vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/2022, Paypal sent me an email notifying me of a questionable money request with a XXXX phone number to call. I logged onto my Paypal account and the identical message and XXXX phone number was there. Since it was on my Paypal account, I called the number and was connected to the supposed Paypal Fraud department. The " Paypal Fraud '' agent told me hackers were attempting to access my BofA bank account and he needed to secure the connection between Paypal and my bank account. He instructed me to move money via XXXX to a virtual account, he would secure the Paypal-Bank connections , then the money would be moved back. I made two XXXX transfers totaling $ XXXX when my family overheard me, they urged me to stop. 

It was a scam. I immediately filed a claim with the XXXX Fraud department. I cancelled the questionable Paypal money request, and severed the connection from Paypal to my Bank, and then closed my Paypal account. I sent the original questionable email to XXXX and filed an ic3.gov report on XX/XX/2022. 

The Bank ( XXXX ) denied my claim as they could not recover the funds from the receiving Bank XXXX XXXXXXXX XXXX  ). The bank suggested I contact the " receiver '' and request my money back. The phone numbers provided to me on XX/XX/2022 by the " Paypal Fraud ' agent, now known to be a scammer, are no longer in service. Paypal refuses to take responsibility even though the information was imbedded into my Paypal account- saying the money transfers were outside the Paypal platform. 

I have not heard anything from ic3.gov to date. I have written an email to a local investigative reporter to possibly alert others of this scam. 

I would appreciate anything your agency can do to help me recover my {$1900.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: CT

Complaint narrative:
Hello I have contacted the XXXX XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello I have contacted the company XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc

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 2022-12-30 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: CT

Complaint narrative:
Hello I have contacted the company XXXX XXXXXXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc

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 2022-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NE

Complaint narrative:
I have been trying to get my escrow removed from my mortgage loan through Mr. Cooper for some time now due to the fact that I am 100 % XXXX veteran. So I am homestead tax exempt in Nebraska. So I am paying them more then necessary. I also am having to pay double insurance payment cause they won't send my insurance payment but once a year. So I am paying {$290.00} a month to the escrow and to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX  XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited XXXX XXXX  to them advisXXXX XXXX XXXX XXXX XXXX  Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My account with Synchrony has been paid in full and has been closed. Synchrony was to credit my account and clear a balance for charges that were added to my account in error via a card protection subscription that I did not authorize. Synchrony has left the balance on my account and has continued to charge interest on the amount that they agreed to credit in order to clear the balance. Additionally, this has negatively impacted my credit score because they are falsely reporting missed payments to the credit bureau.

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 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I sold the house, so the loan was paid off. Both the mortgage company and the title company paid taxes due. So, they were double paid. XXXX XXXX has confirmed that the title company 's funds were applied, and the payment from the mortgage company was rejected. The mortgage company is refusing to refund me those funds saying they gave it to XXXX XXXX. I have sent proof from XXXX XXXX that it was paid by the title company. Mortgage company tax department basically said tough luck. The loan was paid in full XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
I was in deferment for 18 months with a VA backing for the Deferment the VA paid the {$24000.00} deferment and now the company is claiming that I still owe after they told me I was paid in full I have it on recording were they told me I was paid up to date everything was good and now theyre claiming I still owe XXXX something dollars when I asked for my documentation to prove that I do not owe they are refusing to give me documentation that I request they have yet to receive give me my deferment paperwork And it looks like they were putting it into foreclosure not a deferment they did not do what they said they were doing. They lied to me. They have lied to me several times I have it on recording and when I say you already told me I was paid in full. I have it on recording they say oh my bad we were wrong. We need to fix this you still owe and I think thats wrong. They refused to prove the numbers they have changed. My monthly payments claimed I wasnt making monthly payments charged me fees for late fees when I wasnt supposed to get them, but yet refused to send me the documentation, even my lawyer was refused documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I purchased my home and financed it through XXXX XXXX in XX/XX/XXXX. At the time, the house was valued at XXXX. XXXX subsequently sold my loan to Mr. Cooper in XXXX or XXXX. In XXXX Mr. Cooper solicited a refinance from me, which I accepted. During this time, my home was valued at over XXXX. During the refinance process, a representative for Mr. Cooper informed me that the mortgage insurance I was currently paying would be taken off my account as I was well over the XXXX XXXX XXXX requirement. 

I did not confirm the insurance was taken off the account and only realized it was still on when I reviewed my XXXX statement. I reviewed Mr. Cooper 's website and confirmed the 80 % XXXX XXXX was still the threshold to remove PMI. 

I contacted Mr. Cooper and explained the situation. I was informed that the PMI would not be taken off as the loan is less than XXXX years old, and I did not make any improvements to the home. There are several issues here : 1. The loan for the home is not two years old. It was a refinance from a loan in XXXX that Mr. Cooper purchased from the original lender. When I refinanced, no additional funds were provided to me to increase the loan amount. 

2. Mr. Cooper 's website indicates the only requirement is an XXXX of 80 %. The consumer only finds out about this additional requirement once they call the company. This is a deceptive practice. 

3. I was told during the refinance process the PMI would be removed. 

I am requesting the CFPB review the matter for my account and determine the issue 's scope as it applies to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WV

Complaint narrative:
I looked at the closing disclosure and again I was told that the closing cost cash to close XXXX different than what I was told yesterday XXXX. The cash to close is well above what I can afford right now. I must admit that I am experiencing stressful situations with a simple loan that increase from small amounts to close to a amount that empty my bank account. Loan was originally estimated XXXX now XXXX. 

Closing should not very by several thousands dollars. I feel that the financial burden that is now being asked is well beyond my budget. 

Please advise on the next steps.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Transunion is falsely stating this information and refusing to remove this false information from my credit report.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information and refusing to remove this false information from my credit report.

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 2022-12-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Hey My name is XXXX XXXX, and ive just started checking my credit online and ive seen numerous things under my name that I had no idea about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I filed a Complaint on this issue previously ( # XXXX ), that was closed after Ally Bank provided an answer to my Complaint. Unhappily, the response was completely inadequate as Ally Bank again falsely claimed that I authorized the transfer at issue from my Mobile Phone. That did not occur, and the proof that I submitted is something on which even Ally Bank agrees. More specifically, the moment I discovered the transfer of {$9800.00} from my Savings Account, I asked the Agent with whom I spoke ( on XX/XX/22 ) to please stop the transfer, that I had nothing to do with it, and no knowledge of from where it came. The Agent refused and although the money was initially refunded, Ally again took the money from my Account and their response to multiple letters and phone calls is now that the " disputed ACH transfer was made from your device, '' which is just not true, however, that is apparently all that must be claimed in order to keep {$10000.00} of mine that I need desperately.

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 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I received an offer letter from Chase XXXX regarding an offer for a credit increase on my card. I was thrilled bc the offer letter ( attached ) indicated I would not need a credit check to take advantage of this offer. When I attempted to redeem the offer, I was told it no longer was available. I reached out to customer service and the first response I got was a templated response saying the offer was no longer available but I could request an increase that would require me to update all my information AND have a hit on credit. 

I then replied and indicated that this was deceptive because the letter clearly stated the offer was good until XX/XX/22 and now it was magically not available. 

The second response I got said the offer was sent to me in error and XXXX, please note that our credit line increase offers, like the one you received, are subject to change as per terms and conditions and this offer is no longer available on your account. As any good consumer would do, I reviewed the terms and conditions on the letter sent to me. The only thing it says is Please note this offer is based on existing information on your account. If the information changes, you may be ineligible for this offer My payment history with Chase is impeccable and my XXXX XXXX according to them is XXXX. XXXX reports my XXXX XXXX as XXXX I am concerned that this offer letter is just a bait and switch to get customers to submit to providing an official credit hit. None of the information provided in their response makes sense. I am a good customer with a great credit history. They sent me an offer letter which at first they said was no longer available and then was sent in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: College Ave Student Loan Servicing, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX is the company I am filing the complaint on. I do have a private student loan I have defaulted on because I can't afford to keep paying the loan. I want to settle the debt at some point with them but not now since I don't have the money. My name is the only one on the loan. Their headquarters is in Delaware at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Not only have they called my parents harassing them from a fraudulent number, but they have also now called me from a fraudulent number. The number they called my parents from was from a XXXX ( XXXX XXXX, AR ) number and the number they called me from was an XXXX ( XXXX Arkansas ) number. It was XXXX to be exact and my cell phone shows this number to be from XXXX XXXX, AR!!! This loan company has NO offices in Arkansas. I was going to offer to settle for {$10000.00}, about half of the loan balance, but since they have now called both me and my parents from fake phone numbers, that offer will now be reduced to {$6000.00}, or {$2000.00} for each time they've called us from fake numbers. I want a stop put to this NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX for the first time in several years to retrieve my XXXX report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back 7 days. 

Equifax is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX for tv service. My cellular company for several years has been XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX for the first time in several years to retrieve my Transunion report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back XXXX XXXX. 

XXXX is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX XXXX XXXX XXXX. My cellular company for several years has been XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: GA

Complaint narrative:
To whom it my concern, I recently just received a copy of my credit report. And I notice the MOHELA Student loan that are listed on my credit report I am unaware of. This is a former update. I am requesting to remove this off my credit report that are listed below. I tried reaching out to this entity and I spoke with someone about this matter. But they still couldn't help me 1 ) MOHELA STUDENT LOAN # NumberXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit bureau ( Experian, XXXX, and XXXX ) account was frozen without my consent by a third party.

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 2022-12-30 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Hey My name is XXXX XXXX, and ive just started checking my credit online and ive seen numerous things under my name that I had no idea about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation