vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal account - XXXX Was informed by PayPal ( 175 days ago ) that they no longer wanted me as a customer ( used them to process payments for my business ). 

Was told I would have to wait 180 days to be able to withdraw the funds in the account I wasn't happy about this but accepted it, I read online about a large amount of users being told all or there funds had been taken 'for damages ' was getting worried about this sent an email to PayPal asking when I would be able to withdraw I got a reply back stating 'Per the User Agreement, when PayPal permanently limits an account due to an Acceptable Use Policy violation, we may hold your funds for up to 180 days till XXXX XX/XX/2022 to withdraw the amount from his account. ' I logged in today to check the amount that I could withdraw on the XXXX to find that they had removed every XXXX under multiple transactions to themselves Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) Transaction XXXX : Memo XXXX XXXX  ; PayPal Posting Date : XX/XX/2022 ; Payment to : Paypal ; Damages caused to PayPal by Acceptable Use Policy violation ( XXXX ) The total amount stolen is XXXXXXXX XXXX - Without these funds I'm going to be unable to keep my business going, the damage they have caused by stealing my money is huge- I have read online that PayPal are doing this to 1000 's of people some for significantly higher amounts there is also a class action happening for the same thing. 

It is clear to anyone that what they are doing is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
In XXXX and XXXX of XXXX I charged my Barclay Card ( XXXX XXXX XXXX ) three separate charges in the amounts of {$500.00}, {$300.00} for deposits on a XXXXXXXX XXXX that was to take place in XXXX of XXXX. In XX/XX/XXXX I charged the balance in the amount of {$3300.00}. Due to covid the cruise was cancelled and rescheduled several times over the next year. In XX/XX/XXXX we requested a refund from XXXX. {$400.00} did get credited to my account. They said at the time that it could take 6 months or more for the full refund. I was patient. I called periodically. Finally in XX/XX/XXXX I contacted XXXX who told me that the entire refund had been sent back to Barclay card US. I never got the credit. At that time I submitted a dispute. Barclay has declined the dispute stating that since the original purchase was 2 years prior they will not investigate nor credit my account for the services that I did not receive.

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 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 XXXX this isn't 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 719transunion has me at a score around 590. 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 n 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 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 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 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 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-02 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 XXXX this isn't 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 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 severe XXXX 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 im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: MS

Complaint narrative:
I was charged for the flex shopper insurance plan on product never received they charged me {$4.00} every other week and I called to ask them how can you charge me for warranty on a product you never shipped nor have I ever received it they refused to give me my money and now I owe them {$16.00} for fees for extended warranty on a product never received or delivered they took the money directly out of my bank account and I was not aware of this since I never received the product. You can not charge someone warranty for a product that was never received then refuse to refund money you took for no exchange of merchandise and then put a person in the negative as owing money when they never got your product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
I received a notice on XX/XX/2022 from XXXX XXXX insurance company stating that the insurance premium for my house had not been paid. 
The monthly payment I pay to Fay Servicing has {$270.00} for both taxes and insurance credited to an escrow account. 
I contacted Fay Servicing on XX/XX/2022 at XXXX XXXX  and spoke with a representative who assured me that an expedited payment would be made to XXXX XXXX XXXX XXXX. 
However, on XX/XX/2022, the insurance agent notified me that Fay Servicing had failed to make the insurance payment as promised and the policy would be cancelled. 
I had to borrow money to pay this unexpected bill which Fay Servicing is legally obligated by contract to pay. 
I had to come up with extra money to make sure the bill was paid. Since Fay Servicing did not meet their obligation as they should have. Fay Servicing took my money in good faith and did not pay the insurance. So now I had to pay twice. 
I wrote to Fay Servicing on XX/XX/2022 requesting to reimburse me for the insurance that I had to pay out of my pocket which was Fay Servicing 's responsibility and to update the escrow account for reducing the monthly payment which Fay Servicing continues to collect in full for interest, taxes and insurance. 
On XX/XX/2022, I received an escrow account statement which showed that Fay Servicing not only did not update the escrow account but also was not truthful with the fund allocated for insurance payment. 
I called Fay Servicing on XX/XX/2022 at XXXX XXXX and spoke with a representative. She claimed that Fay Servicing never received an invoice from XXXX XXXX XXXX XXXX. 
I contacted XXXX XXXX XXXX and obtained the copy of the invoice sent to Fay Servicing on XX/XX/2022. 
Fay Servicing has almost put me in a hardship situation. I am very concerned what happens when I have to pay the tax bills in the thousands of dollars which I have been paying to an escrow account at Fay Servicing every month. I have no faith in Fay Servicing and I would like to protect myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX have sent multiple dispute letters via certified mail regarding a bankruptcy reporting inaccurately on my consumer report. The bankruptcy is not reporting on XXXX, but is reporting on Transunion and XXXX. Though I have presented proof, neither will remove from my consumer 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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Have received a loan modification. I made all 3 trial payments and even more. They then canceled my modification because my wife did not send her signature back in time when I told them that we are going there a divorce and that she needed more time to send her signature in even though I sent in my signature and had it notarized. 
This also started during covid and is Covid related. 
I have had numerous people try to call to get my modification reinstated and no one can get threw to anyone. 
When people leave a message no one calls back. 
They wont even except a mortgage payment from me at this time. How can I get a supervisor to speak to my representative who speaks for me?

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 2022-06-02 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 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 XXXX  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 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 XXXX 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 severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-06-02 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: TX

Complaint narrative:
- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attempts were made to qualify for a personal loan. The Credit Union denied my application due to derogatory and erroneous information stated on a credit report provided by Experian. Information/reasons noted, Number of accounts with delinquency ; proportion of loan balances to loan amounts is too high ; length of time revolving accounts have been established ; and too many inquiries last 12 months. 

I have NO delinquent accounts ... nor have I had a history of any delinquent payments. I have only ONE loan for a XXXX vehicle. The payment is 5 % of my monthly salary. It's a recent loan, which would justify the loan balance to loan amount ratio. However, it is a $ XXXX vehicle and the loan amount is $ XXXX. My home is paid in full. I have no other obligated payments and/or charge cards that are not paid in full at the end of each month. And I'm unsure of the validity of a high quantity of credit inquiries if they are not established loans. 

This credit rating has placed me in a bad rating category and I have tried every means possible to contact Experian for a dispute resolution. There is absolutely NO means to speak with a person. The automated system only provides on line instructions. I've contacted the credit union as well. They made every attempt to locate a number or means for resolution with Experian. They provided two phone numbers that also proved unsuccessful. Experian makes it impossible to be reached. 

I would like " SOMEONE '' at Experian to explain how the company came to the conclusion I should not receive a loan and the reasons they provided to the credit union. I've obtained a credit report from their website and there is NOTHING to indicate the information contained in the letter I received from the Credit Union to justify Experian 's reason for disapproval of my loan request. The ONLY detrimental information contained on the entire credit report consisted of ONE late payment in XXXX, which belonged on a card I did not possess. PERIOD!

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 2022-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have filed multiple complaints with XXXX XXXX for various reasons and they all keep being compiled under once complaint record number which should be again record compliance procedures. I have specifically requested that each complain for each reason be logged as a separate complaint and addressed separately to which I was just advised is not being adhered to by Wells Fargo - SURPRISE! I have filed corresponding complaints with the CFPB that align with the complaints submitted with Wells Fargo that are being combined, although they are different reasons. I am tired of being strong armed and discriminated against by my financial institution as they operate as they see fit and ignore their consumers wishes. I would like explanations as to how/why my requests to file complaints are being ignored and dismissed. I would like to speak with XXXX XXXX about my concerns and have my loan serviced by an ethical and competent loan servicing company, which is obviously not Wells Fargo.

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 2022-06-02 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: PA

Complaint narrative:
In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: IL

Complaint narrative:
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. 

I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.

Company response to consumer: Closed with explanation