vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased a software program from the company XXXX XXXX XXXX XXXX XXXX XXXX  and paid {$89.00} which was processed through PayPal. A license code accompanied the purchase receipt. The vendor is listed as XXXX XXXX XXXX. 
However, the license code provided did not function and the software rejected it as " NOT VALID - Error code XXXX '' I called the software company who told me it seemed that the vendor that sold me the software was selliing pirated programs. 
I then emailed XXXX company - twice - and received no response. 
On XX/XX/2023 I filed a complaint with PayPal XXXX agent " XXXX '' # XXXX ; subsequently received an email with Case ID XXXX. However, this case ID never appeared on my PayPal webpage and I had no way to access the complaint. 
I telephoned again on XX/XX/XXXX, spoke with male agent " XXXX '' who looked the charge noting that it was {$89.00}, then disconected the phone call. 
I telephoned a third time and spoke with male agent " : XXXX '' # XXXX who eventually said he cancelled the transaction and that I would get a refund by XXXX XXXX. 
However, XXXX also told me that the vendor would not be suspended and that nothing would currently be done with the issue that XXXX was hosting a vendor that was offering fraudulent software.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I took a look at my consumer reports and saw late payments being reported by this company for the following months ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act capital one accounting # XXXX, has violated my right. 15USC 1681 Section 602 States that I have right to privacy. 15 USC 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The payment for my mortgage was taken originally from my bank account. It showed my account was in good standing. Several days later my bank declined the transaction due to insufficient funds. 
Once that happened, my mortgage company turned off the auto-bill pay that was set up through my mortgage company without any notification, which resulted in an incorrect 30-day delinquency. 
The real issue is that they turned off auto-bill pay without notification. I had no notification that the initial transaction was declined due to insufficient funds. The fact that my mortgage company turned off the automatic bill pay is what caused the delinquency. The fact that the funds were not their initially is not in question. But the fact that they shut off the auto-bill pay is what caused the issue to be reported to the credit bureau XXXX 
To this day, I have not received any alerts from XXXX XXXX. 
When we contacted them requesting proof of them contacting me, the person I spoke with XXXX, stated they refused to send me proof and that could only be requested via email.

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 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
ccount Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type EDUCATION_LOAN Original Creditor Name Months Reviewed 3 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration 25 MONTHS Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit High Credit {$870.00} Available Credit Account Dates Date Opened XXXX XXXX XXXX Date Reported XX/XX/XXXX Date of Last Activity XXXX XXXX Date of First Delinquency Comments and Contact For questions regarding this account please contact : SALLIE MAE XXXX XXXX XXXX XXXX, PA XXXX XXXX am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : XXXX XXXX XXXX  - XX/XX/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

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 2023-11-15 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: GA

Complaint narrative:
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 I have the right to privacy 15 U S C 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions or crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( A ) ( 1 ) a person may 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 2023-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: MA

Complaint narrative:
I never received a proof of debt after asking for one multiple times.

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 2023-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
XX/XX/2022 XXXX, XXXX JPMCB CARD POTENTIALLY NEGATIVE I am looking to get this removed out my credit report, I paid this off and will like for it to be removed so my credit can go up. I am a hard worker, and I am trying to buy a house. Please remove this out my credit report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IA

Complaint narrative:
In XXXX of 2023 I sent a Experian a dispute with tracking information. ( XXXX : picked up by postal facility at XXXXXXXX XXXX on XX/XX/2023 ) I contacted them again in XXXX and sent them another certified letter ( XXXX : Your item was picked up at a postal facility at XXXXXXXX XXXX  on XX/XX/2023 in XXXXXXXX XXXX XXXXXXXX. ) they acknowledge they got the one in XXXX, but say theyd somehow dont have the one sent in XXXX. They were signed for by a XXXX XXXX and XXXX XXXX from Experian acknowledge that that is a person in their mail area. I still do not have answers to why my dispute was not responded to. I sent a paid in full letter to the account. ( a representative from Experian called me today and admitted that they did not even know what the dispute was about- even though every document was in the letters that have tracking numbers above ) she admitted that the name on the account on my credit report is different from the original creditor : this is why I think they screwed up because they didnt realize it was the same account! I still have yet for them to take it off my credit report, even though the dispute never went through

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 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I cancelled my account with XXXX who's service had been down a good part of the previous billing period on XX/XX/XXXX. XXXX charged my card on the XXXX. I disputed with the credit card company and they denied my claim. The evidence that XXXX sent is blurry and printed with light ink on a light background. It is unreadable. My browsing history shows I modified my account on the XXXX. It also shows a lot of information showing the service had been down for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: IL

Complaint narrative:
I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.

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 2023-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have not received a mortgage statement since XXXX of XXXX. 

When my mother passed away during XXXX, I became the administrator of her estate. Mr Cooper ( formerly Nationstar ) was notified of this and began interacting with me. At the beginning of XXXX, my mailing address changed. Mr Cooper was notified of this change both via phone and via mail. However, I have not received any statements since XX/XX/XXXX. 

I have attached a copy of the notice letter to this complaint. The copy is not signed, but the notice that I mailed to Mr Cooper is signed. 

