vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XXXX XX/XX/2020 I tried to close my account with paypal.com and they would not allow it there is no way for me to get my money from the account because they will not offer me any options to do so. This is theft.i have tried to get my money and close the account since XX/XX/XXXX but every attempt i make they wont help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
Not Legal Validation & Re-ageing Debt I wrote TransUnion regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. TransUnion is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. TransUnion is in violation continuing to report. 

Also the debt was Re-Aged by TransUnion which is a violation according to the FRCA. Debt should be reporting accurately with factual 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 2021-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX we purchased an apartment in XXXX XXXX, NJ and obtained a refinance loan primarily for renovations. At that time Wells Fargo provided an appraisal of {$330000.00}. At the time the appraisal seemed very low and there were multiple material discrepancies in the appraisal report itself. We disputed the appraisal but Wells Fargo sided with the appraiser. 
In XXXX of XXXX, given the very low interest rates, we decided to refinance from a 30 year mortgage to a 20 year mortgage. Again, the Wells Fargo appraiser visited our residence and returned with an appraisal that was well below the appraisal from XXXX ( prior to all the renovations being completed ) of {$260000.00}. We disputed this appraisal, and it was adjusted to above the original appraisal from XXXX to {$350000.00}. We remained unsatisfied as apartments of this quality sell for much more in this immediate area. As with the appraisal in XXXX we thought that perhaps there was some bias in that this is a XXXX  household, especially given the lack of explanation from Wells Fargo. Because we disputed this second amount with a claim of bias this was 'escalated ' to Wells Fargo 's executive offices for redress. We were contacted by the office and a 3rd appraisal was scheduled. Again, the appraiser visited our residence and returned his appraisal ... this time below the adjusted amount of the original XXXX appraisal and BELOW the XXXX appraisal DESPITE THE FACT THAT THE APPRAISER NOTED IN HIS REPORT THAT PRICES OF APARTMENTS IN THE BUILDING AND THE AREA HAVE REMAINED STABLE AND INCREASED. The last appraisal was {$320000.00}. 
We asked how, within a space of less than three weeks can a value go from {$260000.00} to {$350000.00} then to {$320000.00} ... the representative stated that " appraised values are simply the opinions of the appraisers '' We have had contact with the executive office at Wells Fargo but they 'stand behind ' all their appraisers and their reports. The agent at Wells Fargo stated " appraised values are opinions of the individual appraiser '' lending credence to the likelihood that this is same-sex discrimination. The written correspondence from Wells Fargo intentionally omits several material facts and when asked why, the representative said he didn't think these material facts were relevant.

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 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE 3 CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS 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 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Contacted XXXX about the debt, they stated they thought someone else had taken out another phone in my husbands name couldnt find anything with his social security number ... two weeks later they removed this account from his credit report and closed it and said resolved which brought his credit up now this happened in XXXX I have the documentation, then they sold the account to Jefferson capital systems which now they keep hitting his credit report I called them and they said they had this account since XXXX which makes no sense if they closed it threw XXXX and put resolved Jefferson capital system said they are going to dispute it but we will still probably have to pay which I think is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I contacted equifax via telephone to inform them that my personal name was incorrect. 

They refused to update to correct name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Someone applied for credit and my information was ran 9 times on my XXXX, Trans union and XXXX 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 2021-04-30 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: MD

Complaint narrative:
Someone applied for credit and my information was ran 9 times on my XXXX, XXXX XXXX and experience 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 non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened an online checking/savings account on XX/XX/XXXX with Citi bank for the promotion of {$400.00} if I maintain a combined balance of {$10000.00} for a three month period, AND an additional 30 days for the promotion to be transferred. I called back in XX/XX/XXXX to inquire when my promotion would be awarded and citibank told me it would be in by end of XX/XX/XXXX. 

I called back on XX/XX/XXXX and asked why I wasn't seeing a promotional balance when it has already been five months since I opened the account and maintained the balance. Citi bank opened a ticket/dispute, and said they would contact me within five days with a resolution. Five days passed and I called again and they said the ticket has no updates and that I should call again the next day if I don't hear back within the day. So I called again the next day and this time the representative told me I would need to wait three more days as that is the expected end time for the ticket to be resolved, which is different from what the other representative old me ( five days ). I asked if I could take out the funds because I needed it for emergency family use, but they said if I take out the funds before the promotional balance is given to me, I may be disqualified for the promotion. At this point, my {$10000.00} has been in Citi bank for more than 6 months and I am losing money by not being able to pull it out.

I searched online because I knew this was unfair business practices to see if other people had the same problem as me, not being able to claim their promotion. I found that this is a common practice, citibank puts in fine print about not being about to pull out funds until the promotional balance is given, but they don't give the promotion in the advertised timeframe of thirty days. 

I don't understand why they needed to create a ticket for my promotional balance when it should have been given to me in the first place. Because I made a mistake by keeping my promotional balance in my savings not checkings, I lost out on the promotional deal the first time back in XXXX, so this time I made sure I met all of the requirements and confirmed with the support team TWICE. 

I believe that Citi Bank is intentionally not providing promotional balances until customers call multiple times to get the money because Citi Bank is trying to take advantage of the money they have for the additional thirty+ days and capitalizing it while holding customers hostage to keeping their funds in their Citi account because we can not pull it out until the promotion is given. 

This is unfair practice and I believe they should be sued for this type of reoccurring practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Not Legal Validation & Re-ageing Debt I wrote XXXX regarding Portfolio ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. XXXX is refusing to remove an account that the original which is Portfolio RC refusing to Validate. XXXX is in violation continuing to report. 

Also the debt was Re-Aged by XXXX which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Synovus Bank
State: GA

Complaint narrative:
I closed on my home XX/XX/2020 and moved in about 30 days later. After several weeks I started taking notice of a lot of big problems that were not disclosed. The bank and the appraiser committed fraud. I have leaking cast iron pipes which are leaking gross water into the partial basement, they are XXXX XXXX XXXX and the plumber said they were stopped up with rotting pipes. There is always water in the basement, Green, white, and black mold and mold inside the house and on the hardwoods. There is structural damage on the outside of the house, someone had replaced the windows in the basement with plexiglass and placed a strip of wood to hold it in. ( I discovered this after I was robbed ), termite damage rampant, roof leaks which have turned to ceiling damage. I was told this had been repaired but no. I do have pictures to enclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS 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 explanation
Consumer complaint received 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE XXXX CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California
State: CA

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT AND DISCOVERED A FRAUDULENT ACCOUNT THAT WAS OPENED UNDER MY NAME : COLLECTION CONSULTANTS OF CA - ACCOUNT NO : XXXX. I AM A VICTIM OF IDENTITY THEFT. SOMEBODY STOLE MY PERSONAL INFORMATION AND GOT AN MEDICAL HELP WITHOUT MY KNOWLEDGE. I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL IDENTIFICATION INFORMATION FOR ANY REASON. I AM A VICTIM OF FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 for months 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 used PayPal quite frequently.My funds are stuck in paypal, My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number?

2.What was the original amount owed?

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4.What was the original date of delinquency for this account?

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6.What did you pay for this account, and how did you calculate the current amount owed? 

I never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. 

IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, my new capital one account number is XXXX. I have been a satisfied customer of Capital one for over 9 years. 

Capital ones outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, My account was compromised. Fraudulent charges were made on my account without my knowledge in the month of XX/XX/2019. Sadly, on my credit report it states I was 120 days late from XX/XX/2019 through XX/XX/2019. 

I had been carrying a sizable balance for several months. Then, I finally paid off the full balance in XXXX of 2019. 
I decided to pay off my balance because I knew I would be out of the country for several months to take care of a family member. 
Upon returning to the XXXX I realized my account had fraudulent charges and my card was missing. I immediately reported it to the credit card company. The representative took my claim but unfortunately did not file everything correctly. He had only disputed a portion of the claim. So I had to dispute the fraud charges a couple of times. As a result my claim was resolved in my favor. ( I have attached a copy of the proof with this letter. ) Capital one records will show I had never been late with a payment prior to this unfortunate event. As a long-time customer in good standing and for the integrity of the account, I respectfully requested to remove the late payments from my file as it is adversely affecting my credit report. The reporting of the late payment to all 3 credit reporting agencies should have been avoided by capital one due to them preforming a through investigation which clearly proved the charges indeed were fraudulently made.Thank you very much for your consideration and hope to hear from you soon. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TX

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: PA

Complaint narrative:
Not Legal Validation & Re-ageing Debt I wrote Equifax regarding XXXX  ignoring my dispute letters for months now and did not send me anything to Validate the debt and by not responding agreed that this account to be removed. Equifax is refusing to remove an account that the original which is XXXX XXXX refusing to Validate. Equifax is in violation continuing to report. 

Also the debt was Re-Aged by Equifax by 2years which is a violation according to the FRCA. Debt should be reporting accurately with factual information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I always make my payment over the weekend during the week that usually the time the credit card is due. Last month I know for sure I had made a payment over the phone. 

I know I'm multiple occasions when I do the payments over the phone, a lot of times there might be problems. Or for some reason those payments could take so many days before it actually registers. 

I do not try to call the representatives, because sometimes it could take long on the phone before anybody answers. So everything is done through automated. 

Apparently last month when I made the payment it never went through. However I was not aware that that payment was not processed. Just a few days ago is when I got notified that the payment never went through which was Weeks later. However due to that action, they reported me late on my credit card. Which I have not been late on the credit card and the very long period of time. That affected my credit report which is affecting me from obtaining any credit. 

I was charged late fees, it's not my fault that there's some trouble at times with their phone system. So I'm looking to have those fees refunded I know they also do not want to negotiate with lowering my interest. So I'm also asking for help on that.

Company response to consumer: Closed with explanation