vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 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: CO

Complaint narrative:
Basically I received money from unemployment through direct deposit and they permanently closed my account I went through there resolution process and tried to call but was on hold for hours I sent them all the information they requested to verify my account and got no reply please help me be able to access my account funds I have kids and rely on that money to keep a roof over there heads please XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to Net Credit, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I been a client of Chase bank for the past 7 Years and now they are closing my 3 accounts without a justify reason, they said is " confidential ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
On XX/XX/XXXX someone has fraudulently opened and acct under my name with Barclays Bank Delaware. 

I have reported this info to Barclays Bank, they have completed their investigation and assured me that this account will be closed and removed from all credit reporting agencies. 

I have also received a later from Barclays Bank dated on XX/XX/XXXX stating such : " Dear XXXX, This letter confirms that the fraud investigation has been completed on the above referenced Frontier Airlines account. After conducting our investigation, we have determined that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud related information from your credit report. '' - End of first paragraph. 

As of today, XX/XX/XXXX this account is till on my account and I been on hold with Barclay Bank for over an hour after which the lady that picked up the phone hanged up on me. 

I'm very disappointed and would like your help in making a report in being a victim of fraud. 

I kindly thank you all in advance for all the help, 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 2021-02-26 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: HI

Complaint narrative:
I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.

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 2021-02-26 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servatus Corporation
State: CA

Complaint narrative:
Credit Solutions Corp was outsourced by XXXX XXXX to pursue DISPUTED DEBTS over XXXX years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. Credit Solutions ran a HARD INQUIRY. After speaking with the Collection manager of XXXX it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the XXXX was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

Credit Solutions Corp is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old zombie debts, by poisoning consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate 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 2021-02-26 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: CA

Complaint narrative:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: CA

Complaint narrative:
I have reached out to company on multiple occasions as they continue to report the wrong amount currently due by over {$1000.00}. I have made on-time payments since the inception of the loan in XX/XX/2019 and have paid down a {$1000.00} of the loan, but despite reaching out to XXXX XXXX, they continue to report the wrong information to credit bureaus. I owe approximately {$5300.00} and they continue to report {$6300.00} which shows I have made NO progress toward to repayment. I don't know why they can't report accurate 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 2021-02-26 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: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX Citi bank reported 1 late payment to the credit bureaus while I was battling XXXX XXXX illness with XXXX that my county ordered me quarantine notice and the rest of my family and XXXX year old son as well. While facing the corona virus, on XX/XX/XXXX I tested positive and an clear explanation by me to the Citi management team to make accommodations to reverse the negative report that has affected my score and in a pandemic and truthfully sick they replied to me and said were sorry we can not do anything about it, I figured if they were in my shoes maybe they would of had some sympathy. Although a payment due on XX/XX/XXXX for XXXX that includes XXXX and XXXX amount and I processed electronically and Citi bank received XXXX $ to satisfy the total amount of due and the date of the statement and the date I submitted a payment is within fair credit for the consumer, in XXXX I had absolutely no way of leaving home while I was a high risk due to my illness of XXXX I have official documents from XXXX county health department with an order.

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 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: ME

Complaint narrative:
I had know knowledge and try to work with them but they refuse and very rude also I try to have them remove off my credit report because say charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My vehicle at the time was reported stolen in early XXXX  and settled with insurance which paid only blue book value at the amount of {$4600.00}. At this time, Credit Acceptance was showing a remaining balance of {$4300.00}. I'm not denying there was a balance. I am denying this account being OPEN. They are reporting an open account on my credit and adding monthly fees as if I am in possession of this vehicle still. Although they updated amount of remaining balance in XXXX oXXXX XXXX as {$4300.00}, they reported a remaining balance of {$4200.00} in XXXX of XXXX. That amount remained the same until XXXX of XXXX which at that time was listed as {$5100.00}, which an additional total of {$860.00}. Every month after it has been additional amounts ranging from $ XXXX {$70.00} in different amount each month up until the current month, now showing I owe {$5600.00} as of this month. I have disputed this account and amounts a few times from different credit sites and they seem to continue to report this account as being open. I would like it to appear as closed as it is a closed account. I can not get my credit score under control because of this company.

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 2021-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
This loan was charged off at {$3300.00} ( approximately ) in XXXX. When I hired XXXX XXXX in XXXX to challenge this item on my credit reports, Opportunity Financial changed the amount and retaliated against me by increasing the amount due on my credit reports to over {$5100.00} with no justification. Opportunity Financial has a legal obligation to accurately report the past due debt. Likewise, the creditors have an obligation to report accurate information which has been wrong now for more than 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Discrimination on a population, race, or gender. I am a XXXX woman owned business working to create affordable housing and revitalize my community through community development in Arkansas. I was wrongfully denied a mortgage loan for an investment property after being told verbally that they didn't see any problems with the loan. I have collateral, good credit, relationship with the bank for 35 years and they see my monthly cash flow. There is no reason I should have been denied. I feel that the bank mislead me to think that I would be financed. This was wrong and I want justice because this isn't the first time that I have been wrongfully denied a loan at this bank.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion & XXXX dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently 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 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: UT

