vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX I need to change my email number XXXX XXXX Could be my new email address XXXX I can't be reached on this phone I can't log in with my old password

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
On XX/XX/2022, I received a letter from FBCS , Inc., stating that the company had purchased a debt I owed through XXXX XXXX XXXX XXXX. I paid off this debt on XX/XX/2022, as agreed. The amount I paid was smaller, but it was agreed upon by XXXX XXXX XXXX XXXX XXXX. I have sent a letter to FBCS , Inc. stating that I do not owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made repeated complaints on the same issue for the last 5 years on XXXX XXXX XXXX XXXX ( XXXX ) and Experian. It has been much work for me because I was being ignored and I need to be a squeaky wheel to get anything done. Both companies unlawfully accessed my credit report without permissible permission in XX/XX/2017. I have repeatedly requested the valid permission they used to access my report and they both refuse. XXXX company had this permission. Experian passes the buck to XXXX to protect themselves and XXXX then labels all complaints as duplicate and nothing gets accompllshed with their game.

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 2022-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have 3 items on my credit 1 from a company called XXXX. Who claims I had a cell phone that I never purchased and never knew about. After supplying proof over the past 7 years and nothing has been removed from my credit. 
Also after opting out of XXXX reporting, XXXX lowered my credit score using old inaccurate information to punish me for opting out to lower my credit score by XXXX points. 
Also my score has been going up despite those items on my credit report prior to me opting out of the reporting practice of XXXX. 
I feel its an abuse of power and retaliation for my opting out of all prescreening and other marketing information being sent to me every day. Before I opted out of XXXX, my score was XXXX. Immediately after opting out, my score was lowered to XXXX. 
My credit score was just over the past 12 months has gone up while and despite those items being on my credit for years. Also my credit had already been adversely affected twice from those same items, so how many times can they drop my score for the same items. If I was penalized once for those item by dropping my score years ago. Why are they dropping my credit score again since I already was penalized for those inaccurate reporting? 
I feel its unfair reporting and retaliation for my opting out of there reporting system.

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 2022-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( Discover home loans ). Discover home loans denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that XXXX  XXXX did not provide the proper documentation. when the subordination was denied sun XXXX immediately moved into the foreclosure process asking for {$33000.00} due by XX/XX/2022. this is a federally backed loan by fannie mae and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. i think i need some help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: AL

Complaint narrative:
I have called Global Lending Services for over 6 MONTHS requesting assistance due to a financial hardship from XXXX, a XXXX in my immediate family, & a decrease in income/work hours ( which now has become a permanent job loss & I have applied for unemployment ). EVERY time I was DENIED any type of help! Although I knew it was confidential/private, due to HIPPA I offered to provide documentation of all times I was XXXX XXXX XXXX XXXX XXXX results, and also the XXXXXXXX XXXX XXXX XXXX of my family member. I was still denied any assistance or help and they call me 3-4 times a week HARASSING me about paying! 
I borrowed money and made a payment in XX/XX/2022 ( to try to refrain from being 90 days late ). On yesterday, I woke up and they had repoed my car!! Because the month of XXXX had not ended, I thought I had until XX/XX/2022 to make a payment & was hoping to receive my income tax refund or unemployment on of before this date. 
I had to borrow money AGAIN from friends & family ( almost {$2000.00} + XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have called over and over experian needs to delete XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  Account # XXXX, has violated my rights.

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 2022-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XXXX XXXX, 2022, I received a letter from XXXX XXXX XXXX, stating that the company had purchased a debt I owed through Jefferson Capital Systems LLC. I paid off this debt on XXXX XXXX, 2022, as agreed. The amount I paid was smaller, but it was agreed upon by Jefferson Capital Systems , LLC. I have sent a letter to XXXX XXXX XXXX stating that I do not owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase on XX/XX/21 at XXXX XXXX. It was on a 6 months no interest. Commenity bank will not reverse the interest charges. This is fraud!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I was a victim of identity theft and I can not get it resolved. I have reached out to Contract Callers Inc and they are not able to assist me. they have placed a collection on my account and will not remove it even after I completed the fraud packet and proved to them that it was not my account and I was a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently disputed some inaccurate information ( late payments ) regarding 2 of my accounts. The CRA has these two accounts, XXXX XXXX and XXXX XXXX XXXX XXXXo listed as late and that information is inaccurate. You can not report/treat a payment on an open ended credit plan as late for any reason. Refer to 15 USC 1666 ( B ). Also, under 15 USC 1681 ( b ) it states that I as a consumer would need to give them permission to furnish information on my behalf. To this date I have not granted any of these companies such authority. Any information must be verified and updated to ON TIME or removed.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/22 I was making a {$1400.00} purchase at XXXX XXXX I was " sold '' on opening a store credit card as I would receive a 10 % discount on my first purchase and would receive an additional 5 % in coupons mailed to me afterwards. I have a credit score of over 800 and available credit of over $ 100k but was only given a {$400.00} credit limit. When I called the customer service this morning, I was told that it was a temporary credit limit and I would know my true limit after XX/XX/22. This was not stated when I agreed to apply for the card. This was complete deception! I have no need of another credit card but was enticed into applying but the promise of discount of over {$200.00}. This company is intentionally giving a low " temporary '' limit in order to keep their " first purchase only of 10 % '' low. Complete fraud!

