vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The complaint is about Paypal Business Debit Mastercard, which is connected to my Paypal business account. 

They are currently running a promotion that gives {$20.00} cashback for every {$1000.00} purchased on the card until XX/XX/XXXX. I made a number of point-of-sale purchases with the same online merchant. Paypal honored the cashback up until XX/XX/XXXX, and then abruptly stopped issuing cashback, without changing the rules of the promotion. 

My attempts to resolve this with Paypal have been fruitless. They have repeatedly made up " rules '' for my transactions that either didn't apply or weren't part of the promotion. 

They claimed these were " cash-like '' transactions, but they weren't. One proof of this is the fact that my Paypal debit card has a daily limit of {$400.00} for cash-like transactions, but I routinely made purchases over that amount. 

As it stands, Paypal owes me {$160.00} in cashback under the current promotion ( effective until XX/XX/XXXX ), and refuses to honor it. 

Attached are the images of the transactions for which cashback wasn't honored, as well as the advertised XXXX XXXX XXXX  of the current promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Per FACTA and the Furnisher Rule, furnishers have the strict responsibility to supply accurate data. They are also obligated to furnish information in a way that prevents re-aging and duplicate reporting, In my case, case number #, the furnisher did not supply accurate data to my credit report. Wells Fargo failed to see that the information reported to my credit report was actually an account being re-aged. They were student loans and were just sold to a new servicer for the seventh time. As a result of Wells Fargo 's haste, other creditors, I was in good standing with, followed suit. Wells Fargo 's incredible mistake destroyed my credit in an instant. 

So I ask Wells Fargo Bank/Wells Fargo Home Mortgage, who picked up both of my mortgages with different addresses, on the secondary market, to which I paid them both off with no lates why? Including my Wells Fargo Auto Loan with the same defaulted student loan debt I was approved with when I obtained my mortgages ... .again to which I paid off the auto loan that had no lates too, ... Why? Why decrease my credit card limit? When I have proven to Wells Fargo I am a good risk ... that I managed my credit well. To which I did waaaay before Wells Fargo abruptly destroyed my credit profile on false information. I can provide documentation that my other creditors reacted in the same manner as well as closed my account. They may have the same policy but, they didn't react until Wells Fargo took the first move. 

I understand that Wells Fargo Bank can decrease my credit line for any or no reason. But Wells Fargo told me the reason ; and the reason turned out to be false. Again as a result, my credit rating had diminished and other accounts closed. 

Please note that each furnisher is required to implement their written policies and procedures concerning the accuracy and integrity of the information that they furnish to reporting agencies. 
In fact! FACTA Requires furnishers to have such procedures and policies to avoid furnishing inaccurate information ; most importantly avoid furnishing information in a way that prevents re-aging. 

But that didnt happen in my caseor did it? See Wells Fargo wouldn't know because they relied on some other furnishers reporting to be accurate ; and without hesitation Wells Fargo reacted without any investigation on their part of the truth to the reporting. 

Everything I have talked about in this letter is true and factual. 

XXXX XXXX XXXX - Consumer Depositor for 16 years Case Number : XXXX and XXXX Original Credit Card Ending in XXXX same account as 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 2020-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I called Freedom Mortgage back XX/XX/2020 and spoke with XXXX XXXX. During this conversation we discussed my financial situation and that I was looking to see if I would qualify for a VA loan. I told him my financial situation and I gave him authorization to pull a hard pull on my credit report so that he could review it and give me pre authorization for an amount on a loan. Right now times are crazy with buying a house and there are multiple offers being put on homes. On several occasions I spoke with Mr. XXXX about my approval making sure everything would be good for the loan. He even went to the extent to send me Closing worksheets so I would know exactly what I would need at closing. My real estate agent even had many conversations with him in regards to the approval. So, I had no change in my job or financial status everything stayed the same. I had to put {$500.00} of due diligence money down with my offer on a house. The contract here in NC reads that it is not contingent upon me getting mortgage approved. Well, I would have never given the money if I knew that there was any chance that the loan wouldn't go through. I was told to go find a house and make an offer so we could move forward. I found a home made an offer gave them my due diligence upon the advice of Mr. XXXX and thought all was good. Then after sending contract to him I get a call saying that I would need {$24000.00} in reserves or a co-borrower. First of all with a VA loan the only co borrower would be my husband which is not employed at this time. They knew that, so {$24000.00} in reserves?? So, I contacted other mortgage companies and in the pre screeening they told me they would advise me to wait another year with good credit for my score to raise and also to fulfill the requirements of the VA loan. During my prescreening I feel that Mr. XXXX didn't properly screen me, so now I am out of my {$500.00}. Even Mr. XXXX has called me and apologized and admitted his wrong doing and that he will now be asking more questions when he pre qualifies anyone. I then spoke with the Branch Manager with Freedom Mortgage here in XXXX NC and he basically told me that my contract I signed was wrong and that the sellers owed me the money. I sent him a copy of the contract and then he just kept saying he would check with his legal department to see if they would pay me the {$500.00} I put out on the professional advice of Mr. XXXX. He has not responded to me and I have filed 2 complaints with Freedom Mortgage Corporate and I have gotten zero response. I think that if your representative is not knowledgeable in VA loans he shouldn't be representing your company and give false advise. Please help me in getting them to accept the full responsibility by paying me the {$500.00} back that I lost.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Inquiries Did Not Give Permission for these companies to pull my credit. 

