vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
I took out the loan in XXXX of 2018. I mailed my first payment on XX/XX/2018 which would have paid my first payment on time. I called after the payment was debited from my bank account but was not applied to my loan. I spoke to several employees each time providing conflicting information regarding my payment. I have proof that I paid I have the cancelled check copy and bank statement. I was told to email the customer support the documents. All email addresses provided were not valid and mail was always returned. I can provide a screen shot of my email account proving this. I continued to call and pursue resolution. While this was happening they were reporting my account as delinquent and brought my credit score down XXXX points. Finally in XXXX I had enough of calling and talking to different people not getting any explanations. I went into a store location in person and provided the proof that I paid. I was told by a customer service representative working there that Oportun applied my payment to another loan that was not mine.They were penalizing me for non payment when I did pay they just did not apply my payment to my loan. My account with Oportun is being reported as delinquent twice a month every month due to an error on their part. As soon as the first payment was applied to my account, I made another payment. I do not feel it is right that they took four months to resolve my First payment and are penalizing me for taking 4 months to figure out where my payment went. I was unable to pay during the dispute as my payments were not being applied to my account. I have a 98 % on time payment rate on my credit score. I have other loans that are always paid on time. I do not feel I should be penalized because of Oportun 's error. I have worked hard the past couple of years to bring my credit score up. This company not only trashed my credit but expects me to pay interest on the months that they could not apply my payments to my loan. I was on top of this right from the start. I began calling in XXXX and continued to call every two weeks for the entire four months it took to resolve this. I have made countless calls spoken to several people and all they can say is sorry we understand please pay off the loan. I believe I should not have to suffer for the mistake on their part. This company is horrible. If you call to speak to a specific person they are unable to connect you. I was in contact with Supervisor of Collections XXXX XXXX several times but only when he personally called me. I am never able to be connected to him and every time I call I have to take the time to explain the entire situation over and over again. I am a responsible person trying to build credit and this company and it's inability to operate properly has ruined all the work I have done. I hope no one else falls victim to this awful company like I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2019 I attempted to access my checking account online. It says 'there is no account activity for the past 120 days ' even though there had been multiple transactions just that week. I am able to login and view all transactions on my other accounts, but simply the checking account has had all information purged. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care, and spoke to them for 30 minutes. We did basic troubleshooting, and they created a case for me. They told me to expect a call back within 24 hours. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 11 minutes to which they provided me more information on the previous day 's call, and informed me that the problem had been fixed. It had not been fixed. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 57 minutes to which they told me that they would forward the information to the executive relations team after I begged that they allow me access to my bank transactions. 
XX/XX/XXXX at XXXX XXXX, I called Ally 's customer care and spoke to them for 24 minutes to which they informed me that the executive team should be contacting me. 
XX/XX/XXXX at XXXX XXXX, Ally 's executive team reached out via email. They stated that an issue had been identified, and that a fix had been applied on XX/XX/2019, and that I now had access to my transactions. Regardless of what was applied or identified, I still do not have access to my transactions. I am relegated to calling in daily to have somebody read me my financial transactions.

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 2019-05-24 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The reason for my filing of this complaint is that this company is still reporting an account that It has fully failed to validate as required by the FDCPA. I first requested validation of this company account on XXXX. And until today I am yet to receive any validation response that I had requested. 

As a result, I am preparing to file a lawsuit against this company should they fail to remove this unvalidated account from my report as soon as Now. BELOW is the unvalidated collection account that I need to be removed from my report ASAP : PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} PORTFOLIO RECOV ASSOC XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} I am attaching for your reference : 1. My earlier request for Validation I sent to this company 2. My small claims form prepared to proceed with court filing in case they fail to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: TN

Complaint narrative:
THE COMPANY IS CHARGING MORE AND MORE ON INTEREST ETC. I WAS TOLD IN XXXX TO MAKE A PAYMENT AND I WILL GET AN EXTENSION IN XXXX. I CALLED IN XXXX TO PAY A PARTIAL PAYMENT WAS TOLD BY THE REPRESENTATIVE THAT I WAS NOT DUE UNTIL XXXX ALL NEED TO PAY WAS XXXX DOLLARS. I TALK TO SEVERAL REPS WHO DID NOT MAKE SENSE ON WHY I WAS TOLD THIS AND IT IS MAKING ME BEHIND IN MY PAYMENT. THE COMPANY HAS COMPLAINTS OF HOW CUSTOMER SERVICE AND THE COMPANY GIVES WRONG INFORMATION AND HOW THEY ADD INTEREST THAT MAKES THE PAY OFF HIGHER. THERE IS A CLASS ACTION SUIT AGAINST THIS COMPANY

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 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
LoanCare has not provided a lien release on our home. The funds were wired from our XXXX XXXX   account on XX/XX/XXXX. I did not realize release had not been done until early XX/XX/XXXX when my wife and I was in the middle of another business tranaction. This has caused that process to be stopped until this gets resolved. My first call to LoanCare was on XXXX at which time I was told by servicer it would be resolved within 3 business days. I checked with county recorder website on XXXX and release had not been done. I called back immediately on the same day and was told it would now be escalated and an e-mail sent. The e-mail stated I would be contacted in 3 business days. This did not occur. I called again on the XXXX and servicer including manager told me it would be done in one more business day and I would receive a call with update. That again did not occur. I called today XXXX and was told again they had no further information. I asked to speak with manager and I am still on hold ( 20 min ) Every time I call in, which requires me to provide my loan number I am informed I have a {$0.00} loan balance. I can not complete my current transaction until this is resolved. I just spoke with manager, XXXX and was told each time I call it goes to the company 's escalation team and their lien release department was informed on XXXX. Manger told me lien release department does not accept phone calls, there is nothing else I can do. 
The quality and professionalism I have received is unacceptable and I am asking for your intervention. 
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 2019-05-24 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.
State: NY

Complaint narrative:
XXXX is reporting negatively on my credit report. They have reached their statute of limitations in reporting and this item must come off my report 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 explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have provided XXXX with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed XXXX letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.

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 2019-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I had my chase account hacked and a {$1000.00} payment was sent thru XXXX to someone I have no idea about. Chase initially helped me with it, but they denied the claim for citing 3 reasons ( no password change, device had logged in multiple times and IP was local-but it was not my computers ip ). 

As this is clearly FRAUD I should be 100 % covered, but they state that there is no appeal to their investigation ... no matter how flawed it may be. 

I see a LOT of fraud stores about XXXX, you would think that the banks would be smart enough to prevent fraud like this or have some sort of a safeguard in place. If not they should refund any stolen $ 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting negatively on my credit report. They have reached their statute of limitations in reporting and this item must come off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
On Account : NA in the amount of {$2300.00} This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hello, I hope this complaint finds you well. 

I was happy to resolve this pending issue with XXXX. 

However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX  report. Please find images backing this claim up attached to this message. 

I had initially sent this dispute to XXXX  along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to. 

Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX. 

Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX  report confirming that they have removed said Collections account from my report. 

Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated. 

To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt. 

The confirmation number for my XXXX  dispute is XXXX. 

I would sincerely appreciate any help that you could give me for this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal XXXX XXXX should clear this up. Name on account was name of my email name paypal computer 's grabbed my email as my name On old dial up speed. In XX/XX/XXXX XXXX years no problem, until PayPal used my credit card, instead of funds available in excess of {$1000.00} to make purchase for antenna. 

XXXX XXXX fighting in this part, but PayPal has frozen my account, and the credit card in my name. Address they have On me includes my name, address, phone. 
Documents sent in could open a house, they requested. Instead of helping they use my money interest free for 6 months? 
XXXX hooked to this account with my name and email, exact address, phone. 

Never have disputed anything. 19 years using buying or selling on XXXX, that have me balance I was using just days before, until I noticed no funds and my checking account closed. 
XXXX XXXX card out on, then without my knowledge, they charged an antenna I purchased, received in good condition. Let ebay user know why bank involved. 

But over1k PayPal has suspended my account after telling at me On the phone for two hours, after 3 months of robots responding to emails. 

