vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my client paid me for a session via PayPal. The session was rendered and the service provided. Following the session, my client paid me ( {$400.00} for the session fee and a {$60.00} tip to cover gas/travel ) and when I logged into my PayPal account I see that the amount is in hold. PayPal charged me their fees of {$16.00} ( robbery ) and then held the remainder stating that because I did not regularly do 10 transactions a month they have the right to hold my funds for XXXX XXXX XXXX I depend on payment to cover things like travel to/from sessions, pay for the things I may have used/equipment rented etc. On my Paypal dashboard it gave me ways to get paid faster such as updating my contact info, adding my ssn, etc. I have since completed ALL of the requested items yet am still being told that because my account is " new '' my funds will be held to protect PayPal against chargebacks etc. The client has paid, she tipped me {$60.00} and she received the service. There is no risk to a chargeback. I am due my funds and PayPal has no viable reason to hold my money. This is putting my family in a financial strain as I can't meet my obligations and run my business. Why would anyone continue to do business with a company that oversteps such boundaries? I am a photographer and not all of my clients pay via PayPal- some write checks, some pay cash - I am never guaranteed to make 10 transactions via PayPal a month to meet the standards of what they are considering a " trusted seller ''. This is largely unethical and all I want is my money and then I will remove PayPal from my website and cease to business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: CA

Complaint narrative:
Collection Med West Fidelity Services XXXX XXXX XXXX XXXX. 
XXXX, Ks XXXX Account number : XXXX The original creditor is XXXX. I do have an account with XXXX but have never missed a payment. This is a mistake and I need documentation from this collations agency showing payment history and original documents bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
In around XX/XX/2021, XXXX XXXX sent correspondence to collect monies related to obsolete communications equipment that was never collected by the company after a cable/internet service disconnection. Eventually, the equipment was dropped off to the local office by my wife, XXXX XXXX in an attempt to remodel our garage area. 

In my first response to the collection, I did not know that my wife returned the equipment and told the company that I didn't have the equipment. Once I realized that the equipment was returned, I called the collection agency to inform them. The collection agency told me that I needed to clear this with the cable company. 
Upon calling the cable company, they confirmed that they did receive the equipment. I called back the collection company, but they remained unchanged until XXXX XXXX contacted them. I then called XXXX XXXX back and got a positive response to them fixing this situation by calling the collection agency to remove the collection charge. 

I'm not sure how to proceed with this situation. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I received a call from a debt collector on my cell phone around mid XXXX I know it was before XX/XX/XXXX. I dont remember his name, but he was very rude and stated that I did owe the debt. I didnt even know who he was he just said he was calling from XXXX  XXXX XXXX XXXX I told him that wasnt my debt. He said he will send me a letter in the mail. I received the letter on XX/XX/2023 and I wrote them a validation letter. I wanted them to include verification that the debt was mine. I requested a verification of the debt or a copy of a judgment against the me and a written statement by mail upon my written request within a 30 day period, complete payment history, agreement that has my signature, letter of sale or assignment from the original creditor to the debt collector, and intimate knowledge of the debt by the debt collection agency. I included the letter below. I received and email XX/XX/2023 that the debt collector was letting XXXX XXXX XXXX know that I was disputing the debt and they will let me know when they have further information. 
Okay, here it is today, Monday, XX/XX/2023, I receive a letter dated XX/XX/2023 just stating the dispute was received on my account and it was investigated and verified that the alleged debt was mine. I did not receive anything I ask for in my emailed letter that. Also they did not respond to me within the 30-day period. They did not send me any proof or verifications the alleged debt was mine. Also wasnt I suppose to receive the letter first before I received a debt collection call? I have provided the letter I have received today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There are hard inquiries on my credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries they are all in the same year and less then one to three months apart which does not make sense. 
Also I have hard inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I applied for IDR, thinking my payment would be lowered, but it was raised from around {$60.00} something a month to {$320.00} on XX/XX/XXXX. It took them at least 2 months to process my application, not giving me enough time to pivot to another plan. Then when I checked my loan again today, it went up to {$380.00} with no explanation, letter or notice. 

I called Nelnet after trying to email them using the form on their website, which just gave me an auto-reply saying, " Thank you for your email. We apologize for not responding sooner. Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). If youve already contacted us by a different means and/or resolved your issue, please disregard. Otherwise, we believe that one of these options may be the best way to find what you need : '' I had to wait over 3 hours to talk to someone, and when I did, I was put on hold 5 more times. They told me my payment was the lowest it could possibly be, even though I only make around XXXX gross a year. They said because I am married now my payment is super high. I asked if they could lower it or if there was any other option for repayment, because I can not afford it, and they could not help me at all. 

I do not have another 4 hours of my life to waste on the phone with these people. Despite multiple attempts to email them, I just keep getting auto-responses with non-answers. I can't afford this and no one is helping me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-20 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) 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.

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 2023-10-20 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a loyal XXXX XXXX XXXX XXXXXXXX for nearly 20 years. I called on XX/XX/23 to inquire about upgrading my current card as I had this card for over a decade with minimal rewards and credit line increases. The minimum payment due ( due date was XX/XX/23 ) was {$93.00}. I made a payment of {$700.00} and it was applied to my account. As of XX/XX/23, my credit limit was decreased from {$3500.00} to {$2900.00}. This happened to me over 6 years ago, my credit limit was {$4000.00} and decreased to {$3500.00}. I recently lost my father and I'm faced with financial burdens. I'm trying my best to catch up on my personal debt but decreased credit limits are a major set back as this effects the overall utilization rate, which is an importnant credit score factor.

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 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Purchased a refrigerator from Best Buy XXXX Citi backed ) using credit card. Interest deferred for 18 months. Even though I have been making payments since I purchased the refrigerator, they are not applying all of my payments to the promotional balanace. I called them to ask them to do that with all my payments, and they say they can not because it's been more than 60 days. Wasn't there a law passed that said they had to allocate the entirity of a payment to promo balances first? Now, even though I have more than paid off the original purchase, I have a remaining promo balanace of {$350.00}. That does not make sense whatsoever.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I will pay alleged debt and not just verified. This account has been removed and XXXX XXXX XXXX continues to furnish the account on my report without sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account deleted IMMEDIATELY!!! Please see attachment!!! 18 USC 8

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 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Greetings from XXXX. 

{$8200.00} deducted from my Bank of America Account ( XXXX ) onXX/XX/2023 without my consent, Matter escalated to Bank of America and they said they can not do anything about it despite transaction was in process. 

Feel free to contact me at XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ive been trying to retrieve my credit report from experian and also using XXXX which i pay monthly for now im getting a message after removing stuff off my account that wasnt me its saying " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' last update was the XXXX on the XXXX website it itshowing up blank as no report at all nothing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XX/XX/19XXXX 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 non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. XXXX / Account # : XXXX has violated my rights. 

2. XXXX XXXX / Account # : XXXX has violated my rights. 

3. XXXX XXXX Account # : XXXX has violated my rights. 

4. XXXX XXXX / Account # : XXXX has violated my rights. 

5. XXXX XXXX / Account # : XXXX has violated my rights. 

6. XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Wrong Name And Adresses. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Webcollex, LLC
State: CA

Complaint narrative:
I made a payment arrangement and paid off the accounts. I paid the account and received proof of payment. I presented proof of payment several times, and yet this collection agency ( which is not the one who I had paid ) has come along and placed collection status on my account and refuses to accept proof of payment for may accounts. 

XXXX XXXX XXXX, XXXX {$500.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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