vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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

Complaint narrative:
Paypal permanently closed my account for no reason. They put a temporary limit and I complied with everything that they asked. Unfortunately, they still blocked my account permanently. My business has been affected by this issue since I wasnt able to pay my people with the funds I have on my Paypal account. This is not my fault. I have not been able to get effective help from them for weeks but I discovered I could file a report here as I feel they are not doing their job properly. It is affecting me as great deal as I used Paypal quite frequently. My email liked to my Paypal account is XXXX. Hope you can help with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
PlusFour INC.

( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Agent : XXXX XXXX reported : XXXX Amount : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX ( My Health Insurance ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX Agent : XXXX Date Contacted : XXXX Time : XXXX Agent : XXXX XXXX Contacted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX location unknown??? 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX Nevada XXXX XXXX Billing Department XXXX Agent : XXXX Date of contact : XXXX Time of Contact : XXXX noon Date of service : XXXX Amount of Service : {$1500.00} ACCOUNT PAID { NEVADA XXXX } PlusFour INC. is currently false reporting a debt that doesn't belong to me. Nevada XXXX contacted XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both company 's have several complaints from PlusFour INC. and the false debt reporting. 

XXXX XXXX XXXX billing department explained to XXXX that they are currently moving locations including documents and several people have made complaints about false debt reporting in regards to this. XXXX at XXXX XXXX XXXX Billing department stated that she will expedite my complaint to the supervisor department and to give them 24 hours to respond. 

PLEASE HELP 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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
I contacted discover card services to report fraud on account and to request a new card. I was asked if I wanted to update my phone number which I did. After I received my card I went to activate it. It was activated. I went to use it and it was declined. I called again to be told due to inherent risk factors we closed your account. I pay my bill every month no late payments great credit score and employed. I am confused why credit card companies are doing this now other than they are expecting a huge default rate, but that would not make sense from someone who has been a great customer and paid even during a worldwide pandemic. I also lost benefits of rewards earned. This is unfair since if they want to close my account that's fine, but rewards were earned already before payment of rewards so they should not be lost. Not happy with this practice that seems to be rampant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: VA

Complaint narrative:
As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards 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 2021-02-09 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: VA

Complaint narrative:
I find it humorous that Equifax wants to be a XXXX in their reply stating Im asking for multiple things and I dont know what Im talking about when they use a computer that didnt comprehend my request. I requested you verify who you spoke with to verify inaccuracies and violations that you continue to report as accurate. 

I first disputed XXXX XXXX XXXXXXXX XX/XX/XXXX and I am STILL disputing the account for the following reasons ; 1. the credit limit is missing therefore incomplete reporting is in violation of fcra 2. there are 3 different dates last active reporting therefore in accurate reporting and in violation of fcra 3. the date of last payment is different : equifax shows XX/XX/XXXX XXXX shows XX/XX/XXXX. again inaccurate and must be deleted 4 Reporting different payment history you sent me a letter stating your investigation was complete and the information was accurate and all information was verified as accurate. THAT WAS A LIE I disputed XXXX XXXX for reporting different dates last active - equifax reports XX/XX/XXXX XXXX reports XX/XX/XXXX. this is inaccurate and a violation. they are reporting a past due balance -again this is a collection account. THERE SHOULD BE NO PAST DUE ON A COLLECTION ACCOUNT. Again your XX/XX/XXXX investigation said these things were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Home Point Financial Corporation
State: GA

Complaint narrative:
My mortgage lender Homepoint Financial incorrectly reported in XX/XX/2020 a late payment on my credit report. I have put in many dispute request and provided ample evidence to support this inaccurate reporting to the credit bureaus. Each time I put in a dispute, I rarely receive an outcome nor have I been contacted by a representative from Homepoint. I have placed multiple calls to Homepoint over the previous 6 months and each time I am either told I need to provide additional documentation in which has already been provided previously or told I will receive follow up in which never occurs. I have bank letters hand written and signed by my bank manager showing there were funds in my account at the time of the withdrawal in XX/XX/2020. Furthermore I have never had any negative reporting on my credit and always maintained a high credit score over 800. I have never been late paying Homepoint in my years having a mortgage through this company. This has drastically negatively impacted both my husband and I credit report and score. I am exhausted with this process and not sure who else to turn too regarding this matter. Thank you for your time and understanding. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I need access to my money. There is no excuse for these delays unless this is criminal theft. I am starting to get into another bad situation with my bills. This has been held up for over two months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: FL

