vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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:
My agency send me my salary in paypal for almost 5months now and last month XX/XX/2021 i was expecting that i get my salary again but when i checked my balance i have XXXX balance in my paypal. That's why i checked my email and its say 's that my money is been hold. Then i provide the information they asked. Then they emailed me again after a week. And it's say that i can't no longer use my paypal account and wait for 180 days to get my money. But i don't have balance in my paypal account, nothings indicate there that i have money on hold in 180 days. I am not sure if this is some mistake that i assume it has to be. I have not been able to get help from them for a month and someone tell me that i could file a report here as i feel that they not doing there job properly and it's effecting me a great deal as i used Paypal to get my salary from my work. Paypal closed my account for no reason. Please help me get my salary. My email linked to my Paypal is XXXX. please thankyou and Godbless. I hope that everything will be ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX Amt {$9600.00} XXXX XXXX XXXX - Acct # XXXX Amt $ - XXXX XXXX XXXX Acct # XXXX Amt $ - INQUIRIES XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX continued to charge a monthly fee after the business a ) notified them to cancel their paid advertising portion of the service and b ) that it was shutting down due to COVID ( New York had topped half a million confirmed COVID-19 cases, curfews were put in place, schools went all-remote, and indoor workforce reductions became mandatory ). This is a high-risk business ( XXXX  ) and could not afford to advertise while closed. XXXX did not honor the request ( XX/XX/2020 ) and continued billing for four additional monthly payments. It then handed 4mo worth of such charges to TrueAccord ( their collection agency ), which has been hyper-aggressive in attempting to collect {$280.00} even though there should be no debt at all. XXXX now disavows any control over the process, saying they can not cancel the fees or correct the info in any way, but rather it must be handled through TrueAccord which ( as TrueAccord is XXXX 's agent ) is neither true, nor honest, and is not actually the law. 

XXXX has further stated that the business owner bears responsibility for the extra billing, because she did not answer emails from Yelp ( which she could not read, as they were not in her language ) during the shutdown. This sidesteps the issue that further emails should be irrelevant, once advertising is ordered stopped or paused. 

This business is a minority-owned business, with no one who speaks fluent English, and a vulnerable population ( XXXX XXXX ) as indicated by the recent mass shooting on XX/XX/XXXX, during which XXXX ( through TrueAccord ) has continued daily collection contacts, despite the XXXX  having to close again for the safety of its staff. XXXX has taken advantage of the language disparity, and the relative disparity in negotiating power between the two firms, and attempted to offload accountability to its agent, rather than ( properly ) cancel the supposed debt. Besides viewing this with utter disgust, it's inappropriate contractually and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are three accounts on my credit report that are not mine I have tried disputing this with the bureaus and they are not helping me out with this I need these taken care of right away because it's causing me great stress and I dont want to get sick over someone elses mistakes. 

XXXX XXXX- Acct # XXXX XXXX {$9600.00} XXXX XXXX XXXX - Acct # XXXX XXXX $ - XXXX XXXX XXXX Acct # XXXX XXXX $ - XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019

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 2021-04-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and Equifax and 90 days delinquent to XXXX on both mine ( XXXX ) and my husband XXXX XXXX credit reports. The account was brought current in XXXX of 2020 and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is misreporting our PAID auto loan as a delinquency as retaliation for filing a previous CFPB complaint we filed concerning an error that occurred at the end of our lease. As evidenced in the screenshots provided, the tradeline previously correctly showed the payment status as " Current. '' After we rightfully filed a CFPB dispute to address a payment error they made at the end of our lease, they updated their reporting to reflect the account as delinquent 60 days on XXXX and XXXX and 90 days delinquent to Experian on both mine ( XXXX ) and my husband XXXX 's credit reports. The account was brought current in XXXX of XXXX and is PAID IN FULL. This retaliatory behavior is unjust and needs to be corrected.

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 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was scammed in XXXX. Wells Fargo cashed the check when they should have known it was not real. They also let me take out a cashiers check to send to the scammer when I think they should have known something funny was going on. I am on XXXX and do not have the {$4800.00} to pay back. They also took my social security check for XXXX and left me with no money although it is against the law. They still will not give me my check. I need help knowing what is going to happen to me with a debt that I can not pay and if you can help me get my check back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
There is an account for CIG Financial reporting on my credit reports. On at least 3 occasions in the last year I have requested information on this delinquent account. On one occasion they responded with information that did not belong to me. Apparently this is an auto loan account. Upon my request they submitted " validation '' of the account. According to their records, the charge off was for a XXXX car, which I have never owned or purchased. I subsequently responded advising that they are reporting inaccurate information on my credit reports. This is when they stopped responding to my requests. 
Please help me. I am trying to purchase a home for my children and this account, this overtly inaccurately reporting account is stopping that process. 
I need some muscle to help me fight this. I've never purchase a XXXX car. This is what they have as a charge off on my credit reports. I would say that falls in line with inaccurate and must be deleted. 
Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: AR

Complaint narrative:
NORDSTROM CARD SERVICES AGREED TO REMOVE ACCOUNT XXXX FROM CREDIT REPORT IF THE ACCOUNT WAS PAID IN FULL, THE ACCOUNT REMAINS ON THE CREDIT REPORT PER ALL 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE CREDIT CARD ACCT XXXX COMPANY AGREED TO REMOVE ACCOUNT FROM CREDIT REPORT IF PAID IN FULL THIS HAS YET TO OCCUR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was sued in small claims court for a debt repaid to the original creditor, who seems to have failed to notify any debt collector or have it properly stored. 

