vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
XXXX XXXX did not credit my bill ( due to outages ) my bill eventually was sent to a creditor the price ranges went from {$71.00} XXXX then XXXX! I have sent a letter to them via certified mail asking the creditor to prove that I owe them this amount of money and they only sent back a bill.

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 2020-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My case with PayPal was denied : XXXX I requested assistance with an XXXX refund problem due to an illegally listed rental that I attempted to cancel but did not receive a full refund for. All NUCs were ordered shutdown in Hawaii in XXXX as non-essential businesses, and on the island of XXXX where this rental resides mayor XXXX has never given the OK for short term vacation rentals to resume operating. It is illegal to operate an XXXX rental on the island of XXXX, this includes advertising your business. I would like assistance with getting my full refund for a fraudulent listing of illegal services. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX The website may update over time, but as of XX/XX/2020 it states : On XXXX, short-term or vacation rentals are considered non-essential business and illegal to operate. 
This is because mayor XXXX has still not allowed them to reopen, for which they have sued him. While I feel bad for their plight, they have broken the law and illegally sold me services when the government has forbidden them from doing so. 

Here are some of the relevant government orders I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The shelter order has never ended. Per the NUC clarification guidelines they aren't supposed to operate or advertise during this period. They broke the law, they ran their their business illegally, I just want my money back so I can deal with a business in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Astra Recovery Serviceshas reported a collection account to my credit file with the credit bureaus.AD Astra Recovery Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attemptingto collect and report this debt to the credit bureausis a violation of the FDCPA. Thisdebt is not valid thus AD Astra has no legal right to report this to my credit and attempt to collect a debt.I never authorized any debt in the amount that AD Astra is reporting. By reporting a debt to my credit Ad Astra Recovery is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: AZ

Complaint narrative:
I sent letters to the Collection Agency : ALLIED INTERSTATE LLC over 30 days ago and they still have not replied. The company has sent a letter to the Credit Bureaus alleging verification that I was delinquent with a collection debt that I owed to you! This allegation may be in error. I would like you to send me the PROOF, assuming it exists in accordance with the FDCPA sections 809a & b.

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 2020-08-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX is listed on my credit report with XXXX. Inquiry from  XX/XX/2020. I did not authorize this inquiry. I called XXXXXXXX XXXX XXXXXXXX and was informed they had no information on me to file a dispute. I tried filing a dispute with transunion however it would not go through. and noone answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: AZ

Complaint narrative:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXXXXXX XXXX XXXX  on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX  about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX  inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

TRANSUNION : This bureau was contacted as well about the inquires and was told verified XXXXXXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report XXXX : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted XXXX XXXX in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

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 2020-08-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I Pulled all three bureau reports to see what was reported and what was affecting my credit. I was greatly concerned that an inquiry from XXXX XXXX XXXX on my XXXX  report. Upon finding information about this company, I found out it was an auto dealer located in XXXX XXXX, SC. I've lived in Arizona since XX/XX/XXXX. I contacted XXXX/XXXX about an inquiry on my report to find out, it was a business account and they have NO information in their database with my social security number. They asked me to reach out to the bureau and I did but nothing was done about it. I contacted XXXX/XXXX   and the same outcome, nothing involving my social security number was in their system. Both XXXX and XXXX conclude that the inquiry was for business and my social security number is not in their system. I don't know who or what is pulling my credit. XXXX XXXX was also on my XXXX inquiry and I did not authorize any of these transaction. I've placed disputes so many times I'm tired. I placed a dispute with the bureau and was informed the information was verified. I worked for places like this and I know they are using the OSCAR system to verify. Because if they were to contact the agencies in question, they would have gotten the same answer I received. XXXX The remainder of these inquires are mine. 

XXXX : This bureau was contacted as well about the inquires and was told verified XXXX XXXX   XXXX XXXX XXXX XXXX The remainder of inquires are mine on this report EXPERIAN : XXXX XXXX XXXX XXXX XXXX ( 2 ) ONE MONTH APART XXXX XXXX XXXX The remainder of the inquiries are mine on this report My final concerns is a collection agency XXXX XXXX : I've contacted comenity bank in regards to an account that was on my credit report. I was told they no longer own the account because the account was sold to XXXX XXXX. This collection agency is reporting on all three bureaus as a factoring company which is incorrect and a reporting violation. It is also being reported as being opened on XX/XX/XXXX but yet being reported as updated on XX/XX/XXXX. I'm totally confused about an account being updated before being opened.

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 2020-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portofolio Debt collector is trying to collect a debt that is not owed. It is on my XXXX  credit my XXXX   and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc would not allow for my account to link! Its my money and my account, so I should be able to link my account to a card if I choose to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.

Complaint narrative:
Chrysler Capital is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XXXX of XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-09 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent Equifax several disputes about a collection account ( {$7800.00} ) being reported on my credit report. Their company has failed to notate on the comments section of the account that it has been disputed which is required under the FCRA. I also sent them a dispute about this account certified mail on XX/XX/2020 and i believe they did not do a proper investigation. Equifax sent me a verification of account letter within days of receiving my dispute letter and didn't provide the evidence i requested in my dispute letter. Their company has broken several FCRA laws and still to this day have not notated on my credit report that this account was disputed. I have all the evidence back up my complaint and i want them to remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: LA

Complaint narrative:
XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX and Transunion reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

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 2020-08-09 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: LA

Complaint narrative:
XXXX XXXX was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my Equifax and XXXX reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
Blitt and Gaines never validated a debt that lead to my checks being garnished. As of this date, they have garnished almost XXXX XXXX dollars more than the amount owed and them not showing any evidence that this garnishment is ending and/or overpaid amount being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 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: Westlake Services, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, Chase does not have information on their website when promotional interest rate are going to end.They make you believe they do by having a link to it, but when you click you entered to a non-ending loop. I called and spoke with a representative and asked him to guide me through their website to see when my promotional ( money transfer to pay off another credit card ) was ending to avoid the payment of the high interest rate, and he said that information was not available on their website.Consumers should have the power and right to see this information on their website as well as you are able to see minimum payment due, balance, payment history, etc. I think is very wrong they don't put these information on their website, so people forget the due date of promotional items and end paying a high interest rate.The Bank is Chase Marriot XXXX, please do something about it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
XXXX XXXX is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XX/XX/XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.

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 2020-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: WI

Complaint narrative:
Hello, I've been getting harassed by XXXX XXXX for over a year now and didn't answer their calls or blocked them because they're a scam company. Just recently a week ago ( late XXXX ) I receive a voicemail from Receivable Management Services LLC about a debt I owe to XXXX XXXX from XX/XX/2020 but the thing is I never ordered anything this year so I don't believe I need to pay this debt. I would like them to stop harassing me and leave me alone because I didn't do anything wrong. 

The amount I owe is {$260.00} from XX/XX/2020 ( NEVER spoke or ordered anything ). I tried calling but no one answered and their mailbox is full. 

Can you please tell them to stop or help me get this resolved so I can live in peace? 

Thanks.

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 2020-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage is my current mortgage company. In XXXX I was contacted by them to lock my in on a lower interest rate with a IRRRL. They wanted to take me from a 3.25 % to a 2.75 %. I agreed, my monthly payment was {$1000.00}, with the new loan and lower interest rate, my new payment was {$1000.00}. I called about this a week out from my close, they told me this was probably going to change when I get my new closing disclosure 3 days before my closes. I never received a new loan disclosure, and was not able to close. I have tried contacting them and no one will get back with me. When I do get in touch with someone, they promise to call back and never do. Now I have no clue what to do. Should I ask a new lender to help me out? Not happy with Freedom Mortgage at all.

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 2020-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
I have a XXXX XXXX credit card. I fell behind on payments in XXXX of XXXX. The balance on the collections letter is XXXX. I missed XXXX, XXXX, XXXX yet made a payment in the amount of XXXX on XX/XX/XXXX despite being unable to work to Covid-19 since Mid XXXX. I made two more payments in the amounts of XXXX on XX/XX/XXXX and another in the amount of XXXX on XX/XX/XXXX. The letter asked that I pay XXXX before XX/XX/XXXX and then my account would be considered " resolved. '' I paid XXXX before XX/XX/XXXX! 
I spoke to a collections person explaining why I missed XXXX and then subsequently how Covid 19 rendered me unable to pay because we had no idea what was going to happen and were unable to work due to a shutdown of all work in my area of NY and pandemic unemployment insurance payments were being held up in NY. He wanted me to commit to making payments which I could not, because i was unaware of my financial situation due to Covid. I told him I would make the payment through the XXXX XXXX website when I could. Low and behold, I made all these payments and it was not reflecting these payments being made. In fact, it states that i have a balance of XXXX currently on the XXXX XXXX website despite having made these payments directly TO the XXXX XXXX website. The also imposed a XXXX late fee on XXXX XXXX   payment though I had paid nearly all of the balance in XXXX. 
When I called the collections agency explaining the payments I had made, the jerk got on the phone again, he asked me how long I had been in business, to which I replied over 30 years. He congratulated me sarcastically and then asked why I had no money having been in business for so long! I reminded him we were not allowed to work. That this was a PANDEMIC. Absolutely unacceptable. I called him a few choice names and hung up on him. 
I do not have a balance of XXXX as stated online TODAY, XX/XX/XXXX, with XXXX XXXX nor is it being reported correctly on my credit reports which i have also filed disputes with. 
Another important thing to mention is that during the early stages of the pandemic, In XXXX, XXXX XXXX was ENTIRELY shut down. The had no one to help in customer service, the stores shut down. You could not speak to any representative in any department and they had an automated voice saying so and that you should call back. I tried to call XXXX XXXX to discuss my payment problems, tried to apply for Covid assistance ( deferment ) through XXXX XXXX online to no avail. My account was closed, not by me. This was outrageous because of the unprecedented situation nearly every American was and ( millions ) still are in. Next thing I know, I get a letter from collections.

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