vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom it may concern. 
My full name matching my passport XXXX XXXX ; Im from XXXX and I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. 

PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX, XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about these corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward to your reply. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive written letters to Experian twice pertaining to removing old addresses from my account because I could be susceptible to identity fraud. All they do is update the same information. I dont live at the addresses and Im not reachable there as well. I need this resolved 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 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This collector put a collection in my account that is not mine. The Same company tried this back on 2019 and it was removed by the credit bureau due to fraud and now they using this collection company to scam me to pay a depot that I ever owned and is not mine and clearly identity theft. 
I have XXXX debt I pay all my pills before due time in full. My certificate was XXXX and dropped 84 point due to this fraud scams. Please help me I am a veteran or XXXX XXXX abs have been working to bring my cedit up for over 10 years this is nit fair please help me. The collector name is first federal credit control for company called XXXX XXXX XXXX. Please help me to stop this criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bliksum, LLC
State: AZ

Complaint narrative:
At the end of XXXX, I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, to help me lower the overall payments/rate of the payday loans I am currently paying on. As of XX/XX/2021, XXXX XXXX took charge of four payday loans. One of those loans was through Loan MeXXXX XXXX. XXXX XXXX however, still wrongfully debited my Checking Account in the amount of {$190.00} on XX/XX/XXXX. I let that one payment slide since I just joined the payday loan settlement group just a day prior. On XX/XX/XXXX, Loan MeXXXX XXXX yet again wrongfully debited my checking account in the amount of {$190.00}. I contacted my bank, XXXX XXXX, and they mentioned contacting the loan company first to inquire about the mistaken charge. When I spoke to the Loan Me/XXXX XXXX agent, I was told there was nothing on my account regarding stoping ACH withdrawals or that they were contacted by XXXX XXXX XXXX XXXX I knew the lady/agent was either certainly lying and/or whomever XXXX XXXX XXXX spoke with was a shady agent and did not do as they were told. I then reached out to XXXX XXXX to confirm they did in fact contact Loan MeXXXX XXXX and sure enough, they did. I have not had any issues with the other three payday loan companies XXXX XXXX XXXX is dealing with on my behalf, so I truly believe they were telling me the truth. Afterwords, I contacted my bank and asked them to put Stop Payments on Loan MeXXXX XXXX. I looked at my checking account on XX/XX/XXXX, and much to my dismay, Loan MeXXXX XXXX once again debited my checking account for {$190.00}. On XX/XX/XXXX, I recently e-mailed XXXX XXXX  inquiring what happened to my previous Stop Payment request and truly hoping this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have bought a headset from XXXX for XXXX dollars which arrived defective and does not work. I tried to resolve the issue and requested to return the item and get a full refund. But XXXX refused and so I disputed the charge with my credit card company capital one and they did NOT resolve the issue and just rebilled me for the disputed amount of XXXX dollars the case number at capital one credit card is XXXX Also I bought watches from XXXX for XXXX dollars and they arrived missing parts and defective and the seller only refunded me XXXX dollars as a partial refund for the defective items. But I paid XXXX dollars so XXXX disputed the charge with capital one but capital one did NOT resolve the issue and rebilled me for the disputed amount of XXXX which the seller still owes me from the total that I paid him .I was scammed with defective items and capital one is NOT helping me at all and charging me back the disputed amounts The case number at capital one credit card XXXX I want capital one to refund me the 2 charges I disputed and they rebilled me for them which are XXXX dollars case number XXXX And the XXXX dollars case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a marketing email from Mr. Cooper mortgage stating I could save {$28000.00} if I refinanced my existing mortgage I have with them to a 15 year mortgage at 3.375 %. 

Mr. Cooper fully knows my existing mortgage is already a 15 year mortgage at 3.75 % and a remaining balance of {$70000.00} ( original loan amount {$190000.00} ). Pray tell me how I can save {$28000.00} over the life of a mortgage when the proposed interest rate differential of just .375 % represents an annual savings {$260.00} on a {$70000.00} balance which if I somehow were to save that much every year for 15 years would only be about {$4000.00}. Reality is the savings would only be about {$2000.00} due to declining balances over the 15 years. 

Mr. Cooper also knows I have only 5 years left in my mortgage if I made minimum payments. Mr. Cooper also knows I have been paying $ XXXX in additional principle each month for well over a year and slightly lesser amounts in previous months. At my current pace I only have 3 years left and the total amount of interest left if i continue at my current repayment rate is only {$4000.00}. My closing costs to refinance alone would probably approach the {$4000.00} figure. 

The claim I can save {$28000.00} is fallacious and abusive to consumers. This doesn't even pass the XXXX test. I can't fathom how whatever calculation method they are using passed muster with their compliance and or legal teams knowing the risk involved under UDAAP. 

I want Mr Cooper to cease and desist from this marketing campaign until the CFPB is fully satisfied that proper audit and screening procedures are put in place to ensure the accuracy of savings claims they put in front of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: RI

Complaint narrative:
In XXXX of 2021 I received notice that my mortgage is increasing from {$1100.00} per month to {$1700.00} per month. They said because taxes have gone up. Property taxes on my house is {$4300.00} per year. They told me that they have increased to {$7800.00} per year. I contacted the town of XXXX, RI and asked them if this is true. They told me NO it is not. Then Amerihome Mortgage Company said it is a UTILITY tax placed on by my town. Again I went back to the town hall and they said there is no such thing in this town or in the Stated of Rhode Island. I again went back to Amerihome and I sent them a copy of my Property Taxes and they said they would so some research on it. When I called they would not give me a copy of this Suppose Property Utility Tax. Nor would they tell me where it came from. I contacted several other mortgage companies here in Rhode Island and they said they never heard of it before. Amerihome refuses to give any evidence showing this so call Utility Tax. Can anyone help them from trying to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just received today once again the same resposne from Experian.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), XXXX XXXX claim was disputed and validation was requested. Neither EXPERIAN nor XXXX XXXX provided any proof whatsoever. 

I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that Experian or XXXX XXXX provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Provide me with copies of any papers that show I agreed to pay what you say I owe ;

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 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMONWEALTH FINANCE Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX reported age of this account is 4 months and the open balance shows {$2000.00}. 

On my credit report I pulled up this inquiry for the above information and I have never hear or have any knowledge of what this would be and why. 

I have no records of ever receiving a notification via by mail or email nothing with this inquiry information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
My XXXX XXXX Account was hacked and scammed using Zelle. The scammer was able to hack my account and deplete my entire account. I called XXXX XXXX and made a dispute however was informed that more than likely it would be rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to Equifax over 30 days ago and have not received a reply or response. I will attach the letters that I have sent. They have violated multiple laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: MS

Complaint narrative:
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On Friday XX/XX/XXXX. I called Experian to file a Dispute with XXXX. XXXX Charged off an account in my name even though I had a payment agreement with them due to covid. when filing a dispute with Experian they ask for the reason and 1 of the options is " Due To Covid ''. so I explained to the representative at Experian that my problem was due to Covid 19 Pandemic. 
On XX/XX/XXXX I received a update on my dispute from Experian and they said that the information was accurate. why would Experian offer covid 19 as an option for a dispute even though I was truly affected by Covid 19? 
The XXXX Account was charged off for {$760.00} eventhough I had a payment agreement with them. Just seems like these companies are working together to hold me back

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Good morning. When I got married to my husband, for some reason his home address got onto mine. Because of that, I had a hard time confirming my identity. Then when I bought my house, even the lender asked me if I lived there & own the house. Obviously, I never lived in my husband 's house ever in my life & his parents owned it. Please assist in removing that address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Financed new car with Hyundai Motor Finance in XX/XX/XXXX. Sent payoff to them in XX/XX/XXXX which was overpaid by {$510.00}. They sent a check in XX/XX/XXXX for the overpayment which had been voided when I received it. I have called multiple times to ask why check voided with no answer to date. Also have asked for reissue of check. As of today XX/XX/XXXX there has been no reissuance check for the overpayment. The company just says they will look into it. I would like my refund

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 2021-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XX/XX/2020. I entered XXXX XXXX I extended them via my SSN card, expecting a consumer credit transaction. ( You entered me in a empty and fraudulent alleged contract ) In turn my contract was filled with Truth In Lending Act Violations. 

See labeled violations 1. 15 USC 1602 wording like US and We isnt defined in Truth In Lending. The wording is intentionally deceitful and misleading in an attempt to confuse me as the original creditor. Also is an attempt to mislead me into thinking Im the debtor. 

2. 15 USC 1605 Determination of a Finance charge clearly states the finance charge does not include charges of a type payable in comparable transaction, meaning there is never to be cash need or accepted in a consumer credit transaction items # 2 # 5 # 6 show I put {$1500.00} in cash in the transaction. 
Also # 4 shows I make monthly payments on a loan from Credit Acceptance Title 15 Chapter 41 does not define a loan I have no idea what that is. Im came in for a consumer credit transaction there is to be no cash involved. 

3. 15 USC 1605 Determination of finance charge, also states the finance charge is the sum of all charges. So why wasnt my on insurance ( XXXX, XXXX XXXX etc ) including in my finance charge. Total payments # 3 show cash given out amount, but the finance show lower amount which is the sum of all charges right?. 

4. 15 USC 1635 Right of rescission as to certain transactions, say the creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, any obligor in a transaction subject to this section the rights of the obligor in under this section I was never given disclosed of my right see attachments

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 2021-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good morning. When I got married to my husband, for some reason his home address got onto mine. Because of that, I had a hard time confirming my identity. Then when I bought my house, even the lender asked me if I lived there & own the house. Obviously, I never lived in my husband 's house ever in my life & his parents owned it. Please assist in removing that address. Thank you.

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 2021-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute the following information that appears on my [ TransUnion, XXXX, or XXXX ] consumer report : XXXX XXXX SS. XXXX DL XXXX After recently reviewing my credit report I notice several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ) in the ( Balance ). It is your duty to ensure that all information reported is consistent a most importantly accurate and credit report agency failed to do so. I request DELETE this erroneous item immediately. That affect my credit am my self with out reason. Also am try to get my sold letter with my lender until XX/XX/2021 and they bring excuses still work in it. 

Dispute Account for Lenders or Institutions ( Inaccurate Reported ) - XXXX XXXX XXXX XXXX For the Following Reasons : Balance of {$4000.00} is Inaccurate Reported Paid as agreed on XX/XX/2021 Balance must be in XXXX account paid Sincerely, 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 explanation