vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
While waiting for pending ( echeck ) transactions to clear, on the dates, XX/XX/2023 for {$200.00}, XX/XX/2023 for {$95.00} and XX/XX/2023 ( two transactions ) for {$100.00} and {$50.00}, PayPal permanently limited/closed my account. I contacted PayPal support via messenger and phone. Spoke to multiple representatives and a manager. I was not able to get an explanation as to what activity in my account caused them to close my account and hold my money. They informed me that they can not disclose the reason. Attached is the messages Via PayPal App. I have read through the Legal Agreements and I do not believe I used the services wrongfully. I've only received money from my sister and my cousin. I used my PayPal debit card for " normal '' shopping at supermarkets, paying bills, public transportation. As well as transferred money to my own personal accounts ( paying all fees that apply ). The Legal Agreement states that funds are held incase there are any charge backs or unpaid balances. If they are monitoring the account they can see that I do not have any transactions that would cause a charge back and being that I have {$450.00} being held, I do not have an overdrawn or unpaid balance. As well as me not being a Seller that utilizes a business account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
The Mortgage Company, Flagstar, refuses to send to me a monthly statement. I have spoken to a customer service representative and demanded the monthly statement. I have not received one in months. Perhaps I am merely being XXXX but I doubt that I am the only person experiencing this problem. No doubt Flagstar found it to be a cost savings move to stop sending statements. But, I think more is behind it. Without a monthly statement, I was late on a payment, which resulted in a penalty. This is the first time this has ever happened to me. Perhaps, this is a deliberate policy on Flagstar 's part. First, they save money by not sending statements ; then second, people will inevitably be late in payment, resulting in a windfall to added late fees. In light of other widely reported banking illegal practices, such as at XXXX XXXX and XXXX, I don't think that my suspicions are unwarranted. At the least, I want my monthly statement, but I believe that an investigation may reveal a more widespread practice.

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 2023-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
Your company has contacted me over XXXX times via email about an alleged debt from XXXX XXXX, XXXX in the amount of XXXX. That is XXXX violations, which each violation is {$1000.00}. These emails have resulted in mental stress, which is causing significant inconvenience. Every email came at such an inconvenient time and caused me great anxiety. I have sent a pre-arbitration letter on XX/XX/2023 with no response. I have tried to settle this matter amicably. I will have no choice but to move forward if there is no response to my letter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Last year 2022 my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.

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 2023-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
This company overcharged me and did not follow the 15 USC 1605. They also added my cash downpayment onto the loan to add more money on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A 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 a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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 2023-07-30 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: IL

Complaint narrative:
Ive sent a letter to Equifax regarding potential identity theft. Please see attachments for reference. I requested that Equifax block and delete accounts due to Equifax not obtaining my consent before reporting anything on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: NC

Complaint narrative:
I AM WRITING TO DISPUTE THE FOLLOWING ACCOUNTS. I DID NOT OWE THIS DEBT AND IT DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE. PLEASE REMOVE THESE ACCOUNTS AND SEND ME AN UPDATED COPY OF MY REPORT AFTER THE INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I have an account open with a creditor for a store card. I have previously asked to refrain from calling me on XXXX as I go to church and they have repeatedly called me on Sunday with a total of 3 times in about 4 hours. Since Friday they have called 7 times and have not yielded the phone calls. According to the information on the CFPB site they are in current violation of harassment. I have asked them to stop calling that I have payment arrangements set up but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX to XX/XX/2023 I was charged XXXX dollars on my master card, I did not make purchase, I live in XXXX purchase was made in XXXX. I called company they said they would investigate, they did not, I recieved letter that I was responsible. This made me so angry, I cancelled card. 
I realalize I should not have cancelled card, they sent me a new card, which I don't intend to use. I have had good credit and paid bill on time, never late, I do not appreciate being treated this way. XXXX dollars may not be much to others, but I am on a fixed income, that money can be used for other things. 
I hope you can help me, and don't want this to happen to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-30 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: NC

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. 

XXXX XXXX  account XXXX XXXX  Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I searched on the mobile application XXXX to purchase a XXXX XXXX XXXX XXXX for {$6500.00}. After speaking briefly on XXXX, we had a phone call and decided that a {$500.00} deposit to hold the vehicle would suffice so that I could fly up to their location ( XXXX, TX ) two weeks later. On XX/XX/XXXX at XXXX ( XXXXXXXX XXXX ), I sent over the {$500.00} deposit using Cash App. I titled it in the description as " For XXXX can deposit. '' I misspelt " car. '' On XX/XX/XXXX at XXXX ( XXXX XXXX ), after I was unable to reach the owner of the vehicle by phone or through XXXX, I submitted a fraud claim with Cash App. On XX/XX/XXXX at approximately XXXX ( XXXXXXXX XXXX ), Cash App 's Cash App Support informed me " If you already sent a refund request and the recipient has not accepted it, we are unable to do any further action ''. They then informed me that " Cash App is unable to cancel or refund this payment. Please resolve this issue with the recipient directly. '' I have not been able to get them on the phone either regarding this matter. I have gone through my bank as well but they've informed me that Cash App is the company that this transaction went through and they must be the ones who get the money from the scammer. I have yet to receive my {$500.00} back, Cash App keeps informing me that they can not do anything even though I have been scammed and followed all the Cash App rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
The week of XX/XX/2023 I received a credit declination letter from XXXX XXXX XXXX, which obtained negative and inaccurate information from Early Warning Services LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a ck acct w/ the Bank of America . I continue to be assessed a " check image fee. '' I have never asked for or authorized that ck images be included with my monthly statement. The fee appears about every six months. I waste my time in call BofA customer service to reverse and halt the fee. I advise I do not want the fee in the future. But, about every six months it shows up again. I believe this is a fraudulent scheme by BofA to increase revenue from fees. Surely, BofA has the capability to permanently turn off this fee in my acct. Their failure to do so indicates this is an intentional act.

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 2023-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp
State: MI

Complaint narrative:
I have contacted Union Home Mortgage multiple times since they purchased my mortgage from XXXXXXXX XXXX UHM is holding the payments which I have made in suspension. The payments are not being applied to my mortgage. I have had my mortgage for 8 years with no issues. I have asked to them to correct the issue and the claim will but I have not. They claim the issue is caused my having filed bankruptcy in 2020. This is a lie, XXXX never had this issue. I told them what I know to be fact and that it is the mortgage software they are using " XXXX XXXX '' causing the payments to be placed in suspension. The software must be reprogramed. I worked on this same issue in the financial institution I used to work for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: CA

Complaint narrative:
I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates 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

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 2023-07-30 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: CA

Complaint narrative:
I recently viewed my credit report and multiple accounts has been opened with out my consent nor do I recall any knowledge of these fraudulent accounts, names, address that are reporting to my credit. I took immediate action when noticing these items by contacting all three major credit bureas and creditors that are reporting these negative items to my report that are causing financial losses and emotional distress causing me to be denied credit and pay increase interest rates 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. Accounts : XXXX XXXX XXXX Number : XXXX Accounts : XXXX Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe 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 2023-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've sent multiple dispute letters and they've been saying that all my information is accurate which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: GA

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. 
Accounts : XXXX XXXX services Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My issue is with experian.Ive been calling them for almost two weeks.no answer .well an Ai picks up.I wanted to call them and let ythem know my profile is incorrect and they never had my permission to sale my personal info to another collector According to 15USC1682b my rights were violated and also 31USC5118 United States government is responsible for all debts

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