vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to express my disappointment regarding the recent permanent limitation that was imposed on my PayPal account XXXX I strongly believe that this action was taken in error and I would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies or terms of service. As a responsible user, I have always ensured that my account is in compliance with all applicable regulations and requirements. Therefore, I was surprised and shocked to learn that my account was permanently limited. 

Secondly, I would like to request that PayPal re-investigate my case and provide me with the opportunity to demonstrate that my account activity was legitimate and in accordance with PayPal policies. I would appreciate it if you could provide me with any information or evidence that led to this decision so that I can fully understand the situation. 

Thirdly, I would like to kindly request that my account be restored if it is found that the limitation was placed in error. I have been a loyal customer of PayPal for many years and have always trusted the service. It would be greatly appreciated if my account could be reinstated as soon as possible. 

Lastly, I would like to confirm that the email address associated with my account is XXXX. I hope this information will assist you in identifying my account and resolving this matter quickly. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you and resolving this issue as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
in accordance. with fair credit reporting act XXXX account # 15 USC 1681Section 602 States I have right to privacy 15 USC 1681 604 A Section 2 : it also states a. consumer reporting agency can not furnish my account with out written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as for a late payment

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 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
On XX/XX/2023, I received a notification from XXXX that a collections account has been reported. When I looked into it, it said that it was for XXXX. I never received any communication from this collection company and they never attempted to verify the debt whatsoever. In addition, I do not owe XXXX. I don't have a relationship with XXXX. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were XXXX years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and Portfolio Recovery Associates to validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to Midland Credit Management  and XXXX XXXX XXXX to validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital LLC is attempting to collect on a alleged debt that was deemed fraudulent from the Original Creditor XXXX XXXX. They claimed to validated the debt, but couldn't have because the Original Creditor would have told them it was closed due to them determining I never opened the account. Spring Oaks Capital is knowingly continuing and refusing to report unverified fraudulent information which is greatly affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
I would like to dispute the reporting of this bankruptcy on my credit report, as there are discrepancies in the reported dates and closure of the case. I have received documentation from the court indicating that this bankruptcy should not be reported, and that the reporting is coming from an unauthorized third party.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX in the amount of {$2000.00} on XX/XX/2023. I contacted Chime on XX/XX/2023 in regards to my transaction. They made me aware that they was going to do something about it after 10 business days they told me that my claim was denied i informed them that it wasn't the merchant. It was another individual who stole my wallet, and use it at the merchant location. They informed me to open a rebuttle I did, also I sent a written statement stating that the merchant had nothing to do with what happened and for me to try to file a police report. I couldn't file a police report because the police stated that there was nothing that they could do either since I've already tried to reach out to the merchant, I filed Nother rebuttle on XX/XX/XXXX waited 10 business days to XX/XX/XXXX they informed me I was gon na get a temporary credit on XX/XX/XXXX, XX/XX/XXXX came they denied me Once again, I open another rebottle, which is the current one that is supposedly open they told me on or before XX/XX/XXXX. I informed the supervisor that I am not waiting another 10 business days this is the third rebuttal that I've had to open and I need my funds in my account immediately I have already gave you all the information that y'all are needing and I need this to be escalated and fix still no response and so I have no choice but to reach out to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I took out a student loan with Sallie Mae ( now Navient ) for my son attending XXXX University on XXXX. The end date is XXXX and the principal amount was {$44000.00}. 

XX/XX/2022 I received a letter from Navient informing me that the monthly payment decreased from {$270.00} to {$180.00} because they had overcharged my interest. I contacted them on several occasions to see if they could apply the interest amount that I overpaid to the current balance of the note and they declined. The overpayment is {$84.00} per month and if I paid through XXXX, that amounts to {$14000.00}. I want the interest taken off of the principal but I didn't get anywhere with Navient. 

Additionally, I paid off another student loan with Navient for my son attending XXXX and I'm concerned that I overpaid that interest too, but they never informed me. 

Please help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Current Balance : {$630.00} Debt was placed on my credit report and now its damaged my credit bad I keep receiving mails at my residence and receiving emails and feel threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CO

Complaint narrative:
MRS BPO , LLC has been contacting me via email stating that they are collecting a debt for an account I had with XXXX  They are not the owners of this debt as I have spoken with XXXX who says that the collector is XXXX XXXX. I have contacted XXXX XXXX and paid off this debt. MRS BPO , LLC continues to contact me with the account details including the account number and amount of the paid debt asking for payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: IN

Complaint narrative:
I sent in a dispute letter regarding XXXX XXXXe account it is being reported as 30 days late when I was never late and the account is closed. Also XXXX  does not match my other credit reporting agencies equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: The CMI Group, Inc.
State: IL

Complaint narrative:
I got a notification on XX/XX/23 of a negative account being reported to my XXXX credit file. I spoke with XXXX XXXX at CREDIT MANAGEMENT XXXX, who stated that they sent over notification to remove the account from my file due to the original creditor pulling the account back on XX/XX/23. That still do not correct the negative impact to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
This company is falsely trying to collect on an account that they do not own I was told by the rep that they do not own the account so there for there are falsely reporting acting as if theyre a lawyer I have the recording as my proof of them stating that they do not own the debt that agains the law they have know rights to collect on this debt at all they have no contract with the other company National credit systems needs to stop falsely reporting to my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed a complaint to TD bank before. TD bank issued a credit. Now they charge me it back. I sent all evidence with my previous complaint. TD dispute department used same reason to delay my claim. The department cant be reach by telephone or websites. I will be attached all the evidence of my wifes wallet was lost. The all my credit cards and bank card was in side. XXXX XXXX XXXXXXXX credit car was charged at same place of TD bank card charged. I got my money back from XXXX XXXX XXXXXXXX, but TD still claims the charges were my wife.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
My complaint is against United Wholesale Mortgage. I contacted them in XX/XX/2023 to let them know that I was experiencing a pandemic-related financial hardship and requested a CARES Act forbearance. I was told that as my account was current as of that date, I would need to cancel my autopay and then wait until after XX/XX/XXXXo call back. I called back on XX/XX/2023, and was approved for a forbearance plan with an initial expiration date of XX/XX/23. A copy of this approval is attached to this complaint. 

Since that time, I have received several notices regarding my " recently missed payments '' - these notices do not acknowledge the approved forbearance plan and instead advise on derogatory credit reporting, possible foreclosure, deed-in-lieu, and short sale. I called them on several occasions about these notices and am told they don't know why they keep being sent and each representative has confirmed I'm in an active forbearance during those calls. Copy of notice attached. Multiple notices have been received, one included due to page limits for uploading. 

I've also received several calls from United Wholesale asking me if I intend to keep the property, advising me of the total currently past due, and asking if I can make a payment. When I mention the forbearance plan, they acknowledge it and then continue asking for payments and threatening foreclosure or negative credit reporting. 

These calls are incredibly upsetting. The notices and calls all lead with the intent to instill fear in the consumer. These are not " calling for a friendly update on your financial situation '' calls. I took the responsible path and was proactive in contacting the company and making arrangements before any " debt collection '' activity was needed on their end. Why am I getting treated as though I have no forbearance in place? 

My mortgage statement also states that I'm 75 days delinquent and may face foreclosure before another paragraph finally acknowledges the active forbearance. Copy provided with this complaint. 

I understand that the payments during the forbearance will still be due and are not forgiven. I also understand the options available at the end of the initial forbearance. What I don't understand is why I'm being threatened with foreclosure and pressured into making payments that are currently suspended while under an active plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In 2019 GM Financial received an insurance payment of {$13000.00} from XXXX XXXX, and an additional check from XXXX XXXX XXXX for {$12000.00} to pay off the XXXX XXXX XXXX, I had financed with GM financial . Since then, they have placed the vehicle back on my credit score as a charge off. I have had it removed multiple times. But they keep placing it back on my credit report. Ive disputed it, and now they placed it back on my credit report as a charge off again! My credit score plummeted XXXX points as of today. GM financial refuses to properly reflect the vehicle paid off. I dont know if my next step is to get an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I applied for a vehicle loan through a XXXX XXXX dealership on XX/XX/2023. I was approved funding through XXXX XXXX however, the dealership obviously sent my credit information to several different financial institutions to obtain possible funding. As of today, XX/XX/2023 I have received an adverse action notice from GM Financial that is dated XX/XX/2023. To my knowledge, an adverse action notice is to be presented to the applicant 30 days after the receipt of a completed credit application. This notice was remitted a month and a half later! The letter discloses that I can request the specific reasons for denial by contacting the number within the letter. I tried to contact GM Financial, by the number they provided in the notice, however no one could help me. Their customer service representative demanded that I give my SSN or account number. I was not going to disclose my SSN and I was denied an account. I asked if I could give the reference number mentioned in my letter, and was told that was not sufficient. I then asked to speak with someone about Adverse Action Notices/ Denials and the customer service representative did not understand what I was requesting. The CSR then transferred me to another department, which was dealer services, and that was not a valid department for my issues. I watch my credit closely and do not like when financial institutions do not follow the rules and notify customer that they have denied credit in a timely manner. In this particular case the dealership sent my application to multiple institutions, to which I am only aware of the ones that I obtained an approval from, and the 3 adverse action notices. With receiving such a late notice, I am concerned about the number of times my credit was pulled on XX/XX/2023, which can hinder my score. " Too many inquires in the last 12 months. '' With my concern above, when reaching out to GM Financial, I also wanted to obtain the specific reasons for denial, again the CSR could not help me without me providing my SSN or account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: PA

Complaint narrative:
I am writing this complaint against EQUIFAX for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XXXX XXXX, 2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?

Company response to consumer: Closed with explanation