vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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:
On XX/XX/22 I received funds into my account in the amount of {$1500.00}. I attempted several times to transfer those funds to my bank account. I contacted PayPal and was told it would be on hold for 48 hours. On XX/XX/22 I again attempted to transfer my funds. I contacted PayPal again. I was told my funds would be on hold for 48 after the problem was resolved. I was informed by PayPal that there was a problem verifying my identity, but I had verified my identity several times with them and they disclosed much of my account information with me. Ive spent several hours on the phone with customer service representatives. At one point I was transferred to a supervisor after requesting to speak with a supervisor for a few hours. That supervisor hung up on me me. Totally unacceptable behavior. This morningXXXX, I attempted to transfer my funds to my bank account again. I was then informed that my funds were being placed on hold again so PayPal can verify my transfer is legitimate. I have done everything PayPal has requested of me to verify who I am, and yet they continue to be unwilling to resolve this issue. This seems to be an ongoing problem with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian Corporation to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account 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 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WV

Complaint narrative:
I am concerned with predatory practices which took place over 20 years ago. I was a federal student loan recipient and when I graduated from medical school I was told to consolidate. I chose AES to do the consolidation. As a 20 something who was facing 100K+ student loan debt I agreed to go with the company. I did not realize that I would never be afforded the same rights and protections as a federal loan recipient. I have been dutifully been paying for 20 years and had to refinance part with another lender last year for better interest rates. They would never speak with me about lowering interest rates, and split my payments so the majority went to interest. After 20 years I still owe approximately XXXX. On several occasions through the years my payments were misapplied ( due to my online bill pay being used and not their website ), and when I called they were " fixed ''. I also had to go only to their website to pay or they would split payments. When I requested a full transcript last year during refinance none of these errors were noted. I feel like they have adjusted the transcript to not accurately reflect my account. The one loan I could not refinance is because they say it was not an education loan. They would not admit that it was for a XXXX XXXX Assistance XXXX ( XXXX ) as it was used to pay off a XXXX loan. So its a new loan and I had to keep it with them! I don't know what to do besides to keep on paying however when I read about your department today i thought I would report it. I figure I am stuck and I understand that but I believe AES/PHEAA were dishonest with me years ago to my detriment and the detriment of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RFNA, LP
State: SC

Complaint narrative:
It was said that in the event of not paying the loan, the auto that was used to secure the loan ( collateral ) would satisfy the debt ( personal loan ) .The vehicle was voluntarily surrendered to Republic Finance LLC . There is no knowledge of the vehicle being sold or auctioned off. No correspondence has been received nor did they deduct anything from the balance owed. All that I am seeing on my consumer report is interest being added to this account every month. Inaccurate information has been reported on this account since being in collection/ charged off. Disputes have been made with updates only. Republic Finance LLC should be held accountable for reporting false, inaccurate, information on my consumer file. This account has been inaccurate since XXXX. The following laws have been violated : 1681s-2 ( a ) ( 1 ) ( a ), 1681s- ( 2 ( b ) ( i ) 1692d ( 1 ), 1692e ( 2 ) ( a ), 1681b ( a ) ( 2 ). Amount owed {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
They lied and said they did not know where the car is but repoe the car after I gave them XXXX rollers down payment credit acceptance corp and XXXX XXXX XXXX XXXX I got a letter 9 months after the fact they had the car then tried to impersonate me trying to have me pay XXXX for a car in the body shop that wasnt mine they said it did not go straight there the dealer said they were trying to make a quick Buck out of me when I brought up a lawer credit acceptance corp and 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a bankruptcy reporting that was discharged in 2019.

I have spoke with the courts and they told me they do not report to the credit agencies.

I have contacted the credit agencies and requested a deletion showing a letter the court gave me. I have attached the same copy.

I have been working very hard on my credit over the years and I am trying to refinance my car and one day buy a home. Please help me in removing this negative judgement from my report.

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 602 A states : 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 2022-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
My auto-loan payments are not being processed by Truist, the new holder of my auto loan. When I make a payment, the payment is immediately returned as " non-sufficient funds '' despite those funds being available. as of XXXX, after a paycheck deposited as cash, a payment was made to this loan provider and was rejected the same day. this has resulted in repeated late charges and the danger of my vehicle being repossessed. this is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Applied jointly in late XX/XX/XXXX for mortgage refinance with our bank of 30 years, Citizens Bank. Seemingly intentional delay of processing for months, then when final employment verification was finally sent for one of us in XXXX, employment conditions had changed due to XXXX developed. Loan was denied. We are well-qualified for the loan. Asking for XXXX on a XXXX home that is almost paid off ( XXXX cash out & some payoffs included ) One of us developed serious XXXX issue ( XXXX XXXX ) that led to going on XXXX XXXX while waiting for this refi to get processed. Loan officer and local branch manager were asked to to consider upcoming XXXX  XXXX payments as income but ignored and loan denied. Loan was reprocessed at significantly higher rate and fees with only other spouse-we were told it was only option. That loan hasn't closed yet. 
XX/XX/XXXX we were accused by phone of misrepresenting employment verification in XXXX ; the transition to XXXX hadn't even occurred yet then and we thought we'd be continuing in regular position with accommodations at that time. That ended up not happening, but didn't know that then. 
We've shared concerns with local and regional managers at Citizens, as well as the CEO. I was told XXXX weeks ago by CEO 's office that they were investigating, but no information has been shared since. Local and regional management basically ignored the issue and pushed higher cost loan forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The sale of personal information to collection agencies and bureaus dark pattern that is hurting 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent a debt validation letter to early warning whos reporting a XXXX ACCOUNT on my report not Allowing me to opening a checking account due to false information. They responded they were not able to access the account or send me such proof on how they validated this account belong to me .isnt this illegal to be reporting an account YOU ( early warning XXXX XXXX ) dont have access to??? I recently contact XXXX for validation as well and they were unable to confirm this account belong to me as well. STILL MY EARLY WARNING CONSUMERS REPORT SHOWS THIS INVALID ACCOUNT. PLEASE HELP attached document will be attached of proof that early warning couldnt send me validation or set signature of what I requested for validation. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, XXXXnaccurate.18 If the person does not specify such an address, the FCRA prohibits the person from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.19 The statute defines reasonable cause to believe that the information is inaccurate to mean having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.20

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I received an email from discover which looked like spam asking me to sign form XXXX. I called Discover and was advised that I needed to complete this form by XX/XX/XXXX or my account would be closed for non compliance. I have had this Discover card since XXXX with no issues and have always made my payments on time and mostly have paid the card in full every month. I have never been asked for to sign this form with any other company. And I have an XXXX with a XXXX spend limit. I could see sending something for income verification at application or if I requested a credit line increase, but I have not done anything like that. This seems to be retaliation from Discover since I sued them last year for a fraudulent charge that they would not remove. I cant see how a company would be allowed to access my tax returns when there really isnt a need for them to do so. This seems extremely predatory and deceptive to ask for this after five years and only after we settled our case last year. Its also odd that from most of the reviews I have read online about this is that Discover is closing cards if there are discrepancys which I also find odd considering most people use household income and some households file separate returns if they arent married.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC
State: TX

Complaint narrative:
I was contacted and scammed but a debt consolidation company trying to fraud me out of money saying to pay the fees for 5 months, and my student loan debt would be paid off in 1 year.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
I HAVE NEW AND UPDATED INFORMATION TO ADDRESS THIS COMPLAINT. THIS IS NOT A DUPLICATE COMPLAINT. 

In response to CFPB complaint case number XXXX, SELF FINANCIAL, INC. attached statements claiming that I have been late in making payments as of XX/XX/2020 through XX/XX/2020. These computerized statements have been modified and are false and misleading. The law is very clear when it states that billing statements must be authenticated if given as evidence. Unauthenticated computerized copies of billing statements does not validate any billing errors. In CFPB complaint case number XXXX, SELF FINANCIAL , INC. stated that I was only late on XX/XX/2020, XX/XX/2020, and XX/XX/2020. By this response, along with a copy of my credit report showing the inaccuracies from XXXX, XXXX, and XXXX that's attached to this complaint, is proof that SELF FINANCIAL, INC. is indulging in unlawful extortionate means with forethought and malice to continue bringing harm to me and my financial reputation. I'm well aware that the information provided in my consumer report must report with maximum accuracy pursuant to 15 USC 1681e ( b ) and the copy of my credit report that's attached does not show that. I have even provided SELF FINANCIAL, INC. their statement, in CFPB complaint case number XXXX, that they've provided to me that they claimed to have sent to the credit reporting agencies for a deletion of all late payments and it still remains on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
In XXXX, I attended a wedding in XXXX at an all-inclusive resort. I paid for a double occupancy room. When we arrived, we were charged an additional {$140.00} for the second person even though the room was prepaid. After the wedding, the wedding planner tried to resolved the issue with the hotel. They said I needed to provide my full credit card number and information via email. I was not willing to provide the number over regular email ( not secure email ). Instead, I disputed the charge through my credit card company. Even though the hotel had already admitted that a refund was owed, they provided information showing I was there and therefore the disputed amount was not returned to me. With no other options available, I just stopped using the credit card. Recently ( letter dated XX/XX/XXXX ), I received another letter from Synchrony Bank asking about this charge and if I felt the inquiry was handled correctly. Obviously it was not. When I called the phone number provided, it reaches Synchrony Bank but is disconnected.

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 monetary relief
Consumer complaint received 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following accounts below were reported incorrectly and inaccurately EQUIFAX with no supporting documents of that this is valid and have no error. The payment history is incomplete and they failed to provide any proof which I already requested for so many times.. Moreover, the accounts have illegally re-aged which is totally not acceptable as per Federal Credit Reporting Act requires 100 % accuracy. The issues have been raised previously with no feedback received. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation