vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On or about XX/XX/21 i recieved an email from PayPal saying that my account is now restricted and i dont have access to my funds or use the account anymore for violating their term of service. I reached out to the company and found out that they think i am associated with someone who used their service for gambling purpose. I do not use the account for that purpose. I did not know that you can be guilty by association. I do not think that association is part of their terms of service. In addition, i honestly do not even know who i am " associated '' with that cause this. My account conducta business with a plethora of people so there is no way for me to vet any " associations ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.

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 2021-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I JUST REVIEWED MY MOST RECENT CREDIT REPORT AND CAME ACROSS SEVERAL ERRORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from 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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from 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 2021-06-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX score went up after reducing overall debt on XX/XX/XXXX. Equifax did not reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi, i have an account with chime bank since XXXX, I traveled to XXXX last month and after three weeks while in XXXX i found two unknown transactions ( withdrawals ) on my account from an Atm in New York on XX/XX/XXXX for {XXXX} so i called the bank and i told them that wasnt me and that im in XXXX and i have my card with me in my hand so they told me its a fraud and we will cancel your current card and send you a new one and we will open an investigation and will return the money back in 10 business days, after 10 days they sent me an email that the investigation is closed and my dispute is denied and I wont get my money back so i called them to ask why and i told them that i have all the proofs that im in XXXX and my card is with me, how come someone else use it in New York .They told me that this is their final decision and they wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: World Acceptance Corporation
State: KY

Complaint narrative:
World Finance Corporation ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and World Finance continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. World Finance has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with XXXX and it is still being reported by XXXX and has caused my credit rating to increase then decrease each time World Finance updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that World Finance is continuing to make entries on my credit report maliciously. I also feel that XXXX has not researched the debt correctly and has continuously allowed World Finance to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
License Number : Address : XXXX XXXX XXXX City : XXXX XXXX XXXX : TX XXXX XXXX : XXXX Phone Number : ( XXXX ) XXXX Person dealt with : Rep XXXX transfered to Supervisor Email Address : XXXX Complaint : I am a customer of the Institution. My Payment due date is the 16th of every month. 

I reached out to the institution spoke to Representative whos name is XXXX, then transferred to Supervisor. I unfortunately I did not get his name, Needless to say he couldn't or wouldn't work with me. He stated that neither he nor I was at fault for the delay in mail delivery, but I will still be penalized. No If and or buts. 

I also inquired if whether their Covid 19 relief that they offed could help being that USPS struggles are likely due to the pandemic. He responded No. 

I have always paid above minimum, XXXX XXXX. 
I have used my credit union bill pay service for more than 15years, NEVER have I had this issue EVER with any other accounts I have set up for my Bill pay send auto payment to XXXX XXXX XXXX on the 5th of the month! Again My check is mailed on the 5th on any given month. 

Being that I am XXXX, on a fixed low income, which is deposited on the 2nd of every month, I really cant mail it any earlier than the 3rd of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have recently obtained a copy of my credit report. Macy department Stores continously are choosing not to respond to me. This company is violating my rights as according to the Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) saying that I owe this alleged debt is an violation 15 usc 1692b 15usc 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692d harassing me harming my reputation and continuously advertising this debt.

15 USC 1692e 15 USC 1692f These are the violations that this company have violated.

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 2021-06-13 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: LA

Complaint narrative:
This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My Transunion score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.

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 2021-06-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX  score went up after reducing overall debt on XX/XX/XXXX. XXXX did not reflect this.

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 2021-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Signed up for the {XXXX} statement credit prom, after paying for a XXXX XXXX XXXX XXXX, using the discover credit card. 

