vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
this is not a duplicate complaint. the other one was for XX/XX/XXXXnot XXXX. XX/XX/XXXX and transunion they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies XX/XX/XXXX and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information

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 2021-03-04 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: NE

Complaint narrative:
this is not a duplicate complaint. the other one was for XX/XX/XXXX not XXXX. experian and XX/XX/XXXX they that they have information on my credit report of XXXX as past due {$60.00} 60 days and owe {$1100.00} when that was reported as fraud and XXXX fraud dept said removed that and then XX/XX/2020 find out they are reporting past due on my credit report. want the past due 60 days {$60.00} taken off right away and put the account to {$0.00} balance due. 
i tried to get this removed since it was fraud by fair act 604 but credit report company wont remove it so i want it fixed so its not past due. i will take this to court matters if this is not fixed and sue XXXX and the credit reporting companies experian and transunion that put this on my report for destroying my credit as it has ruined my credit in the last year with them putting this XXXX on my credit report as being 60 days late and i lost credit cards and got denied loans because of them putting this on my report as 60 days late when it was fraud. remove the {$60.00} and 60 days late off to fix this problem on my credit report so i can get a loan. i had perfect credit never late on none of my bills until XXXX destroyed my credit. Hackers have stolen data from thousands of XXXX customers in the US, the bank has confirmed. The breach exposed the names of customers, account numbers and contact information

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 2021-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This credit card account with Capital One Bank USA NA has been closed and charged-off since XX/XX/2017 in the amount of {$670.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have been contacted by Portfolio Recovery Associates several times in regards to an alleged debt collection listed in the amount of {$1000.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04 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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I need my funds in PayPal. My email linked to my PayPal is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
XXXX has placed 5 accounts with different balances with account numbers XXXX, XXXX, XXXX, XXXX & XXXX. I never gave them any permission to open 5 accounts under my name. These accounts are duplicates and are fraudulent. They also reported them to my credit showing XX/XX/XXXXXXXX dollars in debt. I was on vacation at this resort, but I did not engage in opening 5 accounts with them. The salesperson gave me some free gifts and told me to think about it. Later that day I told him I do not want any membership or credit accounts. I later found out that the representative opened 5 accounts under my name. I called the company to dispute the accounts which they said where under investigation. I also checked and called the salesperson to find out he was fired. The company told me they can help reduce the monthly fees but will not cancel. This is fraud. I did not open these accounts, and under these conditions I have been scammed. This company needs to be investigated and prosecuted for scamming people. I've also requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Ive had no responses. Ive sent out requests to Experian as well into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
They have continued to report the wrong balance on my XXXX XX/XX/XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TX

Complaint narrative:
They have continued to report the wrong balance on my XXXX XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

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 2021-03-04 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: TX

Complaint narrative:
They have continued to report the wrong balance on my XXXX XX/XX/XXXX loan for months I have sent my statement several times asking that they please report the correct balance for my mortgage

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
This credit card account with Curacao has been closed and charged-off since XX/XX/2016 in the amount of {$850.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I got home I noticed several bank transaction alerts that were too high for my usual activities. When I logged in I noticed that I was in overdraft, and that the transactions were occurring from another state.

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 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Conn's, Inc.
State: AZ

Complaint narrative:
This secured/installment loan account with Conn Appliances INC has been closed and charged-off since XX/XX/2018 in the amount of {$3200.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
not sure how to fill out paper work sent to me before covid 19

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a credit card with XXXX through comenity capital Bank. Before opening the credit card I spoke to an agent who told me that I would only owe interest after the promotional period. I asked if that is when it will start to add up and she said yes. I paid my balance until the pandemic hit and now that the pandemic hit, I have no money so I paid the minimum and planned to pay it off right away so I wont accrue too much interest. Instead of being charged interest after the promotional period, I was hit with a fee from the interest I would have paid during the promotional period. After my complaint, they began updating the website to appear as if they weren't hiding that from customers. I XXXX complaints related to my situation and they said they same. I am furious because I asked them to show me mercy and allow me to pay the remaining balance in a lump sum to avoid that hefty charge and they do not care. In a pandemic, credit card companies are preying on people and this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank the problem is I attempted to solve my problems with you over and over and you keep on Avoiding me direct me as to give me miss leading and unhelpful answers I ask you wanting and you tell me the truth but instead u tell me about a whole Nother situation I am tired of back-and-forth you are not a computer this is not hard to understand I was told by Wells Fargo members that my documents were not usable if this is true I simply want my documents the original documents not a copy if I can not have it back then Wells Fargo must pay for them full liability Wells Fargo I deposit a promissory note into my account making you the trustee you are breaching theTrust And violating antitrust law your agents close my complaint without answering my question I do not want my complaint close until the question is completely answer Handled this in your fiduciary capacity only Here in this complaint we have another trust Where is my original promissory note question number one question number two is since its been over one year of unlawful possession when do you plan to pay me for my property. Return my property to me or take legal possession by paying for it today you have noticed That you owe me {$2.00} XXXX Do you deny this claim And Im tired of your representatives telling me that they will take care of the problem and never take care of it before they close the case I will not stop until you answer my question and return my property and do not tell me nothing about why my account is closed I know exactly why this phone Im tired of agents answering my question with something I dont want to know All I want to know is where all my promissory notes and when do you plan to pay for me for them There was over {$50000.00} in Notes deposit not just one I want them all back and I sent you a bill for {$2.00} XXXX that you owed to me and you deny the claim all calls will be recorded on both ends yours and mine thank you have a nice day

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA REC is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Trading App Robinhood. 

I believe that my transfer amounts were not correctly reported. 

I know definitely that I have 2000 in transfers not being recorded. 

I have XXXX and I am sure that between that account information and what Robinhoodbis showing there seems to be multiple discrepancies. 

I would like to have my accounts investigated if possible. 

I also will include ... although a separate issue all together that they are also on numerous occasions listing fraudulent information and preventing purchase and selling price at it's market rate. 

I will hope our government would not allow or condone practices which disguise thievery as investment opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX On XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 use 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. XXXX XXXX XXXX XXXX XXXX also sold my account over to GRANT & WEBER which are not attempting to collect this allege debt. Which is now reporting to my credit reports which are in violation of 15 USC 1692 ( d ) 1 and 15 USC 1681a ( 2 ) b, hurting my reputation by not excluding this from my my credit report.

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 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Purchased items, then before leaving the store returned them. Credits not posted back into my account. Merchant denied any wrongdoing. Filed dispute, completed all required steps. Issuer did not investigate properly. After I sent in the 2nd request for information, 15 mins later claim was denied. Issuer refused to contact me as I requested many times. Issuer did not send me supporting documents. Issuer would not reply to emails. Issuers phone does not connect to representatives, only recordings and then hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I use Bank of America for my conventional mortgage, and have automatic payments set for principal + interest on the 1st of every month. 

For the second time this calendar year, I have attempted to make an extra PRINCIPAL-ONLY payment to pay down my mortgage faster, only to discover that Bank of America misapplied the extra payment to the next regular payment, 1 month too early.

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