vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
Dear PayPal Customer Support Team, I am writing to express my strong dissatisfaction with the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to submit a formal complaint to appeal this PayPal decision. I would like to emphasize that I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. Therefore, I would like to kindly request PayPal to re-investigate my case thoroughly and restore my account if possible. As a long-standing PayPal user, I have always followed PayPal 's policies and procedures and have never faced any issues with my account. Therefore, I am confident that this limitation is a result of a mistake, and I urge you to re-evaluate the situation carefully. I understand the importance of maintaining the integrity of the PayPal platform and the need to take swift action against any policy violations. However, in my case, I have not committed any such violations, and I am confident that a re-investigation will prove my innocence. In light of the above, I respectfully request that you conduct a thorough investigation of my account and restore it as soon as possible. I hope that this issue can be resolved promptly and efficiently, and I look forward to a positive resolution of this matter. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello, I need all my statements and charges from 2016 I have been through this plenty of times with Target and they keep ingoring the fact and senidng me current statemtents. Just last week I was served with papers from a Debt collector and I have requested an arragement but I need to know what are the charges for and what is the amounts owed. I am entiled to this and I need the statements from 2016 to be mailed along with a Debt vaildation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I submitted all of my documents to United Wholesale Mortgage for my VA loan modification on XX/XX/2023. Then on XX/XX/2023 I was told that I needed more information to upload to satisfy the underwriting requirements. On XX/XX/2023, I was told that they were not able to open a single document and told me to upload them again. I even was told to email them to ensure they were received. They put me on hold and was speaking with someone and once they got back on the line, they assured me that they were able to open each document and view them and I should be good to go from there. They stated that they escalated the issue to upper management and it should take 3 to 5 business days to resolve. Then on XX/XX/2023, they rejected the documents stating they were not able to open any of the documents, but when I spoke to someone just two days earlier, they assured me that they were able to open each document.. I uploaded them again and were able to open each document on the website after I uploaded them. They asked me to make sure they were in PDF format. 
on XX/XX/2023, I spoke with someone and they said that it should be resolved that day. 
I would get letters stating that I have submitted all of my documentation and it has gone to underwriting. I received over 5 of these letters. On XX/XX/2023, I spoke with another person who stated she was not able to open any of the documents. She then spoke to someone in another department and was told that they were able to open the documents. At this point, I have no confidence that they want to help, and are intentionally not approving my modification on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Early Warning Services, LLC
State: GA

Complaint narrative:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX  XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!

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 2023-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXXXXXX, I received a solicitation for a credit card with 25 months 0 % APR. However, once I got approved, the disclosure stated that I would only get 20 months of 0 % APR, expiring XX/XX/2025. Because I chose this card, I forewent other cards with much better benefits ; this card had no cashback or points, which I only accepted because of the long no-interest period.

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 2023-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I submitted a Public Service Loan Forgiveness application under the temporary waiver in XX/XX/XXXX, a year and a half ago, after consolidating my loans as instructed. It indicated a little more than 10 years of service that had already happened with the Consumer Financial Protection Bureau, during which time I made monthly payments on my loans ( Ive actually worked XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was told it might be easier to just submit a certification from them ). My servicer after the consolidation was XXXX XXXX XXXX, and the loan was transferred to MOHELA in XXXX XXXXXXXX. I have heard back and they are counting my qualifying payments going forward, but not giving me credit for the 10 years that I already put in, which they should under the waiver. When I contact them, I get different responses, but the main one is that they need to have the Dept. of Ed. ( XXXX  ) update them with the correct crediting, but that never happens. I think my application has fallen through the cracks or an incorrect determination was made, and nobody is looking at it now. I can get no information about the current status of any review, which I don't think is happening, though some MOHELA agents have said so. 

I was originally sent, in the normal time frame, a letter saying that I didnt qualify, but I was told to ignore that because the Dept. of Ed. would then review and give me credit, which is what the MOHELA agents also tell me. I have contacted my servicer ( s ) about 10 or 15 times, and Ive submitted a complaint to the Dept. of Ed. twice ( still waiting to hear back from the second ). The response from my first complaint was that I should contact my servicer and they dont respond unless theres a case, which I took to mean I had to sue them (!? ). The general loan forbearance is about to end, and I may soon have to start making payments on a loan that should have been forgiven long ago. I have paid close to {$40000.00} over the years, and I would like to avoid having to continue to pay my student loans into retirement in a couple years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose

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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dealing with Trans Union. I have called them numerous times and they have refused to remove old inaccurate information which is keeping my credit score artificially low.

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 2023-05-17 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: GA

Complaint narrative:
someone has been using my son doing things in my name I have been trying to remove these things from my credit report and I have not seen any results so I recently went to police department to get a police 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 2023-05-17 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: CA

Complaint narrative:
There are two accounts on my consumer report that should not be there. Please see attachments submitted to corresponding companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2023, I called to inquire about downgrading my Amex Bonvoy Brilliant Account ( XXXX ), instead the agent accidentally closed my account instead. The agent stated that they were going to reinstate the account and that it wouldn't be an issue. A week later, with no new account, I called back and was told that they were unable to reopen my account and told me not to worry and that my annual fee of {$450.00} would be refunded. For the time being, they issued a {$37.00} credit instead. 

I called back a few weeks later and was told they messed up and that there was nothing Amex could do to reinstate and that someone would call me back. no one ever did. 

Amex messed up. Closed my account. 

Stole {$450.00} in annual fees and refused to refund it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NC

Complaint narrative:
15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.

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 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Myself and my family members have received harassing calls from this debt collector giving ominous messages about complaints filed in court and legal action to be taken. 

They refer to a debt that, as to my recollection, is from XXXX. I believe the " debt '' has been sold to several collection agencies throughout the years. However, I disputed this debt back in XXXX. It was a credit card opened by my significant other at the time who added me as an additional card holder. The debt had been removed from my credit report since then. 

Most recently they claim the debt is from XXXX and when I ask for proof they refuse to provide it and claim it has already been mailed to me. I inform them that I dispute it and even still, the statute of limitations has passed. They responded by telling me they will sue me in civil court for defrauding a financial institution.

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 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received a copy of my credit report and there are a stunning XXXX accounts with Affirm being reported. I have never done business with Affirm ever. I have never had an affirm account or applied for an affirm account and any affirm account opened in my name was done without my knowledge and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MI

Complaint narrative:
collection agency reported to XXXX twice that this is my debt based on one old contract they say has my signature. I never ever ever signed anything with original creditor, XXXX, and sent the collection agency proof that back in 2017 I wrote an email to XXXX staff telling them the debt was fraudulent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- right to privacy
604 A section 2
Usc 1681c (A)
Usc 1681s-2 (A) (1)
Also states consumer reporting agency.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: OH

Complaint narrative:
I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. XXXX XXXXXXXX XXXX on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED TRANS UNION AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY 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 2023-05-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing this letter in regards to the XXXX XXXX account on my credit file # XXXX. The payment history for this XXXX XXXX # XXXX reflects the month of XX/XX/XXXX reported as 60 days late on Equifax, 30 days late on XXXX and 30 days late on XXXX. The payment history also reported the month of XX/XX/XXXX as 90 days late on Equifax, 60 days late on XXXX and 60 days late on XXXX. This is inaccurate and places into question which credit bureau is reporting the correct information, there is no way you can be late 60 days and 30 days in the same month. Also, late payments can not be legally verified without furnishing a copy of the creditors bank statements to show proof of missing or late payments. I am requesting a copy of the bank statements from XXXX XXXX for the account # XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. If you can not furnish legal proof of missing or late payments via their bank statements and provide them to me, then I am requesting you update this account to paid on time, never late for the months of XX/XX/XXXX and XX/XX/XXXX due to inaccuracies and false reporting. Please keep in mind that in XXXX the New York State Office of the Attorney General and the CFPB have sued XXXX XXXX for hiding the true cost of credit, setting up borrowers to fail and closing its eyes to harmful practices against consumers.

Company response to consumer: Closed with explanation