vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I am a new business owner XXXX XXXX XXXX  and completed a XXXX  job and my client paid me using Paypal and now Paypal is holding thousands of dollars for 21 days because I am a new seller. Paypal 's online bot assistant 's advice to get my money sooner is to provide a tracking number for the product. I don't sell a product and so I can't provide a tracking number. I also can't get ahold of an actual person to help me. I am trying to survive and pay bills that I incurred to complete this job and can't pay them because Paypal is holding my already earned money hostage. What are they doing with MY MONEY? IT IS NOT THEIR MONEY TO HOLD. I did not see any disclosures saying that they would do this or I never would have used their service. To add to the burden there is no complaint resolution whatsoever and having worked in the financial consumer protection industry for 7 years before starting my business I know that this company needs to be held accountable, fined heavily, and forced to change due to its fraudulent business practices by the Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2019 I became locked out of my equifax XXXX  and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by some really bad bad internet hackers on the dark web. Ive attached a copy of my FTC report # XXXX to this letter. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2019 I became locked out of my equifax website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. Shady stuff happens in XXXX Florida. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX of 2019 I became locked out of my XXXX  website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. XXXX stuff happens in XXXX Florida. Please 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 explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
XXXX. XX/XX/XXXX I spoke to XXXX XXXX XXXX loan officer ) who helped me get a pre-approval letter for the XXXX XXXX XXXX. 

XXXX. XX/XX/XXXX my home offer was accepted and I started an online application with Rocket Mortgage, inquiring about the XXXX XXXX XXXX. Closing deadline : XX/XX/XXXX. 

XXXX. XXXX XXXX helped me gather all required documents from me and my co-borrower ( sister ). During the document gathering process, I was asked about my rental history in which I stated " rent free '' due to the lack of a lease contract. Was informed this was OK and the application was submitted to the underwriting department on XX/XX/XXXX. 

XXXX. Got feedback that being " rent free '' the past 24 months would disqualify me from the loan. I asked XXXX if providing a statement from my brother XXXX primary leaser ) indicating that I have actually been subletting a room and been paying rent for at least the 24 months would qualify me. Was informed yes and immediately provided a signed attestation. 

XXXX. My brother ( not me ) received a call from Quicken Loans the following day to say that statements from relatives would not be accepted. 

XXXX. XX/XX/XXXX Reached out to XXXX and was informed that either a statement instead from the owner/landlord of the residence would be accepted or statements proving rental history. 

XXXX. XX/XX/XXXX I uploaded the signed attestation from the owner/landlord of the residence and emailed it directly to XXXX. 

XXXX. XX/XX/XXXX XXXX XXXX solutions consultant at Rocket Mortgage XXXX reached out to me to tell me that there was no path forward even with the signed statement, in which I suggested I provide statements of rental history for 12 months. Same day I provided all my statements demonstrating consistent monthly rental payments, bank statements showing check withdrawals, XXXX transactions with memos that all reference a rental transaction. 

XXXX. Today I received word from XXXX that the statements provided are " unverifiable ''. I inquired exactly why it isn't verifiable if I had signed attestations from my brother, landlord, and statements of consistent rental payouts which connect all the dots. 

XXXX. They replied repeating that my rent history was " unverifiable ''. 

From beginning to end it seems the goal posts have shifted consistently and there are no clear guidelines to meet loan criteria. Even so, I have consistently provided any requested documents to meet stated criteria. I would be 100 % understandable of the loan denial if there was a criteria disclosed to me right from the start that I could not satisfy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I tried to sell XXXX XXXX XXXX. He contacted me, overnighted a check for {$15000.00} XXXX XXXX over asking price ) Wednesday XXXX. Check cleared my bank XXXX then he asked me to send XXXX to this mover, XXXX to this mover via XXXX, and XXXX via XXXX XXXX to other people. Next day, XXXX my bank put a hold on it and now Im stuck to return those funds. I contacted my bank, told them I suspected fraud and they said it would take till XXXX to determine if its fraudulent. Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: CA

Complaint narrative:
on XX/XX/21 I sent a letter regarding false & inaccurate things on my credit report. It's going on 60 days since I wrote the bureaus and I still haven't heard anything back from them. I feel like the bureaus are ignoring me and not taking my complaint seriously. Section 611 ( a ) clearly states that a failure to investigate items in 30 days is grounds to immediately remove the items in question of the credit report. As it is now going on 60 days my item should be deleted promptly. I demand this account be deleted or I will file for litigation due to the hardship that this is causing me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
National Credit Adjusters has placed a collection on my credit profile claiming that I owe {$500.00} to XXXX XXXX XXXX XXXX. I XXXX this company and it looks to be some pay day loan company. I have never done any business with XXXX XXXX XXXX as I've never received a payday loan before. I've sent this company certified letters via USPS and tracking numbers to prove they received them. I've asked them to cease all collection efforts on 3 occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IL

Complaint narrative:
Pursuant to 15 usc 1681b ( a ) Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 usc 1681b ( a ) ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. The court does not disclose information with the bureaus. Pursuant to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. I never gave anyone the right to put this account on my credit report. According to 15 usc 1681 consumer reports can NOT include any factual information. I am demanding that you delete this account from my report immediately as it is a violation of my rights as a federal protected consumer under title 15 usc 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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:
Im a victim of unfair credit reporting act resulting in the lose of equity due to me according to 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card ( my social security number ) by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. : multiple inquiries due to a data breach, names reporting that arent mine, closed accounts reporting as negative delinquencies, and late payments reporting on accounts stated paid as agreed. I have tried to inform XXXX, Equifax, and XXXX  of the fraud investigation I reported regarding credit accounts for the last three months ( XX/XX/2021 until the present time ( XX/XX/2021 XXXX XXXX and to no avail Ive gain unnecessary delays in processing my written request and unacknowledged notarized affidavits, along with the unwilling assistance in resolving the issues concerning my credit as previously stated like wrong names on my report, inaccurate addresses, closed accounts reporting as derogatory accounts, late payments listed under accounts in good standing, and student loans reporting without my written consent that violates my request to privacy pursuant 15 USC code 1681 ( b ) ( 2 ) In accordance with written instructions of the consumer to whom it relates. As a consumer I rely wholeheartedly on the efforts of the Consumer Financial Protection Bureau to protect, correct, and reaffirm my trust in the ability to gain fair reporting concerning my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: IL

Complaint narrative:
On XX/XX/2021 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 a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Im in the process of increasing my credit score so I hired XXXX XXXX and as a part of there service I get identity information on XX/XX/2021 I got information JP Morgan Chase pulled my credit of activity. So that day XX/XX/2021 I called JP Morgan Chase customer service and asked about this above information according to the XXXX department there wasnt any about myself or my credit.. very strange. On XX/XX/XXXX I received via mail a New checking account and debit card to activate. I called Chase in conclusion it was identity theft and the account was closed on XX/XX/2021 Im going to freeze XXXX credit files and contact XXXX law and my local police to file a report thank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer Navient and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that Navient Reported me to the Credit Bureaus that my payment was 90 days late. Once i found this out I called Navient and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, XXXX, and XXXX all still say that i was late 90 days on 2 separate Navient Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to Navient to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by Navient. And according to the CFPB Director XXXX XXXX so were millions of other Americans. That is why the CFPB sued Navient back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX 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 a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation