vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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
State: CO

Complaint narrative:
My PayPal account can not be Linked with the bank and withdraw cash, and I have contacted the PayPal customer service representative many times to solve the problem. please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I noticed yesterday, XX/XX/2022, that I had received a few emails from Bank of America on XXXX that were basically walking me through the process of opening a bank account in my maiden name. They verified my email ( XXXX XXXX ) opened the account, and then changed the email at the end. I called Bank of America and let them know it wasn't me who opened the account and that's not even my name anymore. I changed my email password to an actual password rather than the sms code.

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 2022-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Paypal did not pay me correct as they only refunded me {$7.00} USD and they were suppossed to refund me {$140.00} USD. They owe me the rest {$130.00} USD. See next {$2600.00} XXXX  equals {$140.00} USD. PayPal ruled in my favor and closed the case in my favor but when they went to credit me back they only credited me back {$7.00}. Someone at PayPal entered my credit as {$140.00} XXXX when it should have been {$140.00} USD. Transaction ID is XXXX. All I am asking for is to have the {$130.00} credited back to me that they stated they owed me but just refunded me wrong amount and now its a theft problem as somehow they cant seem to pay me the money back that they owe me and stated they owe me when they ruled the case in my favor. Please help me get my {$130.00} they owe me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was a victim of identity theft. I just received a letter from Columbia Debt Recovery LLC DBA Genesis  stating that I leased an apartment located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as of XXXX. They claim I owe them {$11.00}, XXXX. 

I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and I am a victim of identity theft as I have never even been to XXXX XXXXXXXX XXXX 

I would like this deleted from my credit credit record as it is fraudulent. aby questions, email me at XXXX or call me at XXXX, Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Id like to file another complaint against XXXX again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.

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 2022-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am the confirmed successor in interest for a residential property where wells fargo holds the mortgage. 

I have requested multiple times that Wells fargo follow CFPB interpretative ruling issued XX/XX/2014. Docket Number XXXX which states : " The bureau is issuing this interpretative rule to clarify where a successor in interest ( successor ) who as previously acquired title to the dwelling agrees to be added as obligor or substituted for the existing obligor on a consumer credit transaction secured by that dwelling, the creditor 's written acknowledgment of the successor as obligor is not subject to the Bureau 's Ability to Repay Rule, because such a transaction does not constitute an assumption. '' I am already the confirmed successor in interest. I have requested, repeatedly, for wells fargo to add me as obligor on the loan following the above rule. I filed a previous complaint : CFPB Case Number XXXX Wells Fargo Case number : XXXX I have asked wells fargo to confirm they understand that i am NOT asking for an assumption under regulation Z. 

Please review the previous complaint and the response that literally ignores the ruling. I am not asking for an assumption.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Auto Loan, and XXXX loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear, XXXX RE : The inaccurate and certifiably noncompliant information you are reporting To whom it may concern : I am writing you with this formal objection of information published and provided by you to Experian, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting!

You are improperly reporting an alleged Auto Loan, and student loans to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit reputation. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less than an auto loan that you did not have permissible purpose to share my personal information. I formally contest the reportability of the alleged delinquent account.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently disputed addresses, wrong phone numbers, different variations of my name and they still continue to keep incorrect information. There should only be one phone number, a po box , and one way my name should be ONLY my mother and I have the same name as I have expressed so it is very important to have this correct! Also was told for about 8 months that I had no address on file so I couldnt obtain a copy of my credit report even after calling every month and being told it would be fixed with in 24/48 hours, I couldnt obtain credit report on the XXXX app or on the website nor would they send me a copy! How am I suppose to make sure I have a fair and 100 % accurate account if I am unable to view tiny own information?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I requested a refund on the eligible refundable amount that was paid during XXXX. The amount totaled to {$12000.00}. The loan balance on the accounts has been updated to reflect this amount, but I have not received any refund. I was told I would receive a check in the mail. I have called the loan servicer, Nelnet, and was not advised on what to do and was told that the Department of Education is dealing with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: OH

Complaint narrative:
I've been paying of this loan for years and my balance isn't going down AT ALL. Call Sallie Mae and informed them they tell me I have a variable interest rate I told them I have a fix interest rate also ask them to start mailing me my statements every month still haven't received any information on this loan in mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these inquiries from my report as these do not belong to me and I did not authorize them. 

XXXX XXXX NA Inquired on XX/XX/2022 XXXX XXXX Inquired XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022

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 2022-12-18 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 want my profile to be In accordance with the Fair Credit Reporting act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX All credit inquiries Apartment complex in MI XXXX, has violated my rights. 

Per 15 U.S.C 1681 section 602 A. I have the right to privacy.

Per 15 U.S.C 1681 Section 604 A Section 2 : as a consumer, It states a consumer reporting agency can not furnish a account without my written instructions. They do not have my written instruction.

Per 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.

Per 15 U.S.C. 1681s-2 ( A ) ( 1 ) ... .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 explanation
Consumer complaint received 2022-12-18 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/22 : attempted cash advance at a TRUIST ATM on a TRUIST charge account. XXXX x declined for {$200.00}. NO MONEY RECIEVED. 
XX/XX/22 : declines still appear on my statement against my balance. Called TRUIST to resolve for the third time. Asked to escalate to a XXXX, rep on the phone refused to transfer to a XXXX, told me it was a " process '' and the charges would eventually come off. These fees go against my daily balance costingvme additional money.

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 2022-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Failing to send you notifications Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes reporting a debt as charged-off when you settled it or paid misstating the balance due Mixed Files Debt Dispute Violations correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) NO MORE TIME THEN THAT TIME FRAME notify every involved that you dispute the debt Privacy Violations CRAs can not release your credit report to just anybody. 




Remedies If any of these three types of entities ( credit bureau, creditor, or information user ) violated your rights under the FCRA, you might be able to sue them in state or federal court for damages. 


Furnishing and reporting inaccurate information A creditor, much like your credit card company or loan collector, should not be knowingly supplying incorrect information to a CRA. 

Some examples of inaccurate information that could be supplied to your CRA include overstating or misstating total balances due, reporting a debt that has been paid off as a charge off, reporting payments paid on time as late or mistakenly listing you as a debtor on an account. 

Bottom line : CRAs need to respond to filed disputes in certain ways, and not following those procedures could violate the FCRA. 

Bottom line : Creditors or CRAs failing to update your credit information ( which should be kept as up-to-date as possible ) violate the FCRA. 


Mixing files In some instances, a credit bureau can mistakenly mix your file with that of another debtor with information similar to yours, like a shared last name. This violates the credit bureaus obligation to report accurate credit information about every borrower. 

Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are two people named XXXX XXXX who live in the same zip code, or not including XXXX, XXXX, XXXX or other differences for people Bottom line : Its possible mistakenly mix credit information of two people with similar information, which violates the FCRA if not remedied.

The right to dispute inaccurate/incomplete information Any inaccurate or incomplete information found in your credit file that is reported to a CRA must be thoroughly investigated by the agency.

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 2022-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint about four accounts that keep appearing on my credit report and that do not belong to me. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never opened or used these accounts, and I have no knowledge of how they came to be associated with my name. I have made multiple attempts to have these accounts removed from my credit report, but they keep reappearing. 

This situation is causing me significant stress and frustration, as it is affecting my credit score and making it difficult for me to obtain loans or credit cards. I am also concerned about the potential for identity theft or fraud. 

I request that the Consumer Financial Protection Bureau investigates these accounts and takes action to have them removed from my credit report as soon as possible. I will provide any necessary documentation or information to support my claim. 

Thank you for your attention to this matter. 

Sincerely, 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 2022-12-18 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation