vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
i sold a phone on XX/XX/XXXX through PayPal and still am waiting on my money! I've literally sent in proof of this transaction almost a month ago XX/XX/XXXX. So there should be no reason why they let this buyer dispute anything. I literally sent messages from the buyer telling PayPal herself to release my money. I'm pretty sure that PayPal keeps a transcript of all conversations and they can look up and see where I've sent in all of this information. they've been holding my money for 27 or so days when I've literally already waited 20 days to get my money. This is so crazy I really need my money. Can you please help this hold off on my account! I've already been told that the case has been resolved in my favor and my money is still on hold! they are basically helping this buyer scam me! The buyers sending you screenshots of herself texting herself, which is very weird and who, in their right mind would wait 20 some odd days to file a dispute, saying that they didn't receive an item. After I literally already sent Paypal the screenshots of the same buyer, saying that we met in person that no tracking information, and all of that was needed. there is no tracking number needed for this payment. And the agent told me all I had to do was go to the transaction and put that there is no tracking needed and that the transaction has been processed. So I did that. I also sent PayPal multiple screenshots of the buyer telling them that there is no tracking number needed for this and that we met in person, she even let them know that it was her fault for mistakingly sending the money how she did because she's a little XXXX. I literally sent all of this information, so there's no reason for my money to even be on hold at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. 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 explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
My student loans with Mohela started again in XXXX. 
I am currently in XXXX and have paid 118 qualified payments. I only have 1 payment left for total forgiveness.

I have tried to make that payment 3 times. Each time Mohela send the payment back with an error from my bank. I have no attempts by Mohela to withdraw from my account.

I am now in default for 1 payment and I am not getting an answer from Mohela as to how to fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
when I wanted to log in Capital One online bank on XX/XX/XXXX, I found that I could not log in. 
I called the number XXXX ( XXXX ) XXXX to help me solve the login issues. The customer service representative not only failed to help me resolve the issue, but also insisted on closing my checking account due to security concerns. The representative did not verified my identity and did not check with me. He just asked me what operation I did recently. I told him that I just added an external checking account and verified this account several days ago. A moment later the representative directly told me that he would close my checking account. When I heard what the representative said, I felt very surprise and crazy and I felt that I was discriminated because the representative did not verify any operation with me. The representative was very insistent about closing my account and did not tell me the reason, he told me that I could never be Capitial One customer again. 

As the checking account will be closed, now I can not contact the Capital One customer service, and I have tried many times to find any online representative by the Capital One service call. But I can not speak to any online representative. I only receive the messages that tell me to leave voice messages. I am very crazy and angry, I am feeling so worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XXXX XXXX I notice that there where some inaccurate information on my credit report in which I ask the credit bureau to check to make sure everything was completely accurate, modified or deleted if its not. On XXXX XXXX I got my result back and the information came back verified and completely accurate but I dont know how everything is completely accurate if there are things that arent accurate but I dont know maybe the credit union where have a bad day Im not sure how they did there investigate within less than 24 hours what did they actual do to verified this account. Could the cfpb find out because am not sure what they did.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ADDITIONAL COMMENTS Apart of the claim was just paid on XXXX please address me in the facts both claims were submitted on the same day, claim amount XXXX and XXXX the XXXX was just paid out. Please explain why they spilt up my claim in the first place. How did they pick and chose what transactions they would approve, My roommate did them all I explained that while filling the complaint.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To delete accounts immediately, my consumer writes are being validated by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To delete accounts immediately, my consumer writes are being validated by law

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 2023-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
FOREST RECOVERY SERVIC Account : FRSXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The company took my money and took my account I want my account back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. 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 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
Had Federal Student Loans that use to be with " XXXX  '' servicing. Since the discontuation with " XXXX '', the Department of Education has moved my loan over to " Edfinancial Services ''. Received notification on XXXX XXXX that my borrower defense cases were approved for discharge. Was informed via phone from " Edfinancial Services '' that it would be up to 180 days for the full discharge to be completed. This would have put the date at XX/XX/2023 for a completion date. Today is nearly XXXX  months past the date. Have sent countless emails to " Edfinancial Services '' along with the Department of Education, asking for when the discharge will be completed along with appropriated refund amount. However each one XXXX Department of Education and Edfinancial Services ) are pointing at each other of who is suppose to complete the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
I did get did not give any -written permission for these accounts to be published on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX / account deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX XXXX XXXX. I have discovered unauthorized fraudulent ACCOUNTS on my XXXX XXXX credit report THERE ARE JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY! 

Ive submitted proof of Identification card, Social Security card proof of address and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AL

Complaint narrative:
I repeatedly requested XXXX ( former servicer ) to remove me from XXXX deferment on my loans. One loan ( XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for {$1900.00} ) was in deferment from XX/XX/XXXX until XX/XX/XXXX. I called XXXX on multiple occasions to inquire about getting started on repaying my loans on one of the XXXX plans so that I could start making progress toward PSLF. Their agents advised me that it was possible. They sent me a form. I filled this form out twice. I was employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All the while, I was under the impression that my payment was {$0.00} due to the XXXX. I am now seeing that XXXX never honored my requests. I did what they asked me to do, but they did not do what they promised me they would do. I am harmed because, under the new provisions set forth by the XXXX XXXX XXXX I would be eligible for relief if XXXX had done its part. I did my part as the borrower. I paid on time and sent them the documentation they asked for. 

A complaint was submitted to the U.S. Dept. of Education on XX/XX/XXXX. 

MOHELA replied that they only had proof from XX/XX/XXXX, when I XXXX with my second XXXX XXXX. However, I asked XXXX to take me out of XXXX XXXX ( see attached ) when I XXXX with my first XXXX XXXX in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX acct : # XXXX 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 : State 's a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I have submitted my SAVE application on XX/XX/XXXX to reduce my student loans by XXXX to {$200.00}. During that time they said they would send an email every 10 days to know the status of your application. I have not heard anything since. On XX/XX/XXXX I was required to pay an absurd amount of my student loan even though I can not afford it and my save plan is still processing. I have tried calling every week since XX/XX/XXXX and every time I call, I never get a person on the line, I wait two hours and the phone gets disconnected, and I have tried emailing with no responses. This is not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
My request to close the account and release my funds has not been honored. The money has been sitting there. XXXXXXXX XXXX has restricted my account since I opened it. They send a debit card that I can not activated nor used to get my funds. I have requested that they closed their account and return my money. It has been more than XXXX. I have received several overdrafts fees and late payments in my attempts to retrieve my funds from this account. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. None of them have been able to release my money They all replied with the same thing, They will get the request processed. They have not released my money yet

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