vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I refinanced my loan just a few months ago. Refinance was to start in XXXX. I JUST received my bill with my payment information on XX/XX/XXXX ; the letter was dated XX/XX/XXXX. I am online only on bills, so there should have been no delay in receiving this explanation of my refinance. 

Last month, I attempted to pay my student loans, as I do every month. However, it had my balance as {$0.00} and nothing due ( refinance came through ). I didn't make a payment without knowing if my account information would change or what more information I needed. Then, I received a notice from the DOE that I missed a payment, which, of course, is inaccurate as far as I could tell. Now, the letter I just received today said my first payment under refinance was due XX/XX/XXXXXXXX The website still has my amount due as {$0.00} and my balance as {$0.00}. Additionally, there is still no reduction given to all XXXX XXXX students. That last, however, I am unsure if it is the problem of the service provider or the DOE. 

My service provider is EDFinancial. Not only are their communications late and inaccurate, but navigating their website to find even the most basic information is more than a pain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and Experian are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, Experian, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This account was open with my information i tried disputing it several times and asked for proof they never send proof and keep making me make payment on this account that doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage did not reduce my mortgage payments based on the reduction of my property taxes going down to {$16.00} per year, and they raised my mortgage payment from {$2900.00} to {$3200.00}. They told me that the adjustment would be made in XXXX and that I would receive a refund. Instead, they raised my mortgage payment, closed out the previous case on my property taxes, and opened up a 60-day review of my escrow. I'm requested to pay {$3200.00} for XXXX and XXXX mortgage payments. This issue should have been resolved back in XXXX when they told me the mortgage company performed their yearly review of escrow. The {$300.00} dollar extra they are asking for me to pay could have caused my mortgage payments to go into default if I wasn't able to borrow the money from a family member. In my opinion, the company acted unethically with this process. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-11-17 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: LA

Complaint narrative:
In 2020 I used PayPal small business to process my transactions for my business. In XXXX I found that there were unauthorized transactions being made. I talked to PayPal small business and they assured me the transaction that was being repeated would stop and I had nothing to worry about. they continued to let the transactions to go through to the sum of approx XXXX and after a employee stole and used the card for approx XXXX more we. Disputed and lost PayPal closed out my account and has since suffered data breach which of course affected my account docs so I can not verify income for my business and PayPal charged me another fee which went to my credit report for the account in question

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: PA

Complaint narrative:
EdFinancial sent me a letter with my new monthly payment after consolidating my loans under the new income driven repayment I signed up for at StudentAid.gov. They have not updated their monthly payment on their portal, and despite me making my agreed upon monthly payments per the letter, their portal is saying I am behind on my loans and to contact them. I have emailed them 3 times, called countless times, and yet I am unable to reach someone to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC BANK HAS REFUSED TO PROVIDE ME WITH REQUESTED DOCUMENTS REPEATEDLY AND CONTINUE TO HARASS AND TEXT ME ABOUT AN ALLEGED DEBT I DO NOT OWE. THEY ARE ALSO REPORTING THE INFORMATION TO THE CREDIT REPORTING AGENCIES. 

THEY ARE IN VIOLATION OF THE TCPA ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: GA

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. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-17 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: Experian Information Solutions Inc.
State: GA

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. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NY

Complaint narrative:
My Square account was deactivated 2022. The last transaction I made on the square account was on XX/XX/2022. 

I had disputes on the account that was later cleared on XX/XX/2022. 

I have funds on my square account over {$4000.00} in which square has not allowed me to withdraw. 

When I complained to Square, I was given the following response. 

" Hi XXXX '' After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final.

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details ''.

In the first paragraph of Square response, Square said they are not able to process payment to my business which I accept because they already deactivated my account and stopped processing payment since XX/XX/2022. I am not asking Square to process any payment for my business, I am only asking to get my funds leftover on the account. 

In the paragraph two of Square response, Square mentioned about the agreement of card networks. I understand I had a disputes with my customers but those disputes were closed since XX/XX/2022 on square and so I am entitled to my money leftover on square. 

The disputes I had on Square were all closed and whatever agreement Square has with credit card networks is not applicable here because I do not have any disputes on square. I am only looking to withdraw my balance of over {$4000.00} leftover on my Square account after deactivation.

Square has refused giving me access to my money, they only talked about section XXXX and XXXX of user agreement which talks about service termination. 

I know square can terminate account by deactivation, but the funds has to be given to the owner after 90 days. 

In my own case, the decision for square to hold my funds since XX/XX/2022 is u justifiable without any disputes. 

I have uploaded a screenshot where Square said they will not support processing payment for my account. I have made it clear to square that I have accepted the status of my account to remain deactivated, but that I need to get my money out which has been sitting there unjustifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On XX/XX/2023 an item was returned and credit of {$21.00} should have been applied to my account on XX/XX/2023 by the bank system. However, the bank would not release the funds and told me that it is not available and marked it as pending until XXXX XXXX contacted the bank and they said it could take up to 5 days. They also said that my account was compromised again. 
On XX/XX/XXXX I made a transaction in the amount of {$43.00}, {$3.00}, and deposit of {$45.00}, {$39.00} but the bank illegally applied the transactions for XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate late payment entry on my Experian credit report. The account in question is with XXXX, and the account number is XXXX. 

I have recently discovered that Experian is reporting a late payment for the month of XXXX, which is incorrect. I made two separate payments on XX/XX/XXXX and XX/XX/2023, well before the due date. It is puzzling and concerning that this account is being reported as late, despite clear evidence of timely payments.

This reporting discrepancy not only harms my credit standing but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I believe this error violates 15 U.S.C.1681section 2, which mandates the accuracy of information reported to credit bureaus, and 15 U.S.C . Section 1a, which outlines the general requirements for consumer reporting agencies. 

Attached to this complaint is a copy of my bank statement reflecting the transactions on XX/XX/XXXX and XX/XX/2023, clearly demonstrating that the payments were made on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a {$1000.00} payment to my XXXX credit card. The money was withdrawn from my checking account and as of this complaint, the payment hasnt been applied to my credit limit. The response from XXXX is completely illogical and unacceptable, as they havent adjusted my credit limit to reflect the payment. They informed me it could take another 7 days to post/reflect. I have {$20000.00} and {$30000.00} limits with other card issuers and a perfect payment history. Its unfair and borders on discriminatory for a credit card provider to accept the payment then take weeks to adjust the credit limit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: Tally Technologies
State: AL

Complaint narrative:
In according with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
I SENT SEVERAL CERTIFIED LETTERS TO PORTFOLIO RECOVERY ASSOCIATES VIA U.S. MAIL AND BY EMAIL. THE LETTERS WERE RECEIVED BY PORTFOLIO RECOVERY ASSOCIATES DURING THE WEEK OF XX/XX/2023 AND THE FOLLOWING DATES OF XX/XX/XXXX AND XX/XX/2023. MY LETTERS ARE REGARDING THE VIOLATION OF MY NONPUBLIC PERSONAL INFORMATION BEING REPORTED BY PORTFOLIO RECOVERY ASSOCIATES ON MY CONSUMER REPORT WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE. I ALSO SPOKE WITH THE PORTFOLIO RECOVERY ASSOCIATES DIRECTOR OF DISPUTES ON XX/XX/2023 AND XX/XX/2023 REGARDING THE VIOLATION OF MY RIGHTS TO PRIVACY AS A CONSUMER. THE DIRECTOR OF DISPUTES FOR PORTFOLIO RECOVERY ASSOCIATES ARGUED WITH ME STATING PORTFOLIO RECOVERY ASSOCIATES HAD THE RIGHT TO REPORT ON MY CONSUMER REPORT BECAUSE THEY PURCHASED THE ACCOUNT FROM XXXX XXXX  ENDING WITH ACCOUNT NUMBER XXXX AND STARTING WITH ACCOUNT NUMBER XXXX.

Company response to consumer: Closed with explanation