vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-12 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: ID

Complaint narrative:
I created a PayPal account, it became restricted, called in, and was told by them to open a new account. I did so and that one became restricted as well as opening new accounts violates their terms of use. Now, months later I have gotten the original account unsuspended by providing legal documents such as my government drivers license, Social Security Card, and bank statements that proved proof of residency. I called in, had the documents reviewed and got the ban lifted as they saw the documents were authentic. However, that same day my account was under review again and again they asked for my I.D., proof of residency, AND passport. I do not have a passport so I called in again and got transferred to a ver batum " higher up '' where the associate explained that even she does not know why that information was being requested again as in my account she could see that my I.D . and such were approved and that my passport should not be asked for. The problem here was that I do not have a passport. She said that would not be a problem however, and just asked that I provided my I.D . and bank statement once more, and that my account would be put on a priority list to check as she already knew I was clear it seemed. 3 days later I get the notice that I am again permanently banned from PayPal, and when I called in yesterday ( XX/XX/2022 ), I was told that my account has been labeled for " null appeal '' because they found another PayPal account with my credentials, the same account I was TOLD to create by a PayPal associate about a year ago. So now, because an associate of their own company gave me direct action to violate their terms of use, which are not readily available on their site, I am no longer to use their service permanently it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: WI

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: GA

Complaint narrative:
On XX/XX/22 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given 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 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 2022-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: TX

Complaint narrative:
On XX/XX/2022, I learned that XXXX and its subsidiary EdFinancial, had a data breach between XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I called EdFinancial and customer service was unable to determine if my data with EdFinancial was breached and/or stolen. I strongly believe my information, including but not limited to, my name, my address ( es ), and my social security number, were compromised and stolen. On XX/XX/2022, my name, address, and social security number was used to open numerous money accounts ( checking accounts, prepaid debit cards, wire and ACH transfers ). This activity occurred for several days. These incidents were reported to the FTC and CFPB and local law enforcement. No communication has been received from XXXX and/or EdFinancial on the data breach. 

On XX/XX/2022, I received a letter from the CFPB stating " some of the information provided suggests that someone other than you may have submitted the complaint without identifying themselves. '' This letter is in reference to complaint XXXX. This was me. EdFinancial, through their Customer Service, has not been able to provide information about my identity theft from their failure between XX/XX/XXXX and XX/XX/2022. My account with EdFinanciaXXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit companies show that I am reported as a deceased person I have no fico score

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 2022-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I applied for the Homeowner Assistance Fund ( HAF ) program with the Department of Economics and was approved. I notified my mortgage company Sun West Mortgage that I had been approved for mortgage assistance and had been approved. I sent the approval letter. On XX/XX/2022, my mortgage servicer Sunwest Mortgage Company received payment from HAF and on XX/XX/2022, my mortgage servicers return the payment to the sender. I have sent several emails and phone calls requesting the reason for this. I do not want to lose my home and am asking the company to not Refuse these payments. HAF has agreed to pay. PLEASE WORK WITH ME

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2022-09-12 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX. XXXX XXXX, ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 U.S.C 1681 section 602 A. States that 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

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 2022-09-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX {$1200.00} Acct XXXX XXXX XXXX {$280.00} acct # XXXX In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX XXXX XXXX XXXX  violated my rights 15 U.S.C 1681 section 602 A. States that 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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 2022-09-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
IN accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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 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 2022-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I requested mortgage relief starting on XX/XX/XXXX through loan solutions website per the directions of PHH online service for help. After not receiving a call for several weeks on status I reached out. They told me that they needed additional information in which I uploaded additional info on XXXX. Called back on XX/XX/XXXX and they said they needed additional documentation as they couldn't see anything that had been uploaded to the XXXX XXXX website even though I could clearly see my documents. They said I needed to email them so I did. 
XXXX they wanted more documents and I emailed them. 
XXXX more documents emailed. 
XX/XX/XXXX more documents emailed XXXX more documents emailed to them XX/XX/XXXX supposed to have yet another call with Relationship manager at XXXX and no call came in so I reached out and they said that they still needed another documents It is important for me to note that EACH and EVERY time I asked if this was ALL the documents they would need because I was sending the same items in over and over. I also asked if this was being reviewed by the Underwriter and if that is what he/she was requesting. I can honestly tell you that each time I talk to them they give me a different answer of what the status was is or what items are needed. I am in the XXXX XXXX and am very aware of the process and procedures and it is an absolute shame that this company is in existence. I can't even imagine what someone with no industry experience would be going through right now. I have depleted all of my savings and am pulling money from my XXXX account, etc. to make sure my mortgage stays current. What I have described above is just the beginning of my experience with PHH in trying to receive some help from being impacted by Covid. The calls above are only a few of the calls I have made. I have begun to ask if the calls are being recorded for future reference ( I tell them I want to make sure this is being documented ) and they tell me that they are. I am asking not only for my help but to help others who are in need and going through this process with a company that clearly should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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: U.S. BANCORP
State: IN

Complaint narrative:
XXXX XXXX kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with US Bank to transfer my current XXXX balance and have 0 intrest for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called US Bank card, I explained what I wanted and why and was told that because of my SSD income, my mortgage, the XXXX account, my discharged bankruptcy from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount 0 % intrest rate on balance transfers. 
This occurred between XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX  XXXX Acct # : XXXX ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish theses accounts.

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