vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Scammer was pretending to be one of my friends on XXXX selling a car. They asked for {$400.00} to hold the car so that noone else could place an offer. I sent the money via XXXX but XXXX said there was an issue processing the transaction. After I told the seller the transfer had failed they called with an accent and asked for an XXXX gift card. This is when I realized that my friends XXXX account had been hacked and this was a scam. I filed a dispute with venmo which came back as denied because I " sent money to the wrong account ''. I advised them that it was not sent to the wrong account, but that the seller had misrepresented themselves as someone I know. Even though XXXX had told me the transaction wasnt able to be processed, it had cleared from my venmo account which means the transactio had truly processed. I tried to explain to Venmo that they had violated regulation E but they denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed a negative account on my report that i did not authorize to report. I have tried to reason with the bureaus but i have come to the conclusion they do not care about my consumer report being inaccurate. I did not give any of the credit bureas permission to report this account that is attached below. I have called Experian and let them know this account listed in the attachment below should not be visable on my report. This is illegal!!!!! Unethical!!!! This is Aggravated identity theft per 18 U.S. Code 1028A! I require this charge off be removed from my consumer 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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
On XX/XX/2022, the credit ( Charter Communications ) reached out to me with a payment offer ( see attached ). I paid the full balance ( see attached proof of payment ). Then I noticed a company called CBE Group ( see attached Collections ) had put this account from Charter Communications in Collections on all XXXX of my credit bureau reports. This is fraud. This account should not be in Collections because I have paid this account balance in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am in XXXX  still, in deferment, so I do not have any payments on my student loan due until XX/XX/XXXX. Nelnet is aware of my deferment status and it shows on my account with them. I have records showing I do not need to make any payments until XX/XX/XXXX. 
On the bank account I used for auto payment with Nelnet, there is a statement for an NSF fee on XX/XX/XXXX. It says withdrawal for {$500.00}, Dept of Education. 
There is absolutely no reason AT ALL that I would need to pay {$500.00} for my loans or to the Department of Education for any other reason. 
I would have been charged {$500.00} just because I enabled autopay with Nelnet, and there is not even a due payment showing on my account. Now I need to dispute the fee I received for not having the money to make a payment I did not have to pay! 
The autopay feature gives a discount on the student loan payments, and taking out money irresponsibly is predatory to those who need that discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX the address associated with my account was changed without my consent or knowledge and without verification ( presumably my online login as well as I cant get into my account online either ). Then from what I have been told there were no less than XXXX charges of {$1.00} or under before I finally get a fraud notice on XXXX, to which i replied that i didnt do those charges as I dont think Ive used this card in at least a month. I call in XXXX ( been really busy as I was recently in a bad collision with a drunk driver ) to try and pay my bill/ review statement and find all this out and that the new card was sent to someone elses address which was probably the whole time and on top of that they want to charge me {$9.00} to pay my bill by phone since icant get into online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX I made my first payment to XXXX and to XXXX XXXX of {$68.00}. On XX/XX/XXXX I made a second payment of {$35.00} to the same place. The former was for XXXX shirts and the ladder was for a hat. I never received either of them. I do not believe XXXX to be a scammer but I do think there was negligence as there are other people who have said they didnt get their orders as well. I tried contacting literally every where during the time period I could dispute. They would always redirect me to another place. Keep in mind I was a CHILD. I was XX/XX/XXXX and didnt know how to do those kind of things so you can imagine what its like as a kid to not be heard out trying to figure out what happened. I am now XXXX going on XXXX and still do not get a fair case because no one has helped me at all. Please contact paypal, XXXX, XXXX to get my refund. Its all I ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Loan was paid off in XX/XX/2023. I never received title or lien release letter. They said they sent it so I asked to receive a copy of it. They told me it would take XXXX days to receive. I spent over 2 hours on the phone with chase, escalating to supervisors. Was told first they do not keep copies of lien release letters, which is in violation of XXXX. Then told they would fax me a copy of the loan payoff letter, which does no good but I will take that. I was informed it would be faxed today. As of noon, no fax and no payoff letter. I can not sell this vehicle without lien release letter. Chase never released the lien. 

When I followed up with Chase auto to find out status of loan payoff letter, woman told me it would be faxed sometime today, even though I informed supervisor it was needed prior to XXXX XXXX I told the woman I was remaining on the phone until I received the letter. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX ( the Fraudster, the Company ) which involved me making deposits for a total amount of XXXX USD from my bank account to XXXX  at the instructions of the scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I applied online to BMO Alto for a 12 mo cd with JOINT OWNERSHIP. It was crucial to make this joint since the amount we were funding exceeded the {$250000.00} FDIC limit. The application process asked me for the funding amount ( {$360000.00} ) and institution ( XXXX  XXXX checking account ) which I provided. I gave them both joint owners names, social security numbers and other relevant data. 

On the same day, XXXX XXXX  I was emailed a welcome letter. 
XXXX XXXX  I was emailed an External account added to BMO Alto indicating the addition of my XXXX XXXX external account was successful. 
XXXX XXXX  I received an email titled Your BMO account ownership status saying we regret to inform you that were unable to honor your request to add XXXX XXXX to your account. This is to let you know that your account will remain in your name only. 
XXXX XXXX  my husband received an email titled Your BMO Alto application has been declined. This email just stated that his account application has been declined and there was NO REASON GIVEN. 

The next morning ( XXXX XXXX, XXXX ) at XXXX XXXX  I called BMO Alto at ( XXXX ) XXXX. I explained to the representative that since I opened and joint cd account and the joint owner was rejected I should get my investment returned. I was told that even though I applied for a joint ownership cd, since the joint owner was declined it automatically opened as a single owner. Furthermore if I wanted to cancel and get my money back I would be penalized for fees amounting to roughly 6 months of interest. He stated that if I added my husband as a beneficiary it would add an additional {$250000.00} FDIC insurance. We were skeptical however added my husband as a beneficiary since we felt we had no other option. The representative assured us we would be completely covered by FDIC and referred us to the FDIC EDIE system, provided us the banks certificate number ( XXXX ) and location ( XXXX, IL ). This information proved false as well. We learned that we had {$110000.00} not insured after adding a beneficiary. 

Our complaint is threefold. 1 ) We applied as a joint owner. If BMO Alto could not satisfy this request they should have informed us and given us an option to cancel without penalty. 2 ) My husband was declined as a joint owner and BMO Alto did not provide us with a reason for this rejection. 3 ) We were told that the addition of my husband as a beneficiary would increase the FDIC insured amount. This proved to be false. 

Thank you,

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 2023-11-08 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: TX

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

Firstly, I believe that this limitation may have been imposed in error. I have diligently adhered to all PayPal policies and guidelines since opening my account. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action.

I kindly request PayPal to thoroughly re-investigate my case. I believe that a careful review will reveal that I have not violated any PayPal policies or terms of service. My account history should attest to my commitment to maintaining a clean and compliant PayPal account. 

I understand that PayPal takes security and compliance seriously, and I appreciate the need for vigilance in protecting the platform and its users. However, I firmly believe that this limitation may be a result of misunderstanding or incorrect information.

I kindly ask for your prompt attention to this matter. My PayPal account plays a crucial role in my financial transactions, and its permanent limitation has caused me significant inconvenience. 

I am more than willing to provide any additional information or documentation necessary to facilitate the review process. Please let me know if there is any specific information you require from me. 

In conclusion, I respectfully request PayPal to re-evaluate the limitation on my account and, if possible, to restore it to full functionality. I am committed to resolving this matter amicably and in full compliance with PayPal 's policies. 

Thank you for your time and consideration. I look forward to a prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I am currently selling my home. I was informed 2 days prior to closing that the title company was unable to obtain a payoff letter from Mr. Cooper. When I contacted Mr. Cooper on XX/XX/2023 I was informed that there was a cyber security breach, their system was on lock down and would not be able to provide this information for closing. I was directed to provide the title company with the last statement, showing the interest bearing principal balance. I asked to speak with a supervisor who also said there was nothing that can be done. The supervisor was unable to provide an ETA on when they would be able to provide a pay off letter. 

I called again, later in the evening, and spoke with a different repersentive and mentioned to them pulling the information from there backups which is required by the FTC Sageguards Rules. She reiterated there was nothing that can be done due to their system being on lockdown. She would not transfer to any supervisor when requested or give further details other than to refer to their website for a statement. 

Due to this, myself and the buyers are now facing financial harm if the payoff letter can not be provided for closing. If the underwriters approve closing based of the last statement they will then hold all proceeds until we can obtain the payoff letter. 

The title company has called Mr. Cooper multiple times. However, they have not been able to obtain any information either. If I can proceed with closing, I have no way of knowing when the proceeds will transfer. If the underwriter does not approve the closing, the buyers have no where to move to and I am now contracted to lease another property, meaning I will be paying for a mortgage and a lease until Mr. Cooper can provide a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting 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:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-08 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Over the past couple of years i have sent multiple certified notarized request to provide the original consumer contract from multiple accounts. I never received the original consumer contract.. Account remain on my file and my requests have gone ignored with just reponses of " verified '' yet NO orginal consumer contract provided.. this is exhausting how can you put a file on someone report but DO NOT provide the original Instrument??

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EQUIFAX, INC through the CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : 1.Settlement Offer 2.Civil Cover Sheet ( dated XX/XX/2023 ) 3.CAF via IRS, Power of Attorney, Fee Schedule 4.CFPB case numbers, EQUIFAX, INC consumer report date and confirmation numbers 5.Bill of Particulars 6, Passport Card ( Identification )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation