vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am contacting you concerning the current negative balance reflected on my PayPal business account and the recent communication about the debt recovery process. I wish to address several critical points regarding this matter.

Firstly, it is essential to note that there are unresolved payment disputes pertaining to chargebacks, as evidenced by the account 's Resolution Center status, which clearly shows ongoing reviews for cases dated XX/XX/XXXX. These unresolved disputes directly impact the accuracy of the alleged debt amount. In accordance with standard financial practice and fairness, it is premature to engage in collections or assert a definitive debt amount while these chargebacks are not yet settled. 

" XX/XX/XXXX, and XX/XX/XXXX, you received five credit-card funded payments totaling {$22000.00} '' Secondly, as the account in question is a business account, I wish to clarify the distinction between personal and business liabilities. The PayPal User Agreement does not explicitly transfer the liability of business debts to the business account administrator. As there has been no personal guarantee agreement signed by me, nor is there a provision within the User Agreement that implies personal liability for business account debts, the pursuit of personal liability for these business debts is not substantiated by the terms of the agreement. 

Case ID Type Reason Amount Last updated XXXX XXXX XXXX refund or credit Lost {$2000.00} USD XXXX XXXX Chargeback Unauthorized transaction Lost {$5000.00} USD XXXX XXXX XXXX XXXX XXXX Lost {$4000.00} USD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Liability for Unauthorized Transactions , '' " Resolving Disputes, Claims, and Chargebacks, '' and any provisions about business accounts and operations.

The separation of business and personal accounts within PayPal 's system is a recognition of the distinct legal and financial entities that these accounts represent. Therefore, debts incurred by the business should not be personally attributed to the account administrator without a clear and explicit personal guarantee or contract that establishes such responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I took out 2 loans to pay for graduate school with Mohela. I received one of the loans for my first semester. However, I withdrew from the school my second semester and the money from the second loan was never dispersed to me or my school. 

Both loans are showing up on my credit report showing that I still owe the full amount. 

I reached out to Mohela about this issue and was on the phone for over an hour and re-directed to 3 different representatives. I was told in order to remove this loan from my account I would have to contact the US Department of Education. 

I filed a case about this with studentaid.gov and was told in order to fix this, I would need to contact my loan servicer, Mohela. 

It seems that neither Mohela or the financial aid office is willing to help remove this charge, even though I have clear proof from my college 's financial office that the loan was never dispersed to them for the second semester.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have a Navy Federal Credit Union visa card. I did a balance transfer to the card years ago. On XX/XX/2024, I called Navy Federal Credit Union 's credit card department. I asked why were there two different amounts for interest payment. The representative explained that the first interest amount is for the present balance and the second amount is for the transfer balance. I asked could I pay on the transfer balance so I can get rid of the debt. I was told I had to pay off the present balance {$6900.00} before I could pay off the transfer balance {$1800.00} and the only thing I can do is not use the card. In the meantime the transfer balance is accruing interest separately from the present balance until I get it down to the {$1800.00}. This is awful and can keep people in debt. The average consumer doesn't know that the transfer amount is attached to the back end of a balance with a separate interest amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against FEB/Destiny XXXX, XXXX the mishandling of my account, resulting in unjustified late fees, interest charges, and damage to my credit score.

The events in question took place in early XXXX. In XX/XX/XXXX, I made a payment of {$740.00} through the online portal of my FEB/Destiny account. The payment made wasn't reflected and as such the payment was made several times without being reflected on my account. I called the company for support with the error on the website to prevent these payments from being processed multiple times. Despite my attempts to rectify the situation, the company informed me that they would not cancel the transactions. Consequently, my account was automatically closed without any prior warning because of the payments being returned by my bank. Notably, the company failed to inform me properly of the closure. My online payment portal did not reflect the closure, leading me to continue making payments as usual. 

It wasn't until late XXXX or early XXXX that I discovered my account was closed when my card was declined. At which point, I made several large payments towards the closed balance, with the intention of clearing the debt. Despite these efforts, the company continued to report my payments as late to the credit bureaus and imposed additional late fees and interest charges. 

Below are the details of the payments made towards the closed account : XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$60.00} XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$460.00} Despite not having access to the line of credit or its services, the company unjustly assessed late fees and interest charges, further compounding the financial burden. 

I attempted to address the issue by contacting the company to understand why my payments weren't reflected on my online portal. However, their response was inadequate and failed to resolve the matter. 

This situation has caused significant financial distress and has adversely affected my credit score, which has far-reaching consequences. I believe that FEB/Destiny has violated fair lending practices and has failed to adhere to proper consumer protection regulations. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the damages caused by FEB/Destiny 's actions. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have 3 fraudulent accounts reporting on my credit report. I have filed an FTC report, report, # 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have 3 fraudulent accounts reporting on my credit report. I have filed an FTC report, report, # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Was misled when I first applied XXXX. Both my school and Navient pushed us for getting this load and told us we would have no issues paying back that our payments would be low and affordable. Can't afford the large monthly payments over {$600.00} per month. I was able to get a lower payment program, however the low monthly payment does not go towards to the loan itself. With the interest rate the monthly payment doesn't pay off anything. I am basically paying Navient to not go after me. 

XXXX, Navient also temporarily sent my loans to XXXX and XXXX drained my bank account and started wage garnishment without notifying me. They say they have a signature from my XXXX, however I didn't have a husband. Nothing was signed or notified to me. I couldn't afford a lawyer to fight and advice from lawyers, was even though it was fraudulent, there was not way to legally prove it and I would spend too much money to lose XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian and XXXX ( Headquarters out of Florida ) .. are reporting low score or wrong information!! 
I've seen credit denials from Experian for car loans at a XXXX XXXX XXXX and reporting a XXXX XXXX XXXX that's never been apart of my score! 

Clarity has me currently at a XXXX XXXX of XXXX ... so what's really happening plus deceased and a bank attacked that hasn't or zero XXXX roots but only out of state. I never living in another state longer than one month or less. 

I will enclose evidence of score

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 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FourLeaf Federal Credit Union
State: CA

Complaint narrative:
Normally, a buyer in CA inherits the sellers tax basis and a supplemental tax bill that the buyer pays in the first year adjusts the sellers basis to the buyers basis. 

When a buyer takes an impound account for taxes, the originating lender should adjust for the actual basis, not retain the sellers basis ( which is often lower ). 

What Bethpage did, and escrow permitted here, was for us to inherit the sellers SELLERs XXXX basis, which was only {$1000.00} per year ( {$88.00} per month ). This borders on negligence because they all knew our impound account would get slammed with an adjustment at a day in the future. 

So we closed in XXXX of XXXX, for a 7 year fixed loan, with a monthly mortgage price of ~ {$5400.00}. A year and half goes by, and we are blindsided by " an escrow deficit '' and our new mortgage payment is now ~ {$6800.00}, which was automatically withdrawn in our most recent mortgage payment, introducing financial hardship to my family and I. 

Bethpage was HORRIBLE to work with before and after the closing of our home, but this " error '' is unacceptable, and appears to be a " bait and switch '' to make sure we closed, as we had shared prior that anything higher than the ~ $ XXXX payments would be too much for us, and we would not purchase this home.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) states that Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) A Creditor may not treat a payment on credit card account under an open and consumer credit plan as late for any purpose.

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 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Good afternoon, I was contact supposedly from a man from Citizens Bank. The person calling me had a phone number of ( XXXX ) XXXX. The man asked me if I had applied for credit recently in XXXX, TX. He said my social security number may have been compromised. I told him that I did not make any application for credit in XXXX, TX. He gave me the complaint number. The complaint number is a follows : # XXXX. 

Please investigate and advise. 

Thank you for your assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have been trying to get this collection off of my credit for months. I have sent in several disputes, and nothing has been done. I have submitted documents proving it is me sending the request to have this removed. I have filled for a full file disclosure and never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm resending my dispute letter since I didn't get the full resolution to my concern. Again, I can still see information were not authorized by me, I am a victim of Identity Theft and this 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 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation