vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy XXXX? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a Debit Collection Agency. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX Bank was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXX XXXX predatory loan service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Complaint # 1 - I started contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO. XXXX on or about XX/XX/XXXX when XXXX XXXX XXXX  transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a XXXX XXXX XXXX. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXX XXXX  was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.

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 2023-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
We spoke to PenFed employees prior to and during the HELOC mortgage process and were promised that the initial loan amount we were taking out would be locked at our 4 % rate with any future loans to be at prime + .5 %. We ONLY went through with the loan process after being assured that the loan we were taking out was not at the variable rate. We had no intention of future loans, so this product worked for our needs.

PenFed is supposed to record calls, and we had multiple calls on this subject with them.

After several months of the 4 % rate, PENFED changed the rate on that initial loan to variable, which is currently 8 % + .5 %. I have contacted every person we worked with, but they will not response. Those people are XXXX XXXX, Mortgage Loan Processor, XXXX XXXX and XXXX XXXX. 
I spoke with a random member of the staff one week ago and was promised a call back, and havent had any contact. 
I believe that they have acted in bad faith with predatory business practices.

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 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Advised to the company that this debt does not belong to me. I have asked for documentation showing that this debt is mine along with signed documents by me proving this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a television from Walmart.com on XXXX XXXX for {$4600.00}, using PayPal Credit. 
Since the product was not delivered on time even after 20 days and as there was no communication from Walmart.com and the Seller XXXXXXXX XXXX  about delays and new updated delivery date, I cancelled the order. 
The seller agreed to refund me {$4300.00} keeping shipping expenses and thus Walmart.com refunded {$4300.00} on XX/XX/XXXX, to my PayPal Credit account ( Transaction ID : XXXX, screenshot attached ). 
I also thus never received the Television. 
I also promptly paid the balance of {$350.00} to my PayPal Credit account on XXXX XXXX, expecting a {$0.00} balance on my PayPal Credit account due to this transaction. 

I had also filed a dispute with PayPal Credit that the seller was wrong to deduct {$350.00} since they did not deliver the product when they promised even after many days ( more than 2 weeks ) and not communicated to me about the delivery new date. 

But for some reason, PayPal Credit returned the entire refunded amount of {$4300.00} to WALMART.COM and charged Re charged my account for the full {$4600.00}. 

I also made a balance payment of {$43.00} on XX/XX/XXXX for the XXXX XXXX on my account. 

I have called PayPal Credit multiple times and their Customer Service representative noted the whole scenario and filed a dispute for me but no action has been taken by them. 

So now I am in a situation, where I dont have the Product and I have a Current balance on my PayPal Credit account. 

I have attached my original purchase and the refund transaction screenshot to my PayPal Credit account. 

Thanks Sincerely, 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 monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This company is violating my privacy under the Privacy Act of 1974. It is illegal to report transaction history. They are also in violation of FERPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been using Paypal.com since 2019 for my XXXX XXXX XXXX which I have 100s of subscribers. 

They even gave me a working XXXX XXXX  which I never defaulted on and paid in full. 

XXXX XXXX XXXX XXXXs a Monthly Beauty Subscription Box. People pay on the XXXX of the month, then we use our money in PayPal to buy stamp, and ship their inventory. I have several customers maybe half my customers pay through PayPal and are on automatic billing through XXXX 

Recently, PayPal only pgave me access to $ XXXX of my generated revenue. When I called in, they told me well you as a XXXX XXXX should be looking for other capital to run your business as they held my money for 21 days. 

I stuck it out as I didn't know how to move my XXXX maybe XXXX customers to another payment processor. Recently, they then cut my money that I can receive from my earned money to {$300.00}. 

I emailed them asking why? After I've been assured that once they have more information my limit of accessing my own funds can increase. 

They informed me I had 5 disputes. 3 of the 5 disputes are a person outside the USA and we asked her to cancel her subscription as we can no longer ship international. She wanted to hold on to her subscription because she loved her boxes. However, shipping rates have increased we fully refunded her. 1 of the disputes had 1 color of her eyeshadow palette break in shipping. We asked her to return our box for a full refund which we did. Our box is $ XXXX for 5 to 7 Full size beauty products so 1 color in her eyeshadow breaking during shipping was out of our control. 

I tried to call PayPal and explain my business model and they claimed to understand and sent it to their back office for further review. 

I also had a XXXX account for my makeup line which they said I had unhappy customers. They asked me to upload tracking and when I did it wouldn't accept it. So I moved on and removed PayPal from my website as it wasn't a big deal 1 or 2 customers using PayPal VS 100s a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent dispute letters to you regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know you did nothing regarding my concern. In accordance with 15 U.S. Code 1681i ( 6 ) ( A ), I, the consumer in fact has the right to demand compliance within 15 days for the results of a investigation via written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
This debt collection is in an attempt to collect payment for phone service contracts in the amount of {$430.00}. These phones including phone service contracts were transfer from my XXXX account to my mother 's account. The transfer began and I received notification from XXXX on XX/XX/2022. Once the transfer was complete, I received notification from XXXX on XX/XX/XXXX. My mother received her first phone bill from XXXX for all 4 phones transferred shortly after. I paid off my remaining balance and left the the company XX/XX/2022. Note, XXXX will not let you unlock and transfer a phone number if you owe a balance. I transfers all services in ownership of my mother and paid off any remaining balance. I did not owe a balance. I began receiving notification about the balance in XX/XX/2022, and it continued until I began receiving notification for from a collection agency in XXXX. I disputed the debt with both XXXX and The collection agency, Receivables Performance. This balance is for phones still in contract with XXXX and still using their phone services under my mother 's name. In addition to it already being sent to collection, according to the letter, I would pay them a portion of the balance and the rest will remain as a bill with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
First Progress Platinum Mastercard XXXX XXXX XXXX are issued by Synovus Bank, XXXX, GA, member FDIC - - I've had a secured credit card with them since at least XX/XX/XXXX - with a {$2000.00} deposit - On XX/XX/XXXX I contacted the company about closing the account. They stated they will issue a check for the credit balance on the account- {$1900.00} and mail it to me. Today, XX/XX/XXXX, I am yet to receive a check so I contacted them and now they are stating that they will issue a check by XX/XX/XXXX, XXXX weeks after account closing. I feel that is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am banking with XXXX XXXX XXXX, this Credit Union merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

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 2023-02-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am banking with XXXX XXXX XXXX, this XXXX XXXX merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am banking with XXXX XXXX XXXX, this XXXX XXXX merge with XXXX who I did my refinance with back in XXXX. I have never had any issues from my loan due to it came from my checking monthly for the due date. Back in XX/XX/XXXX I had a payment that did not come out due to myself having a family emergency with my father having a XXXX, made my payment on the XXXX of XXXX and did not realize I had left XXXX cent not paid. I never received any info by mail about the XXXX left over. In XXXX I called about why I was seeing a late fee after my payment was made from my checking, no-one could tell me what was going on, asked for a call back from a manger, never heard back. Forward to current I received a call in XX/XX/XXXX advising I was delinquent. I asked how? I also could not understand when my payments have been going down each month. It took me XXXX calls in to speak to a young man who advise me that in XXXX I did not fulfill my obligations to my loan, I then was online going through my transactions and seen it was XXXX cent that was not paid, Rep refuse to remove. I asked for leadership to call received a call later that day with a manager that did not look into anything and had no info and advise me she would look into how the notifications are sent. I advise her I did not receive any notifications at all said she will call. 
me back, yet to hear back from leadership. As of today, XX/XX/XXXX just received a notice that it is delinquent with all the late fee 's but nothing where the late fees came from. This has affected my credit by XXXX XXXX XXXX reporting. This has yet to be resolved. I have never been late with my payments and for this XXXX cent issue to not be resolved and having it affect me is mentally and stressful.

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