vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX I called the mortgage companies, US BANK loan # XXXX {$53000.00} and XXXX XXXX XXXX XXXX XXXX loan # XXXX {$160000.00} and requested all of my signed loan documents as I noticed that in XX/XX/XXXX I requested a pay off amount for a possible refinance I found out that the mortgages amounts are the same or more as to when I first took the loan back in XXXX. Thirteen years of payment and no equity? This doesn't look right to me. 

To today 's date I have only received my loan documents from US BANK but not XXXX  ; I have been asking for a month an half for the loan documents to XXXX and they are unable to provide me with the documents. at this point I am not paying them until I get the documents. 

Please hel me resolve this matter and you can call me at 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 2020-06-19 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: CURO Intermediate Holdings
State: MD

Complaint narrative:
The Debt Collection Company who is Reporting this to my Credit on Speedy Cash 's Account has ReAged this account which is a violation of the Fair Credit Reporting Act. 

I've disputed this Item with the 3 Credit Bureaus and because I disputed this account they re-aged this which dropped my Credit Score Dramatically. 

I want this Collection Agency Investigated. They are treated this account as a new collection item which it is not. This account is Two Years Old. 

To Begin with this company is charging Unfair Interest Rates that are astronomical which is how i got in this position in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. 

Fraudulent Accounts? 
1. XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 
1. XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX 7. XXXX Date Filed XX/XX/XXXX 8. XXXX Date Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. 

PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XX/XX/XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2020, I received an email notifying me of a charge to my PayPal account for {$340.00} from a microcomputer service company that I did not authorize. I thought my PayPal account had been deactivated at least 6 years ago and called PayPal at XXXX as advised in the email. When I made the call, I received the usual notice for today that due to COVID, the PayPal customer service department was closed, but that functions for billing disputes were available. In the process of working with a PayPal employee to resolve the issue, access was provided to Paypal to determine what happened and how to prevent access to the Paypal account going forward. In the process, the Paypal employees ( names with dates and amounts are provided in the attached documentation ) transferred monies between my accounts and used my accounts to make unauthorized purchases. Also, Paypal requested funds in the amount of {$2000.00} through 4 gift cards to prevent unauthorized access to my " deactivated '' Paypal account. XXXX XXXX  and XXXX XXXX XXXX stopped all but one of the transactions from being completed through their fraud surveillance departments. The letter sent certified mail to Paypal is attached with the supporting documentation and details including dates, names, actions and amounts. 

I am requesting a refund of {$2000.00} from Paypal for the gift cards used to purchase software to prevent unauthoriz ed access to my accounts. 

As additional detail, copies of emails and order confirmations for the original unauthorized charge of {$340.00} to XXXX XXXX XXXX XXXX are provided. These emails were received on XX/XX/XXXX. The address on the receipt is the corporate office address of Paypal while the address on the order confirmation email is for Paypal in XXXX, Washington. Again, this appears to be legitimate concern. I called the number given in the order confirmation email - the greeting doesn't mention Paypal. I spoke with a " XXXX XXXX '' who requested electronic access to my accounts to resolve the issue. Lesson learned - no access was given. Either Paypal 's accounts have been illegally accessed or they have rogue employees who are fraudulent conducting business in Paypal 's name. Either way, I need the refund of {$2000.00} as soon as possible. 

If any additional information is needed, my contact information is : Phone number : XXXX Address : XXXX XXXX XXXX XXXX GA XXXX Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: OK

Complaint narrative:
I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX ) is. I have never signed an agreement with XXXX ( AXXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, Experian and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with XXXX, Experian and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist

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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: SC

Complaint narrative:
XX/XX/XXXX two payments of XXXX & XXXX were made to cover XXXX and XX/XX/XXXX statements. ( After a long communication where the lender failed to make a one time due date change in XX/XX/XXXX ). XX/XX/XXXX a Credit was made to the account for XXXX by the lender as well as XXXX day lates removes from credit report and 2 -60 days late changed to 30 days late by XXXX XXXX ( a rep from the lender ). Mrs. XXXX said this would get us current for XXXX. XXXX payment ( due XX/XX/XXXX ) was paid XX/XX/XXXX ( XXXX ), XXXX payment made XXXX XXXX XXXX ), XXXX payment made XX/XX/XXXX XXXX XXXX ), XXXX XXXX and XXXX were deferred due to corona virus but more payments made XX/XX/XXXX {$400.00}, XXXX XXXX, XX/XX/XXXX XXXX. 
The company reported XXXX XXXX and XXXX late on credit report. The rep who had been assisting has left for retirement late XX/XX/XXXX and we are getting no where. Additionally they are still saying I owe XXXX for XXXX but Ive clearly overpaid since the first of the year. 
This has greatly impacted my credit since XXXX of XXXX when the due date change was never placed as I was told it would be when my request was made. The lender also continues to charge late fees when Im not late. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUITY LOANS LLC
State: GA

Complaint narrative:
Discriminates against women in the workplace and while analyzing mortgage applications. Charges higher interest rates to single female borrowers. Does not follow FHA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I paid off this loan at least a year ago and I was looking at my credit but noticed this loan had a balance which it shouldnt I log in to my account it says I have a balance due now when before it said nothing was due. I paid them over 8k and paid on time and paid off the loan. I called them and asked them where this new balance came from. They claim it was from me extending one of the payments during my loan period. My question is why did it take a year to all of a sudden pop up on my account when I paid off the loan. And furthermore I have not received a single piece of correspondence from them saying I owed anything not a phone all or email or a letter. Something is not right with this. Seems very shady I asked them to waive the fees due to how this was handled and they really dropped the ball they were rude about it and are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: LA

Complaint narrative:
In addition to my existing complaint is the fact of a 64 point difference between transunion and XXXX. Please explain this to me and millions of other consumers that I am sure have the same issue. This will all be shared on XXXX. Potential creditors don't/wo n't wait for ALL of the unreported info to catch up to date. A 64 point difference is an injustice to me and my good credit as well as anyone else. If these agencies don't have up-to-date information at any given date a " credit report '' is pulled how can they have any accuracy in their reporting. There is no wiggle room in ACCURATE, it either is or it isn't! Either you have the ability to have ACCURATE information on a daily basis or you don't. If you don't, then you shouldn't be allowed to be the determining factor in an individuals credit worthiness. As an American Veteran trying to stay physically and financially fit I wonder how many other Veterans are feeling my angst.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: PA

Complaint narrative:
Like in XXXX or XXXX Aprox I dont remember a exact date. I bought a bedroom set for my new apartment. When I knew The account was almost paid off I called the company so I could pay off all my account. They gave me the exact quantity of how much I owned them, I paid, The next day the were charging me the same amount I had payed the day before. I told them. How is that? He just told me, Im sorry he just made a mistake. It wasnt the first problem I had with them. For weeks I tried to log in in my account to see my account balance and I couldnt not. I contacted for help but they even never got me to log in to my account. I am on my right to think they were just scamming trying to get my money. I made a a dispute and XXXX  deleted the report, but they posted it again, I made another report, they deleted it and after a year it appeared again. But this time XXXX  didnt paid attention to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX  on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law.  Experian, XXXX, and XXXX and XXXX XXXX XXXX XXXX are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX  and XXXX XXXX XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, Equifax, and Transunion and XXXX XXXX XXXX XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. Experian, Equifax, and Transunion failure to positively verify these accountshas hurt my ability to obtain 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 2020-06-19 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:
Complaint XXXX was sent back saying they needed attached items. I will include attachments to show this is me and I need complaint sent to Experian! 


I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing and claim its verified. 


( Its there job to prove the account is mines or not )

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 2020-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I am new to credit and recently went to apply for a vehicle and they stated I have a collection on my credit report. I need this looked into and taking off my credit if they can't prove I owe this debt. 

This is greatly hurting my credit. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for and was accepted for a Capital One Quicksilver credit card in XX/XX/XXXX, with an introductory 0 % interest rate for 15 months. When I received my XX/XX/XXXX statement still said that 0 % interest applied, but to be safe I paid the full balance to ensure I would not be charged interest. When I received my XX/XX/XXXX statement it confirmed that the full statement balance had been paid in time, yet still charged me {$200.00} in interest charges. I called to query this, and was told that this must be part of the terms and conditions. I have checked said terms and can find no reference.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-19 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have been with Chase for years. I have 2 credit cards with them ( as well as my checking and savings ). I have NEVER been late. They have refused to increase me credit card limit time after time. Not only that, they now decreased one of my credit balances from XXXX to XXXX without my consent. There was no reason and I use my credit card often.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I allowed my husband to use my dillards charge to make a purchase when I was net to him online. Later that month I asked him for a list of the charges he made so I could reconcile against the statement. He went into his online account with Dillards and in the history of transactions, he was able to view all my purchases. Not just what he bought online but all my transactions that he had no right to see.

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 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to link my PNC checking ( spend ) account to my XXXX investing account so that funds are available to invest. When I try to link the account, I receive a message that PNC has made changes that prevents this type of activity and that I should file a complaint with CFPB. I also called PNC about this problem and they offered no solution. I tried to link these accounts multiple times on XX/XX/20 and XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a wire transfer from overseas from someone that I offered a service. That person transfer wired me money, I made the shipment of the goods they needed and after that they went to their bank and asked for their bank to retrieve that bank wire. Bank of America put my account on hold for 2 weeks, and now they decided to close it, but they never said that they would give me my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is very unjust and unfair in their decision making with helping consumers. Ive recently inquired multiple times to have a goodwill removal of late payments from my account which were denied. I know several people who have inquired about more and newer late payments being removed and their request was approved. I dont know how Capital One decides who to help and who not to help but its very unfortunate and unethical that this company is not fair in decision making with all of their consumers. When I asked the representative the reasons why my request were denied she could not supply any reasons besides saying there are policies. When I asked her to supply or read those policies she could not. I asked her to get me to someone or a department who could state the policy for me and she could not do that either. Capital One will tell the consumer a fake statement of we have to report accurate information to the credit bureau when that is completely false. Close friends who have had worse accounts then mine have been helped by Capital One for late payment removals. There is a XXXX page on Capital Ones unfair treatment to consumers across the board. Capital One does not lose anything financially or business wise by removing late payments from an account. My credit cards are paid off and closed. I understand they were my fault but I was going thru a very high risk XXXX where I couldve possibly XXXX XXXX XXXX and fell behind on payments and now I cant even obtain a mortgage loan to better my stability for my family. Capital One should at least train their staff their policies and factual reason for denials. I wish I had never done business with Capital One.

Company response to consumer: Closed with non-monetary relief