vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX  advertised sea glass XXXX trees from XXXX. XX/XX/23 I purchased them, using my PayPal account to access finds through my bank to pay. 
I started getting spam emails offering current status of shipment across random places across the US. I filed a complaint w PayPal after researching the poor reviews/complaints about XXXXXXXX XXXX XXXX XXXX XXXX XXXX Literally, the day I sent a complaint the items arrived. Not sea-glass or even close to sea-glass like quality. They looked like a poured plastic souvenir w a hard plastic resin star fish on top. 
The PayPal dispute is still under review- unbelievable.

PayPal does not represent the consumer in these situations and these fake XXXX companies are successfully bulking money from US citizens. Where are the consumer rights? XXXX isn't held accountable? These items are probably made of toxic substances. Obviously customs or USPS isn't inspecting items mailed directly to consumers. I want a full refund and I will not be mailing them back to XXXX. 
PayPal says they have consumer protection from being ripped off. If anything it feels like they are siding with disreputable merchants each and every time there is an issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
Carrington Mortgage now holds my loan. My loan was opened in XXXX of 2023 and held by XXXX from XX/XX/year> through XX/XX/year>. I then made a XXXX payment to them as I was unaware that my loan was transferring to XXXX XXXX XX/XX/XXXX. I then tried to get XXXX XXXX to fix the issue, and they kept asking me for proof of payment which I could not provide as I paid my payment using My XXXX XXXX XXXX XXXX, which are Electronic Payments. What I did provide was proof that I paid each payment with XXXX XXXX, which they refused to accept. Carrington is now sending me Intent to Foreclose Letters. I can not afford a lawyer to deal with this issue, and I can not afford to send a payment of {$2700.00} which I do not owe. My bank gave me a Reference number of XXXX for the payment they say that I never made. I am able to show bank statements to prove I made every single payment. Please help. Thank you XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Urgent Inquiry Regarding Credit Denial and Regulatory Compliance Opportunity to cure Dear American Express, I applied with my social and got denied regardless of my credit being denied. I believe there are aspects of this denial that raise questions regarding compliance with regulations set forth by the SEC, OCC, and FDIC. 

In reviewing American Express prospects dated XXXX XXXX XXXX I came across information in your own filing that emphasizes the extensive regulation and supervision under federal and state law. The disclosure highlights the broad enforcement powers held by banking regulatory authorities, including the FDIC, OCC, and CFPB, over American Express National Bank ( AENB ). 

Specifically, the filing states that federal bank regulatory authorities have the power to order the bank or its affiliates to rescind agreements, refuse to perform obligations, terminate activities, or take other actions if they find any unsafe or unsound practices or violations of laws, rules, regulations, or agreements. 

While I understand the necessity of regulatory oversight, it is crucial to ensure that such regulatory actions are applied fairly and justly. In light of the denial of my credit application, I am seeking clarification on how the decision aligns with the regulatory framework and whether any concerns raised by regulatory authorities influenced this outcome. 

Furthermore, I want to draw attention to the prospect 's statement that regulatory action could result in delays or reductions in payments to certificate holders. This raises additional questions about the potential impact on individual credit decisions. 

I am eager to resolve this matter amicably and seek your assistance in providing a detailed explanation of the factors contributing to the credit denial, ensuring alignment with regulatory requirements. Your prompt attention to this inquiry is appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX, agent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
Optum Bank holds my funds in a XXXX account. They offer a direct payment system to pay healthcare providers directly from those funds by entering the payment information online. I requested payment to XXXX XXXX for {$30.00}. They claim they sent payment via a " Virtual Card '', which the provider said they never received. I have asked them to resolve this with the provider, but they refuse. They are not reachable via phone, only thru messaging. Every message sent is received/responded by a different individual, so they keep repeating the same excuses and resolve nothing. At this point, I need to pay the provider ( again ) with regular funds to try to preserve my credit rating. I want Optum Bank to be investigated for fraud, as they claim to send payments but " Virtually '' do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I am writing to officially bring to your attention an incident of identity theft that has recently come to my notice. Following a thorough examination of my credit report, I identified numerous unauthorized accounts and inquiries that were not initiated by me. I want to emphasize that I did not apply for these accounts, leaving me certain that I am a victim of identity theft. 

In response to this alarming situation, I have taken decisive steps to rectify the issue. I have filed a comprehensive police report outlining the details of the identity theft and promptly reported the incident to the Federal Trade Commission. I am reaching out to you as an essential part of my effort to address this matter urgently. 

I kindly request that you initiate a swift investigation into the fraudulent entries on my credit report. Once identified, please take immediate action to remove these unauthorized accounts. I seek your assurance that this correction will be promptly confirmed and communicated to me in writing. 

Your immediate attention to this matter is crucial, and I appreciate your cooperation in resolving this identity theft incident efficiently. 

Thank you for your prompt consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws Equifax has violated from reporting illegal late payments toIt is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE FROM MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX has violated from reporting illegal late payments toIt is the policy of the Congress that each financial institution allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE FROM MY CONSUMER REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
To Whom It May Concern : I have repeatedly asked XXXX XXXX CREDIT REPORTING AGENCY for evidence to support reporting, but yet again, XXXX XXXX CREDIT REPORTING AGENCY have failed to provide me with a copy of any viable evidence submitted by NATIONAL CREDIT ADJUST collection agency substantiating their claims ( account # XXXX amount {$990.00}. Furthermore, I have requested XXXX XXXX CREDIT REPORTING AGENCY method of verification, to date have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). This letter is in response to XXXX XXXX CREDIT REPORTING AGENCY recent claim XX/XX/XXXX that NATIONAL CREDIT ADJUST, collection agency, has verified that the ( account # XXXX ( XXXX XXXX amount {$990.00} ) they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a re investigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security # XXXX number. I am maintaining a careful record of my communications with XXXX XXXX CREDIT REPORTING AGENCY for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your non-willfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
In CFPB complaint XXXX Portfolio Recovery Associates claimed in their response that " Judgment was obtained '' in case XXXX. THIS IS FALSE. In fact their lawfirm has filed a motion to strike my answer to their lawsuit and currently a hearing is scheduled on it. Notification of Service Case Number : XXXX Case Style : PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX Envelope Number : XXXX. NO JUDGEMENT HAS BEEN OBTAINED. I think they are hoping that if they tell me judgement has been obtained that I will not show up in court and they will win by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield contacted me regarding a debt sent to them from XXXX XXXX . Hunter Warfield failed to read the documents that was submitted by XXXX, as it clearly states on item XXXX that all disputes will be handled between the Landlord and Tenant through binding arbitration. My account should not have been sent to collections and I have a legal right to dispute any charges per my lease agreement and not be subjected to harassment from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
The company community choice financial bought out check into Cash they are trying to say that I got a new loan for over {$5000.00} this is fraud they did supply me with two different contracts and when is signed when is not they're usually is more information on a title loan I have the paperwork from the title loan that I did get and then I paid in full and there is missing information on this new title loan I have really gone over this with the company they are trying to say that I do owe this and I know I do not I told him it is fraud they don't care I they have my title they will not give it back and I do have proof that I paid this off

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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 XXXXXXXX XXXX XXXX XXXX and DEPTEDXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-01-25 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: PR

Complaint narrative:
Student loans PAID IN FULL DUE TO CONSOLIDATION by XXXX on XX/XX/2024. 

This information was sent to me on XX/XX/2024 and is also updated in my FAFSA account. 

Experian and XXXX refuses to update my student loan from my credit report. XXXX already did it after the first dispute.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been unable to obtain my weekly credit report online using annual credit report .com from transunion. It only allows me to get it via paper or mail and this has been going on about 8 months. Because of them, since they are listed on annual report .con before XXXX , I also dont get to see my XXXX report for free because it is listed after transunion and the system freezes up on transunion because they arent releasing my free and easy credit report as they should.

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 2024-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merrill lynch accepted my deposit but will not return my funds and they did not send the check back because it was already cashed I have paid the other party back last year because it was a mixup somehow that has nothing to do with Merrill lynch the check was cashed with Merrill lynch and XXXX paid them .the check was rejected from the other party and not accepted because they were not supposed to try n deposit it anyway but that situation has already been handled and they have their funds but I dont I have not received anything from my check that Merrill lynch cashed n Im not stopping until I receive my funds they just disbursed them again and now I see Im going to have to get a lawyer and file a lawsuit the check was with Merrill lynch first not the other party and Im also suing the other party as well for falsified documents and lies I have a right to change my mind and thats where the discrepancy came in Merrill lynch has my funds and I want them next Im calling the IRS and attorney general my account was not supposed to be discussed with my permission anyway and furthermore the money was their for a month in a half then gone I even tried to put a stop payment but it was too late because Merrill already cashed the check they didnt return anything the other party did fraud not me and I can prove it that is my tax refund money and I want what belongs to me. Its been 13 years with Merrill lynch and my race also is a problem with them Im filing a lawsuit and the check could not have went back or funds either cause XXXX  is not accepting anything due to account closed.

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