vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a PayPal account that Ive only used once. Suddenly, I started getting emails and texts that my account was compromised and being used suspiciously. I messaged with customer service, and they said they hadnt sent texts or emails, so I requested they close the account. In order to do so, they told me I needed to upload a copy of my drivers license and a bank statement. I told them I would not do that as it exposes me to fraud. They wouldnt tell me what the fraudulent activity was either. I told them I would not upload those documents, and they claim they cant close the account without them. Now theyre telling me I dont have to upload a bank statement just a drivers license. I once again said I wouldnt upload that, and they refuse to close the account without it. If there is suspected fraud on the account it needs to be closed - but they refuse to without my uploading sensitive information. This feels like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I paid off my loan of : {$54000.00} completely in about XXXX. I started receiving bills from " Aidvantage Official Servicer of Federal Student Aid '' in XXXX saying I owed interest that was not paid before of : {$2200.00} ( unpaid principal ) is what it is called on my bill. I fought with them for months... finally paid it in full in XXXX of XXXX just so my credit was not hurt ... THEN I get a XXXX bill yesterday for Unpaid Principal of : {$410.00}! and CURRENT AMOUNT DUE OF : {$650.00}! After I paid it in full last month! I called 3 x I got disconnected twice after the person could not help me ( 1st call ) 2nd call, she tried to transfer me to a supervisor and hung up. ( 3rd call ) spoke to XXXX XXXX ( was helpful ) but agreed that I paid my full balance last month and she does not know why I got this bill... not helpful. she said she requested it looked into. my account # is : XXXX - This is exhausting, and this is why I paid the {$2200.00} last month because I did not want my credit hurt. NOW I get another balance due and I believe this is fraud. all of it, i want a refund of my {$2200.00} that I already paid too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
I applied for a mortgage thru Pulte Mtg. Co. and and was given a pre approval on XX/XX/2023. All along the way I supplied the information they requested and was assured all was moving along. My home was sold and scheduled to close on XX/XX/2023 and I was to close on the new home XX/XX/XXXX. 
XXXX hours prior to closing on my home and 5 days to closing on the new home, late on a Friday evening I received a call from the mtg. rep. that underwriting determined my wife and my self were only working apprx. 32 hrs per week and that required I buy down the interest rate from Interest Rate from 5.875 % to 5.125 % which would cost me a additional {$6600.00}. I am not sure why it matters if we work XXXX hours or XXXX hours our income is the income. They had all necessary paperwork they requested long before this point. I had no choice but to pay the additional money as I was legally bound to the sale of my home and commited to the purchase of the new home. Being a FHA mtg. I thought I was protected from this kind of business practice. I am not sure if there is any resolution to this but I felt it important to notify you and hopefully not to happen to any one else. I felt I was pressured and had no alternatives at this point. Thank you for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I have called and tried to pay this debt twice even though the debt is my ex husbands not mine. However when I call Ive been told I have to pay {$1.00} for them to run a credit check to show me my score before they will let me pay off my debt. I opened a dispute last time it happened and now my credit score that was in the XXXX has dropped to the XXXX all because of a less than {$400.00} bill that I can pay but they wont let me pay it!!! I asked for the matter to be escalated to a supervisor last time and she said she couldnt do that until I paid the {$1.00} for her to show me my credit check whenever Im already well aware of my credit history and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I call them but some of my credit is still not clean up

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 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX at XXXX I requested a copy of the original sale agreement and was sent the retail installment contract. I then reached back out to the company at XXXX notifying the company once again that I am requesting a copy of my original sales agreement and not the retail installment agreement and I was sent a blank email with nothing attached. This is now my 3rd attempt to get a copy of my original sales agreement. This information was first requested via phone and I was then sent an email with this information that I did not request.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
A debt collector called XXXX XXXX XXXX XXXX XXXX sent an account to the CRAs. I disputed with all XXXX as I do not owe this debt. I requested this debt be verified and they failed to properly do so then sent it to the CRAs. The debt collector has also broken the FDCPA a dozen times in XXXX emails. The amount they are reporting has fees added on not in the " original agreement ''. They're also charging illegal interest. The " original agreement '' was a fraudulent agreement and the original creditor engaged in fraud, wire fraud, breach of contract, deceptive business practices, etc. This should not be on my credit reports, however Equifax refused to do a real investigation instead allowing to companies collaborating an engaging in fraud to issue whatever statement they like and taking their word for it. Equifax gave me less room then a tweet to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023, Experian notified me that my XXXX account report a change to positive payment history. On XX/XX/2023, I asked why my report had not changed. I was told it would take 30 to 45 days. Today, XX/XX/2023, I noticed that the balance was updated but the account status still says late payment. I also tried to dispute it and was prevented from doing so. So, I am submitting this complaint to make sure my report is updates as this is negatively affecting my credit.

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 2023-12-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I was contacted by a company named National Credit System. They explained that they reported a collection on my credit report because I owed a debt to a property named The Strand, in XXXX, Fl, that I previously resided at, and that I now owed National Credit System a sum of {$330.00} due to me submitting my 60 days notice of not renewing my lease, in less than 60 days of me leaving. 
I then reached out to The Strand due to me not having knowledge of this sum being outstanding via email, on XX/XX/. The Strand did their research and corrected the amount due to actually {$220.00} via email communication XX/XX/, and directed me to pay them directly via certified funds, i.e. Money Order or Cashier 's Check ( I have physical copies of each communication between myself and the Strand property ). 
Since then I have placed in numerous disputes with the specific collections amount via XXXX, and each time National Credit System has argued that I owe them directly and that my credit report will reflect this due amount. During these disputes, I had given National Credit System ample amount of time for them research this dispute and contact The Strand to rectify their records but National Credit System has sought to continue to report erroneous and inaccurate information onto my credit report, as an act of fraudulent extortion. This has effected my credit score negatively and causing me to lose XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2023, I checked my credit, wanted to see if everything was in line in terms of timely payments and see if anything was unusual, etc. 

I noticed unauthorized inquiries on reports, I would seek your help to check with institutions why they are reflecting on 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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT INCLUDING THE FOLLOWING Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. 
Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received a bonus from my company in the form of an America Express e gift card on XXXX. I tried using it at most online retailors ( XXXX, XXXX, XXXX, etc. ) and it did not work. I also tried it for instore purchases at other stores and it did not work. I called customer service and asked if there was an issue. They informed me there was none and that these retailors " probably '' did not accept this card. I asked for a list of retailors that did and they informed they did not have one and could not provide me a website or another representative that did,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
In XX/XX/2023 I applied for IDR plan which I qualify for through students.gov. They used irs data retrieval tool to get tax information and submitted all necessary documentation to Mohela. My IDR application was denied due to needing additional income information that was already provided by students.gov.I submitted another application. The next day I contacted Mohela and verified income and submitted another application for IDR for the third time. Upon looking on Mohela.com both applications showed canceled status on XX/XX/23 XX/XX/23. I called again on XX/XX/23 due receiving a letter stating my obligation for payment by XX/XX/23 which was different from student aid that quoted XX/XX/23. I contacted Mohela again where I spoke with supervisor shy who resubmitted application and stated it was not processed correctly she quoted 1-2 days for processing and new IDR information. I asked for something in writing stating this she stated a letter would be mailed in 5-7 days. Upon calling today to verify whats going on with my account a new trainee XXXX stated that it would take 5-7 days to process. This is insured I have been waiting since XX/XX/23. This can affect my credit negatively and this entity has not clear answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I deposited a check for XXXX on XXXX I asked the clerk when it would post and she told me XXXX. Now there is a hold on the deposit and I cant access my money until XXXX. 

This is a check the cash value of my surrendered life insurance policy. It was printed in the XXXX of XXXX and I just received it in the mail on XXXX. 
Their reply is there is a confidential source that states the funds may not be paid. I have bills to pay! That is why I cashed in my policy. My Father died on XXXX and I have not been working since. I have XXXX children to care for and my car note and insurance are at risk of being repossessed and cancelled. 

This is not right. Had she been truthful with me I could have cashed the check at a XXXX XXXX and paid the fee for the processing. 

Fifth Third Bank is not the bank to bank with. 
I called them this morning to ask them to release the funds and all of the agents I spoke with are reading a script and telling me to refer to the letter, which I already read, in regards to the hold process. 
I am so frustrated right now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX  me and my family received our refund of {$14000.00}. XXXX XXXX  through XXXX XXXX  me and my family did a little shopping for the XXXX we also paid a bill much needed, the bill paid didnt post right away because it usually takes about 3 days to post or for the bank to pull the money from the account. When XX/XX/XXXX came I was restricted from my account and my funds was frozen. This was ver disappointing and stressful. Email after email I sent. Call after call and each time I was given no further information or explanation to whats going on with my account or my families money.I continue to get more emails speaking of my case being escalated and further restrictions until the finally permanently deactivated my account. I sent all the information that was asked for immediately. Inside my emails I explained time and time again that the funds deposited to my account where my families, we where using the funds how we seen fit during the days of the so called suspicious activity, I also explained that my remaining balance should be sent to me or free up for transfer out of there account.upon further research me and my wife has found that this is an normal move for venmo, we found that a huge percentage of people have and are taking law action against the venmo co for these same actions. As soon as a user receives a huge or good enough deposit or transfer Venmo restricts them and freezes their account, with no actual true reason just using false information and holding on and stealing peoples money. They send you through a 180 day wait in case of theft prevention and when the 180 days are up, no one ever gets their funds back.This isnt fair, its theft and it seems like an pyramid scheme of some sort right before the holidays. I spoke to council and was told to put in my claim here first. My remaining balance is over {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account 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