vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX put a hold on my chase acount and I had made my payments like my car and credit card before XXXX XXXX made there hold on my account and chase start to bounce the payments that I already made.. all off them but one the chase prime credit card .... now I'm on the red. All the payments are coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete.

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately.

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected.

Thank you for your attentiontothismatter.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for probably 20 years. It is currently active and within the last months have charged purchases through XXXX which are charged to my credit card. 
Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. HOWEVER, it now demands that I give them my cell phone number and will not log me in without it. Their web page does NOT provide an option to skip it. I am stuck. 
They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. This is a violation of privacy.

And what if one does not have a cell phone number? Permanently locked out.

Further, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' So they are violating their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: T.S. Holdings
State: PA

Complaint narrative:
IQ Data International, has posted two separate accounts reporting on my profile that I dont recollect opening. Ones from XXXX XXXX, Nj posting on XX/XX/2023 and XX/XX/2023 for {$970.00} another account under IQ Data INC is showing a XXXX XXXX XXXX, NJ on XX/XX/2023 with two balances of {$1800.00} the other shows {$2600.00} with zero delinquencies for late fees I didnt open up any accounts in XX/XX/2023 or have any accounts linked or associated with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness. 

The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt. 

Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}. 

Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt. 

Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}. 

Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information. 

Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}. 

Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
When traveling an obvious fraudulent purchase was place on my Chase credit card from a store for over XXXX XXXX. When I disputed the charges Chase sided with the merchant who provided a receipt with my " signature '' which was transposed from an XXXX and even had a print out that was suppose to be from me with my own name mispelled. Chase also never sent me notifications that a purchase was ever made ( unlike every other puchase that is made from that card. ) Called the merchant and chase XXXX multiple times and the charges were never revsersed. Again this was a single purchase of cosmetics for over XXXX XXXXXXXX for product that I did not buy. 

XXXX XXXX is a Merchant scam. But Chase should stand behind their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: P&B Capital Group, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and l am experiencing constant attempt by a person named XXXX XXXX from P & B Capital Grop LLC. Urging me to contact him to avoid delinquent trade line report. Which, I have no idea what this is all about. 
Below is the text message sent to me today XX/XX/2023 at XXXX from a phone number ( XXXX ) XXXX. 

I have in the past have been the subject of scammers and I do not wish to make calls to persons such as XXXX when I have no idea why I need to make contact. 

XXXX XXXX, please call P & B Capital Group LLC at ( XXXX ) XXXX for file # XXXX to avoid a delinquent tradeline report. Stop to Stop Thank you for your assistance. 
XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Data Mortgage Inc.
State: CA

Complaint narrative:
Dear CFPB, IM writing this letter because I'm afraid and exhausted of dealing with ESSEX Mortgage. It is now over 6 months since i applied for a loan modification on my loan ( loan # XXXX ) since then ESSEX Mortgage keeps telling me someone is reviewing my application and after a few weeks. 
ESSEX Mortgage tells me they lost the application and i need to re apply all over again. I am very frustrated since today i spoke to XXXX from the Loss Mitigation department and she told me they lost my loan modification and since they dont have it on file ill need to apply all over again. 
It didnt make sense so i requested for her supervisor and she hang up the call. However right before XXXX hang up the call she told me ill never get a loan modification on my account because i dont deserve it. 

Please help this is unacceptable ESSEX Mortgage/LOSS mitigation dept keeps doing this to me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Supposed " debt '' is with XXXX XXXX XXXX, and they have been made aware on multiple occasions that their bill is under dispute. I was forced into a dangerous procedure that I did not need after 12 hours of pressure from multiple doctors, proven by the fact that the results of the procedure came back negative. They would not let me leave my hospital bed until I agreed to the procedure. Despite disputing this one particular bill for {$290.00} for this procedure, I have paid other bills that I received for the proper treatment I did need ( iv fluids etc. ) that day on XX/XX/22. Also note that the XXXX XXXX assessment of being out of network is incorrect, since the facility itself and other doctors at the facility were not out of network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
This is the feedback you requested from me about my complaint XXXX. With respect to my latest complaint, XXXX, the company ( Western Union ) stated that they would not communicate with the XXXXXXXX XXXX XXXX XXXX regarding the missing {$1000.00} I sent to XXXX through Western Union in XXXX. The money is still missing, and I have no definite statement from either XXXX or WU about what happened. 

XXXX denied receiving the money ( the receiver also denied ), and insisted on having the XXXX number so they can track it down. 

Western Union finally did provide that number, which I sent to XXXX. 

Now XXXX said that was not enough and wanted to communicate with WU. I thought this was a good sign. But WU refused to communicate with them. My feedback is my latest complaint about that refusal. 

So I am puzzled as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and these inquiries listed on the report were never authorized by me. I tried reaching out to the credit bureau and they say that they can't help me to remove, but this is something i never authorized. Inquiries are XXXX  XXXX, XXXX, XXXX  and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are unknown unauthorized addresses and inquiries I did not authorize coming from Experian consumer report. Please block and delete the following information : XXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been receiving updates from credit reporting agencies showing delinquent and inaccurate information being reported on my credit files. I have been a victim of identity theft for over 10 years, and I have provided proof on several occasions to prove this claim, such as police reports, FTC reports, OPM letters, social security card, ID, and proof of address. Accounts appeared inaccurately on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX for the amount of {$62.00}, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX for {$10000.00}, XXXX ; Discover Bank for {$12000.00}, and XX/XX/XXXX XXXX XXXX XXXX for {$6000.00}. I have filed several disputes with XXXX, XXXX, and XXXX about the inaccuracies, and nothing has been done in reference to the misleading and inaccurate reporting on my personal credit files. As a result, my credit reputation is being ruined and I am unable to gain a trustworthy credit history with companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
XXXX XXXX XXXX opened up a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account using my information on XX/XX/XXXX. On XX/XX/XXXX XXXX asked me if she could open a second account for herself with my name. XXXX stopped paying on this card once I said yes if she would be responsible for the payments of the said new card unbeknownst to me because this was not a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
DEAR MR. COOPER / NATIONSTAR ; I was shocked when I reviewed my credit report and found late paymentS on the dates below : XXXX, XXXX, XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX  with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXXXXXX XXXX.Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bought tickets to an event that was a scam. It was a safety hazard, started late, ticket line was 4-5 hrs long, and security line was another hour. The third party ticketing site said they will buyers guarantee but did not honor their policy since the event was not as described. I eventually got into the event at XXXX and the event ended at XXXX, but left early anyways due to overcrowding and security hazards.

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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
DEAR XXXX ; TRANSUION ; XXXX, AND CFPB ; There are 3 accounts that i been trying to dispute 3 negative items on my credit report such as XXXX XXXX, XXXX ; and XXXX that continues to report inaccurate, incomplete and erroneous. 

Plus Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible.

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 2023-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX  I paid my account off to make another purchase. And they stated they are holding my {$300.00} dollars I paid until XX/XX/. This never happen before they said I made 3 payments on the account. Because I usually pay off my purchase. When I contacted them about this they transferred me to my bank. I did not feel comfortable with that transfer because Target have a lot of data breaches and I did not know for sure who they transferred me to. I am just trying to use the card I paid off for another purchase and this seems illegal to hold funds they already took out my account immediately when I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Received a letter from Credit Collection Services stating they are trying to collect a debt that I owe to XXXX XXXX in the amount of {$1600.00}. I never opened an account with XXXX XXXX. The only account I have is for internet services. My cellular phone service that I have is with XXXX XXXX XXXX and has been for the last 15+ years. I filed a report with the FTC for identity theft and I am in the process of placing a freeze on my credit with all 3 credit bureaus. I am waiting for a return call from XXXX XXXX so that I may gather additional information as it relates to this fraudulent account that has been opened in my name. I am currently reviewing my credit reports from all 3 credit bureaus to identify any other possible fraudulent behavior. 

Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX www.ccspayment.com Reference XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation