vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: PA

Complaint narrative:
On XX/XX/2020 I wrote out a mortgage check # XXXX in the amount of {$1200.00} and mailed the mortgage payment on XX/XX/XXXX. I have a two week grace period, up to the XXXX of each month before it is considered late. I received a letter from Provident Funding on XX/XX/XXXX stating that they did not receive the payment. I called Provident Funding on Tuesday XX/XX/XXXX and spoke with a representative about my {$34.00} late fee along with the missing payment. I gave the check number, and the representative on the phone looked in the mail to see if it had arrived and stated that it was not there. I called my bank and they checked if it was cashed, which it wasn't. For two days, I checked my account to see any account activity about check # XXXX. Thursday, XX/XX/XXXX, I canceled my check. Come XX/XX/XXXX, I wrote a new check # XXXX out for {$1300.00} and took it to the post office and paid for registered mail, so they had to sign when they received the check. As of today, XX/XX/XXXX, they have not received it and still wish to charge me for an unpaid mortgage, along with putting my name in credit collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account was reportedly closed in 2015 and continued to report for 3 years and still appears on my credit report 5+ years later.

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 2020-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020, Saks Fifth Avenue closed my account without notice. I called the Cus. Ser. number and they informed me my account was closed to inactivity. 

I explained that during XXXX I have had severe medical problems ( on XXXX XXXX list ) and I was unable to shop or use my computer for online shopping. I recovered enough last year to finally go outside. Then the corona virus hit and everyone could not go out. 
The Saks employee said we have the right to cancel your card anytime we want. I have been a Saks card holder for over XXXX yrs, and even worked at Saks as a young woman. My credit score has been effected by Saks actions without me violating any part of the contract. This is a very unfair and hostile way to treat a loyal customer especially because of the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: CA

Complaint narrative:
I received an email that my information was exposed in 2 big data breaches in 2018. The first one was XXXX and the second one was XXXX in the same year. I was wondering why I kept getting so many calls about stuff I had no idea what they were talking about. Then One day I got a call that my social security number was cancelled or something and I started giving them my information and like 20 minutes into the converstion I started realizing that it sounded like a scam, but by that time it was too late they already had my information. Next thing I know I saw my credit score drop like 140 points. I downloaded a copy of my report and saw that there was fraudulent information and incorrect information on my report. This is due to the identity fraud and I need this information removed asap!

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is being reported inaccurately going back to XXXX. Conflicting payment information was repeatedly posted for XXXX - XXXX Charge Off vs. Paid vs. NR. Chapter XXXX note listed erroneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: SC

Complaint narrative:
I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( Transunion, XXXX, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, XXXX, Equifax ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I applied for a auto loan with XXXX for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by XXXX XXXX XXXX XXXX. I recently applied for a loan ( not XXXX ) and noticed that there were some inaccurate information being reported by XXXX on XX/XX/XXXX to ( XXXX, Experian, XXXX  ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with XXXX bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.

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 2020-06-05 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: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Quicken Loans, INC has reported via XXXX  an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AZ

Complaint narrative:
XXXX XXXX, XXXX has reported via Experian an erroneous late 30 days in XXXX XXXX and a late 90 days in XX/XX/XXXX. All payments were made on time until the sale of the home shortly thereafter. Current information is inaccurate and harming my ability to purchase a new home 6+ years later.

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 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Monday, XX/XX/2020 Advance America Manager contact me to schedule a payment, stating my account is 30 days late and continue to incur a late fee. 

My monthly payment is {$280.00} and due on the XXXX of the month. On XX/XX/2020, my payment of {$280.00} was returned by the bank. I contact Advance America and made payment arrangements. I made the following payments : XX/XX/2020 {$130.00} cash XX/XX/2020 {$180.00} cash XX/XX/2020 {$250.00} cash, {$47.00} Cash XX/XX/2020 {$280.00} cash - PAYMENT TO MAKE UP FOR XX/XX/2020 PAYMENT XX/XX/2020 {$280.00} auth # XXXX XX/XX/2020 {$280.00} debit TOTAL {$1400.00} In XXXX, I made two payments to bring my account current. On XX/XX/2020, I was informed that my second payment in XXXX to bring my account current was applied to the loan interest and I would need to make an additional payment to bring my account current. 

My understanding is that Advance America is not disputing I made the payments above, the dispute is that they will not apply the second payment to the XXXX payment returned by bank. 

