vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to lodge a formal complaint against PayPal regarding an issue that has adversely affected my financial obligations and credit standing. For the past several months, I have been using PayPal to successfully complete my monthly XXXX XXXX  payments to XXXX XXXX, each in the amount of {$1300.00}. This method of payment has been consistent and without incident for XXXX months, demonstrating a reliable transaction history and sufficient funds for each payment. 

However, on XX/XX/2024, after receiving my work deposit, I attempted to make my regular payment to XXXX XXXX through PayPal. Unexpectedly, PayPal blocked this transaction. Despite my account having sufficient funds to cover the payment, PayPal has not provided a clear explanation for this action nor resolved the issue promptly. As of XX/XX/2024, the payment remains blocked, resulting in my account being overdue and potentially subjecting me to late fees and negative impacts on my credit score. 

I have attempted to resolve this issue directly with PayPal 's customer service without success. The lack of resolution and communication from PayPal has left me in a precarious financial position, unfairly penalizing me for a situation beyond my control. 

In light of this, I am seeking the following resolutions : An immediate investigation into why the payment to XXXX XXXX was unjustifiably blocked. 
Swift resolution of this block, allowing my payment to process without further delay. 
Assurance that such an issue will not recur in the future, along with any compensation for late fees or financial inconveniences incurred as a result of this incident. 
Enclosed are copies of my transaction history with XXXX XXXX, demonstrating my consistent payment record, and any correspondence with PayPal regarding this issue. I have omitted personal information for security reasons but am willing to provide these details upon request. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will assist me in resolving this issue promptly and fairly. Please do not hesitate to contact me for further information or additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
In the course of reviewing my credit report, I spotted inaccurate and fraudulent accounts that need reporting and correction through your company.

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 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: AZ

Complaint narrative:
I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood. 


I WAS A VICTIM OF THE XXXX DATA BREACH AND MY PERSONAL INFORMATION WAS COMPROMISED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TRUIST FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.

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 2024-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: NH

Complaint narrative:
On XX/XX/28 we received a notice that our mortgage was increasing by over {$1500.00}. This didn't make any sense to me as the insurance, taxes and XXXX dues have only gone up a small amount. After much back and forth with BSI Financial via phone, they ultimately admitted that they failed to account for the XXXX dues last year resulting in a huge shortage in our escrow account. 

We thought it was strange that they lowered our payment last year by $ XXXX but didn't think much of it. 

The XXXX dues have been in existence since the origination of our loan, so the fact that they would make this error makes no sense. But, the fact that we should be responsible for this now because of their mistake is unconscionable. We can not afford to pay an additional $ XXXX per month and feel that BSI should be responsible for paying this. 

We have had nothing with problems with them from the very beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Dispute Regarding Purchase of XXXX XXXXr - Seeking Reimbursement for Shipping Cost Dear cfpb Customer Support, I am writing to address a significant issue regarding a recent purchase I made on XXXX. On XX/XX/2023, I ordered a XXXX XXXX, which was advertised as XXXX XXXX. However, upon receiving the item on XX/XX/2023, I discovered that it was made of aluminum, in clear contradiction to the product description. 

I promptly contacted the seller to resolve the issue, but they refused to acknowledge the discrepancy. Subsequently, I sought assistance from PayPal, who assured me that I could return the item and receive reimbursement for the prepaid shipping cost. 

Following PayPal 's instructions, I returned the item with the provided tracking number, expecting a refund of both the purchase amount and the shipping cost. However, to my dismay, PayPal ultimately favored the seller and closed the case, claiming my tracking number was invalid. 

This ordeal has resulted in significant financial loss, as I have not only lost the item but also incurred expenses for the prepaid return shipping cost amounting to {$120.00}. 

Despite my efforts to seek resolution through PayPal and my credit card company, I have been unable to recover these costs. Therefore, I am now reaching out to request your assistance in facilitating the reimbursement of the shipping cost. 

I trust that you will handle this matter with urgency and ensure a fair and just resolution. Attached are the relevant documents to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
Company engaged in frequent calls and mail for a debt not owed. The debt was for a toll in XXXX  which has previously been paid. I asked for the business to stop contacting me and they said they could not stop contacting me until I paid the money or that I would have to send a dispute letter. The supervisor said they would put a note on my account that says cease and desist, but they still have my contact information and private data that I did not supply to them or consent to receive communications from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to inform you that I have recently faxed important documentation to Santander Consumer USA at fax number XXXX. This documentation pertains to a necessary correction of my birthday information associated with my account ( Account # XXXX ). The correct birthdate is XX/XX/1994, which needs to be updated in your records at the earliest convenience. 

This correction is critical for ensuring the seamless processing of my payments, particularly concerning the autopay setup for my new auto loan. Given the importance of this matter, I kindly request that the update be expedited to avoid any potential issues or delays in payment processing. 

Please confirm receipt of the faxed documentation and the subsequent update of my account information. Your prompt attention to this request will greatly assist in maintaining the smooth management of my auto loan repayments. 

Thank you for your understanding and cooperation. I look forward to your swift response and confirmation of the update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
To whom this may concern My name is XXXX XXXX. I am the oldest daughter of XXXX XXXX, Legal Heir to the Estate of XXXX XXXX and Successor in Interest to said property. 

I am filing this complaint today against owner, holder, Servicers of the Note and Mortgage account of the account of XXXX XXXX, XXXX XXXX Backed XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX and New Penn Financial , Llc d/b/a Shellpoint Mortgage Servicing also known as Shellpoint Shellpoint has fraudulently administered another Sheriff sale on the Estate of XXXX XXXX without giving any warning to the Rightful owner of the said property, Schedule for XXXX XXXX I found out Friday, XX/XX/XXXX from a strange man calling my phone claiming to want to help me by buy my mothers house Shellpoint illegally post my siblings and I names and telephone number in the local new paper for nonpayment Violating our privacy and leaving us subjected to random calls all through the day and at inappropriate hours of the night, asking personal questions Shellpoint ( CSR ) is still Refusing to communicate with me/ ( XXXX ) about the Estate of XXXX XXXX Mortgage Loan account, saying Im not authorized to get information Mortgage Loan account by sending all time sensitive mail to my deceased grandmothers po box This complaint contains attached documents of proof and my explanation of these events Theres been mishandling of documents No precaution while preparing those documents Details are not carefully analyzed before making decisions Documenting misleading documents with no correction Distorting facts, processing forms with no relevancy to the Estate of XXXX XXXX Mortgage Loan account Not being truthful about required documentation need to gain access and be Confirmed as a Successor in Interest Violations of Privacy Data Breach By not Acknowledging and Confirming my ownership status by XXXX XXXX XXXX Shellpoint and affiliates made me/ XXXX XXXX ) oppressed and prevented me from having the same opportunities, freedom and benefits that other homeowners had during the Covid-19 Pandemic. 

Instead of helping Shellpoint used my lost of my Grandmother, hardships and disadvantages to administer a Sheriff Sale on the home I lived and paid the bills in and for way longer they have been Servicing the Mortgage Loan of The Estate of XXXX XXXX XXXX ( XXXX ) also feel like Shellpoint has tied and bound my hands Preventing me from honoring my Mothers wishes Preventing me from moving forward and acting freely to facilitate my obligations to the said property With Regard XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FactorTrust, Inc.
State: TX

Complaint narrative:
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All of the unauthorized hard inquiries on my credit report along with the dates they were made. Transunion did not assist me in removing these off my credit report as when I explained to them these inquiries weren't mine, I was simply told there is nothing that Transunion can do about this and that it is out of their hands.

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 2024-02-16 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: Self Financial Inc.
State: MS

Complaint narrative:
I have a late payment on my credit report that is inaccurate I sent letters out to the credit bureaus concerning this inaccurate information. They refuse to update the late payment. The only late payment is showing on XXXX the other XXXX  and XXXX does not report the payment late. 

Self lender institution reported on { XX/XX/XXXXXXXX XXXX XXXX } your company furnished a transaction as Late to XXXX. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Spoke with XXXX XXXX on several occasions and requested remittance process for payments and 1099 C for Debt Cancellation. I continue to receive letters from there collection department refusing request to discharge debt. XX/XX/2024 received letter continue request for payment.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-16 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: Altisource Portfolio Solutions, S.à r.l.
State: OK

Complaint narrative:
I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am writing to address a matter of utmost concern to COMENITYBANK/KAY regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that COMENITYBANK/KAY conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.

Company response to consumer: Closed with monetary relief