vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I attempted to make a {$100.00} payment to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  through PayPal on XX/XX/XXXX. The payment method selected was my XXXX credit card ending with XXXX. Please see screenshot attached that clearly shows the payment method selected. 

Despite selecting my XXXX card as the payment method, PayPal ended up using a different payment source linked to my account, which was a XXXX XXXX XXXXXXXX checking account, without my explicit consent. 

I then submitted a dispute on the PayPal website requesting a reversal of the payment, but did not receive a response. On XX/XX/year>, I spoke with a PayPal customer service representative named XXXX, who acknowledged the error was on PayPal 's end and assured me that a credit would be issued back to my account by XX/XX/XXXX. 
However, I you followed up on XX/XX/XXXX due to a lack of communication from PayPal, the representative I spoke with, named XXXX, claimed that the back office refused to reverse the payment, contrary to what XXXX had previously stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In XXXX of XXXX, I obtained a loan for approximately {$4700.00} from XXXX. When I obtained the loan, I had it set up for automatic withdrawal from my checking account and provided them with my account number and routing number. I also requested telephone contact or email if there were any problems with the account. 
Up until XXXX XXXX, the direct withdrawal went on with no problem. On XX/XX/XXXX, we signed a contract selling our home and attempted to sign the paperwork on our new home, and my wife was informed that I had a 30 to 59 day late hit on my credit score, and that my credit score had dropped considerably. This Late report was from the XXXX XXXX. 
My wife then contacted XXXX via the telephone to find out what had happened. The credit union stated that they didnt know why the direct withdrawal had stopped, and that they could not explain why we were not contacted. They told my wife that they would file a dispute to have this removed from my credit, but that it would take up to 30 days! She told them that we needed it sooner than that, and they said all they could do was give her a letter saying it was in dispute. 
I then called XXXX and explained to them that this was not acceptable, and that because of what they had done, it had dropped my credit score from XXXX to XXXX, dramatically effecting our ability to qualify for our home loan. Keep in mind, our existing home is now under contract. This essentially renders us homeless unless this is corrected. They told me that they had filed the dispute and thats all they could do. 
I contacted XXXX today to see if there was anything they could do, and they informed that there indeed was the 30 to 59 day late hit on my credit report. I explained the situation to them and they informed me that there wasnt a dispute filed yet, and they helped me file the dispute. They told me this could take up to 30 days. 
Due to all of this, we were not able to qualify for the conventional loan for our new home. Our lender was able to get us qualified for an FHA loan which now will cost us higher interest rates and we are barely able to qualify. This will additionally cost us nearly {$15000.00} in additional loan fees all because of this one report. 
It is not right that a lending institution simply stops an automatic withdrawal on a loan, fails to notify me, and then reports it on my credit score, thus causing thousands of dollars in damages to me. Mountain American Credit Union failed me an my family. This was a shock to me, my wife and the lender that has been helping us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account Number ( XXXX ) I Was not late on the falling day XX/XX/year>

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account Number ( XXXX ) I Was not late on the falling day XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account XXXX ( XXXX ) I Was not late on the falling day XX/XX/year>

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 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 non-monetary relief
Consumer complaint received 2024-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
on XX/XX/year> i was using cashapp to buy a service in which the service was never sent to me the person i sent the funds would end up blocking me taking my {$250.00} and not giving me the product i was trying to receive i then asked cash app for a refund in which there support team said the transaction was finalized and i could not refund it without contacting the seller

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have XXXX credit cards with Chase Bank. Neither were near their balances. I have been traveling and using the cards. On XX/XX/year> I received a notice that they cut my credit lines and cut them back to near their balances so now the cards appear to be nearly maxed out. I have no history of late payments. I had an auto loan with them that paid off a little early. I have no late pays on any of my credit accounts, but chase decided to cut my line to make me have XXXX maxed out cards. I contacted them via messenger because it was late at night when I received the notice. I was told I'd receive a response with in XXXX business days. on XXXX I received another letter stating they'd stop trying to contact me regarding my concern, but I could call if I want to discuss. No one has contacted me about the concern that they are now going to damage my credit score by reducing my lines and having XXXX maxed out cards -- because of them, not me. I find it very concerning that no one reached out and now " they're going to stop '' trying when they didn't start. This is absolutely unacceptable and harmful. I have had a relationship with them for nearly XXXX  years and not a single late pay. This was unwarranted and damaging to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
NTL Recovery Acgency with the amount of XXXX. The date XX/XX/year>. I do not know about this nor do I no the company that it is from. I do not owe this money that is been showed here.

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 2024-06-07 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: TX

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 XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX beginning at XXXXXXXX XXXX PST I received emails from USAA confirming I had been added to a personal profile as a member 's child ( I am neither a child nor a member of the XXXX XXXX ). They then were able to create a checking and savings account in my name, update the account preferences, and link an external account to the new accounts. I received nine consecutive emails from USAA about the creation and modification of the accounts, the final email that evening from USAA was received at XXXX XXXX 
On XX/XX/XXXX at XXXXXXXX XXXX PST I called USAA using the number on their website and spoke with a representative named XXXX about the emails I received, he was understanding and helpful. He took down my information and details about the incident and confirmed USAA 's fraud team would reach out to me later today ( XX/XX/XXXX ). 
As of XXXXXXXX XXXX on XX/XX/XXXX I have received no further communication from USAA. While I am confident that I will receive some form of follow up I am concerned about how an individual was able to open accounts in my name, using my email address ( which has not been compromised ), with no verification.

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 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I got scammed online, i tried to selly my things on XXXX  and someone texted me that since i got a buyer i need to verified my account on XXXX and then theres one person ( customer ) text me too that she/he already paid the sfee and the price that im selling so i need to veriefied, the person who said she/he working on XXXX said that i need to activate my account and everything so they can give the shipping details of the customer, they said i need to send money {$750.00} for activation and after that they gon na reimbursed me with the payment of the customer and its my first time using XXXX XXXX so i thought its really like that so isent the money because i want my customer to know that im not scammer and i can ship the items right and XXXX asking for money again, and i keep sending money because i want to reimbursed my money thats why, so i contacted the bank and they give temporary claim but after almost a month they got a decision and now they keep getting the money back from them so now i got a negative account. I need help because im Just  a XXXX that wants to sell my things to help for my tuition fee but they didnt considerate it. I hope you guys can help me with these now i got overdrawn on my bank account and i dont know how im gon na pay for it but the bank decided to close my bank as well but for sure i need to pay that money. i will send an attachment on the email because its hard to upload files in here.

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 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
A friend 's XXXX account was hacked where he was selling some personal items. He requested people to Venmo him a downpayment on items. The Venmo account was not the XXXX owner 's. It was a fraudster. We sent the money via Venmo and quickly discovered the fraud. We reported it to Venmo. They did absolutely nothing. If they are providing payment services they should be subject to consumer protection laws. At a minimum, they should have a clear process for disputing charges or reporting fraud. Instead, they are aiding and abetting a criminal. Now they are KNOWINGLY aiding and abetting a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This is a follow up to a previous CFPB complaint # XXXX, which was mishandled and lied to me by PHH Ombudsman

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
They are not putting my late fees that I have paid into the part of my loan account that shows that they have been paid. They keep putting them under " unapplied funds '' or whatever!! 
I have paid them,, update my account correctly. I have contacted several times over this and yet still cant get problem fixed. 

Apparently from the last letter I just received from them I have {$110.00} I have paid in and yet they are just hanging around? what?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caneel Capital, LLC
State: IL

Complaint narrative:
In XXXX of 2023, Trinity Financial Services ( TFS ) filed for foreclosure on my property. Through deed research and speaking with the TFS attorney, XXXX XXXX, it was determined that the property had a lien on it in error. The foreclosure was then dropped and filed on XX/XX/year>. The issue with this is that TFS has never issued the XXXX release of my property. I have called them several times trying to get this released and spoke with a supervisor named XXXX. After calling them for approximately 4 months, and being sent to XXXX 's voicemail several times, the only information I was getting was that it was sent to the legal department. I can not move forward with building a house on my property until I have a XXXX title due to lending agencies requirements. It has been plenty long enough get this sent. 

The property that was foreclosed on is XXXX XXXX XXXX. The paper work included my property description in it in error. I am specifically stating this because this is what XXXX used to look this cases information up. They said they had noted the account with my call ins. 

Any more information needed, please request. I likely have it already through my discussions with the bank who put me in this position and different attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independence Capital Recovery, LLC
State: NJ

Complaint narrative:
Independence Capital Recovery illegally accessed my personal information and provided it to XXXX XXXX XXXX for a collection of a debt I do not owe. I requested validation of debt and instead of providing it, XXXX XXXX XXXX choose to make fun of the way I requested it and never actually addressed my concerns by providing the proof. I am in no way financially obligated to either of these companies and for this reason they should both cease and desist as it goes against US Consumer Rights.

Company response to consumer: Closed with explanation