vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
Im a couple mth behind due to XXXX laid off and me being XXXX I got the boot first because I made less hours already plus I was getting surgery done so they thought it was best. Shortly after surgery my roof at the star club apartments collapse on me and my wife send me into a deeper recovery. After coming out of recovery I was asking for a little more time to make it up I promise I could have and still can just with a little more time before selling my car today Im pawning and losing a lot just to keep my car and just need a little more time its XXXX I owe but they only gave me a week after recovery to come up with it witch sends me into a panic and then XXXX Im XXXX and need the car to get to my doctors appointments and my daughters ima single parent now and coming back from recovery this isnt wat I wanted this is all I truly have since all the roofing collapse on are stuff and ruined to where we are suing the apartments because we try to tell them but nothing got back to us now Im losing the only thing that helps me get around to make money to just for the car not only that but most of my belongings are in there my clothes my shoes my daughters stuff plus my wifes wedding rings and if they cant give me my car or time to pay then I would like my valuables but much more meaning to my XXXX yr old daughter she hasnt had her bear for so long and her crying still hasnt stopped from the time of sleep till morning all Im asking for is time or my families stuff Ive been having seizures back and forth on this I just need it to end plz help me ASAP today if possible My car is already reposed and in there words would be in storage for long Im stressing this out to the point where my XXXX are coming back uncontrollable due to losing so much already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I applied for a personal loan on XXXX. I was approved for a lower amount. I did the online bank account verification process. On XXXX Upstart requested a bank statement from the last 30 days. Now I had already given the company online access to my bank account with all my transactions. And it is a common bank practice for bank statements to take a while to become available. My statements at XXXX are processed on the XXXX of the month. I sent Upstart screenshots of my bank transactions for 30 days, this was not sufficient. Then Upstart requested a complete personal bank statement showing income deposits from within the last 30 days. I then sent them the income deposits as requested, this was not sufficient. Upstart started to inquire about personal loans from XXXX deposited into my account. These loans were under my husbands name. Even though they stated in their emails that I only needed to submit the promissory notes only if my husband was a signer on my bank account, which he is not. I still sent them the promissory notes. My biggest complaint is Upstart claimed I had two personal loans deposited into my account on XXXX on from XXXX and one from XXXX XXXX. This was completely inaccurate, the only personal loan deposited into the account was from XXXX. I have an email where this is stated. I inquired about where are they getting their information about the loan from XXXX XXXX and I never received a straight answer. Once I challenged this second loan, they never brought it up again. For the next 10 days I sent every piece of information requested. On XX/XX/14 my loan was denied. Upstart stated I had another personal loan account opened since submitting my application. This is a complete lie. My credit report did not change in 10 days. All of the notices I received stated my loan was approved, not pre-approved. Upstart lied about items on my credit and deposits made into my bank account. I had a previous loan for $ XXXX with Upstart, my payment were on time and I paid the loan off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has been violating consumer rights by misrepresenting a debt. They have now kept me from accessing my credit report and thereby denying me access to my papers. they are still reporting on me without permission

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 2021-09-18 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: Thaxton Investment Corporation
State: MO

Complaint narrative:
I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted the account. 

Back in XXXX, XXXX XXXX, agreed to settle my debt and remove the account from my credit reports. As of today, they account has not been deleted and remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: MO

Complaint narrative:
The following inquiries were placed on my credit report without my authorization : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-09-18 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

Complaint narrative:
I don't even know why they hold my paypal account for no reason, it's important to me what's in my paypal account that I still have money because that's for my children who still milk and have diapers .... we don't have anything to eat if I can't withdraw it It's been 3 days since I commuted to paypal, I give the necessary info but even if it's valid by rejecting, then later on i check my email that they hold my acc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX, My first middle name is spelled XXXX, not XXXX like it is being reported on my credit report, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC 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
Consumer complaint received 2021-09-18 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: MO

Complaint narrative:
The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ozark, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: MO

Complaint narrative:
The following information needs to be corrected on my credit report : My name and address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX My previous address should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The following name should be deleted : XXXX XXXX My second middle name is touching my last name and it shouldn't be, please correct it. 

And the following previous address should be deleted : XXXX XXXX XXXX. 
XXXX, SC 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
Consumer complaint received 2021-09-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, the consumer, am authorizing XXXX XXXX XXXX and their representatives to dispute on my behalf as well. Complaints have not gone through because they are not recognized as an authorized representative. I give them permission to work on my behalf.

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 2021-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CO

Complaint narrative:
This week I received an email from cash app stating that I had violated their terms of service and my account had been closed. I was surprised by this as I have done nothing wrong. So I contacted their support chat and after waiting 3 hours I was told that my account was associated with gambling and other things that violated their terms of service. I was given a link to the terms of service, I read them completely through and through twice and nowhere did I find a rule regarding legal online casinos or any other gambling for that matter. I again asked for further explanation and was again told I violated the terms and they would have someone contact me through email. I have not been contacted yet. Also I have over a XXXX dollars in stocks with cash app and they have XXXX my card making it impossible for me to withdraw my money from the account. The only option I was given was to have my money transferred out in to another account of mine. I told them this was not an option as my bank wont allow transactions of this nature. They told me theres nothing they can do. So I had to find another bank app, open an account, and hopefully this one will let me add my funds from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
On XX/XX/XXXX, I applied for a refinance. I got approved. Got an appraiser to come and check on XX/XX/XXXX. This is the same appraiser that checked my home on XX/XX/XXXX that gave the same appraiser report. I wanted to refinance for a lower interest rate one year after purchase from Wells Fargo mortgage. They did have me approved for refinance. They hired the same appraiser. I found out XX/XX/XXXX that the appraiser refused to submit his report because there was no comparable homes. I live in a town of 170 people. Why did this appraiser submit report for my home purchase but not refinance. Then it took a while to look for another appraiser. Then they finally found one XX/XX/XXXX. The bank asked for another credit check again. I waited so long for refinance to come through. Wells Fargo did a horrible disservice to my application process. Because of covid 19 I allowed this appraiser into my home and now they want to use another appraiser to jeopardize my family health safety and pull another credit. I want to report Wells Fargo for not providing proper service.

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 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2021 I was making a purchase for lawn furniture in the amount of {$79.00}. I was paying for it via my PayPal account. As soon as I select purchase I notice the company was charging me an additional {$1000.00}. I immediately reached out to PayPal on the same day. They advised that it wouldve investigated. I thought it was taken care of until the funds left my account on XX/XX/2021 in the amount of {$1000.00}. This depleted my entire balance in my checking account and part of my savings. I immediately contacted PayPal again on XX/XX/2021 in which they advised they were still trying to reach out to the company. I advised PayPal I needed my funds immediately. I had bills to pay. I reached out again on XX/XX/2021 to PayPal checking on the status and was advised that this was still being investigated and give it a couple more days. I followed up again on XX/XX/2021 at this point I was advised that I would be given provisional credit in the amount of {$1000.00} while the case was being investigated. On XX/XX/2021 I received the funds in my checking account. On XX/XX/2021 I receive an email from PayPal indicating the investigation is done. As a result I owe the retailer and they will be taking the funds out of my account. This is absurd. I thought PayPal was to protect consumers. I dont even have this merchandise. This has to be against the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I did an application for a consumer credit transaction with XXXX XXXX in which they told me CPS needed me to put a down payment of {$6800.00} on a used XXXX  XXXX XXXX. I was also told they would also need a 60 month verification letter stating I will be getting public assistance for the length of the loan.

15 U.S.C. 1602 ( a ) Defines finance charge as a sum not including any amount comparable in cash 15 U.S.C 1691 ( a ) ECOA ( Equal Credit Opportunity Act ) prohibits discrimination against any applicant in a credit transaction whose income comes from public assistance and who exercised any right in good faith under this Act. 

The above are violations of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INVESTORS BANK
State: VA

Complaint narrative:
I opened my checking account with Investors Bank in XX/XX/XXXX, and have {$1500.00} on deposit. I have not been able to access my funds since late AXX/XX/XXXX. I called the bank on 2 occasions, XX/XX/2021 and XX/XX/2021 respectively. They said they would look into it, but never called me back as promised. As of now, I still don't have access to my funds and the bank has been unresponsive to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: NJ

Complaint narrative:
I'VE FILED A DISPUTE AND IT HAS TAKEN MORE THAN 3 MONTHS FOR THEM TO RESPOND OR GIVE ME ANY INVESTIGATION RESULTS!!!

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 2021-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'VE FILED A DISPUTE AND IT HAS TAKEN MORE THAN 3 MONTHS FOR THEM TO RESPOND OR GIVE ME ANY INVESTIGATION RESULTS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
I am receiving a bill from a collection agency for the amount of XXXX from RFGI Collection. The original creditor is XXXX. This company contacted me via email first and I told them not to contact me again. However, this company is still contacting me by phone and email. I would like this debt removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: NJ

Complaint narrative:
I did not consent to this negative and inaccurate information to appear on MY credit/ consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens has been harassing me for payments they received! am paying for a refinanced loan taken in XXXX and paid additional payments approximately 3 - 4 times a year, it should have been paid in full by XXXX! They say not received XXXX 's payment yet they cashed XXXX 's payment on XXXX ( due to them stealing {$1100.00} from my account on XX/XX/XXXX, & cashed XXXX 's payment on XX/XX/XXXX for which I attached proof from my federal credit union 's investigation +, I paid XXXX 's mortgage payment and have never been more than XXXX days late even once/year, but Citizens reported me to the Credit Reporting Agencies ( CRAs ) falsely that I paid 3 times more than 30 days late to the CRA s then cash my check! 
I called Save Your Hoe Hotline and they informed me the week of XXXX XX/XX/XXXX that there were 2 other mortgages in my name which I originally thought must be the problem as I only got the original mortgage on XX/XX/XXXX, and refinanced in XXXX. For the 1st mortgage, I paid extra on the principal once or twice a year paying off in 1/2 the time! Now, the Loan # XXXX, I pay as aforementioned and it should have been paid in full no later than XXXX! I have continued paying extra on the principal but Citizens applies f my payments toward any account they decide without my authorization! I write the loan # on my check and do NOT have another loan with them but they say I do!? 
They're known to use illegal banking practices I learned from Enforcement Act infringed on for doing the same illegal banking practices they are doing to me! I have discovered over the years trying to force them to truly investigate and fix the amount owed but payments Citizens requested rises instead of declining but I owe XXXX!, 4 extra payments numerous times each year has loan as aforementioned paid by XXXX so i have been paying over " $ XXXX extra for 3 years or more! I complain and the follow-up after investigation letter always says there is no error but XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. all find fraudulent accounts not mine &, credit my account. are Citizens! Th. They are the only banking institution in the United States not investigating and seeing it is not me opening other loans/accounts- are Citizens!! I fixed my credit, Save Your Home Hotline said that it is obvious that the loans -one in XXXX & there other in XXXX which I only learned of the week of XX/XX/XXXX. I had no clue of them and they are forgeries as I am 100 % sure no other loans. I pay my bills and am a responsible person! Citizens. would not have given me a loan with a XXXX  credit score at the time due to identity theft! I would not have got 2 loans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
American Credit Acceptance is still claiming I owe them a debt when pursuant to 15 USC 1692g ( c ) admission of liability may not be construed by any court of law and 15 USC 1692g ( b ) Ive requested they send me a signature of the original creditor because in accordance with the law they can not collect any debt until they do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation