vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
I am writing to file a complaint regarding the sudden closure of my PayPal account on XX/XX/2023. Without any prior notice or explanation, my account was terminated, preventing me from conducting online transactions. 

As a long-standing PayPal user in good standing, I am baffled by this action. I have always complied with PayPal 's terms and guidelines and have not engaged in any prohibited activities. 

I kindly request your assistance in investigating this matter and urging PayPal to provide an explanation for the account closure and restore my account. I believe in transparency and fairness in financial dealings, and this incident has left me without a platform for my online financial needs. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Hello CFPB team! 

I was charged {$4.00} of interest on XX/XX/23 on a US Bank credit card bill because I did not pay off the full balance by the time the statement was due ( XX/XX/23 ). I completely accept responsibility for missing the deadline, and understand why the charged the interest. My issue is that their customer service team informed me that they charged interest on the full statement balance ( ~ {$700.00} ) rather than the amount that was unpaid ( ~ {$15.00} ), and they were unable to waive the fee. I don't think this is fair because I only carried over a balance of approximately {$15.00}, and don't understand why I should be charged interest on the portion of the statement that I already paid off.

Please let me know if I've misunderstood the situation, or if there's any additional information needed form my end.

Thanks in advance for your help, 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 monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems IncXXXX states I owe {$1700.00} which I have paid to XXXX XXXX and is trying to collect on a paid debt by issuing a collection account on my credit report which is against the law. No proof that I owe any such debt and ask that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: OH

Complaint narrative:
The company belonging to the app named ALBERT has made multiple unauthorized transfers from a checking account to an account with them. I signed up to make my own transfers, XXXX, from a savings account attached to the checking account. These transfers have ranged in price from $ XXXX {$35.00} - multiple times each and has caused multiple overdrafts since XX/XX/2023 until current. It has been over {$80.00}. On XX/XX/2023 they charged me {$140.00} for a year subscription that I never selected. In order to receive a refund for that amount, they told me I HAD to commit to their $ XXXX monthly plan. I just want my account with them closed and reimbursed for any of my money that they still have.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX.It is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: DE

Complaint narrative:
Unauthorized inquiries that should be removed. XXXX XXXX services- 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 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Nationstar Mortgage DBA " Mr. Cooper '' has sent me materially wrong statements from XX/XX/XXXX until transfer of servicing XX/XX/XXXX. These statements never reflected the XXXX forbearance program in which they enrolled me. Their customer service department said to ignore the errors in my statements, online, and in their voice response unit. We have made all payments satisfactorily on our mortgage per the contract and modifications. 

When Mr. Cooper sold the servicing of my mortgage XX/XX/XXXX to XXXX XXXX XXXX XXXX " XXXX '', XXXX started foreclosure proceedings stating I was past due for all forbearance payments. The amount demanded is {$60000.00}. 

Furthermore, on XX/XX/XXXX, Mr. Cooper received our signed loan modification agreement after our successful trial payments, and marked it " XXXX passed ''. They then sold our mortgage to XXXX on XX/XX/XXXX, without executing the modification. Their customer service told us that we had to work it out with XXXX and they could not modify the mortgage as agreed. XXXX has charged us the original mortgage amount, term, and payments. 

This has caused us to lose the future value benefit of a XXXX 2.375 % loan modification and caused us to pay approximately {$1500.00} / month more to XXXX. 
I have lost {$320000.00} in future value, and incurred costs of {$360000.00} ( Future value plus market value of a {$450000.00} assumable mortgage for 40 years at 2.375 % APR ; plus my cost to finance the XXXX past due. 

Mr. Cooper has violated truth-in-lending laws, the forbearance contract, and the loan modification agreement, and has failed to transfer the sale of my mortgage, causing great harm. Because of their malfeasance, they have likely inflicted damange on every borrower who went through the forbearance and/or loan modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My bank closed my account due to a peer of mine calling his bank and saying he did not receive services from me, the bank then restricted my account 2 days before I had to pay rent so I had to go in person to receive my money from the bank itself and then on Sunday my account is closed and Im being sent a check, I also can not apply for a new bank account and I work 2 jobs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I deposited my paycheck from work on XX/XX/2023 with USAA. I noticed there's a hold on my funds. When I called customer service, they said the hold is there until XX/XX/2023. 9 days for me to get access to MY money is unacceptable. When I deposited with chase, I'd have everything by the next day. USAA is suppose to be for Military and Veterans but this doesn't help when we can't have access to our money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
My husband 's card was hacked and they got his entire paycheck. I contacted the finance company to attempt to defer a single payment. I was informed that there were no deferment options due to policy charges that were not passed on to the customer. They continuously change their policies and never inform customers about the changes. My loan is nearly paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Longhorn Asset Management LLC
State: CA

Complaint narrative:
Company popped up on my credit report without any communication to me and I dont even know who they are no notice I havent received anything to my home which I have been here 15 years or more I tried to dispute it on my XXXX they said I have nothing in collections but the company is there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following 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 2023-08-17 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: FL

Complaint narrative:
I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MO

Complaint narrative:
My card was compromised on XX/XX/XXXX for XXXX transactions for {$100.00} and {$100.00} this really put me in a whole I tried to dispute and order a new card then on XX/XX/XXXX my dispute was denied instead of investigating for 90 days they denied my dispute and I even sent supporting documents and contacted the merchant they investigated and said my card was compromised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a loan with Truist for a vehicle. The vehicle was totaled on XX/XX/2023. On XX/XX/2023, the insurance ( XXXX ) cleared a payment to Truist for $ XXXX for paying off most of the loan. XX/XX/XXXX was also my monthly payment due date. Due to this payment from XXXX, my monthly payment requirement should have been settled, so I did not pay the XXXX XXXX monthly payment for XXXX ( Nothing on my login showed that this did not count as a payment ). I received a late fee notice dated XX/XX/XXXX in the mail for non-payment. I called Truist immediately upon receiving the notice. They told me the insurance payment of over {$30000.00} did not count as a payment, and I still owed my XXXX payment. They did take off the late fee, but I had to make a payment while on the phone. 

My loan is now paid off due to gap and dealer package refunds, but I am writing this to insure Truist honors payments to an account, no matter who they come from, as they in no way specify these 'insurance payments ' do not count. 

I also want to ensure I get the proper refund for overpayment to my account and get back any interest that may have been improperly accrued.

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 2023-08-17 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: MO

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
First Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$29.00} late fee and {$55.00} interest charges Second Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$40.00} late fee and {$19.00} interest charges I have talked with XXXX and downloaded the Proof of Payments. By the way in XX/XX/XXXX XXXX changed the Delivery Method to 2 business day electronic. Prior to XXXX it was a 1 business day electronic delivery. 
I have talked with American Express. They say the charges are valid and I don't spend enough on the credit card for them to forgive the late fees and interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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 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 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 2023-08-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
On XX/XX/2023 my home was damaged by a wind event. Penmac has been holding the funds from insurance. I struggled for months to find anyone that would work with me to provide these documents PennyMac was requiring to release the funds from my insurance policy that I pay for. 
I previously contacted the CFPB and was told that if I could find a company that would do this, they would release all funds without the need for the inspections. 

I signed with a roofing company that had a quote {$2000.00} higher than any other quote I had gotten, submitted all of the required documentation and PennyMac released {$1400.00} and is requiring inspection now for the rest. 

This was not the agreement made to resolve the prior CFPB complaint. There is now mold spreading through my home, my kids are starting to have headaches and other issues. 

This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
I was on a repayment plan payments they were set up for the XXXX of each month XXXX payment was to be a XXXX XXXX and XXXX thru XXXX draft payment well I noticed that in XXXX nothing was taken out and then XXXX more days nothing I called to see what happened something about my personal bank not going threw keep in mine my bank account has been the same for more then 10 years well they checked and corrected the account and then in XXXX the same thing happened I had to call about my XXXX payment not being drafted the bank but my bank cleared both my XXXX and XXXX payments I had my XXXX payment ready to be drafted on the XXXX again no draft from my bank I called and they informed me my repayment plan was canceled due to some reversal payments back in XXXX now they are stating my repayment plan is canceled due to missing payments how is that possible if my XXXX  XXXX XXXX my bank account has not changed in the past 10 years or more it strange how my XXXX XXXX XXXX payment was apply to the right account and in XXXX and XXXX was processed and cleared my question is who changed my bank account am the only authorized person on the account Please I need help on what are my options I been paying my mortgage for XXXX  years please help on my options to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/ SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ).

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, 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