vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I started getting a phone call from this company who would not let me speak. They demanded that I verify myself and they threaten to sue me. If I didnt verify myself my credit report is completely clean. I do not owe any debts Furthermore, they never contacted me by mail first which is a violation Secondly, no one gave them permissible purpose to contact me. Im sure there are other violations to be said.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX I received 6 calls from CHASE BANK while working a shift. 5 of the calls I ignored around XXXX pm. The 6th call around XXXX PM I answered simply by being annoyed and assuming it was something important. The female caller introduces herself as CHASE BANK, the same as it showed on the caller ID. She then stated that there was a charge that was being made on my account in XXXX Arizona and they wanted to verify if it was me. I responded with a no, but it's believable because I just traveled from XXXX XXXX two weeks before I got the call. She proceeded to verify my name and address to gain my trust. The female caller then suggested a PIN reset to protect my account. Before the reset, she texted me a six digit code to verify it was me. The message popped up at the top of my phone. I read what popped up & provided it to the representative. I did not read the text in its entirety because again, I was busy at work. The representative then thanked me for the verification and then stated, " In order to do the PIN reset I need you to verify your current one. '' I verified, not thinking too much into it because my physical card was on me. She then provided me a new PIN and closed the call by saying, " Thank you for being the best part of CHASE, have a great day. '' Around XXXX that same day my account was emptied, which was a total amount of XXXX dollars. I called Chase THAT SAME DAY to report the scam. The case was open for two weeks and then CHASE credit the funds to my account. A week later. on XX/XX/XXXX, the credit was reversed and CHASE simply said ... " We wouldn't call and ask for your information. So since you gave them your PIN we denied the claim. '' They directed me to police department for a police report. I faxed CHASE a copy of the police report and printed out a copy of all 6 phone calls I received on my phone from a CHASE bank number. The bank still refused to credit the funds despite having a " zero liability protection '' for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was scammed buying a friend of mine who sent me roughly {$1500.00}, that was already supposed to be his tuition for school. A few weeks later this friend moves out of state and reports to PayPal that I sold him a bad product when I never sold him anything. I just made him he disputed most of the transactions with PayPal and to get the money back which PayPal charge me for this and took my money as well the whole {$1500.00} on top of that, that left me with only {$240.00} which has now gone down to {$210.00} which PayPal has placed on 180-day hold and permanently limited my account. I brought this to PayPal 's attention and I still am being punished to show the person who should be punished and the person that is at fault the top of that they're refusing to release my funds to me so they can fully close out my account just want my money I want all {$1500.00} of it but hey I'll be happy with my {$240.00} that I got left with. How did that {$1500.00} {$500.00} of that was mine and that was before any money got sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the delinquency of payments on my account. I woke up this morning, XX/XX/2023 to a -77 hit to my credit score over a charge of {$120.00} that I am just now finding out has been assessed to me since XXXX. I spoke to a representative at XXXX that claimed they had sent me letters to indicate my balance that was due to two parking tickets that had been assessed directly to my car. I have never had a ticket assessed directly to my car in 10+ years of leasing, so this is new to me as well. 


XXXX also claimed they had called me twice since XXXX to let me know but could not leave a voicemail due to regulatory laws in my state. If they couldnt leave a voicemail and I have not actually been receiving collection notices, how am I to know that I owe money that would ultimately result in such a significant penalty? Also, the account shows my balance is only 18 days overdue, so if these charges have been assessed since XXXX, wouldnt it show a longer delinquency? 


Nevertheless I have since been paying my car balance down regularly with no actual communications to me that I had been delinquent. 


I have attached proof from my bank account and with Trans Union that I have been paying down the balance of my lease monthly at the beginning of every month and have been in good standing this entire time. I also am hoping that my overall good standing with my credit/finances can be taken into consideration at this time. I have never been late with a credit card payment, student loan payment in 10+ years, I have leased 4 different cars with XXXX and have never missed a payment there either. 


I believe this has been a miscommunication over a seemingly small amount of money that I would have paid had I been properly notified of the charges. I have attached payment of the outstanding bill as well. I have worked my entire adult life to maintain a good credit score in hopes to buy a house, and I am hoping this small issue does not set me back and this hit to my credit score can be removed and my original credit score can be restored. 


Thank you so much for hearing my dispute. 

Sincerely, XXXX 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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Prior Reference : XXXX In XX/XX/2023, I planned to pay-off my mortgage after my HAMP was applied. SPServicing has a website that does not actually allow contact or interaction. I sent emails and eventually I was told to request the pay-off letter on XX/XX/2023. A document was posted XX/XX/2023. I used my bill-pay system to send {$2000.00} for closeout. I realized they must have all funds and I EZ paid the last {$300.00} for a total of {$2300.00}. I called because I require the letter stating I have satisfied the account. I even sent a request to the Ombudsmen. 

On XX/XX/2023, I called because I required the notice to move forward on an action. I was told that since I did not send certified funds, the funds were posted regularly. The representative stated that they will send a request and it will take 72 hours. I took three business days. This placed a delay on my actions.

I called this morning, now the representative states it will be ten days and my mortgage is not considered paid. I said I knew where to contact and hung up. 

This company will have consumers on automated called for payments even when they are not late. Now, that the mortgage is closing, SPServicing want to delay the process. I understand there are steps, but they have verified funds and could acknowledge the completion of payments. 

