vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Long term user of a Paypal account and Business Debit Card. Recently, my son paid his rent to our family via " friends and family '' of {$500.00} on XX/XX/2022. The money came into my Paypal account minus a fee of {$14.00}. I immediately refunded the {$500.00} payment to him which should have reversed the transaction and the Paypal fee of {$14.00}. 

Instead, they took {$500.00} from my corporate bank account to pay back my son and that took 10 days for him to get the money back into his bank account. 

I have spent over XXXX hours trying to get this fee refunded. 4 days ago, a Paypal representative said he would refund it. He lied, no such credit back to my debit Paypal account or bank took place. 

Today, I called again, after all, messaging for 12 days resulted in nobody at the other end responding. ( a joke and probably intentional so people give up ) I don't give up, ever. I warned Paypal I would turn them in today since the phone chat went badly and the supervisor on the line said the policy changed the day the transaction took place which was XX/XX/XXXX. She said no more friends and family will be allowed at XXXX fee " into '' a business account. 

She lied. I am attaching the email document that clearly states this policy was to be implemented in the future, which is XX/XX/2022! 

I think companies that lie openly need to be investigated by a major audit of all transactions when they are fraudulently taking hard-earned money in illegal fees and doing so against state lines. 

I encourage you to personally investigate them on a wide basis to uncover other transactions similar to mine in fraudulent activity and illegal fees taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The list of inquiries were inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the inquiries listed below : INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payment on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX Balance Owed : {$170.00}

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 2022-07-12 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: NC

Complaint narrative:
Department of Education XXXX XXXX : I am no longer connected with XXXX, for the loan has been transferred to XXXX XXXX XXXX. Also, I would like the Department of EducationXXXX removed from all my credit reports. It shows negative/Late payment, yet my student loans have been either in deferment and/or forbearance since acquired. 

Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have requested to de-escrow my mortgage. PHH Mortgage is my mortgage holder. They have consistently failed to make the necessary tax and insurance payments, and are over-withholding amounts. I am very careful with my bills and do not appreciate PHH provided me with instructions on how to de-escrow the account. I followed the instructions in XXXX of XXXX and weeks later received a letter that the next disbursement was too close so they could not de-escrow and I would have to re-apply in XXXX. I re-applied in XXXX and within 2 weeks received a letter with a form to be filled out and emailed back to PHH. This was completed on XX/XX/XXXX. It is not XX/XX/XXXX, and I have not received my escrow disbursement. I called in, and PHH claims to have no history of any application to de-escrow. I am now being told that because a tax payment is due in two weeks that I will have to start the process over again in XXXX. 

As a consumer, I should not have to spend countless hours on the phone with customer service representatives in XXXX who are unable to provide any assistance. I live XXXX minutes from PHH 's " office '' in XXXX XXXX, NJ where their apparent headquarters is located and have offered to come into the office to sit down with a representative from PHH to resolve the matter, but am told I have to call the customer service line.

I am unable to get this resolved directly with PHH and am requesting assistance from the CFPB. 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I first opened my ( secured ) Capital One XXXX card in 2019 with a {$200.00} limit. About two years ago I called and asked to raise the limit by depositing more money, which was not allowed more than 30 days after opening the account. I recently learned that Capital One will 'graduate ' a secured card into an unsecured card after 6-12 months and good payment history. This would allow me to gradually get credit line increases, since a secured card can not be increased. I have had the card for nearly 4 years and have a perfect payment history, but when I called Capital One to request that the card be upgraded to an unsecured card, my request was denied and I was instead told to keep making on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is in response to compliant XXXX for CFPB. I have submitted a fax to XXXX with the front and back of my social security card.You should be able to verify as of now. If not I can send additional information. The soft inquires that I am concerned about dates are from XXXX through XXXX. I think I have been a victim of fraud or identity theft. As you look over my file you will see I've disputed serveral of these items month after month. However, XXXX refuse to investigate and or remove these items. I have multiple disputes filed with XXXX with no avail. I have called several times as well about these items and still the same response. Now, I am receiving dna information from a company called XXXX to my email address but the name attached isn't my name. I also had a hard inquiry from XXXX XXXX in New York. Along with a po box and a physical address both in New York. I have never been to New York nor have I lived there. I am a nurse so there's no need for restaurant equipment. There are hundreds of soft inquires that I didn't do. There are so many there I can't list them all. Please help me and thanks.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
To start this debt should not of happened and had no real material value to the debt. At one time I had a good relationship with XXXX XXXX but they soured this through several acts of disservice. 

A fraudulent charge came into an account that I had at XXXX XXXX XXXX XXXX. This was after I had asked for the account to be closed. This charge was not PAID. Instead they charged an overdraft for a declined transaction. They then proceeded to keep overdrafting the account till it hit a time limit and they closed it out. ALL of this after I had closed the account. 

Years later I find this on my credit report. I tried to work with XXXX XXXX on this issue but they refused and pointed us to XXXX XXXX XXXX Since the amount was small ( XXXX ) we decided to just pay it and try to move on XXXX. However XXXX XXXX keeps updating this as an open collection with an updaid amount showing as a charge off every month even though we already paid it. We have tried to work with XXXX XXXX to close this out as they said they would but they are now refusing saying that the collection agency and only them can update them. They refuse to call or get any validation that this is paid and instead KEEP damaging my credit rating. We have disputed this information with the credit bureaus even attaching our receipt from XXXX XXXX XXXX but comes back as validated from XXXX XXXX XXXX XXXX. I am suffering real damages because this is effecting me buying a house for my family. I can not open an account with another credit union either because of this false claim. 

XXXX XXXX XXXX XXXX has been rude and not helpful at all. It seems the agents want to cause harm to people.

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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXXk XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an 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 2022-07-12 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Co 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 15 U.S.C 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 2022-07-12 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:
I noticed recently that the Three credit reporting agencies show a new collection account XXXX XXXX XXXX XXXX XXXX the shows me delinquent on a XXXX XXXX XXXX card in the amount of {$250.00}. Ive never had a XXXX XXXX XXXX XXXX I've called XXXX XXXX XXXX and spoke with a representative and they agreed it's my name however not my address, ss # or any other of the information they could verify and said they would fix the issue. I wrote to them also, and just can't get anywhere with these folks. Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: IL

Complaint narrative:
In XXXX, 2022 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item with XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX could NOT verify this item so they deleted it from their database. 

I then went back to Equifax XXXX, 2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a homeland causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I need a payment history showing a running balance and payments made from when I opened the account until now. I paid this account off in XX/XX/XXXX in the amount of XXXX and there is a balance and now fees due. I need a running balance history with payments to resolve this. Plus they have not followed any of the Reg F guidelines on my account. I have been working with them since XXXX of XXXX and getting no where. I feel like I need an attorney or small claims court. Just provide me with the running daily balance and payments I made to verify this amount owed.If it's mine I will pay it asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a payment to pay off my credit card balance on XX/XX/2022. When I logged on to make the payment, several payment types were offered to me. I chose a payment type that was displayed as " express processing ''. The amount of my payment was immediately deducted from my available checking account balance. I logged out and back in to the creditor 's website several times and showed no indication of a pending payment or payment made. I waited XXXX hours and called the creditor on XX/XX/XXXX to question why my payment wasn't at least showing 'pending '. The operator put me on hold several times over the course of XXXX hours and finally 'found ' the payment. The creditor sent me an email on XX/XX/2022 showing a payment posted date of XX/XX/2022. Today, on XX/XX/XXXX, I still do not have access to the available credit, but the creditor is showing FULL, not pending, application of the payment as of XX/XX/2022. I called the creditor to find out what is going on and they are telling me it will not be until XX/XX/2022 that I will have access to use my card. Today and tomorrow are the days I want to use the card, as it is specifically an Amazon Prime Card- and today and tomorrow are the once annual " XXXX XXXX XXXX ''. I asked the creditor over the phone if they will be paying me interest while holding on to my money. They indicated they will not be. I think their practices are deceptive and unfair. I made the so-called 'express payment ' a full week before I needed it, so it should be available.

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 2022-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a violation of my Hipaa Law Right they recieve my Personal medical information and claim they work with the XXXX XXXX  attach is the letter along with the information they received from the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2022-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation