vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called TransUnion multiple times over the course of three weeks trying to get my online account fixed so I can submit an online dispute with my supporting documents. Every time someone answers the phone there is a language barrier and they can not provide me any information as to why my account is locked

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 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In my previous CPFB complaints ( case numbers XXXX ; XXXX ; XXXX ) referencing XXXX illegal refusal to perform a mutual offset or discharge on the XXXX XXXX ending in XXXX ; their XXXX check of my credit report ; and their retaliation for closing other accounts ( Home Depot, Macys ), I asked Citi to provide a copy of XXXX tax documents XXXX, XXXX, XXXX, and XXXX which prove that Citi is the fiduciary debtor. To date I have not received these tax documents. 

I also requested via certified mail and in the XXXX complaints mentioned Citis notice of dishonor from a qualified third party such as the US Treasury explaining why Citi refuses to perform a mutual offset or discharge. Citi must also state which federal laws prevent them from performing a mutual offset or discharge. In reference to the agreement Citi mentioned, I need the copy of the agreement which shows the wet ink signature of both parties sent to me via certified mail. Finally, Citi must explain why they kept the XXXX accounting document when they refused to do the mutual offset or discharge. At the present, Citi is already in default with dishonor and estopped from any and all future collection activity and negative reporting.

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 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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 explanation
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, Account # XXXX has violated my rights. 
i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 
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 explanation
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX DEPT OF EDXXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF EDXXXX XXXXXXXX Balance : {$5900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$1900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF EDXXXX XXXXXXXX Balance : {$350.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5900.00} DEPT OF EDXXXX XXXXXXXX Balance : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$5800.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$9300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$10000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep concerns and distress regarding the ongoing interactions I have had with your organization. As an XXXX who identifies as XXXX, I have always held the belief that every individual deserves to be treated with fairness, respect, and dignity. Regrettably, my recent interactions with your team have left me feeling targeted and marginalized, despite my genuine attempts to seek assistance and clarity on my mortgage situation. 

Over the course of our communications, I have found that the information provided by your representatives has been anything but clear and professional. The constant correspondences and documents mailed to my residence have not only been overwhelming but have also come across as misleading and at times, contradictory. 

I have actively sought assistance for my mortgage due to the hardships presented by the XXXX pandemic. Despite my diligent efforts in ensuring that my application for assistance was complete, I was repeatedly informed that it was not. This has not only caused me undue stress but has also led to an environment of uncertainty about the future of my residence. It was disheartening to receive multiple foreclosure packages, giving an impression that I was on the brink of losing my home. The emotional toll of facing the insecurity of potential displacement can not be understated. 

Ironically, after the repeated intimations of my application being incomplete, I received a letter from your end stating that my mortgage assistance request was indeed complete and devoid of any missing documents. Yet, in a bewildering turn of events, I once again find myself receiving foreclosure packages and being advised to reapply. 

The inconsistency in communication and the lack of transparency have made an already challenging situation even more difficult for me. I am earnestly seeking the assistance that I am entitled to during these unprecedented times. I implore you to review my situation with the seriousness and urgency it warrants. 

In conclusion, I kindly request clear answers to the following questions : Is my application for mortgage assistance complete and under review? 
What is the current status of my mortgage, and are there any impending foreclosure actions? 
What are the next steps I need to undertake to ensure the security of my home? 
I appreciate your attention to this matter and hope for a resolution that ensures transparency, fairness, and empathy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: CA

Complaint narrative:
The complaint is against PayPal. I have had an account with PayPal for a long time that I rarely have used except maybe 1 or 2 transactions over the life of the account since it was created. They placed my account on a temporary restriction and requested information from me to resolve the account restriction including linkage of a bank account and photo ID. These documents were submitted and accepted when I was logged into my PayPal account. 

Today, I received an email with a receipt indicating a purchase through PayPal that appeared to be a scam. I do not use PayPal. I logged into my account on the legitimate PayPal site to close my account which I was unable to do so. The site indicated that I needed to resolve issues with my account to remove the limitation and could not close or delete any information until that time. I also found the attached notice that stated, " We're permanently limiting your account. You can no longer use PayPal as we've decided to permanently limit your account after review. '' I called PayPal today at XXXX and spoke with XXXX. She stated that PayPal determined that transactions on my account were a security threat to PayPal and its users despite seeing that the account is not used. She stated that I could not close the account or delete any information with the permanent limitation status that she could not override. She would not immediately state the reason that my account was permanently limited but then stated it was due to the photo ID that I submitted upon their request that created the issue but would not tell me anything more. She said that I could submit another photo ID for review. I refused stating that I would not provide any further information since PayPal was not letting me have control over it. She kept referring back to the User Agreement. She could not do anything further. I stated that I would file a complaint with the FTC and CFPB to have my account and all the information deleted from their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian verified an account on my credit report as valid with out the proper documentation and just lie about the status of this account with a balance of {$1700.00}... 

1. I contacted XXXX XXXX  and they inform me they sold the account XXXX to XXXX XXXX XXXX and they stated clearly that this company has paid the debt in full and I don't longer own XXXX XXXX any sum of money and anything from now and forward need to be handle with XXXX XXXX XXXX 2. I contacted XXXX XXXX XXXX true the phone number ( XXXX ) XXXX and indeed they inform me they had bought the account XXXX from XXXX XXXX and had paid the " {$1700.00} '' balance in full and now and forward I need to make any payment to XXXX XXXX XXXX .... 

3. I requested the signed bill of this transaction, sold/bought of account XXXX from bout company and also true Experian and ALL OF THEM HAVE FAIL TO PROVIDE ME WITH THIS DOCUMENTATION 4. EXPERIAN JUST LIE ON THE VERIFICATION OF THIS ACCOUNT, THEY DONT HAVE ANY PROPER SIGNED BILL OR DOCUMENTATION FOR THE SOLD AND BOUGHT OF THIS ACCOUNT XXXX XXXX  XXXXXXXX XXXX IS STILL REPORTING ERRONEOUS AND FALSE BALANCE ON THIS ACCOUNT .... THEY WHERE PAID ALREADY IN FULL BY XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a request for Best Buy, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than 7 years old. I know for a fact that I did make these payments, but I am not here for that. They are reporting to XXXX and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from CITI and Best Buy stating the dates. I do not have the letters mailed to them.

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 2023-09-20 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: MA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I have bought multiple XXXX XXXX XXXX XXXX over the past few months. XXXX of them did not work and I opened cases with Incomm nearly 2 months ago. I keep getting the run-around from them. They first told me my case would be resolved and I would have access to my funds within 30 days. After 30 days had elapsed, they then told me the issue would be fixed in 48 hrs, then another 48 hrs, then another 48 hours, and now finally I just called in and they say another 48 hrs. Basically they have done nothing about my cases and just keep kicking the can down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
XXXX, XX/XX/2023 Dear Sir/ Madam ; I am XXXX XXXX would like to seek to resolve a fraudulent loan thru your office. 

As the matter of fact, on XX/XX/2023 person name XXXX ( ( XXXX ) called and asked if I interested about the XXXX XXXX XXXX by state of Texas and if I did there was a man name XXXX ( XXXX ) would see me within 1hr at my house. After we met and exchanged some necessary information XXXX he said in order to fulfill the application he needs my fully personal information for verification of my background, credibility, income... .etc. and if the application got approved then the employee of city of XXXX would come for checking whether or not my property meet standard code of conduct safety and the processing would take up to a week. 

However, on the date of XX/XX/2023 I got a text message from XXXXXXXX XXXX XXXX for XXXX XXXX ( as XXXX  # XXXX ) and I was told by XXXX 's represent to call Goodleap LLC to find out the new inquiry and I had tried to contact Goodleap LLC ( as XXXX  # XXXX ) from time to time I finally spoke with XXXX XXXX XXXX, manager of the underwrite department, then find out that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX had fraudulently created a fraud email as XXXX and phone number as XXXX ( as XXXX  # XXXX ) along with my personal information to applying for a loan of {$93000.00} with 8.49 % interest for 25 years and that amount of such loan had already issued to the XXXX and she told me to find out the physical address of the applicant on website as I requested her meanwhile the investigation will be on her behalf and we should keep in touch with her personal cell phone and her email as XXXX for further information. And on XX/XX/2023 I drove to the office of Secretary of State of Taxes to get help with dispute and was told by XXXX XXXX XXXX XXXX XXXX # XXXX ), personnel of the office that I would submit as much as information about the Scam and mail to SOS of Texas including the money order of {$30.00} for the fee and my complaint would be sent to Federal Trade Commision ( as XXXX  # XXXX ), since that issue came out I have tried to contact XXXX by call and text thru his cell phone number to express my anger over the dishonest business and demanded that fraudulent loan must have been resolved and returned to Goodleap in the soonest time and XXXX assured that he would submit to his company ( as XXXX  # XXXX ... XXXX ) but my demand to no avail till XX/XX/2023 I received a mail indicating my first payment ( as XXXX  # XXXX ) will begin on XX/XX/2023. As of this issue, I seek help through Consumer Financial Protection Bureau ( as XXXX  # XXXX ) in hope to clear off the loan that i did not apply for. 

I am enclosing all information as a proof to you for consideration. 

Very Sincerely. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/2023 there was a charge made to my citicard credit card for {$63.00} fraudulently.Citicard has refused to fix this. I WANT PROOF THAT I MADE THIS CHARGE. Citicard wants me to bend over backwards and do all the work, I have filed reports with my local police dept, RI attorney general, CFPD, FTC, all 3 of my credit bureaus, and reached out to an attorney. Citcard continued to charge me late fees while being disputed and reported that i was merely being delinquent in payment. It dropped my score XXXX point and continues to affect my score negatively and impacting my natural order of impeccable credit that i worked 27 years to establish. i finally paid the fraud charge in order to stop the process and take legal action the right way. Again, i demand the proof that i made a subscription charge to XXXX on XX/XX/203. 

XXXX Police report filed XXXX dispute filed and fraud alert placed on credit CFPD complaint XXXX # XXXX Report fraud FTC Report XXXX : XXXX Consultation with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and AFFIRM INC XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was advised by a representative at Transunion to file this report. These inquiries are fraudulent and do not belong to me. Please remove them from my credit report. 

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

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