vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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:
I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: WA

Complaint narrative:
Paypal has single-handedly transferred from my personal wallet, unauthorized, and no advance notice for the business income I perceived. I have provided receipts of delivery and refunds for customers who did not receive their products due to delay during the earlier congested logistic delay due to Covid. Paypal reasons are always that they can't provide more information other than the fact that they think I have violated their " Acceptable Use Policy '', and that they can fine me for that and it is final, non-disputable. I couldn't even know which policy was violated as I have been diligently following their terms and giving my best for my customers. Below is the effort that I have tried to negotiate with PayPal. 1. Due to the Early covid response, USPS, our logistic provider was closed down for a few weeks, causing the backlog in delivery. 2. We have provided refunds for both customers who did not receive the item ( and open a dispute ) and those who were late receiving the items. 3. We have evidenced and USPS tracking number that our items delivered to the customers. 4. Paypal took control of my account and transfer all the money I have I have in my virtual wallet, which amounted to {$10000.00}. I believe this is illegal and a breach of Privacy since they access my personal account and control it according to their whims. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I was a victim of identity theft last XX/XX/2019. Since then someone used my info on my computer to acquire a loan on my vehicle that i purchased several years ago via cash. i still have the title. XX/XX/XXXX is not recognizing the it and is going to sell my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have never experienced in my life as impossible an agency to work with as Comenity. My autopay billing never worked, I was taken off electric contact without consent, which resulted in my account reported 120 days late. I found out when refinancing for my home and this was never reported late by Comenity in form of an email, phone call, etc. I finally got a hold of a human being by the name of " Ms XXXX '' who worked a payment arrangement so that balance could be paid in full, account would be closed and no fitber charges or fees would be added. In the amount of XXXX, I made 3 payments and paid off the account, which was also closed. There has not only been no update from this individual after trying to contact her at every avail, but I somehow have a balance of {$45.00} which includes a late payment? From a closed account??? Speaking to an actual human being seems impossible, or at least one that can offer technical support. They make no offer to help but are happy to collect any bill due. They hang up on you if you ask to speak to anyone else to find out more info. I made a complaint to the XX/XX/XXXX, which closed the complaint after Comenity would each out within 30 days. They have not. They happily flagged me for being 30 days late though. I am at the end of my rope. Because it is impossible to confirm what is going on behind the scenes, I am left no choice but to raise issue with every 3rd party aganecy in hopes to make contact and repair the damage done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XX/XX/XXXX report due to not having sufficient verification of debt. I disputed the debt with XXXX and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps/mpp/cashback-25sh on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after XXXX purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
I put an alert on XX/XX/ due to because of errors from creditors who are not unable to send me anything and the bureau still has nothing to verify but just giving a run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2018 Bank of America closed my account due to a 3rd party check I deposited. The person who check it was has sued their job and won, got their money and going on with their life. But for some reason Bank of America reported to XXXX  XXXX  that I committed fraud and had an outstanding balance, then said it was a XXXX balance and now its saying paid in full. When they closed my account they had to give me almost {$400.00} my balance, yet they reporting I paid them, when I didn't owe them anything. They are also reporting an address I never had on file but for some reason they won't remove 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 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I left a business in XXXX of XXXX. There was a credit card account I had personally guaranteed. The business didn't pay it and Bank of America notified me. I paid it off completely on XX/XX/XXXX ( {$3900.00} ). I was then sent a statement of account with a negative balance of - {$2.00}. I phoned in and was told I was overcharged and would receive a refund check. After several failed attempts I finally got the refund check and deposited it. Then I received a statement with a positive balance of {$2.00}. I called in and was told it was an error and they would XX/XX/XXXX it out for me. They didn't. This happened again and again over several statements. I even got an apology letter dated XX/XX/XXXX saying their records show the deposit of the refund check. Then I got another statement today with a positive balance of {$4.00}. I need help to close this account since Bank of America can't fix this simple problem closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERIS BANCORP
State: GA

Complaint narrative:
My auto loan originated with XXXX XXXX, Ameris Bank took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when Ameris took over XXXX XXXX, when I called Ameris Bank about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called Ameris Bank customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with XXXX  and XXXX, but that has not happen. I would like for my active auto loan with Ameris Bank to be reported as current along with my payment history to all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: NC

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states 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 litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was given the option to put my loan in forbearance by Carrington Mortgage for the months of XXXX and XXXX. I took this option based upon added expenses. I was not asked to provide any paperwork to be eligible. 
when the forbearance plan ended I began to make my regular payments ( still making those payments ) despite the covid related expenses being present. 
I requested that the two months of payments be added to the end of loan. I was told that I only qualified for a repayment plan ( almost double my current plan ) based upon my income. I was told that I would be considered for the HAMP streamline refinance so that my payments could be placed at the end of the loan. Even though I have submitted the RMA paperwork twice, they are only considering me for a repayment plan ( twice ) despite me letting them know that I can not afford the offered month repayments. They now hang up on me, or are not being helpful at all during this process. They are trying to me me start the process over again. I admit that I might not have captured all of my " expenses '' on the RMA, but I can not afford the 4 month repayment because of my added expenses. Instead of them working with me to resave this, they continue to tell me to resubmit XXXX a 3rd ) RMA for consideration. 
This is very frustrating, and it seems as if they are not trying to assist me as a first time homeowner and borrower. please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, 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 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, 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 2020-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Purchased home XX/XX/2020 mortgage through XXXX home loans. First payment XX/XX/2020 XXXX made online to XXXX on XX/XX/2020. Second payment due XX/XX/2020 XXXX made again online to XXXX on XX/XX/2020. Received a letter on XX/XX/2020 from Loan Care  stating my loan had been transferred from XXXX to Loan care as of XX/XX/2020. Any payments prior to XX/XX/2020 could still be made to XXXX loans. I made my payment correctly to the letter received attachment included. XX/XX/2020 received a letter from loan care stating i am deliquent on my XXXX payment. Called loan care customer service 7 times in XXXX stating i have proof XXXX bank statements XXXX showing XXXX to XXXX  sent to loancare on XX/XX/2020 XXXX call to XXXX. loan care rep stated would escalate this again to a supervisor to allow 7 days. Called XXXX  loans and was sent payment history showing payment made for XXXX. XX/XX/2020 seen no change on loancare.com for payment being behind. Called loancare customer service was told by rep payment received XX/XX/2020 was applied to XXXX and was behind. Stated once again invalid sent in bank statement showing payment taken XX/XX/2020 to XXXX home loans hard posted XX/XX/2020. Loan care rep stated nothing can be done with my principal payment XXXX in unapplied payment because did.not know.where it needed to go. I set up a 3 way call with XXXX  loans and loancare on XX/XX/2020 XXXX  XXXX  rep stated to loan care rep XXXX payment was applied on XX/XX/2020 and was included in the payoff transfer amount given to loan care in amount.of XXXX. XXXX stated would XXXX follow up with supervisor allow 7 days. Today XX/XX/2020 received email from XXXX stating my bank statement for XX/XX/2020 payment of XXXX to XXXX  loans hard posted XX/XX/2020 was not sufficient proof of payment. Submitted today XX/XX/2020 XXXX XXXX  payment history to payment XXXX called loancare again asking for follow up. Rep stated again no reflection of payment showing and still behind. I asked to spean to the supervisor. Was told supervisor would give me a follow up call after XXXX XXXX-XXXX  because of my work schedule. No call received. Loan care rep just states i have respa protection for this. It has been 30days and no resolution. I have once again reached out to XXXX XXXX  spoke with the orginal mortgage lender for my loan and was told this would be taken care of. I am frustrated and stressed out and do not want this to reflect on my credit score. I made my payments have proof and want loancare to be investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type .On XX/XX/2020 this debt was removed from my XXXX  report due to not having sufficient verification of debt. I disputed the debt with Experian and XXXX  in XX/XX/2020 and asked for verification and validation of debt. I havent received anything from the credit bureau or creditor. On XX/XX/XXXX I wrote the creditor and credit bureau requesting proof be sent to me validation and verification nothing was received but the creditor and credit bureau updated this debt on my report with no proof. The date the dispute was submitted was XX/XX/XXXX, dispute updated XX/XX/XXXX and disputed results ready XX/XX/XXXX. It was not processed correctly and they did not require any proof be submitted only went on the creditor words. According to the FCRA that is illegal. Im asking this to be removed from all accounts immediately.

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