I am needing these funds to buy medical supplies as have XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-24 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: VA

Complaint narrative:
Re a charge for service by the XXXX XXXX XXXX ( XXXX, a travel soccer club, charge on XX/XX/2018, {$1800.00} XXXX, it appears my credit card company ( Capital One ) can not elevate the dispute to VISA because they either need documentation : 1. From XXXX that a credit refund is acceptable to them or that the XXXX contract for services identifies the type of refund that is applicable ; or 2. Another similar service provider ( another soccer club ) issues a letter of support that a refund is in order given the circumstances. 

The fact of the matter is that neither is remotely likely. We have so far and directly stated this to Capital One in a length recorded conversation this morning ( XX/XX/XXXX ). 

XXXX would not provide an affirmative statement to the applicability of a refund and has so stated twice. XXXX 's refund policy is limited to two very limited circumstances that do not apply here. 

Moreover, another soccer travel club would not take the time to be briefed on our circumstances nor write a letter in support. That would incur a cost to that club without any benefit. We also have no relations to any other soccer club. 

This places our dispute in an impossible situation. We have detailed to both XXXX and Capital One a request for a refund given that XXXX   has lacked providing services it has committed. Our two letters ( One to XXXX that actually address a request for a refund and rebuttal to XXXX 's denials ) and one to Capital One ( that can not move forward due to purported beaurocratic hurdles cited above with VISA ) has not and seems not to be able to moved forward. 

We are asking the CFPB to do its best to resolve this issue. We believe that the facts lean in our favor and that XXXX 's rebuttals are weak ( only providing generalities and incorrect ones ). We also believe Capital One could do more. An aspect of the complaint also notes that Capital One did not notice us re decisions until late in the process, i.e., everyone else including XXXX knew of decision well before we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019. I walked into a XXXX Store in XXXX to inquire about getting a phone for my son. During discussions with the store agent, he stated that in order to provide quotes on the variance phone plans, he would need to do a soft inquiry on my credit report that would not impact my score and would not be visible to anyone but me. I asked him specifically if this is a hard inquiry and he stated that it was absolutely not. I told him if quotes require a hard inquiry on my report, I wouldn't be interested in getting any quotes, and he assured me that no hard inquiries would be made. 

I decided not to purchase a phone at that time and left the store, only to discover later that day that XXXX performed a hard inquiry and pulled my full credit report. I went back and discussed with the Store Manager. He was courteous and promised to help. Later he reached out and said that the inquiry on my credit report was done by error and that XXXX will initiate a credit request to have it removed from my credit report within 60 days. 

It's been 60 days and the inquiry is still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

Account : XXXX, in the amount of {$610.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i was denied a loan modifications by wells fargo i agreed to do a short sale on my home to avoid it affecting my credit showing a foreclosure and also to get help relocating now i am being told i am denied that as well in the most recent letter i received from wellsfargo it states events which never occurred while i was waiting approval for short sale i recorded the conversation with me and the rep and my agent and at no time were items stated in the letter occurred during this phone call i will have this transcribed and available as evidence this they have not provided their call records for review i sense some retaliation from the rep who notated my account incorrectly causing the decision to be made on my account we cooperated with everything asked of us for this to be approved the bank delayed intentionally to void the first appraisal and there after didn't not get back to us timely on the count term offer their response letter states all lies my attorney can attest along with all parties who have address this shortsale request my Attorney can attest he submitted the counter with no acknowledgment till days later for a request to resend which he did their later claimed info was requested and not submitted which is not the case and a lie.. 

wellsfargo has treated me with deceitful practices their actions on my loan mod and shortsale requests have been unfair i am accusing wells fargo of fraud, negligence, breach of fiduciary duty, and breach of contract at this point due to the outcome of my requests over the last 4 years. 

i believe they denied my mortgage loan modification due to a calculation error in their banks software tool because even after my husbands income they state they can not offer me a loan mode that we can afford

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 2019-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX failed to respond to inquiry within 30 days and is attempting to collect incorrect amount.

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