vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
There is something " odd '' going on with my account I had a negative balance in my PayPal account ( of the chargeback less the PayPal fee ) after making several transfers to correct the problem it is finally fixed. 

I was wrongly charged for a PayPal XXXX XXXX for XXXX less the PayPal fee, that really is not supposed to be covered by PayPal as it is a SERVICE BEING SOLD. 

AFTER MAKING MORE THAN XXXX TRANSFER THE PROBLEM WAS NOT CORRECTED. YET THE PAYPAL DISPUTE HAS NOT BEEN ADJUDICATED YET? I would like a full accounting of both of my PayPal accounts ( XXXX XXXX My bank account that I have been trying to add for months will not allow me to add it and they are the correct deposits as you can see from the evidence attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Experian - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Received an attempt to contact me by a representative at Transworld Systems collection agency on XX/XX/2022. They did not leave a voicemail, so I called back to investigate. This phone call was an attempt to collect a debt that is not owed, no prior knowledge of the debt or the company that issued a request to collect a debt. 

They used an old address of mine to verify who I was. 

Details of the debt from the phone call : XXXX company requesting around {$69.00} debt collection from a bounced check. 

I told Transworld systems that this is a fraudulent check, I never use checks to pay for anything and I don't do any sort of gambling. 

I contacted transworld systems a second time to confirm some details and the last name they had on file for me is incorrect. They then removed my phone number from their contact list.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act 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 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-21 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: CA

Complaint narrative:
I was in XXXX XXXX jail from XX/XX/XXXX till XX/XX/XXXX when I was released I was locked out of my chime account it took almost XXXX weeks to get back in only to find that over XXXX dollars was taken from my account I filed a claim letting chime know that I was in jail and still had my card I sent them proof of my incarceration to show them there was no possible way I could have used my card I was in a maximum security jail my card must have been cloned cause I still have mine and it was used all over California they gave me a decision in XXXX minutes denying my claim so I filed again and more of the same they keep saying no error has happened I keep sending them emails with the proof of my were about and tell them it was a theft not a error so I used my new card number XXXX time for XXXX dollars and they locked my account it's been XXXX weeks now and I haven't been able to make my car payments my water bill and so on I have sent chime photos of me holding my id with a peace of paper with the date on it but I still can't get in to my account they let someone take out over XXXX dollars with out question but now I use XXXX dollars and they lock me out they need to pay me back my money they let get stolen and pay all my late fees and let me back in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I think Im being declined for multiple inquiries. I have no clue what they are. So my inquiry Adds to it and isnt mine I never had a XXXX  checking account, we dont even have a bank around my area

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

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 2022-07-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There is a late payment reporting on my XXXX XXXX account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: NV

Complaint narrative:
There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.

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 2022-07-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
We dont understand why Wells Fargo acknowledged that we are victim of identity thief yet dont want to do wants right and give us all our money back. We been trying since XXXX XXXX. We hope you can help. Wells Fargo gave us this information XX/XX/2021 to XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX and XX/XX/2021 XXXX XXXX all {$1000.00} each. We do NOT know any of this people and we did not send them money NOR authorized anyone to send them 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 monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This account does not belong to me. The information is inaccurate. Please block and remove per 15 USC 1681c-2.

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 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
This fraudulent mortgage company has shysters with an office that no one is allowed to walk in or schedule an appointment. PHH mortgage services is refusing to send a payoff statement after being asked repeatedly. PHH mortgage will send the payoff statement if an appraiser checks the appreciation value and a closed agreement sale is completed to generate a calculation. Escalation management were giving probable estimations over the phone refusing to deliver a precise written payoff statement. PHH mortgage is breaking the state law of New Jersey in regards to send a payoff statement after a written request is sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Equifax XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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:
Accordance with the Fair Credit Reporting Act XXXX AccountXXXX XXXX XXXX XXXX  # XXXX, XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-07-21 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:
Accordance with the Fair Credit Reporting Act XXXX  AccountXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my righ

ts 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a Account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This account does not belong to me. The information is inaccurate. Please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, 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:
This account does not belong to me. The information is inaccurate. Please block and remove per 15 USC 1681c-2.

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 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I reached out to KIA Finance to see if they could change my due date. They informed me that they had processed a due date change in XX/XX/2021 and that I was only allowed one per calendar year. If that were true I am only 13 days from eligibility, but would have to submit late payment once again to process the change. I told them I understood that but has no control over how and when my household get paid and we are having to use all 10 days grace plus a few days in order to submit payment. This does not make us more than 30 days late for credit reporting purposes but it does incur feeds and the collection phone calls are unrelenting, late in the evening and also multiple times a day. I have never broken a promise to pay, and have also set up payments online in advance and they still will call nonstop. I am positive that once I tell them or promise to pay they must stop calling unless I break the agreement which I never have. I also asked for a month 's deferment if they would not change the date so at least we could have time to set the payment aside, they refused. The manager I spoke with was condescending and seemed to think that there was no issue. I am exhausted from trying to get any help, KIA seems to be very non-responsive and I am regretting ever financing with them if this is how they treat customers that reach out for help.

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 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
We have a business building homes, we have been directly affected by XXXX XXXX. We have a XXXX credit card account and have had this account since XXXX, our credit limit was {$17000.00} we made XXXX payments in XX/XX/XXXX, XXXX on XXXX, and another on XXXX, the payment on XXXX was in the amount of {$9000.00}, after that payment, XXXX decreased our credit limit by {$9000.00} without any notice. We made this payment not only as a payment, but it was also to be able to use the card to make purchases like lumber and other building materials easier. Of course they are saying the account was a personal account and not supposed to be used for business? 
We have worked so hard to get through XXXX, even working when we had XXXX, we also called XXXX and let them know we were directly affected by XXXX XXXX, with their credit card relief, we are still having a tough time, and losing the XXXX is enough to put us out of business, not to mention our credit score dropped from XXXX to XXXX, which will kill any chance of acquiring any future construction loans. If there is anything you can do to help, we would sincerely appreciate it. 
Sincerely, 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 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I received a call from XXXX, which is wellsfargo 's number, an individual identified himself as a Wellsfargo 's employee from the Fraud Department and asked for my username and birthday for my online banking account in order to help me nullify some charges from Georgia but instead he locked me out and said I will need to make a new online banking thats why I can't log in. He said I have many payments at different stores and in order to verify my identity and stop these charges I needed to give him a 6 digit number I would receive through a texts from " XXXX '' which is also a wellsfargo automated number for alerts. I gave him 5 of the 6-digit numbers i received from the XXXX number and I told him " why does it say not to share this 6 digit number with anyone wellsfargo will never ask for it '' and he said " only the fraud department can ask for it because we need it to drop the charges. '' I asked for the his name and he said its " XXXX XXXX '' then I hung up. After the call I went to the bank in person and they said someone was added on the 3rd party app called " XXXX '' through my online mobile account with the name of " XXXX XXXX. '' On XX/XX/2022 I spoke to a real wellsfargo representative and had canceled my card, and a new bank account. I have filed a claim on XX/XX/2022 through wellsfargo customer service. He performed really proffesional throughout the call so I thought it must be real this has never happened to me.

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