I spoke with the Manager and an employee and both state there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NJ

Complaint narrative:
I ask them to remove information along with the letter again nothing has been done. The inquiries from XXXX XXXX  XX/XX/XXXX has informed me they do not have a request from me and can not verify my social number. XXXX XXXX XXXX XX/XX/XXXX also informed me they did not have a recorded of my credit request. UCS XXXX did not have my permission to run my credit score. XXXX XX/XX/XXXX did not have my permission to run my score. XXXX XXXX XX/XX/XXXX I have an account with XXXX for the past 20 years and there is no need to have my credit checked. I never authorized any credit check from XXXX, I did not have my permision to run my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After communicating with this debt collector several times to leave me alone, they still will not stop. They tried again today, XX/XX/2020, at around XXXX XXXX. I have communicated through written and verbal communication that I do not want to be contacted, as they have already reported me to credit bureaus without validating any debt. I recorded myself again tonight telling them to leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX Credit Card Account Status Account is still delinquent status XXXX   XXXX XXXX XXXX is Joint contractual liability I have asked to be deleted from this contract they have not done it yes. XXXX XXXX XXXX Consumer disputes after resolution auto. XXXX XXXX XXXX open account still payments are being made by financial counseling program still showing delinquent. XXXX XXXX XXXX is showing open debt was closed The have put this account into collection original Creditor XXXX XXXX. Wells Fargo DLR SVC XXXX XXXX this account was discharged in bankruptcy XX/XX/XXXX Consumer disputes after resolution re-affirmation of debt. XXXX XXXX Credit Card delinquencies XXXX XXXX XXXX XXXX account was delinquent 90 days account was in dispute now resolved reported by provider account was paid off XX/XX/XXXX needs to be deleted Credit Bureau dispute.

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 2020-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
So on or about XX/XX/2020 I had a lady named XXXX XXXX call me from the executive office of chase and we spoke for some time she stated to me that as of XX/XX/2020 that I had been added to the loan she then went on to state that in XX/XX/2020that one of the loans had been taken out of forclouser so that I was good on that one she then stated to me that on XX/XX/2020 that the other loan had also been taken off foreclosure she then stated that I was denied a mortgage assistance and it could have been because my name was not on the loan at that time she then advised me that I should hurry up and file new paper work for mortgage assistance now that I have been added to the loan she also advised me that sence I have so much equity into the house that they should be able to use that to catch up what I am behind she said there was about 105 k owed on the place and that the value of it was around 280k so there is plenty of money there to do so she then stated she was going to send me everything that we had talked about on the phone which I have never received she also said that my relationship manager would be calling me to see what options we have and talk to me about the equity and using that well I still haven't talked to her they did call and leave me a message about giving me XXXX to move out but when I returned the call all I got was a machine and never a call back well I'm still getting papers saying that the forclouser is still set for the sale date well if both loans have been taken off forclouser wouldn't they have to start all over again not just to decide that they are going to move forward with it and keep all of the same dates after they took it out of forclouser they are just trying to steal the equity that I have in my house and not trying to work with me what so ever I think they should take some of the equity I have and put it towards what I'm behind and then start letting me make my payments again instead of trying to steal my house do they even have legal right to for lose sence they don't even own the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello, A month ago, I decided to open a new PayPal account to receive payments from my friends, or sometimes for my small digital sellings, since I rarely sold stuff, I didn't wan na make a business account, a week later, after receiving some credit from friends, PayPal has decided to limit my account. 
Me, as a legit person, have decided to provide my bank statements, ID card, Passport, and even most of the information asked, unfortunately, there was a technical issue, and whenever I clicked on confirm identity an error message popped, I decided to make many phone calls every day in order to solve the problem and provide the one left documents needed, I emailed you and messaged you multiple times hoping for support, unfortunately, I haven't received ANY response, I decided to message support via XXXX, still no response, then finally I went on XXXX, and after messaging from both of my accounts and after A WEEK, I got finally a response, they all promised the same thing until today I kept asking via dm to look through my account to see where is the problem, unfortunately, I received an email saying my account got PERMANENTLY limited, without stating the reason why, apparently I haven't done ANYTHING wrong, I have always been a great user, never did anything bad. 
Today after permanently limiting my account, I have 70+ dollars in hold for 180 days, I am still a student and I need that money in order to buy groceries and stuff, I've been very patient and they were all rude and never answer phone calls or help, they just say the same things, while contacting them again they said they can't help. 
Please try and help me solve this issue. 
I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 
Thank you. 
My PayPal email : XXXX My PayPal Reference ID : XXXX Sincerely.

Company response to consumer: Closed with explanation