vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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 believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am a XXXX Patient. I XXXX XXXX as part of my online job and XXXX XXXX I also have traditional business in my town for XXXX XXXX XXXX XXXX XXXX XXXX. ) since 2017. 

Recently, last XX/XX/XXXX, I bought XXXX to grow my money and I had received the amount due to me and was sent to me from different person internationally who offered the XXXX exchange. The reason I had my transactions to received several from different person because of the capital and interest on XXXX purchase. 

My paypal account : XXXX has stucked funds in it that I have to withdraw it asap for my medicine purchases. 

And I am hoping that I will get back my account, buy my meds in XXXX, and able to withdraw my funds. 

Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXXXXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I refinanced my the same company in XX/XX/2021 for a lower rate. Then about a month ago Rocket Mortgage cold called me and said they had made an error in closing out my previous escrow account and I owe them {$3600.00}. I was shocked and asked for documentation to analyze. The sent confusing document same day and called me every day after until I told them to back off as I have a full time job, family and other complications in my life. They took 8 months to find their error and expect me to pay up in 24 hours! I will not be bullied. I've kept in contact with them and I've done my due diligence. I've since uncovered that they have made some serious accounting errors and they likely owe me more money. I'm sending them my spreadsheet analysis and am happy to share all the details as well as the lengthy email thread I've had with their 'Servicing Escalation Specialist '. I'll note that they've admitted the error was theirs and that I warned them back in XXXX that I thought there was an error. I proof of all this. 
What rights do I have against a company asking me to refund escrow money without sufficient proof? Should someone be asking how they were able to XXXX up my escrow so badly? They said that they sent my Earthquake insurance payment with those of other customers and resulted in an overpayment. That was returned to me from the insurance company and could only go to me as the policy holder. Now they want that back but I have evidence they've already taken it. Please help me force them to prove their claim pay me mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SLM CORPORATION
State: NC

Complaint narrative:
Sallie Mae failed to provide an explanation and documentation regarding the dispute decision. 
According to the Federal Trade Commission, the following applies : If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money. I am once again asking Sallie Mae to provide an explanation and validate the debt as the reported amount to the credit bureau is incorrect since I don't owe the two charges for {$640.00} and {$590.00}. 
Sallie Mae in their previous response to my complaint stated that the services were provided, I suggest that Sallie Mae reviews guidelines for Quality of goods and services as follows : Disputes about the quality of goods and services are not " billing errors, '' so the dispute procedure doesnt apply. However, if you have a problem with goods or services you paid for with a credit or charge card, you can take the same legal actions against the card issuer as you can take under state law against the seller. 
To take advantage of this protection, you must have made the purchase ( it must be for more than {$50.00} ) in your home state or within 100 miles of your current billing address and make a good faith effort to resolve the dispute with the seller first. 
. 
Since my canine suffered thermal injuries after the spay XXXX the services were not provided as agreed and I already tried in a good faith to resolve the issue with the merchant as stated previously, Sallie Mae is responsible for reversing the charges. 
Sallie Mae 's Advocate XXXX XXXX ID XXXX XXXX stated that I must provide a decision from the XXXX XXXX XXXX to finalize the dispute. The letter will be provided once a decision is available in writing. I do not consider the dispute to be closed and Sallie Mae should accept liability for any damages as they failed to investigate and resolve the dispute. 
Sallie Mae restricted my account unlawfully after I disputed the two charges and then demanded that I pay one of the charges in full despite the fact that I applied for a card with 0 % introductory APR on Purchases and Balance Transfer for 15 months, provide them with the three months bank statement and a copy of my ID. They also rejected my dispute before receiving the supporting documents. Now Sallie Mae also violates terms and conditions regarding the {$200.00} welcome bonus, stating that I am not entitled to it. 
Please refer to the attachments also from previous complaints against Sallie Mae

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX  Account number : 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
Consumer complaint received 2022-05-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XX/XX/2022 I was notified by my credit manager that Sun Loan Company, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ran a hard inquiry on my credit without my knowledge. I do have an open account with them but in no way, shape or form, was I notified of this inquiry which resulted in a downfall of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: SC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Coming out of our covid 19 forbearance we were looking for a long term option for paying back the 18 months of missed mortgage payments So we submitted a request for assistance at the end of XXXX XXXX What I thought would be around a 30 day process ended up dragging out over 4 and a 1/2 months just to be considered to have a complete application.. Initially our application was denied once in late XXXX based on a software issue with accepting one of the bank 's many requests for information... The processing system failed to submit it to underwriting and we had to call again to get it push through We submitted copy after copy and letter after letter And then finally in early XXXX We knew it was an underwriting and were expecting to be presented with a couple of options in the next 3 weeks due to unforeseen XXXX complications I ended up hospitalized For a few weeks and then delivered a premature baby. Obviously I was under medical care and staying with family so When I returned back home approximately 6 weeks later I was shocked to find a letter stating from early XXXX stating we had been approved for a XXXX  modification pending proof of the awarded monthly XXXX benefits... Now granted this is 45 days later at this point Meaning we had already passed a 30 day mark XXXX mark and I'm scratching my head because I Knew that I initially submitted screenshots of my of my Minnesota state XXXXXXXX XXXX benefits in my original application back in XXXX bember and frankly never even knew what the federal additional XXXX funds were or when they were being added because it was part of the federal CARES act. No currently apparently I'm sitting with a letter of default andefault and after another 2 hour conversation on the phone with Lost medication I informed that our house is set for a sheriff 's sale on XX/XX/XXXX and the only way to to put a halt to it is to submit another another request for XXXX assistance and have a Complete application in with the company prior ire to 15 days before the date of sale meaning XX/XX/XXXX. it took me over 4 months to get the bank to consider our initial application complete how on XXXX would I be able to pull that off in less than 20 days!? Especially considering I had already submitted the requested document in my initial application but application! They make you jump through hoop after hoop As a means to make it almost impossible to satisfy their requests ... it's ridiculous! It's a complete case of the left side not talking to the right side and then telling me well there's nothing I can do about it Even though I had already submitted what they were asking for...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: SC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: SC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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
Consumer complaint received 2022-05-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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 non-monetary relief
Consumer complaint received 2022-05-23 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:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX  Account number : 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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for and purpose. 

late payment was for XXXX 2021, according to company. There is a 4-month grace period for no late payments

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