vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX, Account # : XXXX I have been a member of NFCU for 3 years now, and I have accumulated {$1000.00} 's of dollars in various fees including ( {$29.00} ) " returned check fees '' " insufficent fund fees '' over the years. Last month was the last straw. I accumulated 3 in the same month from companies being allowed to charge my account somehow when I'm in a negative balance. I am being taken advantage of by NFCU and there's nothing I can do about it. I have called the company on multiple occasions to not let any charges through if I don't have the money in my account to cover it. I have asked multiple times for refunds on these charges, never happens. They are crooks and stealing my money, as I am going through financial hardships, causing me to go deeper and deeper into a hole I can not recover from. This is causing me emotional damage and extreme stress leading to health issues, I demand ALL of these illegal fees ( not just the insufficient funds and returned check fees, ALL of them ) be credited back to me immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: CA

Complaint narrative:
I have a fraudulent account which is showing on my credit report. I have never applied for XXXX XXXX and never gave anyone permission to use my personal information for applying to that creditor. I tried to resolve my problem with XXXX XXXX but no result. Because of that I'm submitting a complaint to you to help me for removing XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4300.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$1200.00}. Those two accounts are fraud. 

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 non-monetary relief
Consumer complaint received 2023-04-24 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: AR

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a formal complaint in regards to the permanent limitation that has been placed on my PayPal account with the email address XXXX. I believe this decision was made in error, and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have been a loyal and active user of PayPal for several years, and I have always followed the terms and conditions outlined by PayPal. Therefore, I am certain that this limitation was not warranted. 

Furthermore, I am requesting that PayPal re-investigate my case and review my account thoroughly. I am confident that upon a closer inspection of my account, it will become clear that there has been a mistake in the decision to permanently limit my account. 

Lastly, I am respectfully requesting that PayPal restore my account if possible. As an individual who relies heavily on PayPal for online transactions, it has been a great inconvenience to not have access to my account. Therefore, I would greatly appreciate it if my account can be reinstated, and I can continue using PayPal services without any further interruption. 

I would appreciate a timely response from PayPal in regards to my complaint. Thank you for your time and consideration. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: Advantage Credit, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 Advantage Credit , INC reported to hard inquiry to XXXX. I recieved an alert about it. I called the company and asked what this is about. This company is based in XXXX, USA. They mentioned that someone tried to open a new credit card line in my name. I informed them that it was not me and requested them to remove the pending status. The closed my account that was created earlier, but the hard inquiry is still on my credit reports on XXXX. I request to remove the hard inquiry with immediate effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2 . 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 9. i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

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 2023-04-24 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: NC

Complaint narrative:
I was reviewing my credit report and I noticed a couple of unauthorized inquiries on my credit report, one from XXXX XXXX XXXX and the other one from 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 2023-04-24 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:
Dear PayPal Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed on my account by mistake and that I have not violated any PayPal policy. 

As a loyal PayPal customer for many years, I have always used my account in accordance with PayPal 's policies and regulations. Therefore, I was shocked to learn that my account had been permanently limited. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am confident that upon further investigation, PayPal will find that my account has been unjustly limited. 

Furthermore, I would like to emphasize that the email address on my PayPal account is XXXX. I kindly ask that PayPal communicates any updates or further information regarding this issue to this email address. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
XX/XX/2023 XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX My name is XXXX XXXX. 
*I applied for a loan modification XX/XX/2023. 
*however, it took a total of five email submissions for my modification documentation to be received by Seline loan resolution department.

*I believe my modification request was denied in error. For the following verifiable facts, I am asking for a re determination.

1. My modification request was processed under conventional loan qualifications and requirements when my loan has always been an FHA XXXX XXXX. Original XXXX number XXXX XXXX XXXX XXXX. My previous loan services Always recognize my loan as an HHA  XXXX XXXX Government Backed Loan 3. Due to Seline processing my modification under conventional loan qualifications I believe I was denied an modification in error 4. I have not received any communication/Explanation of how my loan was changed to a conventional loan 5. I did not receive any communication that my loan modification request was denied nor the reason it was denied. I was only informed that my home was back in foreclosure with a sale date when I called to inquire about my modification request.

