vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
I am reaching out to assist in a matter concerning a loan company. After advising them I was experiencing an extreme financial hardship and death in my family I requested they cease any automatic payments from my account. I received a call from XXXX on XX/XX/XXXX. I again explained I was suffering an extreme financial difficulty due to a loss of income and death of my brother who was murdered on XX/XX/XXXX. I requested a financial hardship program which would allow me to pay back this loan with terms that did not consist of interest only payments. I was advised by XXXX that the only thing they would be able to do is put me at payments of {$20.00} until I can get on my feet however interest would a continue to accrue at a standard rate. I informed him that would not be sufficient as I would just be throwing money away, all while continuing to accrue a high interest balance each month. XXXX then explained he was unable and unwilling to do anything else and that if I did not work out a promise immediately I would be subject to an unauthorized payment being submitted to my bank. This is nothing more than an unacceptable and unauthorized threat which should be investigated. No company should feel its first option for dealing with someone in a hardship is to threaten to take money from my bank account. I am asking that I be contacted by a member of the corporate staff in order to work out an acceptable and reasonable arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
Paypal has created backdoor access into customer funds. 
Paypal created secret " billing agreements '' that allowed a merchant to withdraw on my paypal funds without my authorization. They call it " automated payments. '' Anyday & anytime after a one & done transaction a merchant can submit an invoice of any amount to paypal to be paid with my funds. 
In XX/XX/XXXX, I went to a website and made a one-time purchase via Paypal for a year of streaming services. Then, I downloaded their official app and put down my debit card as my method of payment. Not Paypal. In XX/XX/XXXX I tried to end subscription before renewal date shown on my account. ( Renewal date on account was incorrect for unknown reasons ). The merchant submitted to Paypal a bill for a new year of service at a 37 % markup. Paypal deducted full amount from my wallet on XX/XX/XXXX. I called merchant for refund & cancellation. Merchant refused both. I submitted complaint to Paypal. In about15 minutes, Paypal claimed I had authorized payment & sided with merchant. I filed appeal with Paypal. I canceled unwanted merchant streaming service myself but it showed good thru XX/XX/XXXX. Paypal sent me link showing active billing agreement with merchant. It also showed 8 other such agreements with other merchants. Merchants like a one-time purchase of cleaning supplies, round trip train ticket, donation to a social cause, etc. One merchant even showed on the invoice that it was " one-time '' purchase but Paypal still created a backdoor agreement. 
At XXXX XXXX  on XX/XX/XXXX, I called the merchant again & received a full refund and immediate cancelation of service. Paypal also reversed decision and sided with me. By XXXX on XX/XX/XXXX, my money was back in my Paypal wallet. 

I never made an agreement with those merchants for continued access to my Paypal wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank, Bank of America, has changed the auto pay system and removed my autopay external account, the account was defaulted because of this, I was not able to access the autopay system to remedy the situation. I had to be on the phone in a long wait to make a payment by phone and even after this payment was honored by the second bank did not credit to may credit card account and I received a new statement with an outstanding balance. Not the first time this bank technical problems prevented me from making transactions with other banks. They do not honor external transfers and change the system with migration errors.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently sold a vehicle to a company and was issued a check for {$400.00} on XX/XX/XXXX. I deposited that check and Chase placed my account on hold. I have been contacting check since that date and it is now XX/XX/XXXX regarding this issue. They refuse to call the number of the company to verify the check due to it not being verifiable in their system. I had the lady who writes the checks call to give them the information needed and the refused to give her any information and told her Its between her and the bank. The last phone call I had with a representative I was told my account is in the process of being closed and even when the check is verified, my account will still be closed. Ive received so much conflicting information and my account is now restricted, direct deposit from my job will now process late and can not pay any bills coming up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: DC

Complaint narrative:
Please, please please make all the credit agencies PROVE that the debt they are attempting to have reported on a consumer 's account is good debt w/in the statue of limitations BEFORE the credit companies put the info on a consumer 's report and downgrade the credit rating. Innocent until proven guilty. My Experian account reported that my credit score went down b/c of new information reported by XXXX XXXX XXXX Acct XXXX who CLAIMS I owe {$98.00} to XXXX. XXXX bought this debt they are attempting to collect from me. XXXX reported that it was current as of XX/XX/XXXX and shows little x marks next the past XXXX months on some bogus report they misrepresented and fabricated. As reported on XXXX report JCS phone = XXXX, address XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX. I opened a dispute advising XXXX to request XXXX scammers prove that its debt collection action follows the Virginia state statue of limitations debt collection laws. XXXX responded w/in hours that the debt collection attempt is good and my dispute is closed. I have NOT had a XXXX account since XXXX or XXXX when I switched to XXXX XXXX to XXXX years ago - way past the statue of limitations. I contacted XXXX XXXX to set up home internet service. XXXX first ran a credit check on me to determine if I owed XXXX any money, The XXXX rep told me in XXXX I do not own XXXX any money. I phone XXXX XXXX on XXXX XX/XX/XXXX. Experian online now prevents me from reopening my online complaint or it is hidden behind some screen. I XXXX robot prevented me from speaking to a customer service rep saying it is impossible for me to speak to a cust. svc. rep. Call back another time. When is the federal govt going to put guidelines in for the three credit agencies who are clearly in bed w the predators and demand that they make it super simple for people to easily respond to the repeated misrepresentation of this debt collector predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I had opened a checking account with Citibank on XX/XX/XXXX and was waiting for the card to be sent in the mail. A few weeks go buy I tried to deposit checks via mobile app but always failed to work so I used my old bank account with a different bank because direct deposit had not worked yet it was taking time and I was being impatient. So it looked like I deposited the check twice to Citibank but I never spent the money and made sure I paid the fees for doing that. Fast forward to XX/XX/XXXX they told me my account was gon na be closed in 60 days. I wasnt able to turn off direct deposit in time to stop them from receiving a paystub ( {$1200.00} ) from the XXXX so I called them and they said to make sure I removed it from direct deposit and I would have to wait XXXX  days until they can mail it back to my address I provided to them. Fast forward to XX/XX/XXXX I called them again asking about the remaing balance because i had not recived an account closure item in the mail detailing why it was closed and the remaing balance that was sent to them. I was then informed by them They are requesting a " harmless claim '' to be sent from the bank/third party sender my employer uses ( XXXX XXXX in order to release the money back to XXXX to be distributed back to me. I informed them there was no legal action I am seeking I just wanted the remaining balance sent to me by mail like it says in their policy. But was told they couldn't do that and hung up.

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 2023-07-31 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
None of the choices were applicable. But I am trying to get a mortgage and the underwriters are asking for a letter from Synchrony bank stating that the balance shown on my report is actually not owed but was forgiven because we did a settlement. I have called synchrony multiple times and they keep telling me they can not give me a letter. I dont know what to do.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC
State: IN

Complaint narrative:
I never entered into a contract with Global Lending Services. they bought my debt for there monetary gain but has since harmed my reputation as a consumer / natural being. my rights and defamation of my character has been violated due to there inaccuracies. I disputed the account XX/XX/XXXX and the account was removed on XX/XX/XXXX which has been falsely reporting on my consumer report since XXXX. Global lending services behest a towing company by the name of XXXX XXXX XXXX  XXXX of XXXX, XXXX XXXX to steal my property from my place of abode. Let me remind you I never entered a contract with neither organizations so there was no reason neither organizations to know where to send any false and deceptive forms yet to steal my property which was for personal, household, and family use. I have since been without a vehicle and this violation of my consumer rights has since caused myself and family emotional distress from Depression of me losing my vehicle, loss of work due to not having a reliable means of transportation, XXXX XXXX, embarrassment, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Consumer complaint received 2023-07-31 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Nissan Motor Acceptance LLC is in violation of 15USC 6802 for furnishing an account with incomplete information to the credit reporting agencies without providing me with ALL THREE of my OPT OUT disclosures before the reporting of this data. 
I was only given disclosure form A ) in which, only states that Nissan Motor Services MAY OR MAY NOT disclose my non public personal information to a nonaffiliated third party. 

XXXX states : a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title - ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

This violation of 15USC 6802 - OPT OUT alone justifies deletion of this account. 

Furthermore - NMAC states in their response to my previous complaint that they are reporting this account and its data accurately - that my stance is not supported by law. 

But according to 15USC 1681a Section 2 under the Exclusions Title : 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions or experience to Nissan Motor Acceptance LLC are excluded from my consumer report, therefore they must delete this account and its data from my report. 

It has been more than 60 days since they have been notified of their violation and this account is still on my credit report.

Company response to consumer: Closed with explanation