vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX closed out his personal loan with navy federal in full. Still shows account is open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
Square representatives refuse to provide a trace for my money transfer to my bank account, which did not show up in my bank account and the money is missing. Square refuses to provide customer service and refuses to provide a trace on this money and will not help their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Opened account online, but get frozen the next day. Have not initiated any XXXX transfer but being told that's the reason.

Make multiple calls, nobody can help. They told me to visit a store to verify my ID. Driving to another state to visit the branch, not resolved during the visit, and nobody follows up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 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:
On XX/XX/2021, I recieved an email from paypal, telling me my account is temporarily limited, and that they need me to take action sending some documents, ( I want to clarify thet I sent everything they asked for at the beggining, and that my account was up to date ) I inmediatly got to it and sent everything they asked for and took all the actions that they required me to do. 
At paypal webpage, there's a red flagged message that tells me I need to take action, I clicked on it, there were two buttons, that said resolve in front of each action, the first one was uploading the documents, and the second one said " Confirm your information '' I sent the documents en clicked on resolve, then I clicked on the second resolve button " confirm your information '' The page sent me to a message page that said that they are gon na take up to 10 days to check the info and make a resolution. A month passed by and I kept recieving the redflaged message, and whan I click on it it takes me to same same page where one resolve button is activated ( as if it's completed ) and the other one that says confirm your information, was still active, when I cliked on it, the same thing happened, it sent me to the message that says they are gon na look into it.

I tried to contact them in many ways, I even chated with to a couple of costumer service people that couldn't help me at all, they were evasive with their answers.

Its been 2 months now, and my account is limited, I can't use my money, and they keep sending me emails telling me to take action, I sent everything again, and there's no answer, there's one change now, when I click on the resolve button ( confirm your information ) it redirects me to a message that says that the problem is solved and that my account is back to normal, wich is not! It's still limited and the red flagged message keeps on showing and asking me to take action, when I click on it the only option avaible is to confirm my info, and when I click on it it says everything is back to normal.

This redflagged message in my paypal 's dashboard keeps saying that they are gon na limit my account even further on XX/XX/XXXX, if I don't send the documents that I have allready send 2 months ago. 
There's no response from them, they keep telling me that they've escalated my concern, but they won't fix the problem. It's like a system glitch that got stuck in a loophole, that paypal doesn't wan na fix. I have lost lost of services and others because of this situation, our work is affected directly by this negligence from paypal. 
I want my account back to normal and acces to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 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: PA

Complaint narrative:
I, consumer XXXX XXXX instructed EXPERIAN to remove several accounts dating back to XX/XX/2020. EXPERIAN furnished my information without my permission and without my written consent. This is fraud and its against my consumer rights 15 USC 1681b ( a ) ( 2 ) Permissible Purposes only and no other. EXPERIAN shared my alleged credit history and factual information and its supposed to be excluded by my written instructions. My rights have been continued to be violated over and over and its causing me stressful problems and financial hardship.

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 2021-05-22 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: FL

Complaint narrative:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: OK

Complaint narrative:
Was denied a loan. I talked to a customer service rep XXXX, and he was not able to give me more information on why i was denied. He was very vague on the reason why i was denied, citing " incorrect information '' during the application process. I am not able to re apply for 30 days due to this issue. When I received the email on the reason why I was denied, it said " not enough information. '' I was not even provided my XXXX score from Payoff, Inc Applied for a {$12000.00} loan XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/21 i sent a letter to XXXX XXXX, Experian and XXXX about having the wrong names and addresses on my credit report. they still didn't remove anything. i sent in my driver license and proof of address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i sent a letter on XX/XX/21 about having the wrong info on my credit report and to have it updated and nothing happen. still reporting wrong information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is a follow up on my earlier complaint number XXXX against Paypal. 
I faced retaliation from Paypal for complaining. Please take action against these crimnals who are holding my money. Paypal promptly retaliated against me for filing complaints by blocking my online access to the account. 
I received an email asking me to login and verify who I'm. After I gave them my phone number on file/got text message, answered my security questions correctly, entered code received by email, Paypal had completely blocked my online account claiming they can't verify who I'm even though I did log in so clearly they verified who I'm, but when nativating to try to withdraw funds online account was immediately blocked with claim they can't verify who I am. 
This is retaliation for complaint I had filed. 
Please take action against this criminal organization defrauding Americans out of their money. They still hold my money and do not allow me to access them or withdraw them, for indefinite time, clearly. My funds were stolen by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX placed a collection on my XX/XX/XXXX credit file. Upon further investigation, this account was transferred or sold and i am no longer responsible for this account. XX/XX/XXXX has failed to verify this account, since my initial dispute in XX/XX/XXXX. Also there was no written form of communication, contract or signature for this accused debt at all.A bill without a signature does not validate the debt in any way, shape or form. Anybody can send a bill and say it belongs to me. According to the FCRA, XX/XX/XXXX has violated my right as a consumer. Therefore, I am requesting legal action to remove this negative item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence has called my parents home and me repetitively, although I asked them to stop calling me over a debt I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received a bill from XXXX XXXX XXXX for an account I did not establish. I called XXXX XXXX XXXX and had the phone disconnected. What I don't understand is how this happened since my credit has been frozen since XX/XX/XXXX. I called all three credit bureaus and they all verified an active freeze. However I went online to view my report with Experian and I got a message that an online account had already been established using an email I do not recognize. When I tried to call experian XXXX it is strictly an automated service with no option to talk to a representative. I don't know how to regain access to my credit file, I'm extremely upset about this situation and need assistance to get it corrected.

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 2021-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to Equifax, XXXX and XXXX because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I purchased my home at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX FL XXXX in XXXX and refinanced it spring of XXXX. The mortgage has been sold to a new servicer, Flagstar Bank. The current loan # XXXX was for {$370000.00} and I owe {$360000.00}. The last appraisal came in at {$400000.00}, but current valuations and comp 's are above {$450000.00}. As such, I contacted Flagstar to ask about removing PMI of about {$100.00} per month. They responded 4 weeks later in a letter stating that they would not consider the cancellation of PMI based on current value of the property, only through documented proof of property improvements. Doesn't this stipulation violate the Fair Lending Act? Can a lender arbitrarily force the customer to keep PMI even when the value of the home has risen significantly? Do I have any legal recourse, as this was not documented in the loan paperwork when I refinanced last year.

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 2021-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.

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 2021-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
The loan servicing company, Loan Care or XXXX, for my mortgage with XXXX XXXX has been non responsive to my requests to begin the process of closing my loan so that I may complete the sale of my coop apartment. I wrote to the company, specifics below, to request the initiation of this process in XX/XX/2021 and have yet to receive a response. Below ( and attached ) are my attempts to reach the company : -- XX/XX/2021 - wrote to company via " Contact Us '' page on website -- XX/XX/2021 - reached someone at the company via phone who said that the system projects that I will receive a response by XX/XX/XXXX. I did not receive a response. 

-- XX/XX/2021 - wrote to the company again via " Contact Us '' page on website. No response. 

-- XX/XX/2021 - my attorney contacted Loan Care to ask for the procedures and closing agent for my loan and was told I need to authorize her access -- XX/XX/2021 - I sent a letter authorizing my attorney to access this information on my behalf. No response. 

-- XX/XX/2021 - my attorney learned the name of the lendor 's XXXX XXXX  and contacted them to request the closing documents. No response to date other than the request was received. 

The contract for my apartment was signed in XX/XX/2021, and the closing is now almost two months past the projected date and I am in danger of losing the sale.

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 2021-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I was Sued By collection company own XXXX with no verification own the debt I have sent verification letter certified own XXXX for them to show me proof of debt and debt amount. They harassed me with several phone calls and they also showed up to my house and had a conversation with my son who has XXXX  needs and ask him information about me. XXXX or XXXX have not responded to my dispute letter that I sent certified I sent the first letter XXXX no response I sent another dispute letter own XXXX no response I need proof this is my debt and the amount..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Hello, I have disputed my credit acceptance account multiple times, XXXX has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just XXXX. I need this account removed. It's an truck and need it removed.

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 2021-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a job on XXXX to be a XXXX XXXX. The person asked me to drop my number so we could further talk about the position. They started off by giving me tasks. Creating vendor lists on XXXX. They then sent me a check for a deposit. These would be used to buy supplies. The check didnt go through so they asked me if I had other ways to pay. They said they would pay me back the following week and it would go on top of my salary. I didnt trust it, but I still sent the money anyways on XX/XX/2021 because I thought Id be able to just file a report and get it back. I had sent a total of {$2000.00} to them and I never got it paid back to me. They didnt respond to my texts after that or my calls.

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 2021-05-22 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I had the chance to go over my payment history letter sent from XXXX Department of Education/Nelnet on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from Nelnet. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of Education/Nelnet. 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by Nelnet, XXXX, XXXX, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATION/NELNET EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATION/NELNET within this complaint so you can see for yourself that I NEVER had a late payment.

Company response to consumer: Closed with explanation