XXXX  ... .XXXX XXXX XX/XX/20 XXXX ... XXXX XXXX ... XXXX Experian ... XXXX XXXX ... XX/XX/20 Experian ... XXXX XXXX ... XXXX Experian ... 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 2020-08-18 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: GA

Complaint narrative:
I have attempted to resolve this matter from since XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both Equifax and XXXX XXXX on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by Equifax, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at XXXX XXXX that they will be communicating with Equifax about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. Equifax is willfully closing my disputes and ignoring any written legal documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This is my third attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Account Control Technology, Inc.
State: NC

Complaint narrative:
I have submitted 3 different disputes with XXXX  regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed account control technology collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to account control technology and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months XXXX  continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
on XX/XX/2020 spoke with XXXX at newrez mortgage. to refi my current morgtage, after calling for months, and signed paperwork to refi 2.62 % for 15 yrs. this would save me XXXX month. told XXXX i am XXXX yrs. old and not that computer savy, he said not a problem. 
Called about the end of XXXX spoke to XXXX and said have not head or received any e-mails or request for paperwork. XXXX said he would reach out to XXXX called yesterday XX/XX/2020 spoke to XXXX said he would talk to his manager and call me back. no one has called, no XXXX -mails. spoke about uploading documents, i said not good with computers. ok i can fax. Later that day i found out the document upload sites are down or don't work at all. 
I mailed paperwork requested to company on XX/XX/2020 XXXX said did not received any doc. This is XXXX  i am XXXX the extra money would come in handy for medical bills. There practices are against the fair lending act and newrez does not want to lend to people with XXXX act. no top of this they are losing XXXX a month for 12 mo. and 15 years. thank you for your help XXXX XXXX XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
I did resolve this with the company and received written confirmation that it was resolved in my favor. The institution is not honoring this and taking interest charges on a loan that is in the zero interest promotional stage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a home loan application with Wells fargo put an offer on a home that was accepted on XX/XX/XXXX. I completed home inspection on XX/XX/XXXX. The results of the inspection were not favorable so on the XXXX I notified Wells Fargo I would not be proceeding with the purchase of that home and completed a new home mortgage application so that we can have a higher budget. Later that day we received an email that my application for the first loan was moving forward. I quickly called Wells Fargo and advised them a second time I was no longer interested in the first loan that I cancelled my offer with the home. I also asked about the appraisal. I wanted to make sure it was not completed because I would not proceed with the first loan and did not want that completed specially that I would be charged. I was told not to worry that papers were never submitted for the appraisal it didnt have to be cancelled. A day later I received an email that the first loan was now going to underwriting. I then sent an email asking them to please not proceed. On XX/XX/XXXX I receive mail at the house long and behold it was the appraisal of the home I had cancelled. We were charged over {$500.00} for an appraisal that we cancelled timely and did not want. After this I have contacted Wells Fargo and escalated with XXXX XXXX supervisor, XXXX XXXX XXXX ext XXXX. She advised in XXXX she would conduct a research and would take 10 days. In 10 days she advised she would need 10 more days which the latest would be XX/XX/XXXX. Sine then I have called XXXX she has not provided a follow up and no longer answers my call. I then called Wells Fargo and spoke to their executive office and they reported my case would be assigned to someone who would contact me in 2 buisness days at latest. Still no reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've updated my current address with TransUnion, XXXX, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report an collection account that is a result of fraud. If they had accurately investigated my dispute claim then the account would have been removed after the first dispute I initiated. Equifax validates the collection without doing the due diligence that they are suppose to and that has resulted in the XXXX XXXX collection showing on my credit report since XX/XX/2016. I have never had insurance through XXXX and Equifax refuses to do anything to help me remove this fraudulent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Capital
State: CO

Complaint narrative:
This company calls from various phone numbers and they are very rude. They call my wife and harass her about a debt that she does not know about about. They talk with her about debt and confirm my SSN and info, which they did not check with me first. This guy tells my wife he is going to sue her and take everything and trys to scare her into paying. At one point my wife offered to make a payment, which her card was declined. She never received a call back to confirm payment. 20 days later this company calls from XXXX and they say they will seek legal action immediately. They called 3 times within a 2 min window. My wife asked for the operator ID of the person she was speaking too to write a complaint and the call was disconnected. This debt has disputed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please provide proof that the detail in our last complaint was fixed. We've called multiple times today and we keep getting disconnected. Then our previous complaint is answered with " this is fixed ''. We in no way believe this statement as when we tried to pull a new report, it asked for my wife 's maiden name and not current name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOP FLITE FINANCIAL INC
State: NC

Complaint narrative:
On XX/XX/2020 I got text from XXXX from top flite. I was interested in refinancing my home with cash out. I never provided with my SS # but my credit was ran without my consent. I have them to removed the request but they refused. I received a call from their compliance office who told my SS # number was sold to them XXXX XXXX who I never did business with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello I have received a notification of a debt owed to Pay pall by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from Pay Pall about this before. This is very odd that they took six years to initiate this action. According to XXXX, the last payment l made to Pay Pall was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact Pay Pall directly but they are not accepting calls at this moment. The Debt Collector is XXXX XXXX XXXX XXXX. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that Pay Pall would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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