vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was put on automatic withdraw for payments at onset of Heloc ( line of credit ) in XXXX. I had been and am still paying for it. Original amount was {$20000.00}. I was told it was more later. I can not find proof. 
Then, on XX/XX/XXXX, there were two amounts taken from my account. Both amounts on same date. {$24000.00} and {$19000.00}. I was not notified of the transactions until early XXXX. When I called to set it straight, they said it was too late. But, they never notified me like they were supposed to. I had called several times before but they ignored my complaints every time. They could not tell me who or how that money went out of account. I do not know what is next.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2021-08-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2021 letter about inaccurate and unverifiable items on my credit report. It has been over 45 days and I have not received a response from anyone. 

I am sypmathetic to the Delta varient increase, but I feel like my dispute letters are being ignored and that I am being taken advantage of because I am not a major corporation. You know this better than I, but Section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these items should be deleted immediately. 

I demand these accounts be deleted accordingly. You are my hope to resolve this matter without litigation, but I am prepare to file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. 

My information was impacted by the Equifax data breach I am demanding that all items on my credit report is validated with PROOF, not statement printouts. 

PLEASE HELP remove, delete and update the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Please intervene and assist me with this request. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: UT

Complaint narrative:
I have been filing disputes with the bureaus and the only one who has not been responsive is Transunion. I have had several inaccurate items fixed on the other bureaus but Transunion has made zero changes. There are items that need to be fixed.

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 2021-08-03 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: IL

Complaint narrative:
Hello, My complaint is with Paypal.com. For a long time now I have used them as a payment processor to sell clothes/shoes through a different site called XXXX. XXXX on XX/XX/XXXX I get an email saying " You can no longer use PayPal '' along with the following description " After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' Additionally when I log into the site I get a similar message but they add in the following " At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I have read the User Agreement and I don't believe I have done anything wrong that would violate this. After talking to support with XXXX XXXX and on the phone they refuse to give more information or a resolution. What I did after that is open a second account to continue selling but that got shortly the same message. 

After also looking through their community posts it seems like multiple people have had this issue to no avail " https : XXXX ''. I simply want my account back ( either or and close the second one ) so I can continue selling through XXXX since unfortunately PayPal is their only payment processor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 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: MS

Complaint narrative:
I am victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of XXXX  etc. unless they can prove a written contract exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report it has been more than 45 days later and I have received not one response. I feel like I'm being taken advantage of and my dispute is being ignored. Now I'm XXXX XXXX  and I can't afford this XXXX. Im in need of a bigger space before this XXXX XXXX and these inaccurate false items on my report are preventing me from getting this done. I need this problem fixed ASAP becuase I dont have another XXXX to wait or I will be homeless. I demand these late payments be updated immediately or I will file for litigation due to stress you caused during my XXXX. My information was also impacted from the Equifax data breach and may have got my information in the hands or the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MN

Complaint narrative:
To whom it may concern : I have been trying to get a help from my mortgage company but they have been unresponsive. I now have a foreclosure sale date and about to lose my home because my lender is not responding. I reached out to a counselor to get help because I have not been successful with my lender. XXXX XXXX reached out to her today and submitted the loan modification paperwork. I hope that this complaint will get there attention in getting assistance.

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 2021-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
i am paying off loans ro Navient Corp a predatory lender since 2008. Very little money has gone to the principle of the loans most monthly payments were applied to interest. My loans have mushroomed to {$150000.00}. I am XXXX XXXX XXXX and struggle on social security to pay off loans. 

I requested a statement of all payments applied to loans since inception in 2008. I have 6 pages of payments and more money has gone to interest than to the principle, which means if this continues I will not be able to pay loans off in my lifetime. Also Navient under reported Intrest paid on loans yearly to IRS. Causing me to pay more in income taxes. 

I need Navient to apply payments correctly as stated on their web site, I also need forgiveness of loans related to the nymber of years I have been paying them and the intrest is above usuary standards. I would get a better rate from a loan shark. 

Action : I have applied for income based repayment and spoken to reps who have n clue what Im up against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: FL

Complaint narrative:
I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP

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 2021-08-03 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: FL

Complaint narrative:
I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I shouldn't have any negative reporting from BMW Financial debt is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This following account is fraud. I did not open this account, nor did I authorize anyone to open this account for me. 

CONVERGENT OUTSOURCING is collecting on behalf of 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 2021-08-03 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: FL

Complaint narrative:
I shouldn't have any negative reporting from XXXX XXXX debt is paid in full.

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 2021-08-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: SC

Complaint narrative:
An unauthorized ach debt payment was taken out my account for the amount XXXX and and additional XXXX on XX/XX/30. Called lending once I was made aware of overdraft fees from my XXXX XXXX account due to insufficient funds. Other payments I made was getting bounced and rejected because of the XXXX taken out my bank account. Called lending club XXXX and XXXX representatives submitted a refund incorrectly along with a supervisor. Called back that evening to find out if the refund was approved. Lending club representative said it was filed incorrectly and refiled the refund and said they would put a rush on it. Called lending club back XXXX and again talked to XXXX respresentives XXXX was a supervisor. XXXX they couldnt put a rush on the refund and there waiting nothing they could do it takes 7 business days to processing. I was told told to send in the overdraft fees as well and they would take care of that. Did that but No one can find a submission of that either. My family has been put in a finically dire situation due to them. Our utilities and food expenses are not being able to be met due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2021-08-03 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
HI ; SEE ATTACHMENTS for the cases and prior lawsuits ... It's impossible that these accounts can be verified as accurate. Listen, Im writing to dispute the following negative items accounts that continues to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I never opened acccount Wells Fargo attempting to get money from me on something never opened.

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 2021-08-03 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: TX

Complaint narrative:
There is a debt on my credit report that is reporting twice. I have submitted written disputes several times directly to the credit bureaus, but Experian and XXXX  have not made efforts to correct the inaccurate information. The debt with the original creditor ( XXXX XXXX XXXX XXXX ) of {$18000.00} was transferred to a XXXX XXXX as of XX/XX/2018 per Experian 's reporting and XXXX 's verification. Despite XXXX stating they no longer have the account, they have continued to report 90+ Days Late day delinquencies and the full balance of {$18000.00} as due for 39, going on 40 months now. I do not know who owns the debt. XXXX says the collection company does ; however, they continue to report to the credit bureaus that I owe them directly. I can not and do not owe the same debt twice to both XXXX and a collection company. My written disputes have not been responded to by XXXX, Experian, or XXXX. They have been submitted numerous times over the past several years.

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 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
" FIRST NOTICE FOR AFFIDAVIT OF DEBT DENIAL. '' Fact, I so invoke nunc pro tunc, specified remedy under 15 U.S. Code 1692 ( c ) ( 2 ) and declare that the natural person, consumer in fact, original creditor, and I furthermore appoint XXXX XXXX XXXX, of Convergent Outsourcing, Inc. to quash all alleged, indirect, unverified debt, and set off, charge off and charge back all verified debt by herein extension of credit, so be it.

The Fair Debt Collection Practice ( FDCPA ) states that the debt collector is mandated to cease all collection activity when verification is requested. Verification is defined as : confirmation of correct truth, or authenticity by affidavit or deposition.

15 U.S. Code 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.

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