vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was involved in an online trade scam and with multiple transactions I gave him over {$5000.00}. I contacted the bank to stop all those transactions but it was through XXXX and they are not able to stop it. Im trying my hardest to figure out who can help me investigate the scam artist as I do have some information and I did meet him so I know his face. Theres anyway that you can help me or help the situation be better please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
I moved into a condominium association on XX/XX/2021. Because homeowner 's association fees are due on the beginning of the month, I believed the previous co-owner had paid for XXXX. Once I alerted the management company for XXXX XXXX that I had moved in, I received an invoice for XXXX. Our bylaws state we have the right to dispute and I did so. In the meantime, I verified that I did owe XXXX  dues and subsequently paid them. By the time the payment had been received, my account had been sent to collections and Makower Abbate Guerra Wegner Vollmer PLLC also began tacking their own fees onto what I owed. I have been making my regular payments of my HOA fees every month. In every communication with XXXX XXXX XXXX and the collection agency, I have disputed their fees. By our bylaws, any dispute should be sent to arbitration. I have received no communication as to how to begin that process. Instead, in XXXX I was told by the collection agency that the XXXX XXXX XXXX XXXX had denied my request for arbitration. Again, by the bylaws, a dispute and subsequent arbitration is a right, not a privilege. The collection agency has also denied my request to be provided any information regarding said denial, stating it is attorney-client privilege.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/XXXX I paid {$3000.00} dollars that I intended to be an principal only payment. on XX/XX/XXXX I paid {$1200.00} As my XXXX payment. Chase bank applied XXXX $ dollars as ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) XXXX payment of {$1200.00} ( XXXX ) remaining balance of {$590.00} principal only. I spoke with customer service on XXXX XXXX to request my payments be applied as intended. ( 1st time ) Chase bank did not comply. I spoke with customer service on XXXX to request my funds be applied as intended ( XXXX time ). Again chase bank used funds from XX/XX/XXXX apply to XXXX payment. Chase bank contacted me on XXXX to confirm satisfaction I stated no and reiterated my request. ( XXXX time ) while misapplication reversal of funds was done. My Funds from XXXX was again applied to XXXX payment. I spoke with customer service on XXXX to request my funds be applied as intended. ( XXXX time ), submit complaint with CFPB and any action form chase bank is unknown at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
United Collection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The initian amout was {$600.00} and it was established on XXXX I ( BALANCE 0F {$100.00} ). XXXX I made payments to them but never received any stamens, I taught I was done paying them. I never received a statemt nor a phone call for years in XX/XX/XXXX they placed a collection into my report after i purchased a house. I reached out the company. Before I made the payment, I requested that they remove the item from my credit report which the person I made the payment to agreed to have it removed. After the payment was made, they did not remove the item from my report. I called, i disputed the item and explained the matter to whoever i came into contact with, Still nothing happened. The item is effecting my credit score and that is hendering me from getting the proper rates when I apply for loan. And that is a form racism that keeps people like me receiving higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX is reporting that CBNA has submit a hard inquiry. I reached out to CBNA on XX/XX/XXXX from XXXX to their number XXXX. The representative i spoke with advised me that per my social security number I have nothing with them. I explained that they claim I submit something with them that lead to in inquiry. I was advised since I have nothing open they cant help. I called XXXX ( XXXX ) back on XX/XX/XXXX from XXXX and explained what CBNA stated. I asked can you please provide me what they " confirmed '' and they said no I need to ask CBNA for it. I do admit I refinanced XXXX  months ago and if its related to that it would be true but very late.

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 2022-02-09 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: NJ

Complaint narrative:
In XX/XX/2021, I sold an item on XXXX. I am not a dealer and it was a one-time event. My sister who llved near the buyer handed him the item and he paid me {$80.00} via PayPal. The money showed up in my account right away. When I clicked on the link to accept the funds, I was given 3 options : 1 ) Transfer it to your bank. 2 ) Keep it in Paypal, which involves setting up a PayPal balance account and 3 ) " Get a check by mail instead. '' Not wanting to give PayPal my bank info or set up a balance account, I chose option 3, the check. That gave me 2 more options -- to get it in minutes for a 1.5 % fee or in 1-3 days for no fee. I chose the latter. But when I clicked on that, I was asked to link to a bank account.

Again, I do not want to give PayPal my banking info. They already have my credit card. So
I was stuck with no way to
claim my {$80.00}. I called PayPal in XXXX but the customer service person was unable to help me get a check mailed to me. I called Paypal again today and got the same response. It is not right that PayPal has been holding my money hostage for more than 4 months and there is apparently no way for me to access it without allowing them access to my bank account or setting up a balance account with accompanying fees. I feel robbed. Please help. They should not be allowed to get away with this. 
I have attached screenshots from my PayPal account, some of which I captured in XXXX but I checked and they appear exactly the same today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-09 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
1 ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} 2 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} 3 ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} 4 ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} 5 ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} 6 ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} 7 ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} 8 ) XXXX  Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} 9 ) XXXX XXXX  Account # unknown Amount unknown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I have a list of items that is not correct on all three credit reports! I have listed all the details below. 
XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$53000.00} Balance owed {$62000.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$9500.00} Balance {$9000.00} XXXX ) XXXX XXXX XXXX Account # XXXX ... ... XXXX Opened XX/XX/XXXX Starting balance {$1700.00} Balance {$1700.00} XXXX ) XXXX XXXX Account # XXXX ... XXXX Opened XX/XX/XXXX $ Starting balance XXXX Ending Balance {$1000.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$550.00} Ending Balance {$570.00} XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Starting balance {$15000.00} Balance {$140.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Starting balance {$6500.00} Ending balance {$61.00} XXXX ) XXXX Account # XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) TXXXX XXXX Account # unknown Amount unknown

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: WI

Complaint narrative:
Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. 

I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. 

US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
on XX/XX/XXXX I was alerted via text message from Synchrony Bank asking me to verify purchases on a XXXXSynchrony Bank credit card. Three purchases were attempted for {$20.00} on XX/XX/XXXX, {$4100.00} on XX/XX/XXXX, and another attempt for {$4100.00} on XX/XX/XXXX. The charges were attempted through the XXXX XXXX XXXX XXXXnd the store number was XXXX. 

On XX/XX/XXXX I replied to the test alert to confirm that these were not valid charges and then later in the morning I received a call from Synchrony Bank to initiate a fraud investigation. 

On XX/XX/XXXX I received a notice of address change from my XXXX account and upon investigation learned that someone attempted to add an address to my credit file or had applied for an account with the address of XXXX XXXX XXXX, XXXX Michigan, XXXX. I contacted all three credit agencies and place a credit freeze on my information and started a fraud claim with XXXX regarding the address.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
1. I have never had an account with these companies LVNVFUNDG Account number XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You LVNVFUNDG are the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B  ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reports two loans, both with XXXX XXXX, with balances due. I disputed. Equifax reported the dispute results : {$0.00} balance on both. XXXX has shown proof that the balances are {$0.00}. Equifax continues to report a balance on these accounts. Calling support is useless. Call center is foreign and asks for full social security number over phone. If the dispute department found that the balance is {$0.00}, why is it still reported as balance due? If they don't trust themselves, there is little I can do, except go to court.

Company response to consumer: Closed with explanation