During that conversation with your customer service representative, I was informed that my loan modification request was under a conventional loan modification request and not under the government sponsored modification under XXXX XXXX or XXXX XXXX. 
At that time, I expressed concerns that my loan has always been under XXXX XXXX and at no time was I aware of it being changed nor did I authorize or sign any documents for it to be changed to a conventional oan. I was guaranteed to be contacted by someone in the correct department regarding my loan showing as a conventional loan instead of a XXXX XXXX under XXXX XXXX ID XXXX I have attached a new loan modification request with the following documentation. 
1. Power bill 2. Check stubs 3. XXXX XXXX 4. W2 ( XXXX ) 5. XXXX XXXX  6. IRS Avidavit also delene has put many late paymnt charges and additional fees. my income chnaged due to the pandemic i shoud not have late charges and my credit has been effected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This collection account is not mine I am reporting this as fraud

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 2023-04-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-04-24 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: MN

Complaint narrative:
XX/XX/23 @ XXXX XXXX {$1900.00} was fraudulently taken/ stolen by a man impersonating an XXXX customer service agent. He said his name was XXXX XXXX and his extension was XXXX phone number is XXXX. I contacted XXXX they said that they didnt have an employee with that name or extension. I immediately contacted chime because I had two step verification and I should have gotten a text message from chime asking me if I authorized this and I didnt. Its like the money vanished except it didnt. I checked my email and I have an XXXX this email said my chime card had been added to a XXXX wallet the man who called me had a very distinct accent hes from the XXXX XXXX like XXXX or something. Chime took my complaint said that they would credit the money back into my account while pending investigation and then they sent an email saying that it was authorized and they arent crediting it back to me. I have disputed made disputes with chime bank XXXX XXXX Ive called a detective and made a police report and I have called the FBI cyber crimes department as well, I feel chime is the culprit and they are taking there customers money. Then they had an attorney email offering to help represent me and get my money back but I already XXXX and this is what chime does when people get there taxes they get have had some kind of call where they lost all there money and chime refers an attorney to them and once they win the attorney takes your money. This is XXXX. This isnt just happening to me its happening to a lot of people who have chime. Thats all the money I had in the world I was saving to get me and my son a nicer place to live and I have to get it back. 

This happened nearly 3 weeks ago and I have stayed on top of it every single day of the week. No one has helped me whatsoever. Chime said that they cant do anything and to contact the merchant??? I did try that he didnt answer my calls but I do have a recording on my phone of my childs father calling him baiting him to do the exact same thing to him. So why has nobody called this guy and pretended to have an XXXX dispute with their chime card??? If they had contacted him and actually investigated then I would have my money back but they havent they are just trying to get more. I wont stop until I get my money back. If they continue to prolong it then I will sue for pain and suffering. I am disgusted and I know he can be caught because hes greedy. So please look into this because I know he has stolen a lot more than the {$1900.00} from me. Ok hes doing this for a living,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
The Loan was a Salary at NC State Employees credit union and according to them the loan charged off XXXX XXXX and they sent to collection as charge off XX/XX/2017 and they could not provide any proper documentation of when I paid they told me they scrubbed my account. Only after relocating Georgia I not only did not receive any type of correspondence Banking at new address informing of loan balance was owed. They did not report to three credit agencies for months then started reporting back XXXX. I have repeatedly asked for them to removed due to paying prior to charge off. I have been deployed total and XXXX XXXX XXXX  and divorced since debt and survivor of XXXX. Please have them sent documentation to support their report or removed completely

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo - foreclosure- Payment arrangements were made and we were working with the Bank the last document was that our property was sold, We were not given the opportunity to reclaim the property. We would like to be a part of any law suite that will provide us with a refund and give us an opportunity to purchase another property for the same cost Load Date : XX/XX/2006 Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, SC XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX {$160.00} Sales Price : {$200000.00} Interest Rate : 6.750 %

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 2023-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: AZ

Complaint narrative:
I have been calling since XX/XX/2023 to get status of my title. VW has since XXXX blamed a change in vendor as to why I have still not received my title. I call every week and make sure its documented and every single time they have said its been ordered, everything according to their records has been completed and ready to send me my title since XXXX. I paid for expedited shipping service and to date I still have to title and everyone says its been ordered. I cant sell my vehicle for 4 months now because of this. I paid for this vehicle and am having to pay insurance and everything elses because I cant sell because VW is withholding my title and blaming another company for not sending it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24 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: NC

Complaint narrative:
I was reviewing my credit report and I noticed a few unauthorized inquiries on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries were made on XX/XX/2022.

Company response to consumer: Closed with explanation