vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX : Signed Lease with XXXX XXXX ( property owner Dart Properties ). XXXX required 30 day notice if moving out. No fee to end lease prior to XX/XX/XXXX. Lived at this property since XXXX. After XXXX year was never a fee to break lease. 

XXXX XXXX : XXXX XXXX 's management was taken over by XXXX. I believe XXXX XXXX continued to own the property though. 

XX/XX/XXXX : Received early bird renewal offer letter from XXXX. Required a commitment that will be signing new lease, had to respond by XXXX XXXX to get the " early bird '' base rent ( my lease was not ending until XXXX ). The changes vs prior lease : XXXX. Base rent increase XXXX. Stacking of new charges previously paid by XXXX XXXX XXXX. 60 day notice period when moving out. The letter specifically states " all the other terms and conditions of your prior lease contract will continue unchanged '' XX/XX/XXXX : Accepted renewal from XXXX / XXXX XXXX XX/XX/XXXX : XXXX XXXX signed and began with XXXX XXXX XXXX XXXX XX/XX/XXXX : Gave 60 day notice that I was moving out XX/XX/XXXX : Moved out of XXXX XXXX. XXXX said I owed a fee for breaking lease. 
XX/XX/XXXX : I responded to XXXX that I was disputing the fee XX/XX/XXXX : Received initial notice from debt collector for the fee. 
XX/XX/XXXX : Disputing debt and filing complaint with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint about Paypal 's negligence in managing a series of fraudulent transactions. 

For background, I have my XXXX checking account linked to my Paypal account, and XXXX fraudulent transactions were made out of my Paypal account, and credited to a bank account at XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$130.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XX/XX/XXXX -- debit out of my Paypal for {$200.00} > into XXXX ( account ending in XXXX ). 

Transaction XXXX ) XXXX parts -- Part XXXX on XX/XX/XXXX ) Debit out of my XXXX securities account for {$500.00} > into my Paypal account ( credited XX/XX/XXXX ). Part XXXX on XX/XX/XXXX ) Debit out of my paypal for {$500.00} > into XXXX ( account ending in XXXX ) ... .to be credited XX/XX/XXXX. I even told them on XX/XX/XXXX that the " fraudster/originator '' has already debited fraudulently twice before and they will certainly try to transfer the {$500.00} as soon as it comes in and to PLEASE STOP ALL PAYMENTS OUT OF MY ACCOUNT. And they told me " well, sir, you could transfer those funds back to XXXX before the fraudster does '' ... .and then recommended I setup XXXX authentication. They didn't understand that whoever this fraudster is has access been able to transfer funds out EVEN after I change my password, which means they have hacked my phone. It's the only way someone would be able to debit an account that way. 

I called XXXX so they could stop the payment ( and reverse the original XXXX payments ) and they said they could not help me because they would need the originator 's information ( bank account number full XXXX digits not just the last XXXX ). Paypal will not give me the information I already asked for. 

I also called XXXX and they washed their hands of any responsibility. I asked them to recall the funds with a letter of indemnity and they told me Paypal has to initiate any fraud investigation and resolve it. 

I then called PayPal XXXX to ask why they let another debit go out and to stop the payment ... and they said they couldn't. I asked ( via their message center on the PayPal app ) for them to claw back all three transactions, otherwise to give me the transaction information including bank account information so I can send it to XXXX, but have not responded to me with any information I requested and have not reached out to any of the other institutions to try to resolve the issue. They haven't even called me back to follow up on the matter, and have not responded to the messages I've sent through their message center. 

As of right now, there is a total of {$830.00} being fraudulently held at XXXX and no one is helping me. It's why I filed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a XXXX account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to XXXX if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

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 2023-12-01 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My social security number identity and information was fraudulently used on a car loan. The company name is Ally Financial. The eastern automotive card group on sterling V.A fraudulent submitted my personal information to secure a car for one of the workers friends.

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 2023-12-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have XXXX  of dollars of AMEX gift cards and they are always declined at XXXX. Customer service agent told me to just use a different vendor. These cards are useless if I can't use them at the largest XXXX retailer in the world. The cards have also been declined at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
In XXXX i got notification that i was in collections from credit bureau. I disputed with transunion and XXXX who since removed it from my report. I also disputed with XXXX and it came back verified but with no proof. I have no knowledge of company quality asset. This is harming me and I requested it being removed for the lack of proof i requested over a month ago.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
The complaint I have is : - I have not received bonus as promised- The bank does not provide anyway to talk to someone who can address my problems- I've spent hours of my time waiting on chat, phone, and for scheduled meetings where no one from the bank showed up. 
- I have now lost interest I could have received from the funds of about {$1600.00} Details : I opened an online checking account on XX/XX/XXXX. 
There was a {$1000.00} bonus for opening an account and funding with {$75000.00} I funded the account on XXXX I confirmed with a bank agent that I met all of the requirements for receiving the bonus and should receive it by XX/XX/XXXX On XX/XX/XXXX I was told that I had not received the bonus because the name on my account ( which was only First and Last name ) did not match the name on my tax filing, which included my middle name and XXXX. 

1st Issue - I requested the name change kit, but on XXXX, they sent me just another W9 and signature kit. 
I requested again the name change kit, and finally received on XX/XX/XXXX I submitted a name change document on XX/XX/XXXX 2nd Issue- I called many times between XXXX and XX/XX/XXXX to check status on this change, and they kept giving me some reason why it was delayed and told me to keep waiting On XX/XX/XXXX I got a notice in my online account that said I needed to submit additional name change docs, like a marriage certificate or other reason for the name change. Since this is just a correction, this didn't apply to me, so I started to try to talk to a human about my issue. 
3rd Issue - At this point I noticed that the automated phone line would no longer allow me to authenticate so I could not talk to a live agent, which cut me off from anyone that could help me I tried using the chat to escalate multiple times, until finally someone suggested I use the " Schedule an Appointment '' on the website 4th Issue- I scheduled an appointment 3 separate times/ days the week of XX/XX/XXXX. All 3 times no one from Citibank attended the scheduled meeting. 
I was given a branch contact info to try to call to talk to an agent, but the branch does not answer the phone and I get put back into the automated phone system that will not let me authenticate and talk to a person. 

So now I've wasted 6 months on trying to make this account work, I still haven't received my bonus, and I've lost more than {$1600.00} in potential interest that I could have made on my money. Citibank has no way for me to address my issue by talking to a human being, and has put up many roadblocks to keep me from contacting someone.

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 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC
State: KY

Complaint narrative:
I accepted a loan from this company through a dealership in XX/XX/2023. The tradeline was opened on my credit report the following month. Things seemed fine until I began looking for ways to boost my credit score in XXXX and noticed that this account had not been updated on my credit since XX/XX/2023 and while it reflected that the payments for those 3 months were on time, the balance had not changed. I contacted the company in XXXX and was told that they report every month. I questioned why my report did not show an update since XXXX and was told that I would need to send an email to their disputes department. I questioned why an email was needed for something they said they do automatically. In a later phone conversation, I was told that the prior representative should not have told me they report every 30 days because the XXXX XXXX department only had XXXX person and they were " working through a backlog ''. Again, they told me I would need to send an email to disputes and wait for them to get to it. In XXXX, I began looking to re-finance this loan due to the high interest rate. When I reviewed my account online for the balance, it reflected ( incorrectly ) that I was due for payment from XXXX, the account was 16 days past due, but the last payment made had been XXXX. When I questioned this, I was told " the App is having issues '' and the account was current and not due until XXXX. I was again told to send an email if I wanted my credit report updated. This company does not offer billing statements, and everything is done through the App, so if it is not correct, how can I manage my account properly? At this time, I again checked my credit report and found that not only was it not updated for this account since XXXX, it was now showing the account marked " closed '' but still full balance owed. I again questioned this with the company and was told to send an email. I refinanced the account with another lender for a better rate on XX/XX/XXXX and a payoff was mailed by the new lender to the physical address on the payoff letter on XX/XX/XXXX. As of XX/XX/XXXX, the App still reflected a balance and no payment since XXXX. I chatted with an agent and was told that the payment has not been received or applied and it could have been because the entire payment team had " been off for the holiday ''. I asked if the payment would be backdated since the payoff was only good through the XXXX. They said they could not answer that question. As of XX/XX/XXXX, the App still did not reflect my account paid off. I chatted with an agent who said the account was paid in full as of XX/XX/XXXX on their side and not sure why the App did not reflect that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Please see complaint CFPB # XXXX. This is in regards to that. 

The company gave me payoff, I sent in a check for payoff which is XXXX. They tried to cash for XXXX. I made a complaint and they assured me that if we sent it in again in another check, which we did that day on XX/XX/XXXX that they would back date to XX/XX/2023 so that we wouldn't owe any kind of fees. The check has been cashed. Now they are trying to tell me we owe an additional XXXX dollars and interest. When we tried to explain everything to them, they just kept saying you owe this amount still. It was the companies error not ours! 

I was given payoff on XXXX different occasions and on the second occasion they assured me that as long as they received the check we would not be charged any additional fees. 

This is feeling like a scam from this company.

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 2023-12-04 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX  # XXXX 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 15 U.S.C 1681c. ( 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 report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit on XXXX  XX/XX/2023, and noticed there were a few credit cards from XXXX  XXXX with a {$3000.00}, a XXXX XXXX  with a balance of {$5000.00}, a loan from XXXX XXXX XXXX  with the amount of XXXX, XXXX XXXX XXXX XXXX XXXX  with a balance of XXXX and a XXXX XXXX  with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.

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 2023-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
My federal unsubsidized student loans were taken over by Mohela from XXXX in XX/XX/XXXX. I was previously enrolled in the Revised Pay as You Earn program which would have required me to pay ~ {$60.00} dollars a month under my income prior to that time. Because of the COVID pause on payments, I had been making qualifying payments of XXXX dollars until Mohela took over my loans and continued with these XXXX dollar payments until the COVID payment pause ended in XXXX, XXXX. When Mohela updated their expected payment amount in XX/XX/XXXX, they incorrectly placed me in the Level Payment Plan and gave me an estimated monthly payment of ~ {$2000.00}, despite their responsibility to place me in the SAVE plan ( since I was confirmed previously enrolled in the REPAYE plan ). I spoke to Mohela on XX/XX/XXXX explaining their error, shared proof of my prior enrollment in REPAYE ( through my National Student Loan Data System document from Studentaid.gov ), and they placed my on administrative forbearance and said that they would correct the error. One month later they had not made any corrections and did not notify me of any missing information. On XX/XX/XXXX they notified me that I was still on the Level payment plan with the ~ {$2000.00} payment due in XXXX. I called them again on XX/XX/XXXX and they said that they needed more proof of my prior enrollment in REPAYE, despite that already having been confirmed with them in the past. They recommended I could simply re-certify my income, however this would lead to a higher payment due to my new marital status and higher spousal income ( and re-certifying should not be needed until XX/XX/XXXX at the earliest had Mohela not incorrectly placed me in the level payment plan ). Since payments have resumed, Mohela has allowed my interest to accrue under administrative forbearance which had added to my student loan burden, when I should have been able to make 2-3 payments of ~ {$60.00} to avoid any interest accrual under the SAVE program that I should have been placed in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I was scammed out of {$190.00} by a phone number matching Chimes customer service number. Chime is refusing to give me my money back or do anything about the scam. On XX/XX/XXXX the same number called me 5 times in a row in an attempt to get into my account again. Chime investigators haven't used the documents I've sent to them proving it wasn't me that made the transactions and continue to deny my disputes in a matter of hours.

Company response to consumer: Closed with monetary relief