vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX - XXXX - XX/XX/2023 - Subject : Urgent Request for Fast Investigation and Refund of {$130.00} Dear PayPal Customer Support, I am writing to urgently request your assistance in investigating and refunding the {$130.00} payment I sent to XXXX XXXX ( PayPal username XXXX ), who has proven to be a scammer. Despite multiple attempts to contact him through email and phone, he has become unresponsive and has blocked me on all platforms. This incident has left me defrauded and without the XXXX XXXX XXXX XXXX, named XXXX, that I was supposed to pick up after the payment. 

I have already taken the necessary precaution of activating PayPal 's payment protection at the time of the transaction. However, given the circumstances, waiting for three weeks to resolve this issue through the seller 's " amicable way '' seems impractical and unlikely to yield a positive outcome. It is evident that XXXX XXXX has intentionally deceived me, and his lack of communication and deliberate blocking of my attempts to reach him further support this conclusion. 

Considering these factors, I kindly request an immediate investigation into this matter and a prompt refund of the {$130.00} to my PayPal account. I believe that the evidence presented clearly demonstrates fraudulent activity on the part of the seller, and I trust that PayPal 's commitment to customer protection will be upheld in this case. 

Should PayPal fail to address this issue promptly and refund the funds in question, I will be left with no alternative but to contact XXXX XXXX my issuing credit card bank, and initiate a chargeback to retrieve the funds. However, I strongly believe that PayPal 's intervention and resolution would be the most efficient and desirable outcome for all parties involved. 

I have attached all relevant documentation, including screenshots of our communication attempts, transaction details, and any other evidence that may assist in the investigation. Please let me know if there is any additional information required from my end to expedite this process. 

Thank you for your immediate attention to this matter. I trust in PayPal 's commitment to customer satisfaction and look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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: 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 Account 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 2023-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: IN

Complaint narrative:
I am having trouble with XXXX XXXX XXXX servicer. It recently transferred from XXXX to Launch Servicing. In early XXXX I sent in my XXXX tax information for reconciliation for them to update my payment. They then claimed I owe over {$5000.00} in reconciliation and it was due immediately. The amount for that reconciliation does not make sense what so ever. I was in deferment through XX/XX/XXXX according to XXXX. I have email proof of XXXX telling me that. In the XXXX it states that deferment period will just be added on to the end of the time. There was under {$100.00} difference a month from what I was paying to what the reconciled income is. And that should have been from XXXX through XX/XX/XXXX. 

My first phone call with them was the last week of XXXX. The person was not able to help me other than saying a supervisor would review it. I then messaged them on XX/XX/XXXX. I shared with them my concerns about the reconciliation and also how when I used the numbers they provided to calculate my payment it appeared they were overcharging me. They never responded to that message. 

I then called again on XXXX and was told that my account was being reviewed and that a supervisor would be calling me in a few days. I never received that call, and I was never sent a message. I then messaged them on XX/XX/XXXX asking about what was going on. I did not receive a response until the XX/XX/XXXX and all it said was that updated proof of income would be required no matter the outcome. They have my updated income from my tax documents. As of today, XX/XX/XXXX, I still have not heard from a supervisor. I continue to receive delinquent payment letters. I had two " spam '' calls over the past two weeks, that after I looked up the number, I realized it was Launch. I assume it was just automated telling me about the delinquency because no messages were left. 

Overall this XXXX XXXX program was misleading and promoted totally differently that what it actually was. I understand the obligation to the payments I must make, but I need to have this reconciliation thing figured out. Launch Servicing appears to me in no rush to assist me and is more than willing to just sent me delinquency letters and tank my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: NC

Complaint narrative:
I previously filed a complaint with this company due to never receiving my order and my account being restricted due to unpaid balance. Company credited my account and removed restrictions as stated in previous complaint and confirmed that I owed no balance and this was on XX/XX/2023. 

On XX/XX/2023 I received a COLLECTION notice and document from debt collector which is also attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Due to the death of my father the borrower from XXXX he was unable to meet his obligations to the mortgage company. We have tried relentlessly to resolve any issues with the lender. The extreme amount of stress has been overwhelming for myself and my family. Probate took a very prolonged period of time and when finally completed the lender set to auction our home without letting us explore any resolutions to retain our home. When we were given the opportunity due to the DOB delaying the sale we got everything together and began working with a HUD counselor. From XXXX XXXX it has been a complete nightmare. 
I have sent in all required documentation that has been requested on multiple dates through email, fax and with a HUD counselor. 
I am continually told they Dont have all documentation requested, I have evidence to the fact that they in fact do. 
A complete modification package was sent on XX/XX/2023 they have not even reviewed it. Carrington did receive it and it was confirmed. They plan to Auction our home on XXXX XXXX On every day this week starting Monday XX/XX/2023 I was told by representatives that they will escalate this to a supervisor and call back, send documents again and again Fax-email but then they tell me the case is closed. 
No one has an answer or updates just that there sorry it will have to be escalated to a supervisor. 
There are 5 of us in the home and we have been trying to resolve this but are getting no where and Carrington Mortgage refuses to work with us, we just keep getting fed a line. 
All we want is to resolve this and move forward. 
We would like very much to remain in our home and work with the lender but it seems hopeless as the right and left hands do not seem to be working with this company. Today I was told send documents again? If they are not willing to postpone the Auction and give us a fair review for modification, its confusing to have a representative say send them again. She will escalate to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: LA

Complaint narrative:
This company had my account listed as in bankruptcy. I have since been trying to get someone to speak to me after multiple unsuccessful attempts over a few weeks I finally got someone to speak to me in reference to my account,. I contacted my old bankruptcy attorney to get proof that I was not I bankruptcy and that my home wasn't included. This company has been reporting my account late to the bureaus even though it has been paid on time. I was told by a representative that they were adding bankruptcy charges to my account and she processed to to be removed immediately. I was also advised that my monthly payments have been sitting in an unapplied funds account and not being credited to my account. I was told that due to the overpayment for the erroneous bankruptcy overages and charges to mortgage that my payment due for XXXX was {$170.00}. As it stands my account is standing 28 days past due even though my mortgage was paid on XX/XX/2023. Everyone I speak to advises they can see the notes and that the credit is to be applied to my account but nothing has be done and everyone says it will be done that day and it has been over a period of 3 weeks at this point. I have emailed the cashiering department since every representative states the issue is with them and nothing has occurred. I have requested to speak to a supervisor on several instances and was always told none was available. No one is wanting to rectify this situation and I have seemed to exhaust every option. I have been having issues with this account since BSI Financial has taken over and reporting my account as late to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX 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 2023-06-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX  XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to XXXX me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including Banco Popular de Puerto Rico, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with Banco Popular in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and transunion fail for provide factual documents about these accounts : XXXX XXXX and 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 2023-06-29 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: WI

Complaint narrative:
Account number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-06-29 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: Experian Information Solutions Inc.
State: TX

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 : Untitled Account Number:XXXX Account Name : XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXXXXXX 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 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
On XX/XX/2023 I received an email from Netcredit stating that the loan that I applied recently was not approved. I immediately contacted Netcredit and spoke with a representative by the name of XXXX. She stated that the only way that I can have this fraudulent information removed from my credit report was to get a police report. 

I don't feel that I need a police report because I verified all my information with Netcredit that I did not apply for a loan. I also stated to the representative that I would be reaching out to the Consumer Credit agency and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation