vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-20 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

Complaint narrative:
I am a Paypal business account holder. I have used my PayPal account for almost 4 years now. On the XXXX of XX/XX/2020, I woke up to see Paypal permanently limited my account for no reason. I am a university XXXX studying XXXX XXXX, XXXX  and also have some family members who depend on me. I borrowed money from people to expand my virtual tradings. As I am talking, all the funds have been locked up in Paypal for 180 days. Honestly speaking I can't wait for the 180 days because if I try to wait, I will either go to jail or commit XXXX. I have an amount of {$1400.00} USD locked up. I have contacted PayPal through XXXX but the response I received wasn't encouraging. I am partially homeless now. I would happy if you can intervene to save me from this misery. I just want to die now. I am XXXX  and not as fine as I am talking. 
I want PayPal to allow me withdrawal my funds urgently or restore my account. I have never engaged in criminal activities with my account before. I use my account only for business and payment of school fees. I don't deserve to be treated like this. My Paypal account address is XXXX. Thank you My PayPal limitation Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: OH

Complaint narrative:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only phone number XXXX Any other numbers are not inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, XXXX, and Experian are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

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 2021-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
XXXX of 2019 my car was totaled and XXXX XXXX and XXXX XXXX  paid off the remainder of the balance, Chrysler still shows this on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-02-20 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: TX

Complaint narrative:
I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, Transunion, XXXX, and XXXX  are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

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 2021-02-20 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: TX

Complaint narrative:
I have written documentation from the Bankruptcy Court stating that they DO NOT report bankruptcies to any of the credit bureaus. However, XXXX, Equifax, and XXXX are illegally reporting this information which is a violation of my rights. 
I am requesting that all 3 credit bureaus provide me with an original contract ( wet ink signatures ; written proof ) that they were authorized to report a dismissed bankruptcy to my credit report. 
Without written proof, this information must be immediately deleted from my credit reports and blocked from reporting again. 
In the meantime, I will be preparing all necessary documentation to seek legal remedies against the 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: CA

Complaint narrative:
I contact Equifax with a letter XXXX of XXXX and never had a response. I called to disputed 1st week of XXXX XXXX and took info over phone. I received their response within 30 days and said the item was reported correctly. I called them again 2nd week of XXXX XXXX land told them again of the circumstances and am not responsible for this report being derogative as it wasn't my fault and if they had researched it and spoke to XXXX they would have learned that I wasn't responsible.After receiving bill I called XXXX and they said it was paid. I continued to receive bill periodically and then followed up with XXXX and they said not paid. After going back and forth I learned from XXXX that it was billed in to parts. 1 from the the XXXX dept. that showed paid and XXXX other from reading of the XXXX that was returned by XXXX to make correction to name and resubmit for payment. XXXX never did and XXXX never paid. In XXXX. of XXXX I spoke to a supervisor of the XXXX reading dept. and she looked into it and said they would notify XXXX  and stop the collection but they couldn't remove it from my credit reporting agency but could notify them to notate it was an error.. I checked with Equifax the later part of XXXX and learned it was still showing as a derogative. I contacted Equifax XXXX of XXXX XXXX regarding this matter and again explained to them that this is not my fault. I have ins. I pay and they would have paid it as I had already met my deductible. It is the fault of the billing company. They advised me to file with FTC..I need this matter corrected and reasoned from credit reporting agency as it is the only item against my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 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: NY

Complaint narrative:
I pay for XXXX  monitoring service. I have not missed a payment in over 1 year. Experian says its been 1 month since my last 30 day late payment. I went on to my experian report and reviewed every single account individually and none of them have reported a late or missed payment. They can't or won't explain this and refuse to correct this. My score dropped 54 points over night literally because of this. I've been working very hard to fix my score for the past year to qualify for a mortgage. The dropped my mortgage score down to high 400 's.

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 2021-02-20 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: CCS Financial Services, Inc.
State: OR

Complaint narrative:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CREDIT COLLECTION SERVIC ( Opened XX/XX/2017 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All the credit bureaus, XXXX, XXXX andExperian have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. Experian recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

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 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis is attempting to collect a debt from XX/XX/2019. The Practice they state the debt is from is called XXXX, XXXX. 

XXXX is no longer in business. The number they provide XXXX simply leaves forwarding information. The company where the Dr. now works has no previous records of any debt owed by me. 

Rash Curtis sent me what they claimed as verification with {$0.00} owed. 

XXXX had all my information if there were an issue and would have been paid through my insurance via XXXX XXXX XXXX and XXXX XXXX as the Dr. mentioned : XXXX XXXX was covering for my regular Dr . They worked out of the same office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: 4M Collections, LLC
State: OR

Complaint narrative:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. SOLVERITY ( Opened XX/XX/2017). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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/20 I sent a letter concerning inaccurate and unknown items on my credit report. Till date and almost 60 days later, I am yet to receive a response back from the bureaus and this is causing me distress as I feel i am being ignored while i suffer with the consequences of the negative items on my report. 

I was a victim of the XXXX breach + the IRS informed me that i was also a victim of Employment related identity theft via XXXX as someone used my SSN to obtain employment. 

I feel that these items on my report are affecting my financial worthiness and costing me alot of money every year as a result of impacting my credit score. I have also filed a complaint with the FTC and the XXXX as none of these items are mine. I demand that they be fixed asap. 
I refuse to continue waiting and being ignored. 
I demand they be removed immediately otherwise i will file litigation. FCRA Section 611 ( a ) is clear that a failure to investigate these items within 30 days requires they remove them from my report immediately. It has been 50 days. I demand that they be deleted asap please.

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 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021, I worked with a loan officer at JP Morgan and received a loan estimate of 2.625 % rate that was a match from XXXXXXXX XXXX. This was a rate with no points as confirmed by email and forwarded to XXXX broker. She confirmed they could match the rate because I was Chase Private Client and wanted me to stay with the bank. She mentioned that there was no issue with this and needed to confirm with her manager. 2 days later on XX/XX/2021, I received a call indicating that rate was not approved. They could offer me a rate of 3 % instead and asked that if I wanted the lower rate, I needed to transfer more money than the $ XXXX I already had with JPM. In the mean time, I lost the ability to lock the 2.625 % rate with XXXX XXXX  and ultimately was not able to get the rate I was quoted days before. 

This is not only infuriating but actually costs me money in the amount of $ XXXX over the life of the loan. This is incredible that the protection agency has not advocated to stop this practice. It should not take 2 days to lock a rate and if quoted a rate, this should be honored and provided in writing. There is no way for consumers to get shop if those rates take days to lock in and then they do not get approved. I lost the ability to lock in my rate with other lenders because of a direct lie from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Accounts Receivable Inc.
State: OR

Complaint narrative:
There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All the credit bureaus, Transunion, XXXX andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX  recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All the credit bureaus, XXXX Equifax andXXXX have been dropping my credit scores without any reason. No changes were made to my credit report, yet, my score is being negatively impacted. XXXX recently dropped my credit score by 4 points despite the fact that nothing changed on my report. 
After researching and speaking with my attorney, it has come to my attention that this fraudulent activity has happened to many others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to Navient by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: WA

Complaint narrative:
This account balance is incorrect. This account is currently under litigation. Please remove and delete this account from my credit report. 

Account Number XXXX Medical : XXXX Current Balance {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: CT

Complaint narrative:
Key 2 Recovery has harassed me via phone with repeated calls after request to cease and desist. Key 2 Recovery has attempted to collect a debt claiming incorrect inflated amounts. Key 2 Recovery has been informed that the debt is under repayment with the original lender, but still tries to collect

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation