vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Since the first week of XXXX of XXXX, I have been receiving calls, emails, and letters from the Paypal Collection department asking to collect a negative balance of {$65.00}. 
I have contacted Paypal customer service via message on XX/XX/XXXX and was told there is no negative balance on my account and to ignore the messages since it could be a scam. After PayPal continue contacting me on many occasions I decided to call the Paypal collections department to inquire about the debt and was told they have records of two PayPal accounts under the same name, email, and telephone number and assure me that on one of those accounts I owned {$65.00} for a purchase that I don't recognize. 
I explain that I have no knowledge of the extra account or purchase they state, so they advise me to contact PayPal customer service to close the duplicate account. 
On XX/XX/XXXX I contacted PayPal customer service and was told that there is no duplicate account since there is no possible to have two accounts under the same name, email, or phone number. Unfortunately, they did not offer a resolution and ignored my request. 
I have tried unsuccessfully to solve this issue by calling and contacting PayPal collections as well as PayPal customer support on many occasions after XX/XX/XXXX and keep being sent from one department to another. 
Now there is a private collection agency ( XXXX XXXX XXXX XXXX ) trying to collect the {$65.00} debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had two Capital one credit cards They were closed when two returned payments were realized by a mistake in the mobile app that defaulted to my other dormant capital one saving account that have never been used. This was a mistake by the design of the app by defaulting to my saving account and not my checking account, I am partly at fault for missing this default mistake XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX closed as related card for a mistaken returned payment on the below card There has not been a return payment on this account in over two years and the account has been current for years and had a XXXX balance when closed XXXX XXXX XXXX XXXX opened in XXXX credit line XXXX Capital one closed both accounts because of a software app error on their part and also my mistake by missing the choice of my saving over checking accounts, In conversations with them they are unwilling to look at what transpired and said it relates to what is a long ago history dating back to XXXX thru XXXX when they where 55 returned payments in my struggle to stay current on my bills during an extended period of financial hardship.. 

There is no reason to close the account, both had XXXX balances and have been paid on time for years. 

If what happend is carefully looked at there was no fraud, it was a software mistake caused by Capital one and my negligence in noticing the software error. 

please have the accounts reopened please call with questions XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I writing this letter filing a complaint against PORTFOLIO RECOVERY ASSOCIATES LLC : Account # XXXX ORIGINAL CREDITOR ; XXXXXXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I wrote to PORTFOLIO RECOVERY ASSOC LLC on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if PORTFOLIO RECOVERY ASSOCIATES and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the XXXXXXXX XXXX failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Im writing because we are customers of Suntrust for over 18 years. We even referred a few people to you including our son! We currently have two mortgages with them and have been trying to refinance them both since XXXX. 
Weve sent our information a few different times, and each time we reach out theres a different reason the re-fis havent been completed.Its always us reaching out for an update and this week were told we need to send all our information again. 
This is unacceptable. The last time we called they said they were waiting for HELOC information. My husband had a conference call with them and the HELOC bank. Theyre now asking for our information a third time. This is unfair, and Im not sure why were being mistreated like this. Its a bait and switch and they keep us hanging out there while our insurance and escrows went unpaid and lapsed. We had to call and get those corrected too. I want them to schedule closing for these 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 2021-02-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - Wells Fargo sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME XXXX XXXX XXXX DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  inquiry Date XX/XX/XXXX XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXXinquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX  XXXX - inquiry Date XX/XX/XXXX XXXX XXXX XXXX - inquiry Date 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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank falsely claimed in a response to CFPB complaint number : XXXX, advising the {$15.00} statement promotional credit that was acknowledged in the Citibank response letter to the CFPB, claiming that I qualified for the promotion. The letter stated it would simply post to my account in " 1 to 2 billing cycles ''. Well, 2 billing cycles have occurred, which are XX/XX/2021 and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. I went through bankruptcy and noticed the accounts that were disputed in my bankruptcy are still showing on my report. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly delete all information which can not be verified or reported inaccurately. I definitely feel this is a negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXThe following addresses are not mine please delete/remove them:XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX This is my only number XXXX All other telephone numbers are not accurate. ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
Account XXXX ... XXXX XXXX XXXX XXXX. 

I have been a long time credit card customer of XXXX. They don't care one bit about the fees they charge. I contacted them because I paid off my credit card all but apprx XXXX. I paid them {$4500.00} on XX/XX/XXXX. On XX/XX/XXXX, they want to charge me {$68.00} in interest? 

This what they said " Any time your statement balance is not paid in full by the due date, youre assessed interest on the average daily balance. Your previous statement balance was {$4600.00} and we received payments totaling {$4500.00}, thus causing interest to bill to the account. '' Okay, I understand that interest would be charged on the balance, but {$68.00}??? 
This is pure robbery and their way of making BIG time $ $ off of consumers. 

On XX/XX/XXXX, where the balance was {$4500.00}, they charged me {$79.00} in interest which is understandable, but I make a large payment BEFORE the interest is posted and they still want to charge me {$68.00}? I would like to have this interest fee either removed or reduced drastically. 
This is the problem with credit cards ; they don't even allow you to pay off any debt, because they double your monthly payments all because of the interest they charge. It's strictly a game and what's even worse, I have a credit score of XXXX. 
Your assistance on this would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting an account on my credit report in complete error and it is in violation of the Fair Credit Reporting Act. The account is XXXX XXXX XXXX is no longer in business and their portfolio was acquired by XXXX XXXX XXXX I have opened numerous internal investigations with XXXX XXXX 's escalations department to fix this imprecise information from my credit report. Last month, XXXX XXXX faxed me a letter indicating that the account shows on their end as PAID, CLOSED, with a {$0.00} balance which is the correct way the account should have been reported in the first place. The account on my credit report shows a balance of {$380000.00}, payment history is inconsistent, monthly payment is incorrect, date last active, and date of last payment are inaccurate and incomplete.

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 2021-02-08 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: MI

Complaint narrative:
I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOWNEBANK
State: VA

Complaint narrative:
On XX/XX/2020 I closed on a home and {$10.00}, XXXX was awarded to me by Housing Opportunity Made Equal ( HOME ) to Towne Bank as a grant down payment. This money was released contingent that the home was up to code based on US Dept. of Housing and Urban Development. An addendum was drawn up and repairs were supposed to be completed. At the closing, the seller did not provide any receipts or warranties for repairs completed according to the addendum. I requested receipts from closing attorney 's office via email, and they came back and replied they do not have any receipts or invoices regarding the repairs made prior to closing. Because the repairs were not completed as the required per the addendum no grant funds should have been released 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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied to refinance my mortgage with PenFed credit Union XX/XX/XXXX. The process moved forward quickly at the beginning and the appraisal was ordered. After that, I heard nothing over and over. I would email my loan processor over and over with no response. In XX/XX/XXXX, a manager finally called me and said they were waiting on a recertification of the appraisal since it had been so long and it would close before the year ended. Final underwriting was complete and things would be done. The loan processor emailed XX/XX/XXXX and said the loan was complete and she didnt know why a closer had not reached out to me. Well it is now XX/XX/XXXX and I have tried over and over to speak to the loan processor with no response. XXXX, XX/XX/XXXX, I received a CD with a tentative closing date of XX/XX/XXXX ( a date that already passed XXXX. On this CD the points that I was going to pay at closing increased, the loan amount was not corrected even though I have asked multiple times, and I am now being charged {$170.00} fee for the recertification of the appraisal which was never disclosed to me. XXXX appears to be delaying the process to increase fees on purpose and it feels malicious and deceptive. Also my loan processor XXXX XXXX has not disclosed her MLO # in her emails.

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 2021-02-08 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: DISCOVER BANK
State: NY

Complaint narrative:
My Name - XXXX XXXX D.O.B - XX/XX/XXXX Social Security Number - XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family ACCOUNT NAME - XXXX XXXX sucured credit card DATE OPEN - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER - XXXX ACCOUNT NAME - XXXX XXXX  DATE OPENED - XX/XX/XXXX AMOUNT - XXXX ACCOUNT NUMBER COMPANY INQUIRIES XXXX  - inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX-inquiry Date XX/XX/XXXX XXXX - Inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX XXXX, XXXX XXXX - inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX inquiry Date XX/XX/XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX  inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER inquiry Date XX/XX/XXXX XXXX XXXX  - inquiry Date XX/XX/XXXX XXXX  - inquiry date XX/XX/XXXX XXXX  XXXX XXXX-inquiry Date XX/XX/XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX - inquiry Date XX/XX/XXXX DISCOVER FINANCIAL SER - inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
When XXXX XXXX  XXXX went into lockdown due to the COVID-19 pandemic, I lost my job and subsequently, the ability to make regular payments on my credit cards. I contacted all of the credit card companies - including Comenity Bank, which services XXXX XXXX customers - and requested that my account be placed into forbearance. I was told that I was placed into forbearance and that I would receive notice to resume payments in the mail. In mid-summer, I noticed that a delinquency from Comenity Bank was added to my credit report, which is inaccurate. I filed a dispute and called Comenity Bank, and was told that I never called to request forbearance - which is 100 % completely erroneous. The delinquency remains and it is negatively affecting my credit score. This is an egregious act especially during a very difficult time for those who have lost their job due to this crisis, and the only issue I am having out of all of the banks I work with is Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

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 2021-02-08 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to Wells Fargo Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my credit score. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.

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