vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Our business account with PayPal was compromised in XXXX of XXXX by a person hacking into our account and charging out of state people, adding their own personal information and sending themselves thousands of dollars. We reached out and were provided a quick resolution by PayPal. We secured our account and made it more difficult for someone to do that again, but noticed XXXX XXXX our account was over {$3000.00} negative. We again reached out right away and were told they rescinded the decision from XXXX and it was in fact PayPal who removed our funds. No call, no letter, no communication and no ability for us to provide all of our proof that this was fraud from XXXX. The resolution page shows this most recent decision is in our favor, yet our account still negative and Im receiving debt collection calls daily from PayPal. From our social media post about this incident, we were reached out to by an PayPal employee that he would work on this and get back to us. Hes the only one thats been helpful and attempting to get this fixed. He told us wed have an answer around XX/XX/XXXX and we are still waiting. We can not keep our doors open with a negative balance and have had to close our XXXX XXXX We have had XXXX funds for one whole month and have gotten zero resolution from this case. The notes in the case closed section say in sellers favor however we are still unable to access funds and getting harassing calls daily! We both work other jobs and have had to take time off of work to deal with this, along with pain and suffering to XXXX XXXX  This must be fixed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 States : 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 antedates the report by more than seven years. 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. The following inquiries were also opened under my social security number fraudulently as well. 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

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 2023-04-26 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: CA

Complaint narrative:
I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
On XX/XX/23, I attempted to mobile deposit via AXOS bank, a {$5000.00} check from my grandma who banks with XXXX XXXX XXXX XXXXank. Their app was glitching, so I called their customer service and they were aware of it and said to mail it in of find an atm via their app. They dont own ATMs so I had to spend 3 hours running to 3 different ATMs to find one that would accept the check on their behalf. The third atm took it. 

XXXX I get an email saying my accounts been restricted. 

Several times after this I called and kept getting run around a saying oh its the check, they have to verify that its legit to oh I dont know why its restricted or who restricted the account. Every time I call they say its been escalated and I would be getting a call and to this day its been a complete utter lie. Zero calls zero results.

Ive had to have made at least 10 phone calls.

I can see putting a hold on the check itself but not the whole XXXX account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-26 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: KS

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-26 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: IL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
I own a 4plex and fell beind during covid due to my renters not being able to pay rent in which that caused me to fall behind in my mortgage due to covid and business 's closing or people losing jobs and so on. I contacted Service Mac and asked for a forebearance to help me with my situation and they stated that I would have 3 months and it could be extended 2 more times past the first 3 months. They only honered 1 month of that and I never received any documentation from them that I needed to reapply at any time or after the 3 months. I received no phone call or letter in mail nothing. I thought I was still in the workout plan and waited on documentation or for a modification and called several times with no response back. I even tried to make a payment and it would not accept my payment online I then called back to mortgage company and they stated my officer would return my call which didnt happen. Then I received a knock on my door and it was from a investor stating they wanted tobuy my home that it was set for sale in acution for foreclosure. I then contacted morgage company again and they stated they would send me modification papers in the mail I waited past a week no papers, called back again they emailed me documents, I then filled out documents and returned them with only a few days until auction took place for mortgage company to tell me they would not review my papers due to not enough time before foreclosure sale happend. I did everything I was told by them never received any documents pertaining to foreclosure in the mail or certified mail at all. I never received any documents pertaining to anything about foreclousre and this servicer will not help me and the bank bought my house back that was my retirement. Ive had my home for over 15 years with no late payments ever until covid by no fault of my own tried to get help with this bank lying to me and not receiving fair help. Can someone from your office please help me with my situation as the sale is taking place and I need it to stop and have this business work with me, This is causing harm to myself, XXXX XXXX on XXXX and I cant afford to live without my income from my 4 plex to help myself. I am at a loss for the way this company has miss represented themselves and all paperwork and deed is not correct either. There are so many problems wrong with this foreclosure can I please get help, Thank you so much for your time and consideration.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my previous complaint was closed. However, Amerihome has NOT resolved my problem. Amerihome is responible for transferring mortgage payments, that they received back in XXXX, to my new mortgagor XXXX XXXX  and they have NOT transferred the payment to date. 

On XX/XX/XXXX, my loan was transferred to XXXX XXXX. The following payments were sent to Amerihome and have not been accounted for : Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Check # XXXX XX/XX/XXXX {$3000.00} Diligently, these payments should have been transferred to XXXX XXXX  and applied accordingly. However, there is no trace of the payment being forwarded to XXXX XXXX. I have made numerous phone calls to the Resolutions Dept and have been unsuccessful in finding any resolve. This issue has been ongoing since XX/XX/2022. 

Amerihome replied to my previous complaint on XX/XX/XXXX stating they were " in the process '' of wiring those payments to Regions. TO DATE THOSE PAYMENTS HAVE NOT YET BEEN RECEIVED! PLEASE RESOLVE MY PROBLEM BEFORE YOU CLOSE MY COMPLAINT. 

This is unacceptable and Amerihome needs to be held accountable for mishandling my payments. 

I insist that someone from your Corporate Office contacts me regarding this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges

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 2023-04-26 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: MS

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
I was in a car accident on XX/XX/XXXX which left me in a induced coma I was airlifted off the scene and my personal belongings was left behind in my vehicle which my things was stolen and my card was charged {$730.00} when I finally came too in XXXX of XXXX I saw charges and immediately shut my cards off and disputed the items seng  over proof and all the issues me a credit then in XXXX they revised it then I disputed again they was supposed to credit me back but did not XXXX of XXXX they took an additional {$730.00} and {$600.00} dollars saying it was I have been disputing this and disputing this nobody at chime reads or listen because I have sent evidence over 256 times and counting they literally stole money from me and refuse to properly help me I just want my money and they are holding my money in my savings they will not let me access it because my checking account is negative and its negative because of them CHIME I have put in over 132 disputes I have spoken to 68 representatives and online chat 681 times and still get they same automated answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
The ex husband committed fraudulent activities on this bank credit card account of XXXX XXXX XXXX XXXX  in XXXX, WA, I had a power of attorney before the ex husband went to jail for his fraudulent criminal activities back in XX/XX/XXXX, I did divorce the ex husband before he went to jail on XX/XX/XXXX but once he was released from jail on XX/XX/XXXX he reopened the divorce case and he wants me to paid his fraudulent activity on XXXX credit card account that has been closed for more then a year now and XXXX send it to collections and now Im getting harassed to pay a debt that wasnt mine to begin with and the credit bureau it was sent to hasnt gotten back to me, so I am not sure if this debt exists or not. I dont know the actual account number for this credit bureau , I dont have no proper information on this credit bureau on a phone number and the name of this credit bureau only , Ive left messages for them to call me back I only know its around {$5100.00} or less. I did get court documents stating I have to pay this fraudulent identity theft debt but I am not sure if its real or exist because the ex husband never provided an account number nor a creditor account number neither and I went today with a witness to the ex husband attorneys office to speak with him about this and the receptionist at this Attorneys office set up an appointment at XXXX XXXX  they failed to come through with this appointment. So now Im being harassed by this attorney and the ex husband and a judge to pay the fraudulent and identity theft credit card debt of XXXX XXXX XXXX  and I went to speak to XXXX and they stated the account is closed and they give me the number to this credit bureau collections Century at XXXX. I need help on this because I dont know how to get in contact to make payment arrangements I dont have the creditors account number of the collections information. On XX/XX/XXXX I was court order to pay this debt.

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 2023-04-26 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: MD

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-04-26 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation