vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
XX/XX/2024 XXXX XXXX LOCATION INFORMATION : XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNT # : XXXX Dear JEFFERSON CAPITAL SYST, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY. 

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING. 

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to address a missed payment issue with XXXX that has had a significant impact on my credit report. As a professional, it is crucial for me to uphold a spotless credit history. I have always been diligent in making timely payments, as evidenced by my previous credit score. In XX/XX/2023, my XXXX mother passed away. She had been hospitalized since XXXX of the same year and eventually succumbed on XX/XX/XXXX. The loss of my mother, with whom I shared a close bond, plunged me into a state of XXXX that had adverse effects on my XXXX well-being. Following her passing, I had to participate in mandatory religious ceremonies for a period of 45 days. Prior to my absence, I ensured that all my accounts, including the one with XXXX, were set on autopay and entrusted their management to my accountant. I took a break from all work-related matters to mourn my mother 's death and focus on my XXXX health. 

In XX/XX/2023, the XXXX payment was scheduled for autopay. I mistakenly assumed that the mortgage payment for XXXX had been processed since it was on autopay. Due to the emotional turmoil caused by my mother 's passing, I did not check my bank accounts in XXXX. Upon returning to work in XXXX, I received a XXXX late notice from XXXX in XXXX mail. Upon contacting XXXX, I was informed that the payment had been initiated but did not go through due to a system glitch. I promptly attempted to make the payment again, only to encounter the same issue. After a third attempt, the payment finally went through, but it covered the amounts for XXXX, XXXX, and XXXX in a single transaction. I contacted XXXX to address this error, and the representative provided me with the necessary information to request the removal of this mistake from my credit report. As a result of this incident, my credit has been negatively impacted.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This account was a charge off. last payment was XXXXthen went into charge off. 
in XXXX since then, the account has been repeatedly updated as charge off ever month. 
for 40 months. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. 
my rights. this was a voluntary surrender of car. and you didnt close account till XXXX when it should of benen closed in 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 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Dept of ED/NELNET {$1100.00} PAID IN FULL Dept of ED/NELNET {$46000.00} PAID IN FULL Dept of ED/NELNET {$27000.00} PAID IN FULL all paid in full I have received paper work but my fico score has not went up from this and should be changed as soon as possible on XXXX, XXXX, AND XXXX XXXX I received letter in mail on XXXX XXXX. This is the law and it is against the law that my credit score has not raised up and a total of {$74000.00} was paid off on my credit report and my credit score should show the rise in my credit. Thank you I will wait until next Thursday XX/XX/year> before contacting a Attorney for further actions. 

THANK YOU IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My issue involves an unjust ruling by PayPal in a payment dispute that favored a claim by a buyer that he did not receive the goods he paid for, where in fact that he actually did. I have filed my complaint both online in the PayPal Resolution Center and by speaking with two separate customer service agents. I have also taken the matter up by email with two PayPal customer executives : XXXX XXXX, VP of Global Customer Service, and XXXX XXXX, Senior VP of Global Customer Service. I have not heard back from anyone about my complaint. The dispute is PayPal case ID number : XXXX XXXX 
The matter concerns a payment transaction through PayPal by the buyer on XX/XX/XXXX for {$300.00}. This was an in-person sale where the buyer had my home address and cell number in order to pick up my merchandise. It was some 10 months later on XX/XX/XXXX that the buyer filed a claim against me and that I was notified by PayPal that the buyer filed a claim of not receiving his goods. According to PayPal rules, a buyer has up to 180 days after a purchase to file a claim for not receiving goods. Why would a buyer wait 10 months to file a complaint, especially when he had both my home address and cell number. And why would PayPal go along with this unjust ruling in favor of the buyer? Upon my notification of this dispute, I personally called the buyer on his cell phone to find out why he filed the dispute, and was told that upon reviewing his expenses for XXXX, he came across a {$300.00} payment that he couldn't account for. I reminded him of the goods I sold him and he told me he failed at the time of the purchase to notate what it was for. I urged him to contact PayPal and tell them it was a big mistake. After I made several follow up attempts with him, by phone and email, he would not reply. At that point I realized that I was scammed by the buyer. Lastly, please note that I have provided PayPal with hard copy evidence showing cell phone screen shots of texts with the buyer indicating when was coming to my house on a specific date and time to pick up his merchandise. And to make matters worse, I have just received a collection notice from PayPal 's collection agency, XXXX XXXX to make restitution for the {$300.00} ( plus a {$15.00} fee imposed by PayPal, which could now impact on my personal credit rating. PLEASE HELP ME TO RIGHT A WRONG MADE BY BOTH A BUYER SCAM ARTIST AND PAYPAL. I have been a long-time buyer using PayPal for many years and have come to trust their services. Now this one time when I am selling personal goods and accepting PayPal payment from buyer, I get stiffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
PayPal is often used by sellers to process transactions and consent to recurring payments. Until recently, they had a Recurring payments dashboard in which you could see what companies they were taking funds from my bank account on behalf. 

I used paypal because of the expectation that I could identify and cancel recurring third party paid services ( such as streaming services ) through them. Without notice they have removed this feature and made the font on the transaction record much smaller. 

I think this is confusing and created a false expectation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
Aivantage is sending unwanted and harassing emails from a no-reply address about loans that were supposed to be discharged already 2 months ago due to Borrower DefenseXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My sister and I are beneficiaries from our Parents Trust account. Chase Bank keeps coming up with excuses as to why they can't release the funds. XXXX XXXXk has been most accommodating. Took less than XXXX week to receive the monies. We have been going round and round with XXXX for over a month now, getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I filed multiple disputes in regarding this account from Exeter finance Accounts number # XXXX original contract date of XX/XX/year>. This account have been on my XXXX  credit report since. It has been causingconsumer injury to my credit file. i have been recieving denials from creditors due to this account in which was sold and left with a balance of {$6500.00}. It has been removed from the other credit bureraus, XXXX refuses to remove this. This account has been sold to ( XXXX ) and given a new account # XXXX also reaged by everyone purchasing this account, this is wrong and according to the consumer protection act. We are entilted to an accurate credit reporting from all bureaus. This account should not even be listed on my credit it has been 9 years reporting today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, fraudulent transfers valuing {$250.00}, {$210.00}, {$100.00}, {$55.00}, and {$24.00} were made from my XXXX XXXX XXXX checking account. Of those transfers, {$210.00}, {$55.00}, and {$24.00} were converted to cryptocurrency via my PayPal account. This trend of fraudulent transfers passing from my XXXX  XXXX XXXX account to my PayPal account continued for several days : XX/XX/XXXX {$290.00}, {$270.00}, {$250.00}, {$35.00} ; XX/XX/XXXX {$260.00}, {$270.00}, {$260.00}, {$240.00} ; XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$310.00} ; XX/XX/XXXX {$180.00}, {$300.00}. The total was 17 fraudulent transfers worth {$3500.00}. Of those, 15 fraudulent transfers involved PayPal ( {$3200.00} ). When I called my bank to report the fraud, XXXX XXXX XXXX gave me 15 miscellaneous credit adjustments : XX/XX/XXXX {$310.00}, {$300.00}, {$290.00}, {$270.00}, {$250.00}, {$210.00}, {$55.00}, {$35.00}, {$24.00} ; XX/XX/XXXX {$250.00}, {$10.00} ; XX/XX/XXXX {$270.00}, {$260.00}, {$200.00}, {$180.00}, covering all but two fraudulent transactions with PayPal ( which happened on XX/XX/XXXX for {$260.00} and $ XXXXor {$500.00} total ). A month and a half later, on XX/XX/XXXX, I received an email from PayPal saying [ XXXX ] Weve debited your account. [ XXXX ] Our records indicate that you received a duplicate credit from the following transaction. Because youll be getting money back from the financial institution, weve removed the crypto and any associated rewards received or the equivalent proceeds from your sale of the crypto from your balance. Because you received two credits for the same transaction, we will be debiting {$180.00} USD from your PayPal account. This debt will occur on or after five business days from the date of this email. We will email you to let you know when this debit is complete. If there is not enough money in your PayPal account to cover the full transaction amount and the debit, please add money to your PayPal account to avoid having a negative balance. I received the same email again and again as my account was debited 12 times : XX/XX/XXXX {$250.00}, {$300.00}, {$260.00}, {$53.00}, {$33.00}, {$22.00}, {$210.00}, {$300.00}, {$280.00} ; XX/XX/XXXX {$250.00}, {$170.00}, {$260.00}. I called PayPal requesting an explanation, but was left empty-handed by their support team, who referenced records that did not match mine or my banks. Since XX/XX/XXXX, my PayPal account has a negative balance of - {$2400.00}. This has not only harmed my relationship with PayPal but also XXXX  XXXX XXXX due to a loss of trust with these institutions. Additionally, this impacted both my credit score and my regularly scheduled debt payments with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. 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 2024-03-17 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: IL

Complaint narrative:
I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about about whom the report relates. The following account [ XXXX XXXX XXXX ], is not accurate. 

[ XXXX XXXX XXXX ] open and closed date is inaccurate with the amount of $ {$21000.00}. This is not my account, I've never given my consent to open this account, according to the credit fair act law called 15 U.S.C. Sec. 1681i. By law, I have rights to challenge anything I am not sure is accurate. I also have a fraud alert on file on my account to prevent acquisitions like this. Please investigate if every piece of information is correct. If not please remove it from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MI

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT THE PLACES BELOW : Inquiry : XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. Under Section 1681s-2 ( b ) of the FCRA, when a furnisher receives a consumer dispute forwarded by a consumer reporting agency, the furnisher must conduct an investigation to determine whether the disputed information can be verified. If the evidence available to the furnisher is inconclusivei.e., if the investigation is unable to determine whether the disputed information is accurate or notthen the FCRA does not allow a furnisher to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Even if no reasonable investigation could have conclusively determined that the information was false, the fact remains that the information has not been verified and must be handled accordingly. In particular, Section 1681s-2 ( b ) ( 1 ) ( E ) provides that when disputed information is found to be inaccurate or incomplete or can not be verified, the furnisher must, as appropriate, delete, modify, or permanently cease reporting the disputed information. The appropriate response is the one that will ensure that the furnisher does not continue to report any of the XXXX XXXX, Document 74, XX/XX/XXXX, XXXX, Page17 of 35 14 information that the consumer has disputed unless that information is verifiably accurate. Thus, any information that can not be verified should be deleted from the data that the furnisher submits to consumer reporting agencies. Moreover TransUnion still has NOT PROVIDED PROOF. Please remove the above inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly refer to the enclosed document. Further supplementary documentation will be provided within the stipulated timeframe. Closure of this case will not occur until finalization has been confirmed regarding credit reporting. 


Submission Dates for Correspondence : XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ] XX/XX/XXXX [ Sent via Mail to All Bureaus ]

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 2024-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
UWM reached out when setting up payments from my escrow account and inquired as to my consent to pay my supplemental tax bills. UWM was my loan servicer for the greater part of my first year owning my home at XXXX XXXX XXXX As such the tax bill had not updated until the following up, so a supplemental tax bill was created for me to match the property tax owed for XXXX. After getting consent, they made three payments of {$560.00}, XXXX and XXXX whose amounts I got directly from the Tax Collector for XXXX XXXX XXXX. They had made the last payment late and I never received notification of such in the mail. That late payment incurred a fee and then in turn that amount then became defaulted on, which incurred a XXXX default fee. UWM transferred my loan and escrow accounts with a delinquent balance, so I began incurring monthly fees for {$49.00} until I reached out to XXXX XXXX XXXX XXXX and investigated this entire matter. If UWM was unable to accept the responsibility of paying my supplemental tax bill, the appropriate course of action should have been to refund me that amount and allow the homeowner to pay those payments. I incurred an obligation of over {$1000.00} dollars as a result of their negligence, and in their response letter contradict themselves in stating they made the supplemental tax bill payments but that supplemental tax bills are the responsibility of the homeowner. I would appreciate some resolution and admission of fault at a minimum from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Someone opened a credit account with CapitolOne in my name without my knowledge or consent on XX/XX/2024. I received a CapitolOne Venture Card on XX/XX/XXXX in the mail. I then called CapitolOne on XX/XX/XXXX to report the fraud, and they informed me the account had been opened with erroneous personal information, including a wrong date of birth. CapitolOne opened an investigation which is now ongoing. I have started freezing my credit accounts with the reporting agencies, and will be seeking to remove the hard inquiry that's now on my report.

Company response to consumer: Closed with non-monetary relief