vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is getting ridiculous. This account is not mine. Portfolio continues to report this to the credit bureaus and does not even have the information to provide me. The letter from the creditor dated XX/XX/XXXX shows this was for a LOAN. I have never had a loan with XXXX. Every response the send me is the same information over and over again and nothing new. They provide me with statements that show between XX/XX/XXXX - XX/XX/XXXX nothing at all between XX/XX/XXXX - XX/XX/XXXX. That is 4 months of missing with nothing to show. How do I know there was not a payment, how do I know that the account wasnt closed and paid for. Also if this says for a LOAN on the letter why are they sending credit card bills. No charge off the bill showing when it was truly charged off. 
This has been going on for months. They dont even have my full social security number. They dont respond to my disputes in regard to what I am actually asking for and just keep sending the same generated responses. 
If this account isnt immediately removed I will file a lawsuit for defamation and harassment. I have had enough. 
NO purchase agreement, principal on the letters says XXXX and they are asking for XXXX. I also never have had a loan. Never got a letter from XXXX or anything from my portfolio until I started to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: VA

Complaint narrative:
I've been using PayPal to invest in XXXX, namely XXXX and XXXX. My investments are currently around {$7000.00} in XXXX and {$3000.00} cash. On XX/XX/XXXX I added the {$3000.00} cash to my PayPal from my bank account, and my account was promptly frozen. They asked me for documentation which I provided. Days later I got an e-mail saying I am permanently blocked from using PayPal and I can not access my {$10000.00}!!!!!! Please help me, I did absolutely, positively nothing wrong and I feel that I am being scammed out of a large part of my life savings. Doing some research online I found troubling stories from thousands of other people, going through the same problem. There have even been 3 class action lawsuits against PayPal for this exact reason. It seems that PayPal does not care that they are holding people 's life savings away from them for no reason whatsoever. They need to be punished for the people they have hurt! To see the thousands of horror stories one needs only XXXX search " paypal permanently limited 180 days ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Purchased vehicle XXXX XXXX. I believe I was taken advantage of regarding the interest rate on this loan from Well Fargo because of my credit score and 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 2021-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I saw in my credit report a debt for XXXX XXXX but its not me. They didnt want to listen was rude.

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 2021-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Checking and Savings account with Citibank using the following link : XXXX : XXXXXXXX XXXX & ProspectIDXXXX The following link has been taken down but the archive of the link and what it contained can be seen using the following link : XXXX XXXX XXXX XXXX XXXX XXXX Basically, you open an account with the first link I provided during the promotion period which was XX/XX/XXXX - XX/XX/XXXX, deposit {$15000.00} within 30 days of opening the account, keep the balance at {$15000.00} or higher for 60 consecutive calendar days and then wait up to another 90 days to receive {$400.00}. I opened the account on XX/XX/XXXX, I deposited {$15000.00} on XX/XX/XXXX, I completed the 60 consecutive calendar days on XX/XX/XXXX, I withdrew {$5000.00} because I completed the promotion but kept {$10000.00} to avoid the monthly fees and then another 90 days was waited which was XX/XX/XXXX. I have tried multiple times to reach Citibank regarding this offer, I have faxed proof regarding the promotion I signed up with and they are unwilling to help me and don't recognize any promotion existed. I will be attaching everything to this case.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grain Technology, Inc.
State: OR

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Grain Technology on XXXX A consumer transaction in which a finance charge is involved XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge does not include cash, but Grain Technology took cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
Dear Sir/Madam, I bought two Visa gift cards ( issued by US Bank ) in XXXX on XX/XX/2021, with {$500.00} loaded in each card. When I tried to register these cards, I was told they were not activated. I then noticed that the last 4-digits of the cards do not match the last 4-digits shown on my purchase receipt. I called XXXX immediately to report this problem and hope to find a solution. They asked me to fax them the documents, including the receipt of the purchase and the photocopy of the cards, and I did this on XX/XX/2021. I called them today ( XX/XX/2021 ) to check the progress of the investigation, and they said they can not do anything unless I can show them I bought the cards that I have in hand. This is what I can not supply because the receipt is showing different cards were activated. Because they know which cards have been activated because the receipt has the last 4-digit of the activated cards, I asked them to deactivate and issue replacement of the cards shown on my receipt, but they refused. Please help to solve the problem. The photocopy of the cards ( front and back ), the photocopy of the card package ( front and back ), and my purchase receipt are attached as the supporting information for the complaint. Thank you very much.

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 2021-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has reported late payments that are false On all XXXX reports

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 2021-05-14 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: LA

Complaint narrative:
On XXXX XXXX XXXX 2021 TRANSUNION posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, TRANSUNION has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information TRANSUNION in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave TRANSUNION permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, TRANSUNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2021-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I went to the XXXX  XXXX XXXX  in XXXX, Georgia, onXX/XX/2021, to purchase a XXXX XXXX XXXX. I was informed by the XXXX Finance Manager that my Credit Application was Denied by Wells Fargo Bank in XXXX, Georgia. I told the Finance Manager that was Not Possible, as I have a Joint Bank Account at Wells Fargo! I received the Letter of Denial today Application Number : XXXX. 
This is XXXX Discrimination, Period, Point Blank! 
The " Key Factors '' that Wells Fargo has used to deny me the Loan, are an Outright Pack of ball-faced Lies! 
I actually have an account at XXXX XXXX XXXX with balances that far exceed the amount requested for the Auto Loan, which I could have paid cash for the Truck. 
XXXX The Single Biggest Lie told by Wells Fargo, is the Type of Collateral Provided does not Meet Our Guidelines? I need those Guidelines Spelled Out to me in Writing, as I own My Own Home Outright, and its Valued at {$170000.00}, Yet I do Not have required Collateral required by Wells Fargo? I am also a Totally XXXX US Army Veteran, and Senior Citizen, with Four ( 4 ) different income streams monthly! I will not allow this pack of lies to Stand.

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 2021-05-14 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: TX

Complaint narrative:
On XX/XX/2021 I reached out to Equifax regarding unauthorized inquiries that I do not recognize after I was denied credit that was given to them from Equifax with the unauthorized inquiries. I called Equifax and asked to speak to the Fraud Department or a special handling department because I am a victim of Identity theft with a fraud alert on my report. After being transferred 3 times when I asked to be given to the correct department I was first told the representative that I had to file another police report which I already contacted the police department and the sergeant stated the information I was given was incorrect and they should stop keep sending people back after they have already filed a report. I told the representative the items that needed to be removed or blocked immediately because I am a victim of Identity theft. I was told that it would be removed with 48 hours. I waited and checked my credit report on XXXX XXXX and on the Equifax website on XX/XX/2021 and the items were still on my report. I called again after being transferred again 2 times the representative verified that I have the fraud alert with statement saying I am a victim of identity theft, so this time I was told the system was processing and it should be updated overnight. 

XX/XX/2021 I called Equifax again and got transferred again twice was told to go to police again and contact the FTC which I explained to her that this has already been done and to look at my account and she should see that this was supposed to have been already completed. I told her I would be filling a complaint with CFPB and XXXX  if my account is not reporting the accurate information. XXXX  and XXXX  corrected my with 24 hours. She told me she removed the fraudulent inquiries and I informed her that I would be checking XXXX and the Equifax website and if it is still there I will fill the complain. 

I got off the phone with her and gave it 1 hour and the items are still reporting on both XXXX and Equifax website. 

I even told her that both my son and Fianc just got calls from their Human Resource department letting them know someone filled unemployment in their names. My Fianc is a XXXX  Vet and now XXXX  XXXX  and my son works for one of the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Amerisave Mortgage Loan Processor XXXX XXXX instructed me to write in 2 answers from our Home Owner 's Association President XXXX XXXX on the Condominium Questionnaire that she gave to me over the phone, as she does not own a computer nor smartphone, and does not have an email address. After following XXXX XXXX instructions, and scanning the questionnaire, and email it to XXXX with the 2 omitted answers completed, Amerisave has had their affiliate XXXX contact XXXX XXXX numerous times, for the same information, over a period of days, regardless of how many times she has called back in to explain to them that she did in fact answer those 2 - and all - questions on the questionnaire. Amerisave and XXXX continue to harass her, even as recently as this morning, with 9 new calls on her voicemail from 6 people asking again for the same information. She is practically in tears trying to comply with Amerisave to do a good job for me ( the borrower ). Amerisave loan processing manager XXXX XXXX has ignored my numerous pleas for a brief phone call so I can be reasonably assured someone has a handle on our application, and he has flatly refused to call me to discuss the situation, and instead merely emails me stating he will not have these affiliates contact anyone regarding the condo questionnaire until he determines if it is even required in this case ( as I have been pointing out, this is an 8 % LTV primary refi with no appraisal required ). That was yesterday, today we have the 9 new calls, after at least 6 people have reached out to her prior to yesterday, for this same information. 

This is after we have had to re-sign our P & L 6 times, to accommodate gross incompetence on the part of XXXX XXXX and Amerisave loan processing in general. This level of incompetence combined with the numerous phone calls constitutes harassment. I would like this looked into and pursued by your agency on our behalf, and to let us know the outcome. I am more than happy to provide any and all info that could be helpful in your handling this issue. Thank you in advance for your help. 

People ( that I know of ) who are continuing to pursue XXXX XXXX for the same information after being asked to stop. 

XXXX XXXX XXXX XXXX XXXX XXXX Also, someone named XXXX, and another person named XXXX, have both also been calling but did not email that we are aware of. There may be additional people, this list will hopefully suffice given the nature of the complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my 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 2021-05-14 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:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my 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 2021-05-14 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: CT

Complaint narrative:
The company, Equifax, never responds to calls, has no provision to contest statements such as the following on their website ;. 
Equifax is reporting the following errors ; 1. Serious delinquency - I notified XXXX XXXX regarding covid relief last year with automatic payments during the months XXXX, XXXX, XX/XX/2020 are showing up late ... Equifax is still reporting this which is not valid, listing it as a 'serious delinquency. ' 2. Equifax is reporting I have high loan balances ... not true. Equifax states the remaining balance on my mortgage is 'relatively high ' ... .that is an opinion, not based in fact. I have a balance of XXXX XXXXXXXX on my mortgage paid down from XXXX XXXXXXXX ... XXXX XXXXXXXX in Connecticut for a 4 bedroom colonial home is NOT high. 
3. Equifax is reporting too many accounts with high balances - NOT true. I have two credit cards with a combined credit limit of XXXX XXXXXXXX, and owe {$1500.00} on average ... that is NOT high. I have a student loan for my XXXX, which is XXXX XXXXXXXX and hasn't even started yet ... that's it ... that is not " too many ''! 
4. Equifax reports " High Credit Usage '' - how can that be? my revolving credit is as I stated in 3, XXXX XXXXXXXX with a balance of just {$1500.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
XXXX has reported late payments that are false On all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has reported late payments that are false On all XXXX reports

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 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I started a refinance with Quicken Loans LLC in XXXX of XXXX. Loan # XXXX. I am also the XXXX XXXX on the file. Right away I had problems. First they told me my XXXX number for my company XXXX XXXX XXXX that I've had since XXXX was wrong. I called IRS and they said Quicken was wrong. Quicken then said it was not up to IRS it's up to FHA. I called FHA and a supervisor said Quicken was wrong and sent me a screenshot of my FHA XXXX number. I sent in a complaint to CFPB. Quicken backed down. 
Quicken then spelled my street name wrong. Their escrow and title company had to over rule them and correct it in the computer. They had my dba wrong. They had the funding figures wrong. I had to correct everything. 
Finally I thought we were ready to close. But this is what my complaint is about. They said a mobile notary would come to me. I spoke to the first one and set up a time. I got a call before the appointment and the notary said she'd overscheduled and cancelled. I spoke to a XXXX XXXX who said she was supervisor of closings at Quicken. Her address is XXXX XXXX XXXX XXXX Michigan XXXX. I told her I would prefer to sign at an Escrow or Title office. But they had another notary call and she said she could make it. I told her I'd like a copy of what I sign and if she doesn't have a machine I have my scanner right here. She said no. I could not copy what I sign. She said it was against the law. 
I have always been aware that a person should get a copy of a contract they sign. I've been in the business a long time and have seen every escrow or lender give a copy of signed papers to borrower. XXXX XXXX said this is their practice. 
I volunteered to meet at My bank or any escrow to sign but she said no it has to be their mobile notary. Obviously the notaries are not independent. Because they won't make a copy of my signed contract I'm not confident they are being honest or independent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: OH

Complaint narrative:
The child support account reporting on my consumer report is incorrect and having a negative impact on my equifax credit report.

Company response to consumer: Closed with explanation