Complaint narrative:
Disputed information on my credit report through Equifax in XXXX and have yet to hear the results. By law I must be notified in 30 days or disputed information is removed. Disputed information still on my credit report and no notification or response from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have called and spoke with someone about this issue on the phone. I was told that my claim would be looked into and the information is still appearing on my record. This is not my criminal history being reported to companies when I'm trying to get employment. It's defaming my character and it's very embarrassing. I also have proof from XXXX stating the information they were furnished with came from LexisNexis about my criminal background. Furthermore, I wrote to LexisNexis and asked them to remove this error from my report again. I have not heard from LexisNexis as of yet. My letter was sent in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
I asked for forbearance in XXXX? 2018 because my household income was reduced and instead of getting forbearance I came out of this meeting paying double the payment. This caused even more of a problem because I couldn't keep up with my payments. Then Covid-19 pandemic caused my income to be reduced temporally and I again requested forbearance and was told that my mortgage was not covered by Cares act forbearance and that I wouldn't be able to get any assistance. Then I was told about a grant admittance program that habitat offered and that I should apply. I then applied and was told they wouldn't consider my application because I was behind on my payments?? .. Now I am facing a foreclosure on my home of XXXX5yrs. On top of everything the company is a government program that is supposed help people afford a home in low income situations. Habitat for humanity. I don't understand why I'm not covered under the cares act? Why I can't get any assistance to help me thru this.

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 2021-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this 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 2021-02-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received an updated copy of my credit report and I still show listed with in public records a bankruptcy which continues to be listed inaccurate and or not verified. I have since on multiple attempts have forward documents that relate that no such reporting has been given and that alleged third party data furnishers without my consent and or the credit bureaus continue to listed this 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 2021-02-09 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: AZ

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: VA

Complaint narrative:
I fist requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported in violation of the FCRA and FDCPA early in XXXX. I contacted you again XX/XX/XXXX about THE SAME issue. XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. You said these accounts were verified as accurate. Per the FCRA all information reported has to be ACCURATE, COMPLETE AND VERIFIABLE. You verified these INACCURACIES AS ACCURATE!!! HOW?!? This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

I requested XXXX  XXXX XXXX be removed from my credit file because 1. they are reporting 3 different dates last active ; TU XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX. They are reporting different last payment dates Transunion reports XX/XX/XXXX and XXXX  XXXX/XXXX. 3. They are reporting different payment activity history. Furthermore, there should be no payment activity being reported after the account is closed, this alone is in violation of the FDCPA. Why would there be payment activity on a charge off account? Are you deliberately trying to punish my 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 2021-02-09 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: CA

Complaint narrative:
On or about XXXX XXXX, XXXX XXXX XXXX incorrectly reported my credit card account to Experian as being charged-off. This apparently happened to hundreds of thousands of XXXX XXXX customers at the same time. 

XXXX XXXX services claims that this error was corrected a few days later but it has caused lasting damage that can not be cured under their mandatory arbitration clause that requires XXXX  of dollars in filing fees. 

As a result of this incorrect report, hundreds of thousands of their customers had substantial credit line decreases on other bank credit cards held resulting in higher utilization rates on those cards and lower credit scores. 

The damage XXXX XXXX XXXX has done is enormous and a short apology by their representatives is not enough. They need to be held accountable by the CFPB and other agencies the US government including the bank regulators.

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 2021-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX was debited from my account. I contact cash app via their app about the fraudulent transaction. I was told by XXXX they would investigate. It has been over a month and I received an email from an agent XXXX who refuses to start an investigation. Therefore cash app has continuously lied in emailing stating that they were investigating it and no 30 days later they are refusing to do anything about my missing money. I have more documentation that I can provide I just couldnt upload it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
During a fha refinance, the loan officer asked us to remove auto pay and not pay mortgage, due to his certainty that payoff would be in XXXX. XX/XX/XXXX the loan officer said to pay XXXX. Payment was made from alternative checking account XX/XX/XXXX. Money was in savings, though. The payment was returned for non sufficient funds. 
XX/XX/XXXX an email was received from amerihome stating payment received. Later that day an email was received saying payment applied. I understood as cleared. XX/XX/XXXX and XX/XX/XXXX calls were made to amerihome asking why we were on a covid forebearance that we did not ask for. At no time did I receive any info about XXXXunds  from amerihome. XX/XX/XXXX late night, I noticed money was still in acct. I called amerihome XXXX XX/XX/XXXX to ask what was going on, They said I was on a forebearance again. I immediately paid again and followed up later. I said that the covid forebearance they inappropriately put me on has made the process too confusing and that I asked it not be reported as a 30 day late. They refused. I tried again, they refused. XX/XX/XXXX I recieved an email saying again I was in covid forebearance and that payments would be stopped. I called and asked again what was happening. This was a good time to inform me of the XXXX and explain what was happening. Their miscommunication and automatic covid forebearance enrollment when you call them is the cause of the 30day late payment. I believe this was unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I would like to formally request a letter to CCB/XXXX  XXXX stating that the " missed payment '' on my credit report be removed as the account was in dispute at the time due to various factors including the Covid - 19 pandemic. I notified the bank several times that the dental office had taken your money and had not provided me with the services that you were billing me for. At the time, there was not even set a future date to deliver the services, but I was continuously being billed for the unearned revenue. My account has since become current, but my dental work is still not complete, and the aforementioned missed payment is adversely affecting my credit score. I am filling this complaint so that my credit history can be fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.

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 2021-02-09 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: NY

Complaint narrative:
After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.

Company response to consumer: Closed with explanation