Complaint narrative:
I recently checked my credit report and I found a derogatory debt that I owed. I don't recognize the company who reported it to the credit agency. It stated that I owe {$1900.00}. The debt I owe was reported XX/XX/2021. It is a collection account from M & M CREDIT. The original lender states XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Good Evening, I have an FHA mortgage and I pay the mortgage payments to my mortgage provider, Pennymac USA. Back somewhere around XXXX or XX/XX/XXXX, I contacted Pennymac to see if I qualified for Covid-19 Forbearance ( Due to Cares Act and my financial hardship ). ( I'm going to request a copy of the conversation next week ) I mentioned I only wanted to take Forbearance if I can take what I owed and add it to the end of the mortgage ( Covid-19 Standalone Partial Claim ). I was told yes and I went ahead and took the Forbearance. 

Fast forward to today where I'm trying to get off of forbearance and I called to get a game plan to get me off of Forbearance. They told me I don't qualify for the Covid-19 Standalone Partial Claim. I only qualified for the Lump Sum or Loan Modification, when I got off of the forbearance. They said that to be eligible for the Covid-19 Standalone Partial Claim that " I have to be current as of XX/XX/XXXX ''. 

After further research within the hud.gov website, under Mortgagee letters ( Mortgagee Letter XXXX ) one of the eligibility says the following, " the Mortgage was current or less than 30 days past due as of XX/XX/XXXX ; '' I paid the XX/XX/XXXX payment on XX/XX/XXXX. So technically I was NOT current BUT there is the OR clause that says " or less than 30 Days past due as of XX/XX/XXXX ''. There are no asterisks or quotes around that, or anything stating to take a leap year into effect. Therefore technically as of XX/XX/XXXX I was 29 days past due. 

Therefore I believe I should qualify for the Covid-19 Standalone Partial Claim but for the whole month of XX/XX/XXXX I keep getting a " no I don't qualify '' or " we interpret 30 days past due with Leap year consideration ''. Again nowhere does it say anything about leap year, etc. My due date could be on the 15th and technically I would be 14 days past due as of XX/XX/XXXX. 

I attached the document straight from the hud.gov website ( https : XXXX ) that shows my proof of why I should be eligible. I keep requesting Pennymac to provide proof why I don't qualify but keep getting the runaround. 

Please assist and thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I ordered a tax software XXXX  that I tracked and " deivered " in a day. 
I waited a week and nothing arrived. There was a chat box on the supplier as I purchased it thru XXXX XXXX XXXX XXXX XXXX XXXX The chat box was the supplier " XXXX '' They said they can supply me software on a flash drive but not on a disk as advertised with plastic sleeve. This smells like a counterfeit copied software. I do not want it as " virus '' can be on flashdrive. Please credit me on this disputed purchase XX/XX/XXXX, XXXX for {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Intent was for my XXXX primary marketing tool to be designed and constructed by XXXX XXXX XXXX Due to dysfunction ( lack of infra-departamental communication, no initiative, no transparency with clients ) the developmental pace was slower than an ant. The infiltration of their server still provoked more patience on my end but once again the communication was horrendous and I had inquiries beyond inquiries ignored. I knew there were issues but when my PM apologized yesterday and confirmed that he left the company I knew it was time to jump ship. He admitted that my time was wasted and that nothing would come of my website. Lastly, the number to their business was changed. I was given a timeframe during the third week of XXXX of one month to view a prototype. 

This merchant has taken the most unprofessional angle possible. By the grace of my higher being Ive involuntarily elected to not perpetuate a negative act because the consequences arent worth it. I just want my XXXX : what Im constantly losing weight and closing my eyes about because I believe in its endeavor. For once, doing something the RIGHT way for myself felt phenomenal, only to have its tangible feel relinquished from my grip. Miraculously, I overlooked the dissolution of XXXX without losing my XXXX mind because I believe that adversity defies our character and diligence. I really need help to right the way of XXXX XXXXXXXX by obtaining my money and domain from a business that I want to file a lawsuit against. If ANYONE on your end establishes contact with a rep of XXXX XXXX XXXX I must be notified at once to re-obtain my domain and respect! 


It was a train wreck before my monies were paid and will always be ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Due to XXXX XXXX 's Immigration Lawyer, XXXX XXXX, & Operations Manager, XXXX XXXX, money was wired from my account Domestically & Internationally on the following dates : XX/XX/XXXX for {$2600.00} for XXXX XXXX XXXX XXXX ; XX/XX/XXXX for {$3400.00} for Security Clearance ; XX/XX/XXXX for {$5600.00} for Non Resident Overseas Account ( XXXX Bank XXXX ; XX/XX/XXXX for {$4200.00} for Administrative Fees ; and XX/XX/XXXX for {$6000.00} for Government Tax Levy Fees. 
All of these wires were scams & JPMorgan Chase Bank informed me that they can't help me retrieve my funds, nor put in an incident ticket, which were to fraudulent accounts in which Chase had no issues releasing my money from my account in the first place. 
The tracking numbers I have been provided are as follows XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation