vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
We took a personal Loan from Upgrade. The loan was for {$8000.00}. {$2000.00} was sent to one of our Credit cards. {$1300.00} was sent to us. {$4500.00} was to go to a Credit Card, they never received the payment. We have contacted Upgrade weekly for 2 months and are told they can't find the Payment. We took the Loan on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
Kia Motors Finance insisted on receiving the full insurance payoff amount from my insurance company. Kia Motors Finance received payment on XX/XX/XXXX to payoff the loan in full with an excess payment amount of {$5800.00} to be refunded to me. I contacted the company on XX/XX/XXXX and they stated to allow 16 days for the check to be mailed. After allowing more than the 16 days I contacted the company on XX/XX/XXXX. I spoke with one agent that stated to now allow 30 days for the check. I asked to speak with a manager and the manager stated nothing had been processed yet and to now allow for 45 days for a check " to begin to be processed ''.

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: UT

Complaint narrative:
In the XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account.My husband spent two days attempting to contact XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was 9277.82 as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is 6475.91. The company misrepresented the amount owed and the fact that there was a judgment against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Started the refinance process in XX/XX/XXXX and have provided every single document they have asked for along the way. It is now over 8 months later and we are still having difficulty getting the loan done. 
The company even sent us documents and told us the loan would fund on XX/XX/XXXX and advised us not to make the normal payment that month because it was already contemplated within the new loan ... they failed to fund the loan and then charged us a late fee penalty on the original mortgage. We have called 3 times and were told each time it would be reversed ... they have not reversed it yet. The last time we called about it, we specifically asked if there was an agency that we could talk to for help because we believed that what they were doing was unfair and unethical ... they would not give us the name of anyone to help. 
None of this process has been normal and no one should be treated this way. If they didn't want to do the re-fi, they should've said so from the beginning instead of wasting months and costing us more money in late fees that go directly to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CA

Complaint narrative:
I am trying to withdraw funds from my PayPal account and apparently my account is frozen because of some crypto currency transactions that I made. The crazy part is that I have only made 2 crypto currency transactions in my life, both of which were through their website. I bought XXXX dollars worth of the crypto currency back in XXXX and then sold it 2 days later because it had already fallen to a value of {$27.00}. Then I was paying off a purchase that I had made in XXXX of this year and it was their pay in four payments deal that they have. Well on the final payment I decided to pay it a little early to just get it over with and then they went ahead and automatically took my payment out of my personal bank account. I figured it was a mistake so I waited a couple of days and then it popped back up in my PayPal account as a refund. It is only {$83.00} that I am talking about here but it is the principle that they shouldn't be able to just decide to hold people 's money when they feel like it. I went to log on and transfer the money to my main bank account and was informed that my account was frozen because of transactions on my account that are out of normal pattern, and then in another conversation I was told that it is because of the crypto currency transactions that were made 100 % through their site. Please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
I received a Verification of Mortgage today, XX/XX/XXXX which indicates " Number of Times past due -1 '' which is not correct ( See document attached ). 

I was approved for a Forbearance Plan for two months of XXXX and XX/XX/XXXX, and then I was approved for an extension for another one month for XX/XX/XXXX XXXX See document from XX/XX/XXXX, and a letter from XX/XX/XXXX attached ). However, these three months, or 90 days, in the Verification of Mortgage stated as " past due ''. 

Home Point Financial failed to comply with the Forbearance Plan Terms : " As a result of not making any payments on your mortgage during the term of the Forbearance Plan, we will suspend reporting any delinquency ''. 

This is my second complaint to CFPB about Home Point Financial issues. The first complain resulted in the correction of my statements and my outstanding principal balance. In their response to CFPB Case on XX/XX/XXXX Home Point Financial states all the steps of my mortgage history with them, including approval for the Forbearance Plan for two months and an extension for one more month. ( See document attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: OH

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Origen Financial Services LLC
State: CA

Complaint narrative:
applied at XXXX XXXX XXXX XXXX  for residency only with the management company XXXX XXXX XXXX XXXX XXXX XXXX pulled credit on XX/XX/XXXX. we gave her the application on XX/XX/XXXX and she pulled my moms and mine XX/XX/XXXX. she did not tell us we were denied until 22 business days after we applied. XXXX XXXX was extremely unprofessional and delayed the purchase of the mobile home XXXX XXXX XXXX, XXXX XXXX, ca XXXX my mom made 3 times the rent, had excellent credit and have lived in a rv in the park for 1 year. 
we had to fix everthing that was not ours in backgrounds and without our knowledge XXXX XXXX pulled our credit XX/XX/XXXX. she waited 18 business days to let us know we could be residents.

we did not authorize her to pull our credit the 2nd time and she did not even tell us we were having it pulled. 
XX/XX/XXXX i left XXXX XXXX XXXX XXXX  because of substandard unhealthy conditions where my rv was parked at XXXX XXXX. 
my mom and i appled for residency at XXXX XXXX in XXXX where we were accepted then 2 days later denied. my mom spoke with XXXX on the phone and the phone was on 3 way so i witnessed what XXXX said. she said she spoke withy XXXX XXXX of XXXX and she told him i was banned by XXXX XXXX XXXX XXXX 
blacklisting is against the law and XXXX blacklisted my mom and myself. 
i am XXXX XXXX with a XXXX XXXX XXXX injury and my mom has XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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:
Applying for a mortgage loan and XXXX XXXX said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency XXXX, XXXX and Experian and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX and Experian

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 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: InterLinc Mortgage Services, LLC
State: PA

Complaint narrative:
It has been very difficult working with Interlinc Mortgage LLC as a whole. Starting from XX/XX/2020 to date.. Unfortunately, in my case Professionalism was lacking and Communication was not there ; nothing was explained to me during the loan process. I was asked to share personal and proprietary information via text message to the branch manager as well as 2 employees ... Later, I was asked to re-submit the same documents more than 3 times. The branch manager ran my credit scores twice in the same week, and again in less than 30 days. My mortgage rate was locked without informing me. The branch manager constantly talked down to me, and was not helpful at all. He reached out to me and informed me that he would take my file home with him and call me that night. I had to reach back to the branch manager to follow up. Constant promises and no results. I was scheduled to close 3 times and for various reasons that I will call mistakes, my loan has not closed.

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 2021-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
As a consumer ( XXXX XXXX ) and the one with ALL THE POWER, THE REAL REAL POWER, this account on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. Erroneous RESULT OF The XXXX /XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX  XXXX and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). Aslo i request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. Please see attached invoice and issue proper CONSIDERATION for damages I suffrered immediately upon receipt of this letter.

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 2021-05-24 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: MA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: LEXISNEXIS
State: TN

Complaint narrative:
I applied and was denied homeowners insurance because a loss showed up on my report from 2019. The loss was a theft filed on a XXXX policy belonging to XXXX XXXX. It was his homeowners policy for his home on XXXX XXXX. He was temporarily staying with me when he filed his claim. That claim got on my report. Even though my homeowners insurance was XXXX and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
US Bank continues to harass us. Regardless of what they tell the CFPB, they refuse to speak with me about anything. They say they are waiting for court documents and won't speak to anyone other than XXXX XXXX even though they know he is deceased and passed away 2 years ago. This time, the contact is for a completely new issue. US Bank has always paid our homeowners insurance policy. According to our insurance company ( XXXX XXXX XXXX ), US Bank made a payment a few months ago and this payment paid the entire policy until it renews around XX/XX/2021. Absolutely nothing is due until the next period starts in mid XXXX and the Insurance company won't even know the rate until early XXXX. 

In a letter dated XX/XX/2021, US Bank says our homeowners insurance has " expired ''. In this same letter, they stated that they plan to buy insurance for the property and it may be SIGNIFICANTLY MORE EXPENSIVE and may not provide as much coverage as we already have. 

Since they paid the entire premium themselves, they should be able to check their own records and see that the entire amount is paid up for at least 7 weeks. As a mortgage company, someone in their office should be aware that I can not even make a payment towards the next billing cycle until the insurance company sends me a renewal Since they plan on buying insurance for a property that is already covered, they will probably try to pass that premium on to us. We will NOT be responsible for this amount. 

Lastly, they say they will record every call to us but don't want us recording them. Colorado is a single-party consent state when it comes to recording phone calls so I have notified them verbally that I record every single call they make to me. This complaint will serve as a written notice that I will continue to record every call they make to me. 

If the CFPB or FTC would like to listen to some of these calls, please let me know and I will gladly forward the recordings. Please see last response from US Bank to CFPB. They state that they will discuss this with me but they still refuse to speak with me when I call. Also, I tried calling the phone number in the letter they sent but it goes to a 3rd party and this letter was sent by US Bank, and wasn't sent by the people at the phone number i was instructed to call.

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