vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
My husband XXXX XXXX ( successor in interest ) and I ( his spouse ) applied in the fall of XXXX for the HAF program ( state of Texas ) due to falling behind on mortgage payments due to the Covid-19 pandemic. It has taken several months for approval but Midland Mortgage finally sent a letter to HAF that they needed {$14000.00} to bring the loan current. The principal balance currently is {$14000.00}.

HAF sent me a letter on XX/XX/XXXX confirming approval and advising a payment of {$14000.00} was sent to Midland Mortgage. Midland Mortgage received and noted the loan with " applied funds '' but DID NOT POST MY PAYMENT. I called Midland Mortgage on XX/XX/XXXX and spoke to a customer service representative. I requested the late fee balance be waived and asked them to post my payment. I was told that they wouldn't waive my late fees and that they needed instructions from HAF on how to apply the payment. So I contacted HAF and spoke to a representative. I told them that Midland Mortgage didn't post my payment and needed instructions on how to apply the payment. The representative told me that they are supposed to apply it to all the missed payments and late escrows. She sent a message to my case worker. It is now XX/XX/XXXX and my payment is still not posted. I new statement has generated with a larger balance due and fees and interest continue to accumulate. I called Midland last night and told them to apply my payment and they advised me that it takes 30 days to post the payment. They received the payment on XX/XX/XXXX. They noted it as " applied funds '' and then on XX/XX/XXXX they removed the payment completely. The payment is no longer visible when I check my loan information on line and they have not posted my payment. HAF told me that they need to contact the " loan servicing support team '' on how to apply the payment. I am certain that Midland Mortgage already knows how to apply the payment for individuals in my situation. I can not be the only homeowner approved for assistance under the HAF program.

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 2023-04-25 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
State: CA

Complaint narrative:
Dear Support, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which I believe was made in error. My account 's email address is XXXX and I would like to appeal this decision and request that you re-investigate my case. 

I want to emphasize that I have never violated any PayPal policies, and I believe that this limitation is a result of a misunderstanding or an error. I am confident that upon further investigation, you will find that I have complied with all of your terms of service and have never engaged in any prohibited activities. 

I urge you to carefully review my account activity and consider the possibility that a mistake has been made. I would like to ask that you restore my account to its previous state if possible. I understand the importance of maintaining a safe and secure platform for all users, and I am committed to cooperating with you to resolve any issues that may arise. 

I respectfully request that you take the necessary steps to investigate my case thoroughly and restore my account if it is determined that the limitation was made in error. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TrueAccord Corp.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 True Accord, Corp. Collection Agency, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD ALREADY STOPPED BYXXXX XXXX XXXX Dear Sir/ Madam, I am, XXXX XXXX XXXX XXXX XXXX  ) United States Citizen, disputing the above- referenced debt. Please verify this debt as required by the Fair Debt Collection practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX , verification requires all the following : * Proof of my agreement to pay the original creditor, * A copy of the final account statement issued by the original creditor, * A breakdown of the total amount due, showing principal, interest, and other charges ; and * For all other charges, the date of and basis for each charge.

* I have been impacted by the Corona virus pandemic * CFPB proposed over the late fee amounts are illegal, XXXX XXXX XXXX  is fair and comitative, Only late fee {$8.00} not {$41.00} I DISPUTE THIS DEBIT BECAUSE ( forwarded TWO PAGES LETTER during XX/XX/2022 to XXXX XXXX XXXX. ) Barrowed {$670.00} ( DOLLARS XXXX XXXX ONLY ) from XXXX XXXX XXXX before COVID-19 PANDEMIC and paid total {$1000.00} ( DOLLARS XXXX XXXX XXXX XXXX ONLY ). What you want more than that during PANDEMIC TIME?. Even Land Lords are not collecting Rents from Tenants during PANDEMIC. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you already reported it, please notify the credit reporting agencies that the debt is disputed and/or delate the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5- 77 ) require that you honor this request. Thank you. 

Sincerely, XXXX XXXX SIGNED XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU, 1700G STREET, NW, WASHINGTON D.C.-20552 XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS DURING XX/XX/2022 REPLIED TO SEND MORE INFORMATION, AS I WAS WITH MANY MEDICAL PROBLEMS AND XXXX XXXX CONDITIONS COULD NOT REPLIED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: MD

Complaint narrative:
Credit report is not accurate on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP

Complaint narrative:
I was stationed in XXXX XXXX in XXXX of 2022 in XXXX a purchase was made on my USAA card fraudulently in California for less than {$100.00}. I had not used the card in years so I didnt check it often and because I was now overseas my mail was really backed up so by the time I received paper bills I saw a past due payment. USAA looked into it and deemed it was fraudulent and refunded my money about 4 months ago. At the time I was told I would receive a letter stating that I was a victim of fraud and I was not responsible for the charges. I never received the letter and hired XXXX credit monitoring to dispute the claim on my credit and it was returned stating there wasnt fraud and I was responsible. Immediately after I contacted USAA credit card department and after 2 hours on an international call I was told they addressed the problem with the paperwork and it would now be fixed and removed from my credit report. I filled a dispute again through XXXX and three weeks later the dispute came back the same as the first time. I will be returning to the United States in 3 months and I will need to purchase a vehicle and a home, I need my credit report fixed as soon as possible so I can prepare my family to execute orders back to the US.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: NC

Complaint narrative:
I have complained and disputed these charges multiple times and I will continue to as long as they remain in my credit. This company lied from the beginning to get my business then reported over {$1400.00} late for XXXX that they failed to discuss with me first because I couldve very easily handled it. Now they are ruining my credit by continuing to report late payments. I requested to lower payments for a few moths before I got behind in payments to avoid getting behind and they allowed me to only to report that I am late on my credit and continue to damage my credit. Everybody complains about this companies disgusting behavior and nothing is being done about it. This needs to stop now.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax ignored all the files submitted in complaint XXXX and told me to call them or use their site which had they reviewed the files they would know I have done and was unsuccessful I am ready to sue them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
The company portfolio recovery calls my cell phone multiple times a day. They send letters to my house. I stop answering the cell phone because there was a lady that said she was a lawyer, she was so rude and she called everybody that had my last name and who were married into my family. I was very embarrassed and didnt know what to do. Ive been going through this since 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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 keeps closing cases without investigating file submitted. I am ready to file legal action as previously stated when I call they never help correct inaccuracies due to mixed account. Then when I try to use the site I can not be authenticated or verified due to mixed accounts SO AGAIN I DO NOT HAVE ACCESS TO PROVIDE SPECIFIC INFORMATION BECAUSE I DO NOT HAVE ACCESS TO MY CREDIT PROFILE. 

FOR THE INCOMPETENT PERSON WHO KEEPS ERRONEOUSLY CLOSING THE CASE WITH FALSE RESOLUTIONS THAT HAVE BEEN PREVIOUSLY DOCUMENTED AS NOT EFFECTIVE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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
State: CA

Complaint narrative:
Dear Support Team, I am writing to appeal the permanent limitation placed on my PayPal account. I believe that this limitation was made in error, as I have not violated any PayPal policies or terms of service. 

As a responsible and law-abiding user of your platform, I have always followed the rules and guidelines set forth by PayPal. However, I was surprised to receive notice that my account had been permanently limited without any prior warning or explanation. 

I would like to request that PayPal re-investigate my case and consider restoring my account if possible. I am confident that a thorough investigation will show that I have not engaged in any activity that violates your policies. 

Furthermore, I would like to assure you that the email address associated with my PayPal account is XXXX. I kindly request that any communication related to this matter is sent to this email address. 

Thank you for your attention to this matter. I look forward to a prompt and fair resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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:
Investigation has been submitted multiple times and has yet to be resolved and has and is taking more than 30 days and the information is still reflecting incorrectly on my report. 
XXXXXXXX XXXX the complaint number.

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 2023-04-25 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
State: CA

Complaint narrative:
Dear XXXX XXXX, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake, and I have not violated any PayPal policy. 

I was shocked to learn that my account had been permanently limited without any prior warning or explanation. I have always been a loyal and responsible PayPal user and have never engaged in any activity that would violate PayPal 's policies or terms of use. 

I respectfully request that PayPal re-investigates my case and restores my account if possible. I believe that there must have been some misunderstanding or mistake, and I would appreciate the opportunity to present my case to a PayPal representative. 

I am willing to provide any information or documentation that PayPal may require to support my appeal. I have always valued my relationship with PayPal and would like to continue using their services. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: TX

Complaint narrative:
My personal information got leaked in the Equifax data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, due to suspicious activity on my report. I reached out to Equifax and was advised them fraudulent items could not be removed due to me not send enough supportive information although Equifax are the ones that breach my information. I then asked what additional information was needed to have the identity thefts items removed and was advised they could not tell me that as their system determines what supporting documents are sufficient to have identity theft items removed therefore they are solely now going to go on the word of the debt collector which is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: IN

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: IN

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 I attempted to deposit two checks into my business account a check from XXXX XXXX  and I deposited them the incorrect way so Chase bank rejected the deposit so I sent the check back to the originator had them put my name on the check and she sent me back another check to deposit as well for services rendered from my company XXXX I have already had previous checks clear from this company when I called to inquire as to why I cant get some of my money, because this is a business and you have to keep running and if youre taking my money and holding it up there, I cant get things done so I spoke with a guy and he told me to give it till XX/XX/XXXX which is when the hold will come off I asked to speak with a supervisor as well to understand why this is the third time they have made my account go negative and they have not released the hold, so I speak with a supervisor and the supervisor asked me well why did the lady send me a check without my name on the check and I said that I except all forms of legal tendered deposits or payment for my services rendered and I did not have an answer for that. I told him to ask her and at that point he told me mm, were not gon na take the hold off. Nor are we going to clear your balance and release the hold on the checks so with that thats straight up discrimination because theyre not doing anybody else like that my account is still right now today- {$9500.00} when they have my money they have the check the money has been released from the other bank and theyre still choosing not to clear my account and give me the money that my client paid me. This is Chase Bank. Once they found out that I was XXXX things went very very sour and with thats when they hung up on me and I have not talk to anyone since I am planning on calling back this morning. That is my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX. I sent them a letter, with a copy of all the inquiries made from this company, asking them how did so many inquiries appear on my credit report ( experian ). 
XXXX XXXX is showing multiday times during the day and week and months that I checked my credit. This is false and it is fraud. 

I do not use XXXX XXXX. 

The letter with copy of data was returned to me, stating the building is vacant. 

This is the same address which appears on Experian. 

False advertisement is being used that you can check as many times and it will not hurt your credit score. That is a lie. It does. 

The address I used and which is on the Experian credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. Vacant. Unable to forward.

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