vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.

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 2023-02-16 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:
I was permanently banned from using PayPal account after I tried contacting PayPal how and why was this happened. I was told that my PayPal has a high potential risk. I want to kindly plead with PayPal for a review as I have done no activity that can cause my PayPal banned. I carefully followed their policies and my account is still new. I just created my account on XXXX XXXX and just started to use it in receiving money on XX/XX/2023. I only have 3 transactions and needed to complete 10 transaction for me to established the trust of PayPal and to follow their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2023-02-16 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: NJ

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 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 afte the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX XXXX XXXX Account # XXXX Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed 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 2023-02-16 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: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2023-02-16 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-02-16 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am a single parent of XXXX young children and fell behind due to XXXX. I received an RMA ( request for mortgage assistance form ) and sent it in more than 30 days out from my foreclosure sale date, but the lender kept saying they did not receive my forms. I then turned to a loss mitigation option to Short Salethe property as its condition was inhibiting getting a full payoff w/ all the fees etc. The highest offer is XXXX XXXX CASH but may not close until slightly after the XXXX  as they notated foundation issues. XXXX XXXX sent in ALL the paperwork and we are trying all we can to help prevent my children and I from foreclosing and becoming homeless. The delinquent balance is currently {$30000.00}. I do not have the resources or money to get this paid. Please consider postponing the XXXX  date as a one-time request and/or accepting the $ XXXX CASH OFFER to allow us to get the home sold for its true fair market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital System is a debt collector that is repeatedly damaging credit by reporting the same collection. This collection is a 7 year plus collection that was originally owed by XXXX XXXX in the amount of {$860.00}. It's very unlawful to continue reporting to the credit bureau on an account such is this. The original date of this collection continuously changing. Making this debt repeat multiple time a year to the Credit Bureau. The attempt to collect a debt as old as this one is very damaging to someone credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
On XX/XX/2023 I purchased a puppy with Zelle and XXXX. Both are connected to my checking account and XXXX. Zelle pmt was {$500.00} and XXXX pmt was {$370.00}. The transaction turned out to be a puppy scam online through XXXX. I reached out to both companies and have had no response. 

The fact that both Zelle and XXXX are connected to my chase checking account I thought I am protected from fraudulent charges and scams. 

There has been no response from the companies regarding my fraud and scam. I am supposed to be protected by my bank or I would have never connected Zelle or XXXX to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
- Contacted PennyMac in XX/XX/XXXX to have our Homeowners insurance paid direct from us instead of from our escrow account - Contacted PennyMac multiple times ( XXXX through XX/XX/XXXX ) because PennyMac would not change responsible party for Homeowners insurance from mortgage company to borrowers behalf - Set-up a payment plan with XXXX  for direct billing to us for our Homeowners insurance in XX/XX/XXXX - Sent PennyMac a XXXX Insurance Contract showing Homeowners insurance coverage through XX/XX/XXXX - Received our first monthly bill from XXXX  for a XX/XX/XXXX payment - Contacted PennyMac on XX/XX/XXXX with a resend of notification to the escrow department to adjust our escrow because we were being direct billed for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX with a resend to change responsible party from mortgage company to borrower for Homeowners insurance - Contacted PennyMac on XX/XX/XXXX that we would notify CFPB if changes were not made - On XX/XX/XXXX, PennyMac sent a full annual payment from our escrow account to XXXX without our permission and ignoring all items listed above - Contacted XXXX on XX/XX/XXXX and XXXX attempted to void the payment, but apologized because they could not. 
- Logged into our PennyMac account on XX/XX/XXXX to capture all message information and all message information on our account ( ALL history of communication between we the borrowers and PennyMac has been deleted ). We will include files we have saved in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I was trying to purchase a car. I was given a pre-approval from a credit union with a good rate however, when I when they attempted to pull my credit report from Equifax nothing was provided. I called Equifax and was told there is no fraud issues and the dealer should be able to proceed. As of today I am still unable to access my Equifax Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After I submitted complaint # XXXX, Wells Fargo closed my account. Today they responded that they are working on my issue, but they closed my account without letting me know. Wells Fargo owes me money from incorrect charges, and instead of clearing this up, they closed my account

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 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or about XX/XX/2023, I sent a letter ( attached ) to Transunion notifying them of UNAUTHORIZED credit inquiries by unknown financial institutions that did not have any semblance of authorization to pull my credit. Since that time, now 5 weeks later, Transunion has yet to respond with anything resembling having done an investigation, corrected my credit report, and supplied an updated report.

As per federal law, credit reporting agencies are required to conduct an investigation within 30 days. Transunion, in typical transunion fashion, failed to do so, in complete noncompliance with the law.

Therefore I turn to CFPB to a ) seek remedy, and b ) ensure Transunion is held accountable.

Should transunion fail to correct the record, I will reserve my right to bring small claims action under FCRA

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 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
I cash ( XXXX XXXX  ) app 'd myself {$200.00} to my personal bank account. When trying to obtain a cash app card. I put a mailing address as well as my ssn, date of birth and the name I want on the card. I got a message about incorrect information but only asked again for my ssn, dob and name on the card and this is after doing a bank verification through the app. They turned around and closed the account with no specific information as to what was violated on a brand new account with only 3 inquiries on it. I called and spoke with 4 reps and for whatever reason I got a very generic response and then hung up on. I actually spoke with 5 people the last person stated that the account was not verified which is confusing cause in order to cash put to my bank I have to verify it and I also have the email and text msg for the code.

I have more than one email. This cash app is attached to XXXX with a permanent email of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
There were some fraudulent charges on my XXXX credit card which XXXX starting to managed around the date of the fraudulent charges. Before the credit card was managed by XXXXXXXX XXXX 

I have called the bank almost 10 times. I have also asked for a manager to give me a call back. Once they called but to my old phone. Therefore I couldn't answer. And I have sent a letter with the reasons below. But they don't want delete these charges.

I need to get a loan. Therefore I have payed the fraudulent charges just so I can get a better interest rate for the loan.

And here are the reasons why I think the charges were fraudulent. 

-During one of the calls with XXXX it was mentioned that someone asked for a copy of the card that I didn't request this before the date of the fraudulent charges.

-I have moved to a different place on XX/XX/2022. Therefore I think the credit card copy was sent to my previous address. 
XXXX has my current address but they don't have the date when this change was done on their system -I reached XXXX to find out if they know when my address was changed but they informed they don't have any account information and that it was provided to XXXX. 
-The fraudulent charges were made on the stores XXXX XXXX and XXXX XXXX XXXX. And if you check the account activity I have never used that credit card to buy in those stores. 
-The fraudulent charges were made in 2 consecutive days trying to reach the total credit line.

-The fraudulent charges were made just when the credit card started to be managed by XXXX . This is very weird. 
-I haven't used the gap credit card in months as it can be seen on one of the attachments.

-I have used the gap credit card to buy only from the gap store and for amounts less than {$200.00}. Not for over {$2000.00} like the fraudulent charges reported.

And the fraudulent charges are XX/XX/2022 {$670.00} XX/XX/2022 {$250.00} XX/XX/2022 {$250.00} XX/XX/2022 {$48.00} XX/XX/2022 {$300.00} XX/XX/2022 {$410.00} XX/XX/2022 {$87.00} XX/XX/2022 {$800.00} TOTAL {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MECHANICS BANK
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). This Creditor has violated my rights under 15USC1681 Section 602 states I have a right to privacy.

15USC1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. 

On XX/XX/23 the account was reported 30 days late. I was told by a representative to call back on XX/XX/23 to set up a payment plan as I am starting a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Somehow someone got into my account and did a bill pay for {$3600.00} from my business account which I never authorized. The card number that was used for the payment is from XXXX XXXX. ( XXXX ) which was giving to me by bank of America fraud department. the same day they attempted to do another transaction of {$4500.00} which was cancelled by bank of America representative. I call bank of America multiple time to help solve to the issue. they give me a lot turn around. and also provided me a case number ( XXXX ) I went to filled a police report and I call and provided it to them and nothing solve. all the kept telling me that I did the transaction and they don't give me any proof. the ip address that was giving to me is totally different than i have on my devices. they gave me a lot of false information. there was no real investigation going on from my understanding.

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 2023-02-16 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/XXXX, I XXXX XXXX XXXX open a XXXX-credit card with Navy Federal Credit Union . Fast forward to XX/XX/XXXX I was dealing with hardship, so I reached out to Navy Federal Credit Union, and they decided to give me 2 months payment free to catch up on my payments. In the two months I lost my credit card, and I didn't know due to me not using it because it was maxed out. Two months later I go online to naveyfed.com to start making payments again but my account was locked. I called them to let them ask why my account is locked, they stated that I spent {$24000.00} over my spending limit. I stated to them How is that possible!!! 
1. My account was locked due to hardship and maxed to spending limit. 
2. how did you guys allow the thief to spend {$24000.00} over my limit 3. Why didn't the fraud department catch the transaction while they were taking place?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: FL

Complaint narrative:
I am on unemployment for the first time. I was sent a WayToGo card. After seeing the astronomical fees, I changed my payments to my direct bank deposit. The fees these bank/card charges are horrid. Every time I call in ( you are NEVER able to speak to anyone because it doesn't give you an option ), I get a {$0.00} charge. Even if I go online, I get a {$0.00} charge. 
When I received my first payment, I went to my bank ( XXXX XXXX  ) to pull the funds from the card. It was declined because my bank handles visa cards. I went to one of the " suggested '' banks, which charged {$1.00}. 
To this day, I have been charged {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$1.00}, and {$0.00} ( and one more charge of {$0.00} because I had to log in to ensure all the charges were reflected correctly. 
Total loss of money : {$4.00} I ask for your help because if this bank/card is doing this to me, they are probably doing it to others. Next, being unemployed, taking money from the client 's account, such as above, does not help, especially when funds are tight.

Company response to consumer: Closed with explanation