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 2022-03-30 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: TX

Complaint narrative:
I contacted Tranunion XX/XX/2022 and sent in all of the necessary information that the FTC instructed me to send after I was victim of identity theft. I dont check my credit report often or at all for that matter so I was not aware of these things until I recently made an attempt to move. After Transunion received the identity theft police report, FTC affidavit, FCRA Section 605B, my identifications, and statement noting that the transactions are a result of identity theft, Transunion responded in an effort to treat this situation as a general dispute and forced a 30 day investigation on me as if Im lying about being a victim of fraud. It is belittling, unbecoming and hindering my life. They made no effort to contact me within the 4 business days required in effort to block the fraudulent information being reported and its preventing me from moving into an apartment home. Ive attached Tranunions responses and have the full transcripts via the XXXX XXXX XXXX XXXX ID # XXXX. The complaint was closed as resolved but there was not an actual resolution. The fraudulent items still remain there and at this point transunion is in direct violation of the 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 non-monetary relief
Consumer complaint received 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-30 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-30 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: A.R.M. Solutions, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Discontinued sending a hardcopy bill form to my residence. Then started to call and wished to have me provide credit card or banking account number over the phone to acquire automatic payment method. I informed them at that time that I have no problem with paying my bill that they will have to continue to forward me billing thru the mail as they once were. They explained that they were not part of the billing department. I received numerous calls with the same conversation to each person that called. XXXX XXXX XXXX & XXXX p.m. XXXX XXXX. & XXXX. XXXX XXXX XXXX & XXXX a.m. are the last of many before that i started to keep records, Then I got an email XXXX with a view of the hardcopy bill that i used to get in the mail with an individuals name XXXX XXXX XXXX XXXX XXXX XXXX. I responded to that email asking. When and if i could continue to receive a hardcopy in the mail to my address. No return response. No hardcopy received in mail. In many of these communications with persons on phone, no one could answer my questions as to what the account number they were calling about, where the subscription was being sent to, what time frame or dates the service was from end to end, what address the bill was being sent to. They just wanted me to give them my credit card number over the phone. I feel these actions by the daily press are done deliberately to try to streamline the process and lower their cost of dealing with mailed bills to the customer. I am sure they wish for more automated process. It cost less. There was no profane or obscene language used. No threats of violence mentioned. There were comments of false statements and continued harassing phone calls after asking them to discontinue calls & provide written statements for resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a dispute for {$150.00} on XX/XX/2022, and the Citi card company responded on XX/XX/2022, saying that the dispute was resolved and I am responsible for the amount. Citi also sent me details about what the merchant says. I found the merchant did not tell the truth ; therefore, I disagreed with the resolution, filed the dispute again, and provided the details in writing why I thought the merchant was not telling the truth. Citi promised to do another investigation on XX/XX/XXXX. However, I recently found that Citi already quietly concluded with rocket speed within three days by XX/XX/XXXX, the dispute was resolved without doing any proper investigation. Citi did not even send me an email or letter that the dispute was closed. Citi also did not explain how they came to this conclusion.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
on XX/XX/2022 I accidently made a payment to Bank Of America to an account that I used to be a card holder on with my mother. The account had been closed because my mother passed away. I have opened an account under my name only and when I went to make a payment I sent it through a bill pay service to the wrong account. I spent hours on hold with BOA when I finally got through to them they told me what I would need to get it resolved. They told me I would need a death certificate a copy of my bill pay showing the payment and a letter explaining what happened. I provided them with all that information faxed it to them as well as emailed it. They acknowledge the payment of XXXX is in the closed account. I have asked they send me a check or transfer the money to my active account. I realize they legally have 30 days to respond but I have heard nothing. I send them the paperwork daily and ask for a phone call or some sort of response. it has been a month and a half and still have heard nothing. The next page is asking for the card number which I do not have because account is closed. I have the last 4 digits of the card number.

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 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment of XXXX to the credit card account with truist. It was never applied but paid to their app system. I called and they lied and claim they never got the payment. I have proof attached here it was made and went through.

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 2022-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans union is violating1692c i have not given written permission to report XXXX XXXX, XXXX XXXX, XXXX  XXXX  or XXXX XXXX  accounts on my report. They are also inaccurate violating 15 usc 1681.

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 2022-03-30 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: NC

Complaint narrative:
The credit beaurues inolved are inaccurratly reporting my XXXX XXXX XXXX Account. The Account number is XXXX. I have had a repossession and it was reported to my account and I had a decrease to my credit score. However, XXXX XXXX XXXX is now reporting missed payments and keeping the account open wich is having a negative impact to my credit reports ( Transunion and XXXX. XXXX XXXX is also in vilation of The CARES ACT. It is not okay for the credit beaurues mentioned to keep reporting fals information. I do not own the veichle and kow that is has been sold, XXXX XXXX is trying to double dip and continue to inpact my credit wich is very wrong. The credit beauties need to start reporting accurate information or completely remove this account as it is in violation of The CARES ACT and is causing harm to my credit report for the last 9 months. It is oreventing me from purchasing my new home.

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