vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: VA

Complaint narrative:
On or about XX/XX/2020 I received a notification, i believed was from PayPal that I was charged for a computer security subscription for {$380.00} that has since been removed from the account. There was a contact number on the charge to call and when I reached a representative named XXXX XXXX who represented himself as the PayPal fraud center he began scamming me to remove the charge. 
He directed me to use a computer sharing application called XXXX XXXX  so he could assist me in resolving the charge. Unfortunately I agreed and the scam began. 
As you can see from the transaction in my PayPal transcript several debits and credits from various individuals were placed in the account and to clear the accounts they need me to provide a payment of {$950.00} to clear the account. I agreed to provide payments though PayPal, However, he said that because there was potential fraud the money had to be sent by other means so Venmo was the vehicle they asked me to use. The process was extremely confusing and believing I was working with PayPal I agreed and sent {$950.00} to XXXX and immediately knew I made a grave mistake. 
I looked at the account XXXX had provided to credits from a XXXX XXXX of {$890.00} and {$390.00} ( the initial charge from the security service ) totaling {$1200.00}. 
I then transferred the {$1200.00} to my bank account to cover my {$950.00} payment to XXXX on Venmo. XXXX said that the transfer was to cover the {$950.00} and to send him the balance to clear the issue. When I finally realized this was a scam I disconnected the engagement and refused any further conversations. When he/they realized that I had the money and was not going to send them any money there we two days frantic emails and texts trying to get me to respond. 
I then received a PayPal notice that there was a negative balance of {$1200.00} that had to be paid back because the XXXX XXXX payments were cancelled. 
I wanted to clear this issue and called the PayPal number on the site and got a rep named XXXX XXXX XXXX and he wanted to again use XXXX XXXX  to get into my computer and look at my account. I asked him why he could not see my account if he was PayPal? He said it was frozen and I needed to show him the charges. 
I told him I would only pay the balance if I could pay directly into my PayPal account but he told me he can not open the account and that I could go get PayPal gift cards and then provide him the card info and pay it that way!!! 
Alarms immediately went off and I stopped all communications again. 
I have been scammed and feel very embarrassed that I allowed myself to be scammed. I hope you can help me with this issue and also stop them from doing this to someone else. 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX  XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.

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 2020-02-18 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: FL

Complaint narrative:
I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

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 2020-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, Capital One closed my account because of a " processing error '' from their end. I had to update my income and did so but I assume my income did not meet certain requirements. As a result, my credit score was decreased. I want to emphasize, I was sent a pre-approved application with a 0 % interest balance transfer and accepted it. I had enough money to pay my CC but I wanted to save it in case of emergencies. No one on in the CS department could tell me anything and was told I needed to wait " weeks '' for a letter explaining everything. 

Moreover, my cash reward balance is now {$1.00}, when it was around {$210.00} beforehand. Capital One has literally stolen my reward balance that I worked to achieve by making purchases and paying them back in a timely manner ( never late ). I have never been late on a payment and have actually spread out the payments so the balance is {$0.00} at the end of the 0 % interest. 

To make matters a little more frustrating, Capital One just approved a refinance of my car loan at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
In the Spring of 2018 I got a mortgage from Guaranteed Rate. I used a preapproval from XXXX. Guaranteed Rate performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and Guaranteed Rate led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/19 I went into my online banking system to pay my Barclay 's credit card bill. My card ends in XXXX. I inadvertently picked my husband 's credit card number in the bill pay system. He also had a Barclay 's credit card ending in XXXX, but defaulted on it and the debt was sold to another company. When I realized in XXXX what had happened, I called Barclay 's customer service number. They told me that they did not receive the payment and that I would have to talk to the new company that took my husband 's credit card debt, but that the payment must have been made to them. I have called the new company, XXXX XXXX, and they have no payments to his account. I have called XXXX XXXX multiple times and while they will not provide me with the information, they have told me that the payment was cashed by Barclay 's and not anyone else. They have told me that they can fax the proof of payment to Barclays. However, every time I call the customer service line, they insist they have no payment from me. If I ask for a supervisor, they transfer me to XXXX XXXX. At one point I had a representative who opened a case for me - XXXX - but then I got a letter saying they could not complete my request. I have called multiple times to try to get this resolved, but no one will help me. They just deny they received the payment, however a payment for the amount of {$XXXX} was sent from my XXXX XXXX  on-line pay system to Barclay 's on XX/XX/19 and it was cashed by Barclay 's. That is a lot of money for me to just be out. I understand that I made a mistake and picked the wrong account number, but the Barclay 's has the money in their possession and is should be credited to 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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX  XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$49.00} XXXX  XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$790.00}

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 2020-02-18 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX SELF-REPORTED XXXX XXXX {$690.00} XXXX  XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX   XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$790.00}

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 2020-02-18 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: IL

Complaint narrative:
In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the XX/XX/2018 I got a mortgage from XXXX XXXX. I used a preapproval from XXXX. XXXX   XXXX performed another preapproval, and then another inquiry in order to process the loan. My conversations with XXXX and XXXX XXXX led me to believe that all of this activity would only count on my credit report as 1 inquiry if they all happened within 45 days of each other. On my credit report, I have 3 hard inquiries from these approvals and they all occurred within 26 days of each other.

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 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Collection agency is trying to collect on debt for an online school which I canceled in a timely manner started 1 course and canceled properly have had no transaction with collection company and they are not representing the original creditor they have reported to credit reporting agencies negative remarks an an negative account have not agreed with any they are trying to ruin my credit rating also harassing phone calls on a not call listed phone number which i have not given permission to call or signed anything with them

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is reporting incorrect information on my personal credit report despite 2 previous attempts to correct. The two previous investigations have been poor, lazy and misguided. Capital One is more interested in CLOSING disputes within 30 days then correct the issue for the customer. 

Now for the THIRD time, a 30 day delinquency is being reported on my Closed Capital One account for XX/XX/2019. This delinquency is showing due to being an identity theft victim. Capital One is the ONLY company to date, that has handled this case so poorly and not corrected the issue. 

The only way it can be resolved is via a conversation with the writer of this report. Not a cookie cutter response to close the complaint within 30 days. And if the Capital One Reps needs to leave a message, please be courteous and answer the call back and or return the call without closing the complaint before speaking with the customer ( being me ). A crime was committed and Capital One is treating the matter as if they could care less. 

Contact Info : XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: CA

Complaint narrative:
Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. I am a victim of identity theft and I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Dept of Edu/ XXXX  : 20 various accounts US Dept of Education- XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX  : XXXX  # # # # # # XXXX Hard Inquiries XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Finance Companies XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Following Inaccurate Addresses XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX XXXX , CA, XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX XXXX , PA, XXXX XXXX XXXX XXXX , NJ, XXXX XXXX XXXX XXXX   XXXX, WA, 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 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
1 ) The mortgage servicer Carrington Mortgage Services , LLC has denied the review of Mortgage Assistance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2 ) Carrington Mortgage Services , LLC states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Carrington Mortgage Services , LLC has not provided any evidence of this, other than verbal communication. 

3 ) Carrington Mortgage Services , LLC then stated that they would assistance and review any Loss Mitigation Assistance options.

4 ) Carrington Mortgage Services , LLC has instead set a sale date of XX/XX/XXXX Carrington Mortgage Services , LLC plans on proceeding with the foreclosure sale, rather than review our RMA application. 

5 ) The actions of Carrington Mortgage Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Carrington Mortgage Services , LLC violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX XXXX XXXX XXXX XXXX by not accepting said RMA application. 

6 ) This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My wife and I applied to refinance our home in early XXXX. Given our payment record, strong credit and recent closed purchases of homes in our neighborhood, we assumed our application would proceed with little fanfare. 

Then we received our appraisal report, which miraculously assigned the exact same value to our home as was determined when we closed on our current mortgage in 2015. This, despite material improvements that have been made to our property, as well as ~15-20 % appreciation in our area since our purchase.

The responses provided by the Valuation Resolution team at Wells Fargo presents evidence that the appraiser & management company are incapable of objective analysis, and likely incentivized to not admit mistakes and errors. 

I believe the appraisal/management review have been done with the intent to cause disparate impact to my valuation and ability to close. 

I have exhausted the appeals process with the bank, and am turning to the CFPB as a last resort. I also plan to complete a complaint with the Uniform Standards of Professional Appraisal Practice ( USPAP )  regarding this issue. 

Thank you for your assistance and appreciate your time in consideration of this compliant.

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