vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Regarding Banking Regulators : they need to catch up with ever changing circumstances and new types of customer abuses. Here is the problem specifically which has cause me harm : PayPal denies that they are a bank despite that they've frozen my funds via my XXXX XXXX XXXX, not credit, these are my funds in the amount of {$5300.00} for an alleged, unspecified " acceptable use '' violation. They will not specify the alleged violation however I suspect it is because I used XXXX to pay for a firearms part recently. Meanwhile, they've notified that my funds are frozen and will remain in THEIR possession for 180 days. Is this not ridiculous? They can keep MY lawfully earned money for that long? 

If you can help with problem number it would be greatly appreciated. I'm not a wealthy person, I need these funds, without them my family is under great hardship. sincerely, XXXX XXXX XXXX reference I.D . XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I originally borrowed around {$900.00} from Cash Store in XXXX on XXXX XXXX. 

I was XXXX and had a joint bank account which I had to close. They never got in touch with me, sent a letter that I received, etc. Later in XXXX of XXXX I got a call from an " attorney, who was not one.  She was nice but threatened that they were going to file bank fraud charges, she then said that it didn't make sense as I hadn't committed fraud, and that I could handle it with a payment plan. XXXX, scared, and trying to get better I agreed to it. 

Now, in late XXXX inhad been getting a spam message, so I called. They answered saying, " Oh, they're going to have your drivers license suspended and take you to court. They are also going to file 3 bank fraud charges. '' I then told him that no fraud was committed, I had already set up a plan, and he agreed and said he didnt understand how they were going for all that when I had responded and attempted to remedy the situation. I told him I know that I didnt commit fraud, that I want ALL THE PAPERWORK DETAILING HOW AND WHAT THEY WANTED TO " CHARGE '' ME WITH. 

The debt is handled. The problem is that they are making all these threats " bad cop '', then having no attorney persons negotiate payments, issue threats, and give legal advice that often contradicts what they originally said and or did. 

If I didnt have legal knowledge, like many, they could really manipulate and hurt people. My understanding is that threats and harrassment can't or shouldn't be done by these folks. I would like to know ways, remedies, and what their legal obligations and restrictions are, so that I can be better informed. I feel what they did was illegal at worst and extremely shady and deceitful at best ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To limit the sharing of my information, Equifax suggests there is a way to do it online, but, if there is, it is not accessible via the directions provided in the privacy notice. 

Upon signing up for a free account, I wanted to limit the sharing of my personal information as much as possible. They provide a pdf called " Consumer Privacy Notice '' that provides two options to limit sharing, an online portal or a phone number. The link offered in the consumer privacy notice does not exist, and so I can not use that path to limit the sharing of my information. The relevant text from the pdf is below : Visit us online : https : //help.equifax.com/s/contactsupport and select Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX has illegally billed my PayPal account! Again! 
Yesterday - on XX/XX/XXXX - I checked my PayPal Accnt & saw that there were un-authorized charges from XXXX! 


XXXX XXXX - XXXX XXXX - has been BLOCKED to prevent them from billing my accnt! 

XXXX was blocked because of a lot of problems with XXXX! A lot of those problems have been written about in earlier complaints to CFPB!

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 2020-06-23 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-06-23 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
Fedloan Servicing calculated my PSLF payments to be that of 124 in  a letter dated XX/XX/XXXX. The later states that I need to submit another PSLF APPLICATION FOR FORGIVENESS.

The last and most current PSLF App for Forgiveness I submitted was on XX/XX/XXXX. When I call the servicer I am told that I do not need to take action that this info has been submitted to the Dept of Education for review. The information in the letter and from customer services is inconsistent. 
I have asked for written communication that I do not need to submit the PSLF app and have not received this. The first request I made was on XX/XX/XXXX to XXXX ( employee ID XXXX ) I was ASSURED by XXXX that this email/letter would be drafted and sent within 48 hours. 
On XX/XX/XXXX I received an encrypted email from XXXX, Fed Loan Servicing attacinghin ONLY the letter i already received on XX/XX/XXXX stating i need to submit a PSLF App for forgives. 
Because this information, AGAIN, is inconsistent, I contacted XXXX, ( employee XXXX ), supervisor with Fed Loan Servicing on XX/XX/XXXX. XXXX informed me that the last rep, XXXX, did not submit what she said she would submit. XXXX stated that I do not need to submit a new PSLF App, BUT I HAVE RECEIVED NOTHING IN WRITING. I was assured by XXXX that I would receive communication within 48 hours. 
I have received nothing and there are no updates on my on line Myfedloan.org account. 

I began contacting My Fed Loan in XXXX regarding their miscount of my payments. It has taken them 4 YEARS to count them and they are in agreement that I have made 124 payments. 4 payments over what is needed and yet I can get no written assurance of this. The last payment I needed to make was in XX/XX/XXXX. It is now nearly XX/XX/XXXX. 
This gross mismanagement is negatively impacting my life. I have had to remain working for a non profit and AGAIN need to file my income taxes separate from my husband. Not to mention affecting my credit score and the more than {$1300.00} that Fedloan Servicing owes me for overpayments. 

I can not imagine any other financial agency operating like this. For example, I would not keep paying on my mortgage or my loan until they say to stop, as in when they get around t0 with counting my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/2020, I submitted a dispute about incorrect information contained in my Experian consumer report. The letter contained 3 disputes. The first two disputes were investigated by Experian. Experian apparently ignored my third dispute in the letter with respect to incorrect information from XXXX XXXX XXXX, Account Number XXXX. I submitted relevant documentation with my dispute including court records which contain proof of payment. It has been over 6 weeks and I have not received the results of my dispute with 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 explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America Mortgage Account numberXXXX Hi, I spoke to a rep and I have a 6.625 % interest rate- I asked to refinance and they said I could not because I am in a DEFERMENT program. Rates are very low and it would help me out along with me reading that banks are offering to streamline refinance consumers. I need help getting this process started- I have a great credit score and should be able to take advantage of the low interest rates-

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 2020-06-23 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: TX

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of XXXX XXXX. I have never been put on XXXX XXXX. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$1100.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$430.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXXXXXX {$460.00} XXXX   XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$6000.00}

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 2020-06-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX, and Experian. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23 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: Lendmark Financial Services
State: VA

Complaint narrative:
Back in XX/XX/XXXX I was advised that I could refinance my loan and that the past due payments will be reflected as current. I received a new loan in which the 1st payment was due in XXXX and the account has been paid on time. 

In XX/XX/XXXX, I received a letter confirming that if I refinance my loan, past due payments will be updated to current. However, the account is closed and past due payments have not been updated to current on the old loan as I was advised. 

The letter is conflicting and misleading because I was told by a representative that it did not mean that the past due payments will be updated, it was stated that the the loan would report current when the new loan was established. But the letter does not state that. The letter states Past Due Payments will reflect current. I have disputed the past due reporting before and was told that the past due payment history will not be updated. Im in the process of purchasing a home and the negative information is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: FL

Complaint narrative:
EXPERIAN IS IN VIOLATION OF THE FOLLOWING SECTIONS OF 15 USC 1681, I HAVE PROOF IN THE ATTACHED EXHIBITS. 

-15 USC 1681b ( 2 ) -15 USC 1681 ( b ) -15 USC 1681e ( b ) -15 USC 1681a ( 4 )

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 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I obtained an auto loan from XXXX XXXX XXXX back in XX/XX/XXXX until XX/XX/XXXX. Unfortunately, the loan was cut short due to someone stealing the vehicle. After several months of calls to XXXX XXXX XXXX I was finally able to get a resolution of paying a balance. The balance was paid in full around XX/XX/XXXX. 

XXXX XXXX XXXX reported this as a charge off on my credit report. That has negatively effected my credit score and it has decreased by 50 points due to this inaccurate information that has been reported by them. 

I need the charge off removed from all credit reporting agencies because this should be an exception to the rule. Not only was a crime conducted against me. The XXXX XXXX XXXX company was very rude and expressed zero empathy towards the situation. I expressed the issues to several customer service individuals and they did not seem to care about my situation. So here we are.

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 2020-06-23 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-06-23 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: AR

Complaint narrative:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2020-06-23 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: AR

Complaint narrative:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation