vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX we notified American Express that they had paid out of our account fraudulent claims, We were told that it would be turned over to the fraud department, XX/XX/XXXX tthe fraud department told us that we must submit a claim which we did. 
Talked with reps from the fraud department on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Each time we were told that they were working on it and the funds would be put back within 10 working days, This has not happened, On XX/XX/XXXX I asked to speak with the fraud department supervisor and was told by XXXX that she could not transfer me but she would notify the supervisor and they would call me within 48 hours, Never received a call back, American Express Savings does not seem concerned about them paying out funds that were not authorized by the depositor, As you can see we have made every attempt to resolve this matter to no avail,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
See below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

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 2023-10-16 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: CO

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation is the result of a misunderstanding or error, as I have always strived to comply with PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various legitimate transactions and have made every effort to adhere to all terms and conditions set forth by PayPal. To the best of my knowledge, there has been no suspicious or fraudulent activity associated with my account. 

Understanding the importance of maintaining trust and security within the PayPal community, I kindly request that PayPal re-evaluates my case thoroughly. I believe that upon further review, it will become evident that this limitation was not warranted. It is my sincere hope that you will consider lifting the limitation and reinstating my PayPal account. 

I value the convenience and security that PayPal provides for online transactions, and I would like to continue using your services. I am more than willing to provide any additional information or documentation necessary to assist in the resolution of this matter promptly. 

I am confident that PayPal 's commitment to fairness and customer satisfaction will guide you in making the right decision. I kindly request a second look at my case, and I hope to see my account fully restored in the near future. 

Thank you for your attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The store is Kohl 's. 

On XX/XX/XXXX I made a return for the amount of {$160.00}, and made a payment for the amount of {$160.00}. 
Then I made a purchase on XX/XX/XXXX for the amount of {$100.00}. 
That leaves a credit of {$56.00} on there XX/XX/XXXX statement. 
Then I made a purchase on XX/XX/XXXX for the amount of {$61.00}. 
I used up my credit and owe {$5.00}. 
When I saw that they billed me {$61.00} on my XXXX XXXX, XXXX statement, i called and spoke with XXXX XXXX case # XXXX ). I spoke with her that I have a credit. She said they can not go back in there system ( XXXX ). I asked her if she would like me to email or fax the statement. She said " no ''. She can not receive faxes nor emails. So then I asked to speak to someone that could go back to XXXX. She said no one is here to help. So I said I will go into the store. Spoke with XXXX ( XXXX ). He said does not have access to my account. I paid the difference of {$5.00} on XXXX XXXX. The billed me again for {$86.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
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 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 2023-10-17 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: Experian Information Solutions 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.

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 2023-10-16 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: NC

Complaint narrative:
The following accounts below are in questioned : XXXX XXXX with account number XXXX Each bureau reports a different date of last activity I disputed with the collection agency and they said they don't have record of this account XXXX XXXX  with account number XXXX 3 different dates listed under " date of last activity '' Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 
The collection agency didnt send me anything to verify this account, so how did you verify it? 
Wheres the documentation? Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediately. 
I need to see all paperwork associated with this account. 

XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX Each bureau reports a different date of last activity Please send me all business and transaction documents to prove that this account was legally verified How can this still report on my credit when I notified you that it was paid and they said theyd remove it?

Unverified and illegal reporting, remove immediately My consumer rights, as outlined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), explicitly state that transactions between me and the reporting entity should not be reflected in my consumer reports. Strangely, XXXX, Equifax and XXXX seems to have overlooked this provision and is reporting information that should be excluded. This oversight amounts to a blatant violation of Metro2 compliance. I request immediate access to the Metro2 compliance disclosure pertaining to the reporting of transactions to consumer reporting agencies.

I am not interested in validations or verificationslet 's clear that up right away. My concern lies in the erroneous reporting of transactions, such as late payments, collection/charge-off status, and other derogatory details, which need to be expunged from my consumer reports without delay.

Adding to the complexity, some negative accounts have been categorized as Collection/Charge-Off Status without the courtesy of receiving IRS form 1099-C Cancellation of Debt. This is not only irregular but also a violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities.

Should this derogatory account information persist on my consumer reports beyond the next 30 days, I will be left with no choice but to submit an official filing with the Internal Revenue Service. My action will involve IRS form 3949A : Information Referral and IRS form 211 : Application For Award For Original Information Overview against all entities involved. I trust you understand the urgency and gravity of rectifying this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submitted disputes expressing these companies were in violation of consumer law. I have been a victim of identity theft and these companies still proceeded to report these negative collection accounts i don't have any knowledge of. Also these companies shared my personal information with dept collectors without my knowledge or concent. And also refused to supply me with their detailed process that deemed these accounts to be correct and accurate thereafter.

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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
I opened a new account with BoA and upon receipt of the new card I also received a fraud letter. Upon getting that letter I was told I would get a letter on how how to validate. A few days later I then get a bill for the annual fee on an account I can not use so I called to figure that out, again told they cant do anything as I cant validate my account. Talked to a fifth person and told I can verify virtually but the system to set that up doesnt allow such without an online banking account, which I can not create without verification so was given the phone number to a branch in XXXX XXXX KS which does not answer the phone at XXXX XXXX CT after 40 mins of repeated cycling back and forth in the automated system to no avail. Called back again, got the option to have them call back when we person was available which they they then hungup before connected to an agent so tried calling back again and got a person who at this point I was clearly irritated due to the total waste of my time with hours of invested already and just want to close this account, which I was told they cant because I cant validate. This is circle that will not or can not get resolved by the BoA and they seem unwilling to resolve knowing I am hundreds of miles from a branch and they offer no other resolve.

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 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I had until XXXX XXXX  on XX/XX/2023, I paid them and went to pick up my car I did not know they destroyed my license plate I didn't know it was considered private property. So they told me at the auction I could go so secretary of state and pay XXXX dollars. I went to secretary of state and they said my title was no good. I call credit acceptance and ask them what to do, they say well it should be in the mail in about XXXX weeks. I asked them why I wasn't told that before I made my payment and they said that's their policy. I also asked how could they sale my title before the date they gave me to pay it? That's their policy. Their policy can have me possibly losing my job. I spent all my money getting the vehicle I don't have money to take a XXXX  to work.

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 2023-10-16 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: TX

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I took out a HELOC with Huntington National Bank in XX/XX/XXXX. It is an interest only loan. My plan was to pay the payments plus extra to pay-off the principle. 
My first payment was a very reasonable {$220.00} at an interest rate of 3.49 %. 
Since then, the payments have increased nearly every month until my latest payment is a whopping {$1000.00}!!! at an interest rate of 8.74 %. And, once again let me point out that I am not even getting the loan principle paid down! 
When I was speaking to a friend about this crisis, they suggested that certainly I must be approaching a cap on the increases. So I got out my paperwork and discovered that the cap is 18 %!!! My wife and I will have lost our home long before we could ever reach that cap in payments. 
I've talked to my branch lone officer twice. I have retired during the past two years, so I can not qualify for a mortgage to replace this HELOC because my income is now too low. Meanwhile, this HELOC now requires more than half of my income to pay!!! 
They gave me paperwork for getting into a program to only make partial payments- during which time the interest would continue to accumulate. That choice would only balloon the loan to be completely unpayable. Plus the forms state that getting in that program would affect my credit rating. 
I tried to contact someone higher-up in Huntington, so that I could speak to some executive who could perhaps offer some real help. But I could find nothing online for that. 
I phoned into Huntington two times to register complaints about this situation. The first time on XX/XX/XXXX I was told my complaint was expedited and someone would respond by XX/XX/XXXX. No one contacted me, so on XX/XX/XXXX I phoned in again and was told my complaint had not been expedited after all. So the person I talked to opened another complaint.. I was transferred to a Supervisor, who refused to transfer me to anyone higher in the organization and simply pointed out that I had signed the loan papers. 
At that point, I decided to contact the CFPB. 
I feel that I was " rooked '' by Huntington Bank. I never imagined in my wildest nightmares that this loan would skyrocket this way and nothing I was told pointed it out in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
In accordance with the fair credit reporting the following : XXXX XXXX ( XXXX XXXX XXXX ) Nationstar/Mr Cooper ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX  ( XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX ) has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 U.S. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
ECSI I has become the new servicer of an erroneous student loan and has been requesting payment of {$2500.00} which also shows up on my credit report only as of XX/XX/XXXX for a loan opened on XX/XX/XXXX ( it went unreported for 14 years according to ECSI 's records ). I have contested this loan as multiple times as the university with which I initially took the loan has confirmed that I do not have an outstanding balance and provided me with my final XXXX balance tuition bill ( which I have also shared with ECSI ). I have repeatedly asked ECSI to explain where this {$2500.00} is coming from and why is it showing up on my credit report a decade later and they have not responded. I had one loan in the amount of {$3000.00} which was in fact opened thru the university in XXXX and was paid in full by XXXX ( I also have the confirmation of this final payment from XXXX XXXX XXXX Dept of Ed XXXX XXXX and provided that to ECSI to no avail ). I have received correspondences from ECSI and XXXX ( not sure the affiliation ) regarding this incorrect loan of {$2500.00} as well as provided them with documentation affirming that but they have not responded nor requested that the account be closed so it can be removed from my credit report. Please help in resolving this issue as I have been unsuccessful in getting an meaningful response from ECSI.

Company response to consumer: Closed with explanation