vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am reaching out in regards to an on going issue I have had with XXXX XXXX. I have been a customer with XXXX since XX/XX/XXXX when I moved into a condo as a single mom with XXXX kids. I have paid on time monthly for their services. 

In XXXX of XXXX, the unit had stopped working suddenly. I spoke to XXXX agent over the phone to attempt to alleviate the problem, but it hadnt. I tried to get someone out to look at it, but I work during the day so it was hard to get someone to come out and try to fix it. I have not used the unit since XXXX of XXXX as well. I started to receive past due payments and realized I got a new credit card. They wanted {$580.00} dollars from me. On XX/XX/XXXX, I wrote an email stating I would pay that amount, but I wanted someone to cancel my contract and not be billed anymore. I believe this was more than fair since the unit hadnt worked in almost a year. I also have proof of emails from this date as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had called numerous times to speak with someone regarding this issue, but after waiting on hold for twenty minutes or more I spoke with someone. Each time this happened, the representative wanted to help me pay my bill, but they couldnt authorize cancellation. I had asked to speak to someone who can do that, but it could never happen. 

I was willing to pay the past due amount every time, but didnt want their services any longer especially since the unit was not working. They have recently sent me to collections, which is very poor customer service and shows they just wanted my money despite the fact I was willing to work with them. I find XXXX to have XXXX of the worst customer service departments that are only present to take your money. I would not recommend to family or friends. 

I would appreciate any help that you can provide. Thank you for your time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Karma, LLC
State: CT

Complaint narrative:
XXXX - XXXX Internet Service : XX/XX/2023 My internet was turned off by a woman who is truly a threat to society. I called XXXX - XXXX, they said the person that called had my personal information, and told them to shut the service off when I never gave any permission to. They helped me get it turned back on with more security. 

XXXX XXXX Straight Talk : XX/XX/2023 and XX/XX/2023 My phone service was hacked into by the same woman thats a threat. I contacted my Straight talk service to rectify the issue that the same woman is causing, they explained they have now made it safe, however I still had to change my number days later. 

XXXX : XX/XX/2023 I received an email claiming I will be owning {$1300.00} from my account. I called the XXXX customers service line. They immediately helped me and gave me an email to protect my name considering I never had made an account with them. 

Credit Karma, XX/XX/2023 I received an email from Credit Karma claiming I opened a new account when I most certainly did not! We still havent fully been able to rectify that issue yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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
State: OH

Complaint narrative:
To Whom It May Concern, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe that there might have been a misunderstanding or an error leading to this unfortunate decision. 

First and foremost, I wish to emphasize that I have always been committed to upholding PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. It has come as a shock to me to discover the restriction on my account, as I have been a dedicated PayPal user, valuing the services it provides. 

I kindly request that you consider re-investigating my case thoroughly. I am confident that a closer examination will reveal that there has been some mistake in labeling my account as in violation of PayPal 's policies. The limitation has caused a significant disruption to my online transactions and financial activities. 

I understand that PayPal has a responsibility to ensure the security and integrity of its platform. However, I sincerely believe that my account has been unjustly penalized. I would greatly appreciate the opportunity for a fresh review, providing any necessary documentation to support my case. 

In conclusion, I implore PayPal to carefully reconsider the decision to permanently limit my account. I believe in the fairness of your processes and remain hopeful that this matter can be resolved in an equitable manner. Restoring my account would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal as a service. 

Thank you for taking the time to read and consider my appeal. I eagerly await your response and remain open to providing any further information that might aid in the review process. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-08-30 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX, Equifax, and XXXX were requested by me the consumer to correct inaccurate loan information and inaccurate reporting of payments, as well as, place XXXX XXXX XXXX XXXX into a dispute status as the company has defaulted on their administrative process and failed to verify the debt. Serviced registered mail, return receipt through the United States Postal Court under the authority of the XXXX XXXX XXXX. According to the Administrative Procedures Act we have a contract and they have no claim to the account and it must be deleted immediately on request from the consumer. XXXX, Equifax, and XXXX sent me an updated report 10 days later which reflected that they verified the debt with XXXX XXXX XXXX, which I could not do. I sent them the attached letter on XX/XX/XXXX certified mail, return receipt as evidenced, as an attachment. I demand that XXXX, XXXX, and Equifax in accordance with the Fair Credit Reporting Act, 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) to present to me the physical verification of the original signed consumer contract signed by me the consumer. Federal laws gives them 15 days to present this to me and they have failed to do so. It is confirmed that the account can not be lawfully verified and as such must be removed from the consumers credit report immediately. This is a gross violation of my privacy and against the privacy act of 1974. I expect my credit reports to reflect this change in accordance with Federal Law. If this is not corrected I will bring this issue to the Attorney General and Comptroller of Currency and start collections according to what is allowed by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error 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 2023-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: First Commonwealth Mortgage Corp.
State: FL

Complaint narrative:
I was approved by one lender but same issue, cost of loan was not disclosed during initial conversations so I went shopping for an option. I specifically said at the start that my maximum down payment was 25 % and any additional fees would need to be rolled into the loan. After a week of them continuing to request more information, they now refuse to roll in the additional fees into the loan, and of course deny the initial conversation.

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 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
The collections allegations for XXXX XXXX are identity theft and defamation of my character. I want the full collection of XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: AZ

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
a purchase of XXXX was made at XXXX  with my cashapp account that I had no knowledge of or did not authorize on either the XXXX  of XX/XX/XXXX or XXXX  of XX/XX/XXXX. I proceeded to dispute this claim with cashapp as well as alerted XXXX. cash app gave me the funds back temporarily then today my claim was falsely denied with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: PatientFi, Inc.
State: NC

Complaint narrative:
I had previous filed a complaint to the CFPB on XX/XX/2023 against PatientFi the complaint # XXXX in regard to making payment of a loan that all the service was not rendered from XXXX XXXX XXXX XXXX XXXX XXXX. The chief compliance officer, XXXX XXXX XXXX had responded on XX/XX/2023 to my complaint and had apologized for any connection with their services. He had stated that he had contacted XXXX XXXX XXXX XXXX XXXX XXXX after an investigation for my concerns. The provider, XXXX XXXX XXXX XXXX XXXX XXXX, stated to PatientFi that some of the services was received but not all and would be contacting me directly to determine the amount of services that I received and will notify PatientFi so that my loan amount can be adjusted. Well as of this day, XX/XX/2023, I have not received any communication from XXXX XXXX XXXX XXXX XXXX XXXX about a resolution to my concerns. I did reach out to two customer service representatives XXXX and XXXX about my concerns and the response from the Compliance Officer. They just told me that I needed to reach out to the provider, XXXX XXXX XXXX XXXX XXXX XXXX and get the refund for the unused service. I asked could I get a contact number for the office of the Compliance Officer, and they stated that they did not have it, which was puzzling to me. It seems as though my concern is going on deaf ears and I don't think as a consumer that I'm being treated fairly and PatientFi is using unjust and unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I graduated from law school in XX/XX/2023. As a result of law school, I have {$210000.00} in student loans in the form of XXXX loans ( XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ). 

EdFinancial is not responsive over emails, and I've needed to wait on hold for hours each time I call their customer service phone number. 

On XX/XX/2023, my refinancing institution Earnest sent a {$190000.00} check to EdFinancial, the servicer of my federal student loans. On the check itself, there were written and specific instructions to apply the payment amount to all loans EXCEPT for loan XXXX. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because my EdFinancial portal still wasn't reflecting the {$190000.00} payment. She said the treasury department was researching the issue, but couldn't give me any details beyond that. 

On XX/XX/2023, I called EdFinancial and spoke with XXXX because, while my portal finally reflected the check, EdFinancial failed to follow the specific instructions on the payment check. Instead of applying the {$190000.00} to all loans except for loan XXXX, they applied the payment to only loans XXXX ( paid in full ) and XXXX ( which now has a negative {$120000.00} balance ). 

This payment methodology doesn't even follow the logic outlined as official policy on their website. XXXX XXXX XXXX XXXX, " if a payment is made in excess of the total amount due, the excess amount ( also known as the overpayment ) will be applied to the highest interest rate loan first. '' XXXX XXXX has the lowest interest rate! 

EdFinancial said I still owed them in total {$140000.00} via loans XXXX, XXXX, XXXX, and XXXX, subject to interest expense accrual as forbearance ends. XXXX said she had no idea how long it would take the finance department to correct this issue.

Interest expense will start accruing on all of my loans starting XX/XX/XXXX due to their administrative failures, no fault of my own. However, this will be wrongful interest expense on loans that are rightfully paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: SC

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: ENOVA INTERNATIONAL, INC.
State: HI

Complaint narrative:
I called XXXX XXXX on XX/XX/2023 to tell them I couldn't pay the repayment installment due tomorrow. I spoke to XXXX, who said it was past the deadline to ask for an extension. She said you have to do it at least XXXX business days before the day of repayment. 

I asked her where it says it in the contract I signed. She said it doesn't exactly say that. I asked for a supervisor. She placed me on hold longer than XXXX minutes so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TX

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 1681.

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 seven 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 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
On XX/XX/23, I sent a letter requesting the validation of alleged debt. Ive received communication from this company that I owe them a substantial sum of money. I never made any contract with this company and do not accept their business or offer without validating I owe a debt to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
XXXXXXXX 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

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 2023-08-30 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: GA

Complaint narrative:
I recently reviewed my Credit report an noticed that there were items reporting that did not belong to me. 
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 XXXXXXXX

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