was told that it would take another 2 to 4 weeks. 
Called the Citi Bank XXXX XX/XX/XXXX XXXX PST & talked to XXXX XXXX Dispute Dept ) & explained the whole scenario and was told it would take another 2 weeks. 
Called Citi bank on XX/XX/XXXX XXXX PST, talked with XXXX XXXX Dispute dept ) and XXXX Supervisor and explained the whole scenario. 
Received an email from Citi bank on XX/XX/XXXX that said that they can not open a dispute for this transaction as its more than 60 days old. 
Called Citi bank on XX/XX/XXXX XXXX PST- requested the case be escalated & talked to XXXX ( manager ) and explained the case again. She said that she would ask the XXXX who is the investigator on the case to call me on Tuesday XX/XX/XXXX. But i have not received any communication from the investigator as of today XX/XX/XXXX. 
I have run out of options with Citi bank and would like to file a formal compliant with CFPB to get this resolved.

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 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Today I spoke with the COMPANY CREDENCE RESOURCE MANAGEMENT REPRESENTATIVE XXXX XXXX they informed me that I had an XXXX XXXX in the amount of {$190.00}. and it has been placed on my consumer report dated XX/XX/2023 this company has stolen my identification, they have placed the fraudelent account on my consumer report without notifying me by phone or written communication per 15 usc 1692 c ( b ) they are supposed to have communicated with me before placing anything in collections on my consumer report. They also informed me that they are debt collector agency which is also a violation of 15 usc 1692. They have not only violated consumer law they also have committed identity theft as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: NY

Complaint narrative:
In accordance with the Fair Credit Act XXXX  Account # XXXX Department of Education XXXX XXXX, Account # 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.

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal, I am writing to appeal the permanent limitation placed on my PayPal account, which I believe to have been a mistake. I would like to respectfully request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always complied with the terms and conditions of your service, and have never engaged in any fraudulent or suspicious activities. I have been a loyal and responsible user of your platform for a long time, and it is therefore deeply concerning and distressing to me that my account has been limited. 

I strongly believe that this limitation was a mistake, and that there has been some misunderstanding or error in the assessment of my account. I am therefore eager for you to re-investigate my case thoroughly and to consider any evidence or information that I can provide to support my appeal. 

In light of the above, I would like to request that you restore my account and lift the limitation that has been placed on it. This would enable me to resume using PayPal for my transactions and to continue benefiting from the many features and advantages that your service provides. 

I appreciate your attention to this matter and would be grateful for any updates or information you can provide me regarding the status of my appeal. If you require any further information or clarification from me, please do not hesitate to contact me at the email address associated with my PayPal account : XXXX. 

Thank you for your consideration. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
On XX/XX/2023, company ( Iq Data International ) reported a outstanding balance of {$840.00}. Upon speaking with management, I now have a {$0.00} balance. I have documentation and a letter from management stating I have a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: GA

Complaint narrative:
PLEASE SEE XXXX

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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My home went into foreclosure and I called on XX/XX/XXXX  to get a forebearance or other steps to stop the sale scheduled for XX/XX/XXXX  at XXXX. I was assured by my contact at Shellpoint Mortgage Servicing ( XXXX XXXX ) at XXXX on XX/XX/, that I was approved for a forebearance and the sale on XX/XX/XXXX  would be stopped. I found out Friday XXXX  at XXXX that my home had been sold. I've tried repeatedly to get Shellpoint to correct this, the purchaser of my home is willing to stop the sale as long as they get a refund of the money they paid. I'm being given a run-around by the Shellpoint reps and my point of contact ( XXXX XXXX XXXX is no longer taking or returning my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 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: NV

Complaint narrative:
TRANSUNION REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

TRANSUNION REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

TRANSUNION IS VIOLATING MY RIGHT TO PRIVACY TRANSUNION DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of Covid19 employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, XXXX, and Equifax, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of XXXX employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all XXXX bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, Experian, submitted disputes to Experian, XXXX, and XXXX, all to no avail.

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 2023-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Since XX/XX/2023, I have been trying to get my mortgage loan recast. Every time I follow instructions and submit the request, it is not responded to in the timeframe provided by XXXX. I follow-up with customer service and am given various reasons why my loan can't be recast ( e.g., it must be a certain number of days after loan settlement -- though that number changes with each request ). I then resubmit using the timeframe provided, my request is ignored, and I start the process over again. My latest recast request was emailed, following AmerHome instructions, on XX/XX/2023. I was told AmeriHome would respond in 7 - 10 days. They did not, so I followed up with a message via the AmeriHome portal on XX/XX/XXXX. That message was not responded to. On XX/XX/XXXX, I messaged using their online chat but was told I could only ask my question to the loan modification department since that's the department that handles recast requests. The problem is that consumers are not permitted to speak to this department -- I've already tried this on numerous occasions. AmeriHome will set up an appointment with someone from that department ( they say someone will call you within a 3-hour window ) but they don't. So AmeriHome has created a fake system. Yes, you can submit a recast request. But your request will be ignored and then when you follow-up, you're told to resubmit, and then that request will be ignored, and then you're told the only way to resolve your situation is to contact the department that's doing the ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to express my dissatisfaction with the permanent limitation placed on my PayPal account under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to state that I have not violated any PayPal policies. I have always used my account in a responsible and ethical manner, and I have never engaged in any fraudulent or malicious activities. Therefore, I strongly believe that this limitation is unjustified and should be removed immediately. 

I understand that PayPal has policies and procedures in place to protect its customers, and I appreciate the efforts that PayPal takes to ensure the security and integrity of its platform. However, I believe that in my case, a mistake has been made, and my account has been unjustly limited. 

Therefore, I respectfully request that PayPal re-investigate my case and restore my account if possible. I would appreciate your prompt attention to this matter and hope for a positive resolution. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Today, XX/XX/2023, I received an email alert from my bank about a new credit inquiry from Lender : XXXX. I immediately called one of the three credit reporting agencies to report this as fraudulent acivity, Experian. Experian took my number so I am notified of each time an inquiry is attempted. They also recommended I get in touch with Lender : XXXX as also FTC.GOV so I called XXXX ( XXXX XXXX XXXX XXXX only to find out that my information was obtained by one of the three credit reporting agencies. XXXX obtained my information and did a soft credit check to let me know I am prequalified. I've never been interested in purchasing from XXXX and my time has been wasted. I truly thought someone was committing fraud but it was the immoral practices of two institutions playing with consumer information that should be secured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17 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: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
On XX/XX/2023, I submitted complaint number XXXX involving Choice Recovery aka Wakefield & Associates XXXX I received an email from CFPB on XX/XX/2023, stating the company has yet to respond to my complaint. On XX/XX/2023, I received an additional email stating that the company this now investigating my complaint and I should have the issue resolved within 60 days from my original complaint which was XX/XX/2023. On XX/XX/2023, I received a notification that Wakefield & Associates had yet again reported a derogatory mark on my credit reports. Then shortly after I received a letter in the mail requesting me to settle with them. 

My question is if this account was being investigated why and how could the company still destroy my credit and then try to get me to send them money? What part of the investigation is this? The company never addressed the issue at hand about violating my rights. Under { 15U.S.C. 1681e } Nor was the issue addressed regarding the company adding additional fees to the balance. In order for fees to be assessed the company must receive permission from the courts to do so. The company has exceeded the allotted time to respond. Which is 60 days from the filing of my original complaint. Meanwhile, I'm unable to receive approval for a mortgage because this has been lingering for two months. How can this be? CFPB is here to protect consumers from these deceptive practices. This is a XXXX of injustice to further allow this company to violate these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
The XXXX toll roads imposed a toll on us for {$15.00} and payment was made for this amount. Then a notice was received by the law firm Linebarger Goggan Blair & Sampson stating that check payment for {$15.00} received on XX/XX/, however, the notice was transitioned notice 2 on XX/XX/. This generated an additional balance forward of {$3.00} which was immediately sent to collections without sending us an invoice. Now it states we owe {$100.00}! Verification and validation was requested but there is nothing we received that validates this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a checking account with Truist Bank on XX/XX/2023. I made {$500.00} opening deposit to this new Truist account. The account I transferred from to make this opening deposit showed that {$500.00} was transferred to Truist on XX/XX/2023 Starting from XX/XX/2023, I couldn't access my Truist account online. I called them first as their website stated " Your online access has been restricted for security purposes. To resolve this issue, please contact the Truist XXXX XXXX at XXXX. '' The representative told me on phone that I needed to go to a branch. I then visited their branch the same day. I was then told that my account was closed but they didn't give me back the {$500.00} opening deposit. 

After 2 weeks, Truist have never returned my opening deposit of {$500.00} still. Additionally, Truist has added an item to my XXXX report which could harm my credit report and future application for accounts/cards. 

I am requesting Truist to return my opening deposit of {$500.00} and remove the item from my XXXX 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