vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I received a phone call from Bridge Crest this afternoon. She stated that she was from the Executive Offices of Bridge Crest. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in Bridge Crest " Auto Pay ''.

I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked Bridge Crest to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my Bridge Crest Dashboard App as of today which states in LARGE RED LETTERS " Prevent a XXXX delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as Bridge Crest has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If Bridge Crest would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if Bridge Crest receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My XXXX XXXX  checking my credit report because of a job requirement and I notice things on my credit report that are not mine. Now that I need to take courses that align with my Career path I am hindered because of these accounts. I have made disputes to XXXX credit bureau already to have these charges removed. I am currently waiting on a status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XX/XX/2020 I took out a personal loan from Onemain Financial and tried to get rid of extra add-on pushed by the lender and was unsuccessful at my attempts to have those removed. I have since paid the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: Global Lending Services LLC
State: CA

Complaint narrative:
I've noticed unauthorized inquiries on my credit report that I would like removed. I've also reached out this company to no avail.
Inquiry Date - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is directed towards the Credit Reporting Company, Equifax, and is in relation to my previous complaint against XXXX regarding the same XXXX loan account. My previous complaint ID was XXXX. The XXXX  loan in question belonged to my late mother who passed away on XX/XX/2023. I was the co-signor on the account. Previously, XXXX would not update balance information on my credit report after the loan was discharged. They responded in writing confirming the loan was discharged due to her death with a XXXX balance. However, this information was still not updated with XXXX, XXXX, and Equifax, so I had to utilize the dispute process to request corrections on this account with all three bureaus. XXXX and Equifax initially corrected the information. However, XXXX did not. Therefore, I initiated another dispute which resulted in the balance being corrected, but in me being incorrectly reported as deceased. XXXX is currently doing an internal review to correct this for which I submitted a separate complaint with the CFPB. 
However, it seems Equifax caught wind of this and is now also incorrectly reporting me as deceased. I just spoke to them and have been advised to submit another dispute. 

At this point I've submitted numerous disputes in an effort to get this information corrected and feel I have no choice but to ask the CFPB to intervene on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX. I want these items removed from my credit report immediiately. I am attaching proof that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from 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 explanation
Consumer complaint received 2024-01-19 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: IA

Complaint narrative:
This is the third time XXXX XXXX XXXX has sent a bill to collections and the collection agency has incorrectly identified me as the owner of the account. Each time, the collection agency sent the information to credit monitoring services negatively impacting my credit. The latest agency is XXXX XXXX XXXX and the previous two were XXXX XXXX XXXX I have never held any account with XXXX XXXX XXXX. The previous two incorrect collections ( XX/XX/XXXX and XX/XX/XXXX ) were deleted from my credit reports and the third is pending ( XX/XX/XXXX ) I have asked all three credit agencies to verify additional information and my credit has been locked since the initial issue.

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 2024-01-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: WA

Complaint narrative:
XXXX Scam in checking and saving accounts totaling XXXX. 
Claim : I sent money to one of my subleases ( XXXX XXXX ), who was supposed to take over my sublease in XXXX. However, the imposter claiming to be her claimed that she sent cheques to my apt building by accident as it was supposed to be delivered to her address. Thus, I sent multiple XXXX transactions to the request numbers. Out of all the transactions they were only able to recover {$3000.00} out of {$12000.00}. 
The representative that I contacted today stated that the only thing they can do is contact the recipient bank to get the accounts back, but banks have been refurbishing customers for imposter scams. I'm not sure where if they even have an option for refurbishments related to scams. 
Date of fraud reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Research Completed : The claim was not approved and only partially refunded XX/XX/XXXX : Research Completed Claim was not approved and was unsuccessful in recovering funds XX/XX/XXXX : Research Completed, the claim was not approved and funds were not reeovered. 
XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank There is one more attachment but I was unable to view it in my email ;

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 monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM REQUESTING A 1099c document base on IRS website who h states that this is a canceled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I AM REQUESTING A 1099c document base on IRS website who h states that this is a canceled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
As you know XXXX criminally sold and bought my information as part of their data breach and per 15 USC 1681i they must delete any inaccuracies on the credit report. They are also refusing to issue me my attorneys fees per settlement breach agreement of over {$20000.00} that I turned in when I found I had XXXX default judgements and was never even served. I have police reports of identity theft along with The Ohio Attorney General. XXXX is blindly going off of what these fraudulent creditors are telling them and none of them can provide a complete account number. They are reporting my house is XXXX months late and it is current. I want you to order them to remove everything from my report as far as closed accounts and I never contracted with LVNV and they also can not provide me my full account number and they are saying I owe them money. I dont even know who they are. My identity was stolen thanks to XXXX and they refuse to remove these accounts from my credit report. Even XXXX XXXX, I have a vacated judgement entry as there was not proper service. If anything on my report is not properly reported it must be removed. I demand {$20000.00} from them immediately and the removal of every account that does not have a complete account number, and/ or can not provide every single statement along with every payment, every charge, every dispute, and every reward cashed in. This includes but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV XXXX LVNV XXXX Also I want my Mortgage through XXXX updated as current as it is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a phone call from XXXX XXXX this afternoon. She stated that she was from the Executive Offices of XXXX XXXX. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in XXXX XXXX " Auto Pay ''. 
I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked XXXX XXXX to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my XXXX XXXX XXXX XXXX as of today which states in LARGE RED LETTERS " Prevent a 30-day delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as XXXX XXXX has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If XXXX XXXX would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if XXXX XXXX receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
The company inflated all payments paid and due on the 30 year mortgage of {$1500.00} payable for 30 years and fraudulently inflated the escrow amount paid from {$1800.00} which included {$300.00} escrow deposits, they stated that it did not receive enough funds to pay the {$1500.00} mortgage note and the {$290.00} due to pay monthly amounts on said taxes and insurance. The tax yearly amount totals {$2700.00} and the homeowners insurance totals {$710.00}, both totals {$3500.00} however, when devided by the 12 months an amount of {$290.00} must be deposited into the escrow account monthly as you can see a total of {$300.00} were deposited into my escrow monthly. The company states that I should make total payments monthly of {$1900.00} of which the {$1500.00} mortgage note would be deducted and {$390.00} deposited in escrow, as you can see the company scammed various amounts of money from my mortgage account for their own purposes, case in point the company on XXXX XXXX2023 suspended payment of said mortgage note of {$1800.00} placing said mortgage in default WHY? More than enough funds where already in my escrow account to cover all expenses additionally on XXXX/2023  I deposited $ XXXX XXXX my escrow account as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was involved in the equifax data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Consumer violation! I received emails of a low credit report! That I didnt ask for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp allows you to send money to your account and between cashapp accounts but will not let me use my card for any purchases for over a week. They will not give me any reason why they are being declined. I can not withdraw my money from ATM, you can only send it to a bank account for a ransom fee. If your services dont work why am I able to give you my money? And then XXXX cant remove it without paying you a fee. When you ask the reason why they can not find out, they can not tell you and they wont tell you what is needed to turn the card back on. Managers are supposed to reach out for assistance through email but it is never received. Its been almost 2 weeks without being able to use my account and no assistance. Fraud at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi, I want to file a complaint against Paypal. 

I have opened my account 6-7 years ago, because i feel it was safe to purchase items Mostly in XXXX webstore without disclosing my XXXX card information. 
As an occasionnal consummer, using paypal services worked well. 

In XX/XX/2023, my paypal account has been hacked. 
Someone got access to my account, opened a bussiness account, and several fraudulent transactions were made. Since then Paypal has locked my account in order to investigate and pay back the people that were scammed. 
My account is limited since then, and i was hoping everything will be back to normal. 

I have recently contacted Paypal resolution center, and have been informed that my paypal account is permanently limited. 
This in itself is not a beal deal. The big deal for me is being unable to delete my account which contains all my personnal information ( Name, address, phone number and XXXX  card information ).

Company response to consumer: Closed with explanation