I have tried calling, but Mr Cooper uses a malfunctioning voice recognition system that says partial words, stops, and acts as though the user has said something even though the user has said nothing. As a result, I am unable to reach a person and unable to communicate with them via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My student loan servicer is intentionally delaying my teacher student loan forgiveness. After completing my 5 years teaching in a high needs school, I submitted by application to Great Lakes Borrower Service. Unfortunately, my loan was transferred to Nelnet during that process. I resubmitted my application and Nelnet sent the application back to me on reasonable cause. I have since had to resubmit my loan forgiveness application 5 times for various petty reasons such as the signature date being too old or the signature being slightly faded. Does the signature date actually matter? The signature was old due to the fact Nelnet took over my loan. They also fail to tell me about these issues upfront. I did not learn the signature date was an issue until my 3rd resubmission. If it truly was an issue, why wasn't I told that upfront when I made other corrections. 

Every time I resubmit my application I ask for any corrections to be emailed back to me but instead they mail it back to me which delays the process even longer. They flat out disregard my request to email. 

Additionally, Nelnet 's resubmission process is intentionally flawed. There is no way to submit my application through the website. I can only submit it through email or through mail. Unfortunately, they often ignore the email until I file a complaint through their website. If I try to call I am met with XXXX wait times ( no callback option ) with the worst customer service imaginable. I have been disconnected and flat out told I just need to wait even though they have exceeded the XXXX business day wait period in which they say I will hear back from them. I submitted my most recent resubmission XX/XX/XXXX and have no heard a single thing back from them despite numerous attempts. A simple correction should take mere seconds to check. 

If I email them I am sent back an automated email with a list of frequently asked questions. It is a do not reply email so they have effectively eliminated any communication. Nelnet practices malicious incompetence to ensure all payments are continued let alone the extra interest it is accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Someone obtained my information and opened a credit card with Synchrony Bank/TJ Maxx credit card. I believe they rented a car with XXXX rental car company with that card. The rental car company told me they have my Driver 's License on file and that they have security camera footage of me getting in the car in XXXX XXXX. I have never been to XXXX XXXX in my life. They confirmed they had my XXXX Driver 's License on file and when they read to the # to me it became apparent that they had my former Kansas Driver 's license #. 

Someone also opened a Personal Loan with XXXX XXXX for approximately {$6000.00}. 

I have never done any business with either of these companies. 

I have spoke with all 3 Credit Bureau 's and 2 of them are investigating these fraudulent activities.

I believe they have my Social Security Number.

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 2023-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XXXX I came to the XXXX XXXX XXXX XXXX XXXX to see about getting my smile corrected. I filled out the application with the pay to the order of : XXXX XXXX XXXX XXXX and I signed my name along with my social security number to have procedure paid in full. I discovered on XXXX that XXXX XXXX XXXX conducted a soft pull on my credit report without my knowledge or consent. The date of the transaction was XXXX before I filled out the application which is odd to me. I spoke to a representative of clear choice on XXXX about this situation and he denied that this transaction even took place, He also stated that the only way that can happen is if I asked for funding which I did not. So I made sure I received a copy of the application before I left that day. I sent a letter asking for documentation of the authorization for this transaction that took place and no one has responded to me. I recently had an appointment on XXXX and I was asked about how I was going to pay for the procedure. I had to do an application for Care Credit and my application was denied without reason. Once I signed the application and stated pay to the order of : XXXX XXXX XXXX  XXXX XXXX, I was not supposed to be asked about more payment, especially {$35000.00} worth of payment.

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 2023-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: LA

Complaint narrative:
One XX/XX/2023 I sent in a dispute to have an alleged debt that was reported to my credit report validated. Since then I have sent out another dispute on XXXX XXXX being that they did not respond attempting to get a response once again and still nothing. According to FDCPA I have the right to request and receive validation of debt in which I still have not received!

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 2023-11-15 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: GA

Complaint narrative:
On XXXX XXXX XXXX I sent a certified dispute letter ( with return receipt ) to Equifax requesting the removal of inaccurate debt being reported on my account. On XX/XX/XXXX I received a letter from Equifax requesting verification of identity. I sent the verification information, a copy of letter received from Equifax, as well as dispute letter to ensure all necessary information was received on XX/XX/XXXX. On XX/XX/XXXX I called Equifax to ask how to upload of copy of the XXXX tracking information to show the dates mail was received ; signed for, and inform them the requested items were well over the 30 day verification timeline, and the items must legally be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my XXXX  well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
When I opened an American Express charge card, XXXX of the " perks '' was an American Express XXXX Savings Account, at AMEX BANK XXXX XXXX and every time the card was used, AX would deposit 1 % of the purchases into the account, that back then was 5.00 % APY. I opened the card in XXXX and closed it this year in XXXX, after I was told by the XXXX XXXX in XXXX that it is considered a " white '' American Express and I was unable to use it there. This past weekend I was clearing out data and found the attached. After numerous attempts to log in online, I phoned American Express who said they didn't have any record of me having an account and the money isn't with the state or IRS, so where did it go? American Express robbed me and numerous others with what appears to be bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks

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