The Ombudsmen never responded and I fear they will not attempt to make the correction. I was specific that I needed just the completion letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-07-12 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: PA

Complaint narrative:
Hi I am contacting you guys in regards to the reporting agencie experien has locked me out of my account & will not let me accesses my credit report. At this time I am a victim of credit fraud. I have already took all the step directed by the FTC. XXXX XXXX & XXXX has already let get my report and update my information to avoid the fraud from keep happening. I have tried multiple times calling experien but I can not get to a representative. I also tried to reset my password and any other verification I could do to get into my account to view & update my report contact information. Experien is denying me accesses to my report while I am trying to fix this fraud thats on my credit reports.

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 2023-07-12 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: PA

Complaint narrative:
Please note that XXXX XXXX has corrected the bankruptcy error on my credit report with them. Equifax and XXXX have given written notification that they both received the information from XXXX XXXX. I have submitted the supporting documentation I received from XXXX XXXX to both bureaus and both Equifax and XXXX refuse to review the documentation and update my reports. 

Equifax went on further to send written documentation that both the Federal Bankruptcy Court and XXXX XXXX confirmed the accuracy of the tradeline to them on XX/XX/2023. I am unsure which portion of the court was open to confirm especially since this is a legal federal holiday. State and Federal buildings are closed on this day along with banks. 

Both bureaus have stated XXXX XXXX has not reported this information to the bureaus per the 5 days they have to correct the error and we are now going on almost 120 days.

Per CFPB " Consumer reporting agencies have 5 business days after completing an investigation to notify you of the results. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have an account with B J 's Capitol One the last XXXX digits are XXXX. I spent XXXX hours trying to get a replacment credit card. I was unable to interface with the technology at Capitol One. THis means I can not identify my self to their satisfaction and I will not be receiving a new card with the old number. I am charged {$55.00} each year for my BJ ; s ' memberhsip. Capitol One uses the permission I granted to BJ 's to charge the membership to XXXX XXXX. TOday speaking with XXXX for XXXX minutes I was unable to verify that the {$55.00} was refunded via my XXXX XXXX account. 
THe case number is XXXX. I do not want a Capitol One account of any kind. XXXX was eithe unable or unwiling to verify that the refund had been issued. This type of scam happens more and more with consumers. Yes we live in a digital world but companies must deal with consumers and resolve problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My Equifax credit report had both a bad address and a valid address with a last-lived-at date more recent than it should have been. I was able to dispute the bad address, but there's no way in their app to dispute the last-lived-at date for an address. There's also no way to contact them online. I called them on the phone and navigated a long, complex automated phone menu system, at the end of which the system said it was unable to verify my identity and refused to let me speak to an agent. It offered to provide me instructions for contacting them via fax or mail, but when I asked for fax instructions, it said basically, " Ha ha just kidding, we don't actually accept faxes anymore, you'll have to use mail instead! '' and gave me mailing instructions instead. At this point I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed this account with XXXX XXXX XXXX XXXX back in late XXXX that appeared to have been opened without my knowledge or consent. I am deeply concerned about the fraudulently activity associated with it. I have also contacted the major credit bureaus about placing a fraud alert on my credit file and I will be freezing my credit to prevent any further unauthorized accounts from being opened in my name. I would like to emphasize that I have never applied for or authorized the opening of this credit card account with this company. It is clear that this account was established as a result of identity theft, and I am eager to resolve this matter promptly.

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 2023-07-12 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: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Discover Card, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY FICO MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ TRANSUNION AND XXXX ] REPORTING OLD OUTDATED FICO MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND TRANSUNION IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY FICO. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My report shows about 15 missed payments on my vehicle however I still have the car and payments are current.

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 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Hello, I was recently contacted by Midland Credit Management about a past due debt charged off by XXXX XXXX. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called XXXX and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} MCM Acct # : XXXX XXXX Acct # : last XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent in documents to report inaccurate information on my credit report. I sent in all the same documents to all 3 bureaus. I have contacted Transunion multiple times over the last 4 months. Each time I have contacted them I receive a run around. They Have told me that they haven't received any documentation which is untrue because they removed one of the accounts that were inaccurately reported. And if they removed that account that means they received all of my documentation. When I spoke to a representative in XXXX they told me they had to open up an investigation which would take 5 business days. I contacted them a week and a half later and they told me they were still investigating. Towards the end of XXXX I received documentation in the mail stating they needed my social security card to verify me. I sent that in on XX/XX/XXXX. 
I contacted them yesterday and the representative told me that there was nothing they could do and they couldn't remove any inaccurate information off of 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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Every year my servicer, Select Portfolio Servicing ( SPS ) sends me a letter about my PMI. The letter clearly states that under the Homeowners Protection Act that I can request for my PMI to automatically terminate at 78 % of the original value. Since I have hit that mark, I have attempted twice for them to drop it. Each time I'm told that I need to pay for an appraisal of the property, which is against that their letter states. An appraisal costs ~ {$600.00} and I pay $ XXXX/mo in PMI, so the break even point is not enough to pay for an appraisal. 

I've attached both the Annual letter they send regarding the PMI, and the denial letter telling me they never received funds to pay for the valuation. 

Should the PMI drop off at 78 %, or do they have the right to require that I pay for an appraisal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: LA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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