vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: NV

Complaint narrative:
In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my XXXX  and Equifax and not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Since we began services with PayPal 5 years ago, while trusting this company with my personal and business funds, on XX/XX/2021 PayPal has obstructed our businesses. Prior to this, my businesses were using PayPal with no issues. Come XXXX I tried to transfer funds from my PayPal to my bank account and was unable to. I called PayPal and the customer service agent told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided PayPal all the information requested and waited a few days and received no response. Transactions were still processing into my PayPal account. Days later, I receive a call that completely startled me, I was told that my account has been limited for 180 Days! That all funds in the account were on hold and non transferrable. This was the start of a large downfall for my businesses. As well as much financial troubles for my family and continues to be. We had multiple 5 figures in the account that was needed for cash flow. All orders have been delivered promptly, I provided tracking for all orders. It has been several months now, and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds soon, then not only my business will collapse, but my family will continue to suffer. I have not abused PayPal 's services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response. PayPal closed my account for no clear reason and has left me with no clear way forward. My email linked to my PayPal is XXXX. UPDATE : After waiting a full 180 days PayPal transferred themselves all the funds I have waited months for. However to my last filing they stated they will return all funds after 180 days. PayPal first held my funds and now embezzled them. I want my funds back PayPal. I will be joining a class action law suit against PayPal with XXXX XXXX XXXX. PayPal my family needs my funds returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I was given a house modification, supposedly, but after the processing, the mortgage payment was not abated nor was the interest of the loan of 6.25 % lowered. After the government 's moritorium to help homeowners during the pandemic, the mortgage payment was given to me to be {$1400.00} or so each month. I never missed a payment, even while the company was supposed to help with a modification.. The house payment was not lessened as I thought it would be. Just a few months ago, 2 months, I received notice that the house payment beginning in XX/XX/XXXX, would be increased to almost XXXX per month!!!! This company has not helped me. Further, when I called a representative of the company whose name I wrote down, to keep the present payment as and allow me to pay for taxes myself to keep the payment as it. I asked why the monthly payment was raised, also, and was told that there was an escrow deficient PLUS higher taxes ... .all causing the nearly XXXX monthly house payment to rise from XXXX!!! I had tried to try refinancing JUST BEFORE THE LETTER CAME ABOUT THE INCREASE I XXXX. Strange to me. If I am not correct about the situations about this lender 's actions, I need to see that in writing but.. if I am the victim, here, help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

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 2021-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/2021, I did a credit application on Upgrade, INC 's online website for an {$8000.00} credit extension.

After the final stage of the application, Upgrade, INC stated I was " Not Approved '' subject to credit reporting information and subject to an artificial credit score.

I am the original creditor, I am the consumer, and I am the natural person in fact.

How can Upgrade, INC denied me my own credit? What law says any financial company can deny me my own credit?

By signing the application my signature gave Upgrade, INC credit.

Fact is that Upgrade, INC is doing fraud.

Fact is that Upgrade, INC is terrorizing me.

Fact is that Upgrade, INC gave me no benefits for my credit application, therefore no benefit to a natural person is an Unauthorize use therefore Upgrade, INC is illegally using my personal information to obtain credit on my behalf. That is Identity Theft.

Upgrade, INC is in federal violation Pursuant of 15 USC 1681m, a Denial is only for Insurance and Employment Only.

A copy of the Adverse Action letter is proof that Upgrade, INC robbed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I paid off the total balance on my Bank of America ( BofA ) XXXX XXXX  credit card more than three weeks before the balance due date. There was a XXXX balance on the account, so there should have been no minimum payment due. On XX/XX/2021, BoA transferred {$25.00} dollars from my checking account at another banking institution, even though there was a XXXX balance on my credit card account. The account currently has a - {$25.00} balance. 

I have autopay set up on this account, with the payment set to pay only the minimum payment due amount, and as there was a XXXX balance on the account, so there should have been no minimum payment required. I called BofA customer service to dispute the payment and explained the situation, and was hung up on. The payment was not reversed.

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 monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
XX/XX/2021 went to XXXX to load money on the Amereican Express bluebird prepaid card. It was declined 3 times, Called customer service at Bluebird I needed to verify my address,, My mailing address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX wv. I live in a rural area and we donot recieve mail at our house. all mail and parcels go to the post office, I explaned this three times to customer service, They verified the address. Then said to try and load the card again. 

XX/XX/2021 when into XXXX again to load money on the card and it was again declined. 

called customer service again. The first time I was hung up on by the supervisor after I had explaned the same situtation about living in a rural area with no mail delivery.And every peice mail is delivery to the Post Office.

the second time I called back after being hung up on I requested that my account be closed and my funds be overnighted to me, I was told that it would take up to 10 business days and that USPS would be used to send my check. 

My cards hve been suspened and BlueBird is holding MY money as hostage because I live in a rural area with no mail delivery, I want my accounts closed ( I have two ) and my money overnighted immediately. It is my money and I should not have to wait wait while American Express is making money on holding my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and Experian, XXXX, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
on XX/XX/2021, i sent a letter to NATIONAL CREDIT ADJUSTERS , LLC about a alleged debt of XXXX $ that they are reporting negatively on my credit that i dont owe.i have never done business with them nor do i owe this debt. i sent the letter out usps certified mail on XX/XX/2021 w/tracking # XXXX and they got it on XX/XX/2021 and has not responded to me.please get this inaccurate item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2021 at XXXX ( eastern time ), I received a phone call from XXXX. When I answered, a female stated her name was XXXX and she was looking for my wife XXXX XXXX. I informed XXXX that my wife was asleep. She then stated that there was no message. I then inquired what company she was with and she stated that she was with Portfolio Recovery. I informed XXXX that I did not want the company to call my phone again. She proceeded to tell me that the company did not have a " do not call '' list. I informed her that I do not want that company calling my phone number again and all further calls are to stop. She again stated that the company did not have a do not call list. My wife has repeatedly told the company to stop calling and they refuse to comply with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I can not access my equifax account or reset my password. Every time I call in to reset the password, the identity test fails. I can't get on the line with someone or get information about my account. I can't file a dispute or get access to my credit score either. 

I need help resetting my password and gaining access to my account, since the automated system is unable to confirm my identity ( despite me answering questions correctly )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NC

Complaint narrative:
Strung along for over 2 months in a conventional refinance transaction. Received an approval and 5 estimated closing statements, and provided 68 deliverables only to be told right before closing that we needed 2 years of tax returns even though we were told at the beginning of the transaction that we could proceed as long as an extension was filed. The underwriter was discriminatory in my opinion as there is no valid reason for denial. The ultimate denial reason was around making an estimated tax payment for 2020, which we showed proof of. Then it was decided, after we provided this proof, that an additional deliverable was needed, which we provided, and then it was decided that 2 years of tax returns were required ... contrary to what was originally advised. The broker, XXXX, had different information in their system than Stearns Lending and was complicit in the discrimination and faulty transaction. I jumped through hoops only to be met with a second level underwriter who didn't understand self-employed and asked us for property tax verification to verify we paid our income taxes??? The underwriter also asked me to provide explanation as to why we estimated an estimated tax payment? We provided a letter of explanation and everything else under the sun and are not satisfied with the brokers handling of the transaction, the discriminatory conduct of the underwriter, nor the misinformation contained in the several teaser closing statements. The brokers system also reflected a different term than the lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: LA

Complaint narrative:
On XXXX, I filed a complaint with the CFPB against Experian for failing to provide proof of several alleged hard inquires. In Exhibit B you will find a copy of the CFPB Complaint. 

The hard inquiries listed in Exhibit C are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable inquiries on my credit report. 

I carefully reviewed your response to my CFPB complaint in which you outlined that Section 604 allows credit inquiries for permissible purposes. That fact is not in debate. The issue at hand is that when a consumer disputes information on their credit report, Experian has a duty to verify the information as 100 accurate. The FCRA also states that the consumer can demand that the credit bureau ( Experian ) provide certified proof that the information that they ( Experian ) publish or provide is in fact 100 timely and accurate. 

Your response to my complaint did not contain any confirmation on how you verified the alleged hard inquiries attached in Exhibit C. I specifically asked Experian for certified proof that your office complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

This is a violation of the FCRA. Your failure to do your lawful duty is documented in my CFPB complaint and in your response to my complaint. 

Therefore, I demand that the hard inquiries listed in Exhibit C be DELETED from my credit report immediately. ( Copied From Attached Affidavit ) *******

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 2021-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I purchased a XXXX Model vehicle on XX/XX/XXXX, and after having it for less than 60 days it gave me some problems. After the repair shop accessed the issue it was determined to be engine failure. The cost was XXXX . I contacted my lender Credit Acceptance Corporation and discussed a payment arrangement because I was having to pay for repairs. Half of the money came out my pocket and I financed the other half. My financed payment was costing me XXXX $ /month so credit acceptance offered me a payment of XXXX $ /month for 6 months to help me out on my car note. Well CA never mentioned that this would show up as delinquent payments dropping my credit score over 150 points. I am having a hard time with certain finance companies trying to get a loan for home repairs. Credit acceptance never ever said this would be considered delinquent. I am hoping someone can look into this in hopes of getting my credit score back up.

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 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX Midland Funding has been reporting a debt that is not mine. During this time they contacted me multiple times a day. They threatened me over the phone, posed as lawyers, and told me that they where going to garnish my wages if I did not pay them the debt. During the time of the calls, I repeatly ask midland Funding to stop calling me, and to only contact me by written mail. I never received any letters from midland funding about the supposed debt that they claimed that I owed. In XXXX of XXXX Midland Funding attempted to sue me in small claims court. They never served me any notice, despite having my correct address of the time. They then proceeded to withdraw their claims to the court. The court case was dismissed on XX/XX/XXXX. During this time I was not contacted by midland funding, either through mail or by phone. I have since then been trying to contact Midland Funding. I have contacted them through all of their known address, including the address that was on the court documents. I have never been able to validate this debt, or have had a chance to disputed the debt with them. After years of trying to validate this debt, I disputed the debt with the credit Bureaus. After investigating the matter, both XXXX  and XXXX  determined that there was not enough information to determine the debt belonged to me in XXXX. During this time Midland Funding still never contacted me or sent any letters regarding the information that they have about this supposed debt. I have been attempting to contact midland funding while trying to dispute this debt with XXXX  Credit Bureau. I have never been able to reach midland funding until 2 months ago. Midland funding provided a piece of paper with the name of the original creditor, the original account number, a charge off date, and amount due. I reviewed the information given to me, and I do not recall ever having an account by the information that they sent me. I followed up immediately with a letter asking for more information. I sent the letter out 30 days ago, and have not since heard back from Midland Funding. They have refused to validate this debt in anyway.

Company response to consumer: Closed with explanation