The company sent a small claims summons to a house I do not live at by certified mail which was delivered even though USPS has been notified to forward mail to my existing address. 

the amount they claim I owe is also far larger than I truly did owe ( about {$500.00} more ). 

But by USPS not forwarding the letter I will have not had enough time from actually receiving it ( my parents forwarded it but failed to bring it to USPS and just put it with other letter that USPS didnt properly forward ) so I will automatically lose the case in a state I do not live in ( so I cant show up even if I wanted to ) This creditor has

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed bankruptcy and this loan was included and they are adding remarks to my credit report that the loan was sold to another debtor

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 2021-04-06 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
Not 30 days late for XXXX and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX, XXXX, I sent out a certified mail validation request to PORTFOLIO RECOVERY ASSOCIATES, LLC. I have yet to receive a validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX XXXX XXXX and which per FCRA/FDCPA does not constitute verification. 

Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Amerisave File # XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Application completed on XX/XX/XXXX Loan terms = Rate was 3 % {$6200.00} points not locked XX/XX/XXXX Loan terms changed to 3 % {$4000.00} points locked expired XX/XX/XXXX because we were supposed to close by then. 

XX/XX/XXXX received another loan terms agreement - Rate 3 % {$3900.00} points with lock in expiration of XX/XX/XXXX. 

XX/XX/XXXX ( 2 days before closing ) we receive another loan terms agreement - Rate 3 % {$10000.00} points. We called the loan officer and processor and no one would call us back. We were finally told that they pulled our credit and your credit score changed. I said you never advised us you were pulling our credit ( 3 people on the loan ). Whose credit score dropped and to what and why? And they could not and would not provide any further information. As we had waited for 4 months and were closing in 2 days, we had no choice but to close with the points that we never agreed to. 

XX/XX/XXXX closing statement Rate 3 % {$10000.00} points. So basically this company can charge whatever they want whenever they want to and get away with it. This is the story of a true bait and switch. Once we were locked in, it was impossible to reach the loan officer or the underwriter or the processor. Whatever they asked for we provided within minutes even after they had already requested the same thing 2 times before. There horrible processes and response time is not the issue here. The fact is that we started with one rate and ended with another one. The numbers kept changing when someone decided to. When I asked about the low rate given in the disclosure on XXXX, I was told that was a mistake. Really?? This is just wrong. 

They required payoffs of certain outstanding debts. One was a XXXX interest loan that I did not want to pay off but I paid it off anyway and sent in the proof of payment and they still paid the bill anyway causing me to have to request a refund. They mailed paper checks to several other debtors which were never received. We had to request stop payments and have new checks issued but those checks still have not been cashed. 

They assured us that the past due homeowners insurance payment would be sent XXXX and they mailed it regular mail. The insurance company cancelled the policy and we were forced to get a new policy with an increase of over {$2000.00}. 

The people that work here were always pleasant and sorry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Me and my Wife were denied the Ability to open an Bank Account because of the way we signed our Names on the Contract. We are upset because it is our God given Right to Sign our Names however we please! Their is No Law on How an Individual can Sign their Name on a Contract! This happened on XX/XX/2021 we were forced to close our accounts that same day. It also happened Again last month when tried to Open an Business Account with them Also!

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 2021-04-06 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: FL

Complaint narrative:
XXXX XXXX has closed the account on their end and is discontinuing any further pursuance due to possible HIPPA violations. As neither Transunion nor XXXX  can produce a medical release signed by me the accounts need to be deleted 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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2021, I learned that two things had happened that appear to be the result of identity theft : - An account for which I did not apply was opened in my name with XXXX. No charges had been made. However, XXXX refuses to close the account. 

-I learned XXXX had reported me to collections for an account opened with my name and address, but with a fake email address. A {$200.00} charge is owed on this account. XXXX refuses to close the account while it is under investigation with their collections company, Jefferson Capital.

** Strangely both Jefferson Capital and XXXX are based in the same zip code in XXXX XXXX, Minnesota. Is there some connection between these two entities related to these fraudulent activities? ** Could I please get your help with : - closing the fraudulent XXXX account before any charges are made - closing the fraudulent XXXX account before MORE charges are made and helping me deal with their suspicious collections agency which is in the same zip code as XXXX. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: CO

Complaint narrative:
I have asked to close my Key Bank Checking account twice ; once on about XX/XX/2021 and again on XX/XX/2021. Both times the Key bank representative, via online chat, said the account would be closed within 5 business days. The account has a XXXX  balance. The account remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if XXXX approved me for a new credit card why are you reporting an old account, that erc agreed to remove once paid.

Company response to consumer: Closed with explanation