vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 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: CO

Complaint narrative:
Recently I have received numerous text messages stating that there are problems with my Paypal account. I have deleted them as I believe they were phishing attempts. 

XX/XX/2022 I received an email that stated that a recovery phone number had been added to my Paypal account -- I did not add that phone number. Now, when I try to log on to Paypal, it says it is sending a code to this unauthorized number and I can't log on. 

XX/XX/2022 I received an email at my work email stating that my credit card on file with Paypal is expired. 

Paypal was unavailable during the entire holiday weekend to address my concerns. I believe Paypal has 3 separate accounts open for me and I do not trust that company 's controls over my accounts and credit card information. I spoke with a representative and his supervisor today. They told me that I would need to go through every credit card in my wallet to verify my account with them. That was only for ONE of the accounts I believe has been opened by Paypal. 

I want any Paypal accounts opened under any emails associated with me to be closed, including but not limited to : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Wrong late payment reporting post forebearance, 90 - 180 days late for XXXX, XX/XX/XXXX and XX/XX/XXXX. This debtor has not received mortgage statement billings from Nationstar/Mr. Cooper since XX/XX/XXXX. Debtor was capable and willing to make payments post forebearance, but did not receive information about the program and most importantly, when it would be ending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am opening a 2nd case as the first case opened with CFPB ( XXXX ) which was closed and 1 ) My mortgage company ( Mr. Cooper ) did nothing except to send the exact same data from their initial letter they had sent to me initially notifying me of the increase ; and 2 ) The contact XXXX XXXXXXXX  ( the contact from the response from Mr. Cooper Mortgage ) Company did not respond to numerous email and phone messages ( on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX and emails ( XX/XX/XXXX and XX/XX/XXXX ) ; and 3 ) Did not provide an thorough review to justify the increased monthly payment. My Home owners insurance went up with the last company and I received a decreased monthly payment as well as a refund from the previous year. 

Mr. Cooper Mortgage Company needs to provide a thorough and complete detailed escrow analysis ( Re-evaluation ) justifying this excessive escrow and hence increased mortgage payment. I had also asked repeatedly in my final message to tell me how to remove the escrow account so I could pay the insurance and taxes myself and the point of contact given does not respond to emails or phone calls! I twice told him I would be opening up a new case if no response was received. 

My taxes did not increase enough to justify this increase and the insurance is the same as it has been for going on XXXX  years. See attached previous XXXX XXXX escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
Atlantic Union as mortgage servicer failed to pay the real estate taxes for XXXX  Now a penalty and interest has been assessed. Mortgagee can not speak with the mortgage service department. Atlantic Union provides AWFUL service. 

These are the documents to identify the problem. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX  : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XXXX XXXX, Contact : Not Available ( XXXX  XXXX, Contact : Not Available ) ( XXXXXXXX XXXX XXXX  Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment

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 2022-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
I have no idea who this company is, they keep calling & harassing me without leaving a voicemail & they havent sent anything to the house. I do not have to answer my phone if I choose not to especially if they havent sent anything to my address nor left a voicemail. This is a violation of the FDCPA. Here are the following ways that they have done so Disclosure verification of debt The agency fails to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days. 

Excessive phone calls The collection agency makes several calls a day, and sometimes several calls in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX on XX/XX/2022 and Experian on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XXXX XXXX XXXX  which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.

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 2022-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: VA

Complaint narrative:
On XX/XX/XXXX, I was contacted by phone by Enhanced Recovery Company ( ERC ), stating that they were attempting to collect a debt of {$2100.00} on behalf of XXXX XXXX XXXX and asked me what card I would like to use to pay the amount. I thought it was a scam and told them that I didn't owe anyone that money. The agent the asked if the last four of my SSN was XXXX. The number she said was correct which was shocking to me! I told her that it was NOT correct and she said we must have the wrong XXXX XXXX and that they would remove my number from their information. I immediately called XXXX XXXX XXXX, because I do have an account with them, and they confirmed my account was current. On XX/XX/XXXX, I received a letter in the mail from ERC that stated exactly what she said over the phone, accept there was an account number on the letter. I called XXXX XXXX XXXX and gave them that number. They advised that someone had used my SSN to purchase a phone that was assigned a number in XXXX XXXX on XX/XX/XXXX. They also advised that the account was closed on XX/XX/XXXX for nonpayment. I contacted XXXX XXXX XXXX, as well as XXXX Theft of Identity on XX/XX/XXXX. They advised that it was fraud, but I needed to fill out a report/complaint online, which I have done, in order for it to be officially resolved. They also advised that I should contact ERC and let them know it was fraudulent. I called ERC on XX/XX/XXXX and explained that someone had stolen and used my SSN for the purchase. There response was that they could offer me a settlement amount to pay of {$1600.00}. I advised that I would be paying nothing, because it was not my debt. They repeated the settlement offer. I said I'm paying nothing and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I informed Bull City that I do not have a consumer relationship with this company and the company is furnishing my private information without my consent. BullCity was also asked to verify this alleged debt. I informed Bull City of the many violations via certified mail on XX/XX/2022. Bullcity has failed to comply with the laws of the FCRA. Bull City failed to cease collection attempts during the investigation nor has Bull City provided me with any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Consent.

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 2022-07-05 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
1 Remaining Negative Account. 

Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: EMCC Holdings, LLC
State: NY

Complaint narrative:
Equiant in a recent communication States : Equiant Financial Services is the Payment Processor/Data Furnisher for the original creditoXXXX XXXX XXXX  XXXX XXXX Equiant did not take over ownership. This statement clearly shows that : 1. Equiant Financial Services does not own the account. 
2. Equiant Financial Services does not have a contract or business relationship with me. 
3. Equiant Financial Services did not or never contacted me regarding this reporting showing any proof that it owns the account, consent from me to report the account. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I know for a fact you do not have my written permission to furnish an account on my consumer reports. 
4. Equiant Financial Services is reporting the account fraudulently because, I did not and have not authorized any company or institution to use my personal information or implied for any purpose including opening an account and reporting an account fraudulently to a consumer reporting agency in the past or present. 
5. Equiant Financial Services has committed identity theft by fraudulently obtaining my name, social security number, date of birth, purposefully continue reported an account after being notified to delete the account and refused to answer request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Opened a checking account with Citibank to receive their {$1500.00} deposit bonus. 

Funded the account with {$200000.00} within XXXX days and submitted and faxed all information to open the account on account open. 

Per the terms after XXXX  XXXX, Citibank will pay the bonus, this was due on XX/XX/XXXX. 

Citibank continues to come up with new reasons to not pay the account bonus. 

Several customers are reporting similar issues at : XXXX XXXX XXXX  This appears to be a XXXX scam to pump account numbers and deposits ; but Citibank also refuses to honor their own company promotions

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 2022-07-05 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: NY

Complaint narrative:
I have sent all needed information to XXXX and Experian to UPDATE late payments to ON TIME. The response I received from the companies is that they would be updated but checking my credit report as of today XX/XX/22 no updates have been made. That is False and misleading information being given to me and the negative items being furnished to my report is damaging my credit standing.

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 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
i signed up with a state agency to get help with paying my mortgage during this pandemic time and it has been a hassle for the past 4 months to get my mortgage company to sign the agreement form and send it back in. Now after months of no coorporation the agency has declined my request due to the mortgage company not perticipaiting in the program

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act child support Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} XX/XX/2022 funds transferred {$5000.00} USAA can not tell me anything about these transmissions or where they went. These transfers were authorized by USAA with only {$270.00} in my account to begin with. As a result my acct has been closed and USAA has taken another VA XXXX check from me to off set the negative balance. I am now XXXX, no longer have a job, unable to purchase the meds I require for my mental illness and have ultimately destroyed my life in the process. With absolutely no evidence of wrong doing on my part.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have 2 Sams Card/Synchrony Accounts and I have a letter stating that on XX/XX/XXXX they tried to contact me wanting me to register for electronic statements and I refused on XX/XX/XXXX I get email from both accounts saying its overdue I am a XXXX  and old fashioned and like my Statements mailed to me both accounts were past due as of XX/XX/XXXX I have never been late in fact always early one account ends in # XXXX and # XXXX Issuer is Synchrony Bank XXXX XXXX XXXX XXXX Florida XXXX I paid bill over phone as soon as I got email also I tried to pay 2 times in XXXX XXXX  XXXX  XXXX Ar XXXX and was told they could not process payments there I was upset and when I tried to go online it would not take payment I feel I am being victimized because they charge late fees I am on a very limited budget. I paid and {$72.00} XXXX  and {$71.00} on account the operator said it was not his department or power to erase late fee This is about the XXXX credit card company that pulled same stunt Another Synchrony Bank Care credit card XXXX XXXX XXXX XXXX Fl XXXX I have not used for long time and I used it and got bill sent to old address and it was forwarded in person the day it was due account # ends in XXXX XXXX XXXX when I made payment they updated address it was never done but all my accounts at Synchrony changed? again late fee I need help Thank you 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 monetary relief