vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PAYPAL " XXXX XXXX XXXX  '' offer. Purchase : XXXX. Item : XXXXXXXX XXXX XXXX. Total Amount charged : {$110.00}. 
Item was purchased on XXXX through Paypal which is authorized to charge a XXXX credit card. 
The item was not received. 
The USPS has verified nonreceipt in writing. 
Paypal continues to harass me for payment and demand USPS proof of nondelivery while making it impossible for me to provide such proof. 
Paypal 's method of online providing of proof will not work on my computer. 
Paypal refuses to provide a postal mailing address so I can provide proof. 
Paypal refuses to refund amounts wrongfully charged to me because it does not have the proof it has made impossible to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have applied for a credit limit increase on my existing credit card account several times and NEVER receive a response. I have called to follow up and been told that a " letter '' was sent to my confirmed address on file and no one can tell me what the letter states or why my request is being denied. I DO NOT RECEIVE THESE LETTERS. At this point I am left to believe I am being discriminated against and not given the same opportunities as the rest of the members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I made payments last month and the lady said they didn't come through on time because it was after XXXX XXXX, cool. I take that, I then make an early payment in which she stated that it was too early to count towards the next months bill so I ws once again charged a late fee the following month because she said the payment didn't go towards this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I own a condo in XXXX XXXX, FL and Pennymac holds the conventional, 30-year mortgage on this property. As part of my mortgage payment, Pennymac pays my real estate taxes for {$2100.00} per year and the condo insurance for {$1200.00} per year. XXXX insurance is for the contents of the property are paid directly by me to XXXX for {$480.00} per year with a portion of the insurance on the structure paid indirectly through my condo association fees. 

Pennymac completed an escrow analysis on the property which resulted in a 50 % increase in my monthly payment. When I was able to speak with them, which occurred after a collection call and a threat to report me to the credit bureaus, I was told that the substantial increase was due to them adding cost for flood insurance at an annual rate of {$2000.00} per year. When I asked them why I would be charged for an insurance policy that Pennymac does not make payment for, I was given the runaround and essentially told that this was somehow my doing. 

They have finally agreed to remove this amount from my escrow account, but are still holding me liable for these costs for XX/XX/2023 and XX/XX/2023. They will not remove these charges from my account. I am being forced to lay out an additional monies that I do not have readily available to ensure my credit score is not damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I refinanced my mortgage XX/XX/2021 and I was supposed to receive 3 checks totaling {$5300.00} but for the past year I have been calling Cardinal to check on the status of the checks and I was told numerous times that the checks are " on the way '' but have not received anything thus far. 
At this point I feel that I am in titled to the checks plus compensation for the misleading information told repeatedly by customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TN

Complaint narrative:
I sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from XXXX XXXX XXXX for {$430.00}. It claims the account was opened in XXXXXXXX XXXX XXXXXXXX however through XXXX XXXX I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to XXXX XXXX XXXX today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-01 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. The following accounts have been reported as late payments, charge offs, or collections : XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX  XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe that these items are inaccurate and/or unverifiable. I request that these items be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I would like to remind you that it is your legal obligation to investigate and correct any inaccuracies on my credit report. According to the FCRA, you have 30 days from the date of receipt of this letter to complete your investigation and respond to my dispute. If you fail to respond within this timeframe, I will consider the disputed items to be inaccurate and request that they be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
yesterday XX/XX/23 at XXXX i am trying to coordinate with the agent/representative, that i can only able to pay {$150.00}, but they said they can not accept. It was the agent from XXXX XXXX XXXX XXXX who made a mistake, because i cancelled the policy way back XXXX, but no one did it. So they charged us a month bill which we have an active auto insurance with the other company. And today XX/XX/23 i called up by XXXX I spoke with XXXX and I am willing to pay instead of {$150.00}, i can only afford to pay even {$100.00}, but they don't want to accept it, she told me that the amount they can accept is {$390.00}, I can not afford that amount, we have already issues to pay our mortgage due to unemployment/XXXX  with my spouse and family got covid too. But they don't listen to me. They want to collect which i'm not liable to pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Multiple payments tenderd to company, instruments not returned and payments werent applied.

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 2023-03-01 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: MO

Complaint narrative:
XXXX, XXXX, and Equifax agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, XXXX, and Equifax is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: MO

Complaint narrative:
Experian, XXXX, and XXXX agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

XXXX, Closed Account that has been furnishing false and misleading information to Experian, XXXX, and XXXX is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: MO

Complaint narrative:
on XXXX XXXX mty income taxes and paycheck hit my chime account.. I received a email stating that I won XXXX dollar once I click on the email it link the hacker to my account with the began to change my phone number and email address which completely locked me out my account. I called chime stating that Im locked out my account and my email and phone number was changed. She began to send me a code which I was able to get back in the account then I got locked back out so I had to repeat the process I finally got into my account and changed my email and phone back to what it original was at the beginning. I seen that the hacker made two transfer and two payment one to a XXXX  account of XXXXXXXX XXXX XXXX account for XXXX and XXXX They made two payment of XXXX and XXXX to a usps po that was made in XXXX, Ma. Chime refused to pay my money of XXXX back due to they consider they not concerned unauthorized transactions.. Now I don't have a debit card and I cant use my account at all my debit card will not allow me any tracstions. Now they are closing my account as of XX/XX/2023 without give reasonable information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of several accounts that have been reported on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Collection Account US BKPT CT FL XXXX XXXX U.S. Bankruptcy Court XXXX I believe that the reporting of these accounts is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FCRA, all information reported on my credit report must be accurate, complete, and verifiable. I have reason to believe that the information reported on these accounts is inaccurate and incomplete. Additionally, the FDCPA requires that all debt collectors treat consumers fairly and prohibits certain practices, such as harassment and misrepresentation. I believe that the reporting of these accounts may be a violation of the FDCPA.

Therefore, I am requesting that you investigate these accounts and provide me with evidence that the reporting is accurate, complete, and verifiable. If you can not provide such evidence, I request that you remove these accounts from my credit report.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 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 explanation