vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Collection Services, LLC
State: NY

Complaint narrative:
I owed a debt of {$110.00} from XXXX XXXX XXXX ( as per XX/XX/XXXX statement ) that I paid off in XX/XX/XXXX. I spoke with a representative from the company who processed my payment and sent me an email at XXXX with confirmed payment/receipt. I received one or two calls from the debt collection agency Receivable Collection Services , LLC ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) stating that I owed the debt. I then called the PT company once more to confirm that the payment was made and they stated that they will escalate to management because it was still coming up. Receivable Collection Services then called me again and left a voicemail and I called them back. 

I called the office on XX/XX/XXXX at XXXX ( and spoke until XXXX ) to a debt collector named XXXX. I explained that the debt was already paid. She confirmed after looking through her records that, in verbatim, the " collection agency has received the payment of {$110.00} and will be posted and closed today. '' However, I received another called on XX/XX/XXXX at XXXX from a debt collector named XXXX who left a voicenote stating that he is calling to collect a debt. I called back at XXXX and spoke with him until XXXX. Similarly, he confirmed that after looking through records that the debt was already paid and that he is unsure why it is still showing up. He stated that he " will escalate to management and get it sorted out with XXXX XXXX XXXX ''. I stated that I can send the receipt from the company I owed as needed, and also asked if I can be provided with a confirmation email. XXXX stated that, " he can not send an email but will send a follow up call regarding the status ''. 

It is XX/XX/XXXX and I have not heard from the collection agency. However, I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX, the Director from the agency, stating that the debt still continued to be owed. This has led me to file a complaint due to the lack of communication between the company and debt agency in resolving this case, after speaking with two debt collectors who confirmed the payment was made, and also having a paid confirmation receipt/letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
there was a Target ( XXXX ) opened in my name. There is a {$5000.00} credit limit with 26.5 %

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23 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: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/2022 PROCOLLECT , INC added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, PROCOLLECT , INC violated my rights as a consumer and Im requesting legal action to remove this account 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 explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I deposited a check worth {$1500.00} from XXXX of XXXX to my savings account, at Bank of America. My account history shows the deposit was posted BofA then adjusted the deposit and removed the entire amount from my account, WITHOUT ANY NOTIFICATION OR EXPLANATION. 
I called BofA to find out why this was done, and was told that it was never deposited. Complete lies on their part This is completely unacceptable.

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 2022-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I was a victim of XXXX scam for a total amount of {$3800.00} and I explained the issue with my bank and they have yet to refund me. Im a current XXXX  XXXX  with no income and now suffering financial and have issue paying my monthly bills XXXX XXXX XXXX XX/XX/2022 {$560.00} XX/XX/2022 {$1000.00} XX/XX/2022 {$800.00} XX/XX/2022 {$800.00} XX/XX/2022 {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a credit alert on XX/XX/2022 stating someone just viewed my credit, I proceeded to add a Freeze on my credit report. I contacted XXXX on XX/XX/2022 after I noticed both inquiries from XXXX. of XXXX XXXX and XXXX XXXX that weren't mines and spoke with a Supervisor by the name of XXXX who suggested I fill out a FTC report and fax this form over to have the 2 inquiries removed from my reports. I sent over the FTC report with my I.D . and social security card and the inquiries are still on my 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 2022-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was sickened by report number XXXX! This should be illegal, OH WAIT, IT IS! Experian received gains and benefits from knowingly transferring identification documents, authentication features, and/or a false identification document knowing that such document or feature was stolen or produced without lawful authority, therefore, committing identity theft. ( 18 U.S. Code 1028 ) Experian is grossly violating federal law against me the consumer by continuously ignoring 15 U.S. Code 1681 subsequently eroding public confidence. Experian is operating in an unfair and inequitable detriment to me, the consumer. Experian continues to act with no regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681 Also, by Experian ignoring 18 U.S. Code 1028, Experian has received value and gains by transporting information for the unlawful assembly of inaccuracies resulting in its identity theft, it being without my written permission and without my instruction. Experian tried to intimidate, inconvenience, and enslave me and bully me to walk away from my rights. Experian ignored the law and prevented me from enjoying my consumer rights. Experian made it hostile for me the consumer to make contact with it. Experian 's unlawful assembly is a subsequent identity theft that has hurt my being. Experian 's improper utilization violated Federal Law and me as a consumer by causing me to unfairly lose many opportunities and vast resources. Experian 's agents rudely led me in circles only to come back and deny the grave duty Experian has as a Federally regulated entity.

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 2022-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NJ

Complaint narrative:
There has always been an issue with the escrow account since I closed on this mortgage nearly 3 years ago. Most recently in XXXX I received my tax bill, noticed an error and contacted my municipality tax assessment office. That issue was quickly and easily remedied and I received a new revised tax bill which I sent to dovenmule. I showed them the proof that the bill they had due for my 3rd quarter was incorrect and they made 2 payments anyway, one correctly and one in excess of over XXXX in overpayment. I told them and they said there was no error. I confirmed with the tax office that they received the overpayment and would have to send it back to dovenmule. I contacted dovenmule with my concern of overpayment affecting my escrow and they assured me that I was not due for escrow assessment. I just received an assessment raising my monthly payment by {$500.00} for a perceived shortage that does not exist. Currently they have overpaid my taxes by over {$2000.00} and they projected tax payouts for XXXX are incorrect by another {$2000.00}. This is the 3rd time that they get my taxes due from a third party and will not accept my municipality tax office as proof of the correct amount due. This is an unnecessary hardship on my family to pay another XXXX because they are incompetent and refuse to see proof of their error. This seems wrong that they can overcharge me and keep my money interest free every year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2021, no actions were taken by the company. 
There is an unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX from SYNCB/TJX CO DUAL CARD ( Bank ) reporting on 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 non-monetary relief
Consumer complaint received 2022-10-23 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: Lockhart, Morris & Montgomery Inc.
State: MN

Complaint narrative:
XXXX XXXX Lockhart, Morris XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have received several emails as an ally auto customer enticing me to open up a checking account with ally bank. 

On XX/XX/XXXX I received an email with a promo code " XXXX '' Advising if I open up an account with a direct deposit within 30 days Of receiving the direct deposit I would receive a welcome bonus of {$250.00} deposited to the account. 

Well today is day XXXX and I still have not received the promised deposit. 

I have pleaded with multiple representatives at customer service and there continues to be no resolution or credit to the account Like I told the bank I shouldn't have to beg or plead for something that they offered I fulfilled my obligations but they have not fulfilled theirs.

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 2022-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I was a victim of identity theft which I reported XX/XX/2019 ( case # XXXX XXXX Police Dept ). I became aware of the fraudulent auto loan when I tried to purchase a vehicle and the sales person questioned me about the other auto loan on my credit report. Since then I have worked diligently with the with the dealership to understand and resolve this false account in my name and to clear my credit. I worked directly with XXXX XXXX at XXXX XXXX XXXX ( acct. # XXXX ) which resulted in release of any financial responsibility to the auto loan and the loan was also removed from all three credit bureaus on XX/XX/2019. Several months later I began receiving harassing calls and letters from Radius Global Solutions LLC ( # XXXX & # XXXX ) in reference to the fraudulent auto loan which they incorrectly list as account # XXXX with the same information I have provided you and I continue to receive calls and letters in the attempt to collect on debt that has been a result of identity theft.

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 2022-10-23 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: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capitol I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but Jefferson Capitol refused to remove it. 

XXXX and XXXX are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
Genesis Credit Management Columbia Debt Recovery XXXX XXXX I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but XXXX XXXX refused to remove it. 

Genesis and Columbia are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I opened an Ally savings account on XX/XX/2022. The new account had a welcome offer of 1 % up to {$500.00}, meaning a maximum deposit of XXXX. Ally ran this offer up to XX/XX/2022, leaving new account owners with a small amount of time to deposit these funds. After opening the account, I made three transfers over multiple days totaling over XXXX. A day after the second transfer was posted, Ally locked my account out. The reason for the lock was " too much money deposited. '' Now I need to send in bank statements and a selfie with my driver 's license in order to " verify my identity. '' Until then, my account is locked with no access to the money. What kind of a bank verifies customers after they collected XXXX? I am currently stuck, unable to access my account. I would like for this company to unlock my money so I can close the account and get out.

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 2022-10-23 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: HW Holding, Inc
State: MN

Complaint narrative:
Hunter Warfield XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal offer the best services. 
I decided to open a claim for report this situation. 
On XX/XX/XXXX my account was stolen. The hacker added the email ( XXXX ). 
At the same time it was added the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX was made a transfer for {$3200.00} USD. TRANSACTION ID XXXX. 

other transaction was made to the card end XXXX, XXXX for {$1000.00} USD. ID transaction XXXX. 

the address was asociate XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX that not my personal address. 


i made the report about was Unauthorized access and withdraw into my account becouse that card XXXX and bank XXXX are not belong to me. 

i talk to other agent and he track the ip and it doesnt match with my history. 
he said it was conected from another device too. 


i opened a dispute with the case XXXX but it was denied. 



my Email is XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
AND NOW ON THIS XXXX DAY OF XX/XX/2022, I, XXXX XXXX, consumer, wish for LVNV Funding LLC, Resurgent Capital Services L.PXXXX, Resurgent Receivables LLC to CEASE AND DESIST all communications through any mediums. THIS NOTICE SHALL NOT BE CONSTRUED FOR ANY REASON OR ANY PURPOSE AT ANY TIME BY ANY PERSON AND SHALL TAKE EFFECT IMMEDIATELY! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi. I contacted Equifax, XXXX, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 

XXXX XXXX XXXX-account XXXX XXXX XXXX XXXX-account number XXXX XXXX XXXXL-account number XXXX XXXX XXXX XXXX number XXXX 15 U.S.C 1681 section 602 A. States I Have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
My wife submitted a dispute with Columbia Debt recovery, informing them that we had given the XXXX of XXXX the two month notice, but they refused to accept it. and sent it to collection. Columbia refused to even acknowledge that we have submitted the Notice and claimed the woods to be correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Report act. The list of XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation