vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/23 I received this email : " Hello, XXXX XXXX XXXX PayPal Your PayPal account is currently limited - We recently asked you to take action on your account, and we haven't received a response. 
Why is your account limited? 
We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we need more information from you. 
To help keep your account secure, please take action on your account. 
We've also temporarily limited certain features in your PayPal account. 
Currently, you won't be able to : Send money Withdraw money Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. 
This will apply to all existing and future cases you receive. 
What should you do? 
Log in to your PayPal account and perform the required tasks. 
XXXX XXXX to PayPal What happens next? 
Once you've finished, we'll review and get back to you with the status of your account within XXXX business days. 
Thanks for taking care of this. 
PayPal '' On XXXX, I submitted all requested documentation, and I received this response. 

" Your information is being reviewed The information you submitted is currently being reviewed by PayPal. Once we complete our review, well get back to you regarding the status of your account in XXXX business days. 
Thank you for your patience. '' As of XX/XX/23 I had not heard anything from PayPal and my funds were still frozen. 


On XX/XX/23 at XXXX ( XXXX ) I contacted PayPal and was told " the system failed to move my account into the correct queue for review. The rep was moving at that time, and I would get a response in XXXX hrs. 

As of XX/XX/23 XXXX ( the time of this complaint ) I have had no response and my funds are still frozen.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : XXXX

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: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group
State: IL

Complaint narrative:
Phoenix Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barred Debt  The above account was reported on my credit report as delinquent to XXXX and identified as opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Phoenix Recovery that applicable to reporting to credit bureaus and collecting payments, I had made a determination that this debt is outside the statute of limitations of Section XXXX of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is FOUR YEARS and the debt was not mine. Per the Statue Phoenix Recovery is mandated to remove this account from my credit report immediately. 

DETAILS ABOUT AUTHORITY TO COLLECT THIS DEBT. 

Dear Phoenix Recovery Group I demand this debt be removed from my credit report per Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. 

I am requesting this removal be remedied expeditiously. 

Sincerely, XXXX XXXX

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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ), Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The credior 's, inabily to truthkuly depict an obligation payment or cred! ' that.

was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. 
My consumer report states that each of the items below needs to be changed toreflect the agreed-upon payment. 

This is A Violation Under 15 USC 1666b. I Was incorrectly Billed.

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: TX

Complaint narrative:
I have filed complaintes against equifax many times with yall on XXXX and they come back saying iquiries are accurate and the collections are accurate and the 3 closed accounts are accurate XXXX, XXXXXXXX XXXX, and XXXX XXXX. I called XXXX XXXX told them this isnt mine, i called XXXX they said they were removing these as well and they havent heard from any credit reporting cmpany so they lie, I have also sent them the fdic theft report with a letter and my drivers license still not removed

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am writing to express my dissatisfaction with your failure to furnish the requested documents and complete the debt validation process, as stipulated in my previous correspondences via mail. Given these circumstances, I insist on the prompt removal of the account you reported from the credit bureaus.

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 — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient student loans is calling me up to 8 times a day for loan payments that are not even 30 days late. The payment is high, so I have to make it when I get paid. When I asked them why they called so much, they said the state of South Carolina allows them To call me once an hour. Ive received over 30 calls in the last 7 days. This is excessive, especially for a loan Ive been paying for over 10 years and have never fallen 30 days past due.

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: PA

Complaint narrative:
I never applied for these cards. Only things Ive done is XXXX and XXXX XXXX

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
My son and I bought a house together and I co-signed for his part of the cost. 
Approximately a month ago my son got a foreclosure notice because he was two months behind on payments. 
Since we have the mortgage payments automatically sent for our joint bank account we were shocked that we were two months behind. 
My son and I called the mortgage company about the situation. The representative said that the XX/XX/2023 payment was not received. He requested a copy of the cleared check which we provided. 
This month my son received another foreclosure notice ( very unsettling for him ) so I went to the mortgage companies website and read a synopsis of their investigation. Apparently they applied the entire mortgage payment to the escrow account!! Why would they do that? 
I have just instructed them to apply the overage in the escrow account to the XXXX payment.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Figure Technologies, Inc
State: ND

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX  with Figure. I was denied immediately due to " XXXX XXXX or type of collateral not sufficient ''. When I reviewed their automatic analysis and the denial letter I determined that they were using outdated public information to determine the value of my property. I reached out to provide the information concerning a recent XXXX 's XXXX XXXX I received that showed a value approximately {$60000.00} more than their automatic system determined. Through the electronic chat and review of the documents provided I determined that their analysis was based on none of the updates that have occurred on my property over the last XXXX years. These enhancements have resulted in an additional XXXX square feet of finished space in my home and some very significant upgrades on the outside of the house. I asked via chat for them to consider this in my property value. I was informed that the company uses only their analysis of the public information available and will not take into account any additional information as I have provided. I see this as an unfair practice as it is not taking into account any work that has been completed on a property. I expressed this to the individual I spoke with, however no additional consideration was provided.

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: TX

Complaint narrative:
I have many complaints against Experian starting back to XXXX they keep coming back the collection are accurate and they have 3 closed accounts that arent accurate. I called them a week agao talked to fraud explaned that the XXXX XXXX XXXX I didnt do to remove the XXXX XXXX XXXX XXXXXXXX I didnt do 4 of them the XXXX i didnt do, I also told them that I talked to XXXX XXXX XXXXXXXX and they said they havent heard from anyone with experian they said they were nitifing them to remove the inquiries. Experian tld me to mail them the XXXX  Identity theft report with a letter and my ID which i did and still nothing, I have attached the letter from XXXX XXXX XXXXXXXX and the id report and letter explaning the sistuation

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I opened a savings account with BMO XXXX XXXX and recently tried to make a withdrawal, but my request was rejected by the bank because they said an account freeze was in place due to potential fraud. I verified all necessary information, and although the customer service rep. agreed everything looked fine, she told me she doesnt have authority to unfreeze my account and that must be done by the fraud team. Unfortunately, no one picks up the fraud teams phone and it goes to a completely full voicemail. Ive now called three times back to customer service, who tells me they cant help me and they transfer me back to the fraud team, which doesnt pick up the phone and has full VM. At this point, I filed a complaint with customer service and just want to close my account, and transfer all money back to the funding account, but they told me that until the fraud team takes action, they cant help me. Even worse, I received an email that my password to my account was changed due to my request, while on the phone with customer service, but I never requested it be changed. When I called back to customer service angry that it was changed, the representative apologized, saying she was the one who changed it and she should have asked permission first. She said that she did it according to internal bank policy in order to open a ticket so the fraud team can help, but I never authorized her to change my password. So now, I dont have access to my online account, the bank has frozen my money, no one in customer service can help, and no one on the fraud team is accessible. Please help! Its right before XXXX and I need access to my money.

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: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: OR

Complaint narrative:
I filled out an application for the SAVE plan for repaying my student loans as I can not afford the high monthly payment that was originally posted. I have called four times and spoken with a representative each time. They tell me that my application is being processed and a new monthly payment will be posted shortly. They also tell me that the past due balances will be erased when the new monthly payment is posted. It has been four or five months now and multiple calls. The monthly payment amount has not changed and the past due balances continues to grow. I never received any confirmation from them that my application to SAVE was being processed or had been processed. I never receive any notifications regarding my new payment amounts.

Company response to consumer: Closed with explanation