Never received the XXXX} back at the end of the promo. Tried calling around XXXX, the rep told me I needed to make purchases using my credit card for 2 billing cycles, I did it. Called again today ( XX/XX/2021 ) - Supervisor said that all {XXXX} credits were issued by XXXX. If I didn't receive it, it means I didn't meet all promo requirements - She couldn't give me much more specifics.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13 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: GreenSky, LLC
State: CA

Complaint narrative:
Greensky Financial is reporting inaccurate information to the each of the credit bureaus showing a 30 day late payment to XXXX XXXX of 2020 and On time payment the same month and year to XXXX and XXXX. As well as another 30 day late that following month of XXXX 2020 to XXXX and on time to XXXX and XXXX. I have called about this issue and spoke to countless representatives that have communicated the error and would remove but yet the inaccuracies still remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XXXX XXXX the company Lexis Nexis risk solution advised a potential creditor that I have an eviction and lien on my record. I have no record of that on any of my other credit reports. I have never been evicted from any of my past rental homes. Please help me! I am afraid to apply for anything because if this. I am trying yo repair my credit since s job loss in XXXX. Thankyou for your attention in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Hello, I have withdrawn XXXX XXXX  cryptocurrencies via XXXX XXXX on XX/XX/XXXX XXXX. I entered my wallet address incorrectly when I was going to withdraw to another exchange ( XXXX XXXX ). When I realized it, I contacted my exchange, but they said that they could not stop the transaction, the support line did not deal with the transaction in any way, they just said they were sorry and the transaction could not be withdrawn, they did not accept my loss in any way. Plase help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2021 I sent a letter to the credit bureaus requesting that the information regarding the charge-off balance be REMOVED along with the monthly reporting. Also the debt is past the " statue of Limitations '' for credit reporting. Nothing has been done nor have they responded to my request. They are in violation of my rights to fair reporting ( fcra ).

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 2021-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and XXXX XXXX continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. XXXX XXXX has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with Experian and it is still being reported by Experian and has caused my credit rating to increase then decrease each time XXXX XXXX updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that XXXX XXXX is continuing to make entries on my credit report maliciously. I also feel that Experian has not researched the debt correctly and has continuously allowed XXXX XXXX to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.

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 2021-06-13 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: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : Caliber Home loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer Caliber transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with Caliber and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to Caliber for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that Caliber has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her law degree as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS.

Please help us, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK
State: WI

Complaint narrative:
I received checks in the mail from E trade financial.I do not have or never had any type of account with them.Hackers? What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13 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: CA

Complaint narrative:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, 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 2021-06-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2021 To : CFPB/Dept. of Business Oversight From : XXXX XXXX RE : XXXX XXXX loans loan # XXXX CFPB, I woke up today to my credit monitoring indicating my score dropped 51 points due to my mortgage servicer XXXX transferring my loan and upon transfer showing I am 120 days late. I have been under forbearance with XXXX and all recorded phone calls have verified my credit report would not be impacted. They lie yet again. Documents dated XX/XX/2021 show my trial payment plan in which I have made all payments ON TIME. They decided in the middle of the trial plan to TRANSFER MY SERVICING TO XXXX XXXX- HOW THIS IS LEGAL IS BEYOND ME AS NOW THAT IS ENTIRELY IMPACTED AS WELL. XXXX  XXXX DOES NOT HAVE THE CORRECT DATA TO MY LOAN. 

Payments were made to XXXX for XXXX and XXXX. They transferred my loan on XX/XX/XXXX and the last XXXX payment was made to XXXX XXXX. 

All three credit bureaus report now as of XX/XX/2021 that my mortgage is 120 days past due. How is this legal and acceptable based on being impacted by Covid when I have made payments on time and can easily prove that? Why do they get away with this? I was just going to try and refinance in a few months and now this will delay or not allow me as a consumer to get a refinance to lower rate. 

I have done all that XXXX has asked, made my payments on time, suffer through their transfer now and its continuing to hurt me as the consumer. I am blessed my wife is both a lender and has her XXXX XXXX as we find its no use to even call them to rectify, we have to report this to the CFPB to get corrected on ALL THREE BUREAUS. 

Please help us, XXXX XXXX

Company response to consumer: Closed with explanation