vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My issue is with Paypal. Debit cards I use with small business transactions are automatically added to my profile on paypal without my authorization. Then scammers hack into my profile and use my debit and credit cards for purchases I did not approve. This happened a few years ago with a XXXX  XXXX XXXX account of mine I had to close due to the extreme amount of fraud coming from Paypal. I disputed it with paypal several times and they ultimately said the transactions were valid and my money was stolen. i reach out to Paypal to cancel my account and make sure all of my personal and financial information was no longer activated. As of today, XX/XX/22 I received email notification of 3 separate charges to separate people on paypal, none of which I approved or authorize. I was traveling and did not use my card at all during this time. Paypal does not allow you to speak with an agent, they only allow you an automated call or chat and my issues are occurring again. They will not let me remove payment methods or close my account. They should be shut down for the amount of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: FL

Complaint narrative:
In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with XXXX. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX XXXX, I received an email from XXXX stating my account would no longer be serviced by XXXX XXXX  and that SST would be taking over. After making my payments of {$60.00} every two weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and SST is holding up the process. I have received several different responses to my inquires from SST, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with XXXX. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between XXXX XXXX and SST, they need to figure out a better way to get customers what's owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: PA

Complaint narrative:
I XXXX XXXX A federally protected consumer have been a victim of Identity theft. I have contacted Transunion 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.

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 2022-12-15 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: MI

Complaint narrative:
Greetings. I'm writing this letter to dispute and remove some items from my credit report that is NOT permissable by law, and also was shared WITHOUT my written consent. Listed below are some of the items. 
ACCOUNT NAME- 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  First and foremost, I would like to mention Public Policy HJR of 1933 a.k.a Public Law 73-10 which suspended the GOLD Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I DEMAND be removed IMMEDIATELY. Also according to 18 USC 1028A if I did NOT give XXXX, XXXX, and EXPERIAN, written consent to furnish this information, that would indeed be identity theft. As of the student loans, 15 U.S.C 6802 such financial institution clearly and conspicuously discloses to the consumer, in written form or other form permitted by the regulations prescribed under section 6804 of this title, that such third party. I have listed the accounts above, and I DEMAND each and EVERY ACCOUNT AFOREMENTIONED ABOVE BE REMOVED IMMEDIATELY.

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 2022-12-15 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: VA

Complaint narrative:
In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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 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 2022-12-15 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  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I inherited several rental properties when my father died. All of these assets transferred to a trust, of which I am the trustee, when he passed. I qualified as executor of his estate. 

At this time I inherited a mortgage that was originally provided by XXXX XXXX XXXX In early XX/XX/XXXX XXXX XXXX XXXX  sold my mortgage to a company called Select Portfolio Servicing ( SPS ). Since XXXX XXXX I have been trying to gain access to this mortgage and account information. I have called and emailed SPS numerous times over the past months, providing any documents/information requested. I provided my letter of qualification as executor, my father 's death certificate, a copy of the signed trust, a copy of the signed will, and a certification of trust. SPS still insisted I send them a deed showing that the property had transferred to the trust, even though the property transferred to the trust when the will was recorded with the city. My lawyer drafted a deed of confirmation which we then recorded with the city and I sent the recorded copy of the deed of confirmation to SPS. At this point, SPS still insisted I could not be authorized to access the loan until I provided them with a " re-recorded deed showing the property had transferred to the trust. '' This is a document that does not exist. I have spoken with my lawyer throughout this whole process, and he has determined that at this point, given all of the information I have provided for SPS and the fact that they are requesting something that simply does not exist, that the only way forward is to file a lawsuit against them, as they are denying me access to this debt I owe, as executor of my father 's estate and trustee of his trust. I would very much like to not have to do that. 

As of today, Thursday XX/XX/XXXX, SPS has still not given me access to this mortgage. They are preventing me from acting in my role as executor of my father 's estate. They won't give me the account number or any other information regarding the loan. As a result, I am unable to make payments, and have been unable to make payments for months. Furthermore, I am in the process of selling this property, and without access to the mortgage account, I can not get a payoff quote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I Deposited my XXXX bonus of an amount of XXXX to the bank personally on XXXX at XXXX. the Next day I found my account flagged for Fraud they put my account at XXXX so I couldn't use my current funds my Own money from my direct deposit from my current employer. I called the fraud department XXXX XXXX said i had to take physical evidence that the check was not fake I took them the deposit slip and my pay check stub which has my last four of my social security and how much the check was and check number. XXXX XXXX contacted 5/3 and verified that my check went through no problem. then called again today XXXX at XXXX was told my account is still flagged for fraud. I cant pay my bills this bonus was a life line for me I'm 1 month behind rent and cant access MY money to pay my bills. was told i would be contacted by a supervisor its XXXX now and not a single call back and no changes to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX. XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$210.00} Money was withdrawn from my bank account without my authorization or participation, when this was brought to the attention of my bank, i was told that " I DID IT ''. and that there was nothing that they can do about it. i was prepared to give a polygraph exam to prove my innocence. I am retired and living on a fixed income. Also, I am a XXXX XXXX XXXX Veteran ( At the beginning of the XXXX XXXX XXXX ). How can you say to me THANKS YOU FOR YOUR SERVICE ( not only to my country, but also to my bank ). then show me such DIS-SERVICE NOT EVEN GIVEN THE THOUGHT OF MY INNOCENCE. The bank did not adequately consider the possibility of my innocence. Even though I had XXXX remove from my account, and requested new credit and debit cards, and changed my account password. And I filed a police report with the XXXXXXXX XXXX XXXX A thorough and complete analysis of this case is not only appropriate, but warranted, And that I should be compensated for my pain, suffering, stress, and for XXXX PROFILING, and violating my consumer protection rights using deceptive practices and ignored proper protocol. ( Their investigation team ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Flagstar Bank, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX Flagstar Bank ran a hard inquiry on my credit without my consent. My mortgage is already with this bank and has been since XX/XX/2022. There was no need in my opinion for them to run my credit now, and they certainly didn't have my permission to do so.

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 2022-12-15 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: GA

Complaint narrative:
I filed a dispute with TransUnion and XXXX and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and TransUnion and XXXX refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.

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 2022-12-15 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: GA

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 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 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.

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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
I received a notice from XXXX Credit Reporting indicating that I had a negative event occur. It turned out to be from a collection agency that claimed I was overdue in the amount of {$2800.00} to XXXX XXXX XXXX. I do not have, nor have even had, an XXXX XXXX XXXX  account. I contacted the Fraud Department at Credence Resource Management , LLC to get answers. They indicated that this was most likely fraud, and that I needed to report this to law enforcement, fill out their attached form, and send it to XXXX XXXX XXXX directly for resolution. I completed all steps, to include proofs proving this was not my account or debt. 

To this date ( several months now ), I can not reach anyone at Credence or XXXX XXXX XXXX concerning this case. No one will answer the phone or answer emails. This has lowered my credit score by almost XXXX points, which will affect any future credit I seek. 

Arbitrarily filing credit report negative reports should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
I accidently sent payment my mistake bit immediately i tried to cancel payment and then requested a refund from the recipients with no response furthermore i contacted the institution cashapp and they told me that they would not replace my funds basically that it was my. XXXX and that they would not replace my funds. 
The funds that need to be replaced are to XXXX XXXX for {$330.00}. In XXXX 2022 and payment to XXXX XXXX for {$330.00} on XXXX 2022. I also had sent payment to XXXX XXXX at the same time bit he responded to my refund request and returned my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The alleged bank representative with chase fraud with actually legitimate chase phone number called about a fraudulent wire transfer on my account and the instructions given to me actually had me wire the alleged XXXX the money. My entire bank account amount XXXX. I called the number back. It was really the chase number and they told me they did not call. I went to the bank to try to stop it and they just changed my account number and reported it. 
2 days later I had a police report but chase denied my claim of fraud. 
They then sent me a letter to reopen the case and on XXXX. XXXX I called them and they closed it again and told me I have to pursue my money on my own. That was my retirement check and my child 's money and now I have none. I have XXXX XXXX My bills and mortgage are due and I'm having trouble finding a lawyer that deals with these incidents as I'm not a XXXX  yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-15 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: TN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX  weeks ago I closed a credit card account with Bank of America.The account number was XXXX XXXX XXXX XXXX. The account had a credit of {$24.00}. XXXX weeks ago I contacted Bank of America and a representative told that they were going to mail me a check for {$24.00} corresponding to the credit that I had in my credit card account. The check has not arrived yet. XXXX weeks ago I contacted Bank of America again and a representative told me that they were going to mail me a check. The check has not arrived yet. Please request Bank of America to mail a check with the amount that they own 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 monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I got a text to my phone number that said your new Saks XXXX Credit Card with Capital One has shipped and should arrive by XX/XX/XXXX. I never opened this account and was extremely worried. I called Capital One on XX/XX/XXXX to discuss this matter and they said there was no card opened. The card arrived on XX/XX/XXXX. I then froze all of my credit accounts with the 3 credit bureaus, XXXX, XXXX and XXXX. Today, XX/XX/XXXX I looked on the capital one website to make sure no one had used my name/ credit to make and activate this account with Saks Fifth XXXX Turns out there was almost {$3000.00} spent on XX/XX/XXXX in another state than where I live. They did open the credit card and the customer service specialist I spoke with on XX/XX/XXXX was incorrect. I called the fraud department for capital one today and told them about my situation. They are now working on the investigation. They told me to follow through with an identity theft with the FTC and lodge a complaint with this bureau.

Company response to consumer: Closed with non-monetary relief