vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My balance was holded for 180days and I received an email for withdraw my money but I cant transfer my balance. Im having problems with adding my card to PayPal. I contacted my bank and they said there is no problem with my bank. I need help with adding my bank account to PayPal. Please let me know which problem that my PayPal account is having and how can I fix or update and verify all of that information so that I can withdraw my money. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX ( Attach XXXX ) I reported to Experian that they were possibly violating 15 USC 1681, in that they were not timely recording my credit payments ( delaying the recording of some of my credit payments for 6 or more weeks ). For example, on XX/XX/XXXX I told Experian that they did not update my XX/XX/XXXX XXXX line of credit payment, which I paid in full on XX/XX/XXXX XXXX Attach 4, see entry for XXXX, {$300.00}, XX/XX/XXXX XXXX. 

I also reported that I believed they were untimely recording my credit card indebtedness ( disregarding the grace period credit card companies provide for new charges ). As, I believe, Experian weighs ( and reevaluates ) my FICO score based on my overall credit usage, I explained that these issues negatively affected my overall credit usage, which negatively affects my Experian FICO score ( Attach 2, Experian, XXXX, XXXX  scores ). As such, I felt my Experian FICO score is being unfairly calculated and suppressed. 

On XX/XX/XXXX, while Experian is still investigating my complaint, I noticed Experian lowered my FICO score again by 11 points although my overall credit usage is the same as it was on XX/XX/XXXX, the date I alerted Experian of their possible violation of the Fair Credit Reporting Act ( Attach 3, shows the same overall credit usage percentage as in Attach 4 ). 

Generally, and as an XXXX American woman with EXCEPTIONAL payment history, I do not understand why my Experian FICO score is so volatile. From month to month my credit score can drop 9 or more points when my credit usage increases by 1 point ( or more recently, when my credit usage percentage hasnt increased at all ) ( Compare Attach 5 to Attach 6, and Attach 3 to Attach 4 ). Contrary, when my credit usage decreases, Experian does not comparatively increase my FICO score.

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 2021-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/2021 there was 8 transactions that was return in fund XXXX claimed in the receipts. Getting ready to pay team instead of trying doing a new claim that is how to put a XX/XX/XXXX on my transactions which calls me not to be eligible which they do what it was doing they sabotaged my chance and get a provisional credit knowing that I was well enough eligible to be credit.I called time about this XXXX which they knew they made I called and called they hung up in my face said it was something that he can do about it and I would like how King y'all say that when y'all the one that forcefully put my charges on the old claim that was totally different XX/XX/XXXX which was a Friday I called it's supposed to representative they corrected the issue in the dispute team department and told me that I would get a email and a provisional credit on the XXXX which is XXXXi call again on the XXXX to VERIFY THE NEW CORRECTIONS TOLD ME THAT NOTHING DIDN'T CORRECT IT I'M NOT ELIGIBLE AND I FEEL TOTALLY SABOTAGE .AS A XXXX MAN IM USE TO BEING TREATED THIIS WAY AND IM TIRED OF FULL NOT CORRECT IN THESE PREJUDICE SABOTAGE BEHAVIOR ENOUGH IS ENOUGH!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX202I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. I also informed in my letter that I was impacted by the XXXX  Data Breach ; and may have got into the wrong hands. I have not received a response yet. The Law states that a failure to investigate these items within 30 days items must be removed immediately. It has been well over 45 days and I demand that these inaccurate items be removed/deleted immediately, or I will file litigation.

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 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
I had several visits regarding a XXXX XXXX XXXX. I made monthly payments The oldest amount due XXXX was sent to collections despite my making monthly payments. I told the collection agency immediately that I would only communicate with the original creditor. I continued to make monthly payments until account was paid in full.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2020 my bank account was hacked at XXXX XXXX XXXX Even though I have never done large transactions in my life. The bank failed to noticed that in that month over {$10000.00} dollars was removed without my consent and knowledge. I tried calling the fraud department and the told me since my name was used, they assumed it was me. No restriction was put no call was made to me to see if indeed it was me making those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I went to to use my card the other day and I believe Immy account has been hacked or something I used my debit card at the atm and someone else name popped up

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 2021-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: NY

Complaint narrative:
This loan was reinstated to AES on XX/XX/XXXX. The agreement was for me to resume payments starting XX/XX/XXXX. My balance on loan was XXXX AES block me from being able to login to my account. They reported to dept of education that I was delinquent on my account for 60 days in XX/XX/XXXX. XXXX said my account was reinstated on XX/XX/XXXX, XXXX AES accrued interest on this loan since XXXX XXXX AES refused to send any information via USPS. By the time I could login to my account the balance was thousands of dollars more then the starting point that it was supposed to be. I have contacted them with no results. With covid-19 the NY attorney general 's office was not able to help me as they did before. I contacted FSA ombudsman. They were trying to get information from AES for months. AES said too much accrued interest was added on to my balance & they could not do anything. AES withheld information from me from the start. This XXXX parent loan in the amount of XXXX is now over XXXX and rising. AES has made it impossible for me to afford payments on this loan. The agreed amount was to resume at XXXX AES manipulated this loan behind the scenes without my knowledge. Now it's out of control & now I can not afford payments. This has been a nightmare for me trying to get answers from AES. AES purposely mislead me so they could accrue interest on this loan. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
On XX/XX/2015, I was in my XXXX  year of college when I was XXXX XXXX  and taken to the hospital. Most of my time there was a blur as I was very injured and drunk, but an advocate from the local XXXX crisis center as well as my mother were with me. I was given a XXXX kit but told that I wouldnt have to pay for anything because care for XXXX XXXX  victims is covered by the DOJ. 

In the years that followed I never once received any sort of bill from this visit or a notification to on that anyone was attempting to collect a debt. I only learned of the collection when, at age XXXX, I tried to apply for my first credit card and saw the collection already on my credit report. 

I attempted to contact the owner of the debt, XXXX XXXX XXXX at XXXX more than once to dispute this debt and to ask for proof of services rendered. I was never given any and told that I would have to get it from the hospital. When I contact the hospital I was told that since they sold the debt to a collection agency they too dont have any record of it. 

This debt has been negatively impacting my financial health for years without my knowledge, and to date nobody can even offer proof that I owe it, other than to say that my name is associated with the account. 

I am being constantly hurt and reminded of the worst day of my life by this predatory debt and am seeking recourse and want to find a way to permanently solve this very distressing situation.

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 2021-01-24 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: MD

Complaint narrative:
I have tried to get unauthorized inquiries off my credit report file with TransUnion. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. TransUnion sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and TransUnion allowed these inquiries to be placed on my credit file with my knowledge or authorization.

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 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Fraudulent unauthorized withdrawal from my XXXX SC Bank of America checking account. this withdrawal accord in a Bank of America Branch located in XXXX XXXX address is XXXX XXXX  XXXX SE XXXX. The withdrawal amount was {$500.00}. 

I live in XXXX SC XXXX my phone number is XXXX and my email address is 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 2021-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
Refinancing with freedom mortgage. I experienced financial difficulties due to the pandemic. I talked to several freedom mortgage financing officers during the months of XX/XX/XXXX through XX/XX/XXXX. The workers are very unknowledgeable about the refinance process. I was given incorrect information each time I called. I co own my house. The other party had not experienced financial difficulties and was willing to remove me from the loan. Again, after talking to several loan officers from freedom mortgage, I was told that the streamline refinance would be the best option but I wouldnt be able to be remove myself during the process. The calls should be recorded and their employees need retraining. I was stuck in a tough situation and didnt see the light at the end of the tunnel with no help from freedom mortgage. I decided to enter the covid relief forbearance in XXXX of XXXX. I thought I would be able to pay at the end of the forbearance. Freedom mortgage sent me several letters by certified mail telling me I was late on my payments. The notices were terrifying and caused me to sell personal items to make the payments. I was terrified of what they would tell me after the forbearance. They reported to the credit agencies that my payment were on time but my payments had increased. ( Not sure if it was because of the interest accumulating ) This caused a decrease in my credit score. During the covid forbearance XXXX XX/XX/XXXX XXXX the co borrower tried to refinance and remove me from the loan but the application was denied. She was told that she couldnt refinance because payments were late during the months we were in forbearance. We were told to wait 6 months. I have a FHA loan through freedom mortgage. I feel this is so unfair. We tried to refinance before entering the forbearance but was given incorrect information by their representatives. Does the Cares act not protect consumers when it comes to refinancing and late payments during a forbearance? We were never late with a payment before entering the forbearance. Why woulda payment be considered late during a FORBEARANCE?

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 2021-01-24 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: MD

Complaint narrative:
I have tried to get unauthorized inquiries off my credit report file with Equifax. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. Equifax sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and Equifax allowed these inquiries to be placed on my credit file with my knowledge or authorization. I have not put in an application for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
The car was totaled in the year of 2015 it still being reported on the 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 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter XXXX. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This debt was dismissed two years ago by the Department of Education because the school was determined to have used unfair enrollment practices by promising job placement. In addition, I graduated from this college in XXXX of 2012. The debt is more than the federal statute of 7 years old. XXXX  overzealous debt collection agency changed the date of the debt and added it to all three of my credit bureaus. Attempts to communicate with the collection agency was unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the credit bureaus has ignored my request that my privacy has been breached under 15 USC 1681a ( 2 ) ( B ). They do not have my written consent or verbal consent to have my information on their website and that they have failed to comply to my " Affidavit of Truth '' with their own Affidavit, since they have failed to answer my affidavit with their own affidavit point by point my " Affidavit of Truth '' stands as truth, and that an affidavit can only be answered by an affidavit. I am asking that they delete all information that are in violation of my rights as a federally Protected consumer under title 15 chapter 41. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation