vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This complaint is to augment a previous complaint which we filed ( CFPB Complaint XXXX ). I will attach the previous complaint to this one for your reference. In short, PayPal responded to our original complaint in an unacceptable and unsatisfactory manner. PayPal removed money ( {$140.00} - XXXX XXXX and XXXX United States Dollars and XXXX cents ) from our merchant account due to a chargeback that our customer allegedly filed ( and wrongfully won ) directly with their credit card processor. Because of that, money was obviously removed from PayPal 's account and, in turn PayPal removed money from our account. There are many issues with the actions taken by PayPal and the unknown credit card processor which I will outline below. 

XXXX. The chargeback that the client allegedly filed directly with their credit card processor for " item or service not as described '' provided no evidence of how the item was not " as described. '' Upon later speaking with a PayPal account executive on XX/XX/2023 in regards to CFPB complaint XXXX, they similarly did not have, or apparently attempt to solicit, any evidence of how the item was " not as described. '' As such, we have effectively had money stolen out of our account and no one, including PayPal who took the money, has any idea why. I demand that PayPal either obtain evidence of how the product was not " as described '' or return the money. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, PayPal 's position was, essentially, that this situation was not their fault and that they had to go with the decision of the credit card processor whom awarded the chargeback to the buyer. This is, of course, an outright lie, because no one is obligating PayPal to take money from us simply because someone took money from them. Furthermore, upon asking for more information regarding the credit card processor and issuer, like, for instance, who they are so we can contact them directly, PayPal refused to provide this information. I demand that PayPal provide us with this information and/or be held accountable for the chargeback process and its results if they insist on keeping this information secret. We shouldn't be losing money to someone we can't even identify. 

XXXX. In the conversation of XX/XX/2023 with regards to CFPB complaint XXXX, the call must have either been disconnected and/or the account representative simply hung up because they could not defend their faulty position of taking money out of our account. I demand that, as a response to this complaint, we get a full resolution and a direct point of contact ( with a direct phone number to an authoritative account executive ) for the issue to ensure that PayPal 's account executives don't simply disappear without answering our concerns and leave us with their useless and ineffective general customer service team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: NY

Complaint narrative:
EXPERIAN INFORMATION SOLUTIONS INC. has been illegally reporting on my consumer report negative items without my written consent and therefore has destroyed my reputation in doing so. No written consent is Identity Theft according to 15 U.S.C 1681b.

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 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I pulled my report and saw late payments appearing even if I was never late. This is clearly a violation of my rights as per 15 US Code 1666B. Below are the accounts appearing to have a late payment ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Secure One Financial Inc.
State: IL

Complaint narrative:
On XXXX XXXX Collection Agency Secure One Financial. Was calling me back to back starting from XXXX - XXXX repeatedly for two hours. They have called me from different phone numbers or the same phone numbers repeatedly for two hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On the date of XX/XX/22 I mailed a letter to Transunion disputing several accts that had erroneous information on them, which are hurting my credit score & are subsequently in direct violation of the Fair Credit Reporting Act. Transunion received this letter on XX/XX/22 & responded that they would not conduct an investigation because they claimed I had a " third party '' acting on my behalf WHICH IS A LIE. Also it is not against the law. On XX/XX/22 I mailed my response that I did not have a third party acting on my behalf & that I wanted a full investigation into the inaccurate accts. They NEVER RESPONDED which is against the Law ( FCRA ). Today is XX/XX/22 & the following accts are still showing inaccurate & erroneous information, which is hurting my credit score & in direct violation of the FCRA : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I have given Transunion more than 30 days to conduct a proper investigation & correct the information I had previously pointed out to them as incorrect. They refuse to do so. According to the FCRA, I have the right to % 100 accurate information on my credit report. This information is obviously inaccurate & I would like it removed 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 non-monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Good morning, with great disappointment I must say your company has humiliated me, treated me with bad intentions, and made a circus animal out of me. I called in for one simple thing that turn into accusations, being treat out of name being called sir multiple times after constantly saying I was woman. I called in because I was told via a XXXX message to call in to finish setting up my business account which turn into something totally different. They interrogated me about my account then told me I had to change my password which I opted not to do then I was refused to speak to business team which I ask for a supervisor whose name was XXXX who has the be most absolute worse employee that could have been hired for a customer service job. He told me he had to change it so when I said no he implied my account wasnt mine so I ask if it wasnt mine and you felt that way why would you be willing to change it then he had no answer. Preceded to tell me that I wont get any help unless I go in a branch and he will make sure of it so he flagged my account. Spoke with another supervisor who said same they cudnt talk me for a fruad hold to go in a branch which come to find out XXXX knew it wasnt any branches 25 mile radius of my zipcode. I call in again another supervisor made me send documents in. I had to send it multiple times with multiple things along with a picture of me with which is absolutely ridiculous. I felt beyond humiliated I am asking for a immediate remedy. I have been in touch with my lawyers which I dont want involved if dont have to be but these practices are unethical discriminatory and completely unacceptable. So what can you do to savage a customer cause at this point I am beyond flustered and refuse to deal with this any longer. All to set up a account to give the company money not purchase ask for a loan credit card simply set up a business acount to build a better relationship to be treated in such dismay I clear with the branch XX/XX/2022 spoke with XXXX I sent in documents various multiple times via mail and via email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, we been dealing with unsafe discriminatory practices for two months. They keep refusing to help or take me off this block I have sent in passport XXXX XXXX id selfie and went into a branch. Every time I call in I am being called sir and transfer and block out my account this has been the worse experience of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation 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 2022-12-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2022-12-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: OK

Complaint narrative:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.

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 2022-12-01 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: OK

Complaint narrative:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, OK XXXX XXXX type XXXX family FCRA violations : accounts not mine XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Account charged off. {$4300.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$8.00} XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$33000.00} Status Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This student loan was taken out in XXXX XXXX with Navient. I am the co-signer for this loan, my son became XXXX in XXXX and have not been able to pay, so I'm doing the best I can! I'm XXXX and only get a limited amount each month. 
The part that bothers me the most is, the original loan was for {$23000.00} and 10 years later we still owe {$22000.00}. After caculating what we have paid on this loan so far totals {$20000.00}. My son paid religiously on this loan, then capitalized interest was added. See the list that was added .... In XX/XX/XXXX {$3300.00}, XXXX XXXX {$480.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$520.00}, XXXX XXXX {$360.00}, XX/XX/XXXX {$680.00}, XX/XX/XXXX {$140.00}, XXXX XXXX {$97.00}. PLUS the additional interest that was added each and every month. My son had a hard time finding a job after he graduated and the loan went into Forbearance twice, in XX/XX/XXXX and in XX/XX/XXXX, BUT during that time he did pay a discounted payment. 

As you can see, it's very frustrating to know that this loan has been paid on for 10 years, starting with a {$23000.00} loan and as of XX/XX/XXXX balance {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My mortgage company ( SPS inc. ) doubled the escrow ( {$15000.00}, Escrow AnalysisXXXX pdf file attached ) since XX/XX/2022. So, I contact the company to claim this with a document from the county tax information ( {$7800.00}, Real Property tax.pdf file attached ). But, the mortgage company keep saying the double amount for the escrow ( Escrow Analysis-XXXX pdf file attached ) even we showed the document from the tax department. Mortgage company said they paid the double. So, I contact the tax department to figure this out, but the tax department said they never get the double amount for the escrow. And, mortgage company keep saying " Just Wait '', and they put the all money to my mortgage payment since XXXX. What shall I do to fix this?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: VT

Complaint narrative:
After applying for a card I should have been eligible for. I received a denial for a reason that did not make sense. After a little research I found that there was some fraudulent info on my credit report. 

Speaking to Discover executive office, I asked if I was able to supply them with information confirming that the delinquent account that was the sole reason for my denial was not a statement of fact, if we could either reverse the declination or remove the hard inquiry on my account allowing me to reapply without any further harm to my credit. 

The answer I was given was a pretty clear yes. The representative XXXX also said he would be looking in to things and getting back to me which amounted sending me a letter XXXX XXXX XXXX XXXX XXXX XXXX 

After supplying them with the evidence and outcome of handling the fraudulent info on my credit I was sent yet another letter that was basically a copy and paste of the first. 

Upon calling and speaking to discovers executive office yet again and a supervisor there I have been told they can not and will not do anything at all for me, but also wont deny that I was lied to by their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 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 2022-12-01 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: MO

Complaint narrative:
In accordance with the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX : XXXX, XXXX l XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 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 2022-12-01 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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