vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-17 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold an item through XXXX XXXX global shipping program. Shortly after it was shipped and tracking was provided - the buyer opened a paypal dispute because she changed her mind. The disputed stated item was not received. This dispute was a violation of ebay policy as well as abuse of the paypal dispute process. The item was delivered and XXXX  is still holding funds because a dispute is open. The buyer is the only person with the power to move forward and is refusing all routes that would effectively close this and release funds. I've contacted the XXXX XXXX police department and advised this is either fraud or XXXX XXXX. XXXX is unable to act due to a dispute and the transaction has been linked back to XXXX XXXX - through a Paypal Mastercard. I've advised the bank on XXXX yet they are unwilling to provide any information or acknowledge possible abuse of their credit tool. Please step in and regulate the bank accordingly as there is evidence of ill behavior related to an international transaction that traces back to this bank. I've read this complaint on a recorded line to XXXX on XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Customer Service Senior Manager ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to ignore 7 request to remove XXXX from my credit report. See attached document below of certified receipts with names and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Due to the COVID 19 pandemic my husband and I were given mortgage assistance via the Pandemic Mortgage Assistance Program through PA Housing Finance Agency from the Federal Cares Act. Shellpoint Mortgage was sent {$6000.00} to cover our entire mortgage payments from XXXX through XXXX. We signed an acknowledgement form that this money would remove any additional costs and were not to send any further money to Shellpoint during this time, nor could we put ourselves in forbearance. An acknowledgement form was also sent to Shellpoint saying the same and that the {$6000.00} was to be used for {$1000.00} full payment each month with no additional cost or fees for us. An itemization of how funds could be used was also sent to Shellpoint. This form was signed on their behalf as well with a witness. 
Shell point did not use the funds as agreed to. One full mortgage payment was made at almost {$1900.00} not the {$1000.00} agreed to, the remainder of the funds were used for escrow and fees according to multiple representatives spoken to over the past six weeks in trying to rectify this. The remaining balance has still not been erased or rectified even after elevating it to a supervisor and calling the representative who signed the contract itself. Our balance is currently for almost {$8000.00} although we should have a balance of XXXX We have not paid our XXXX mortgage yet as we can not get Shellpoint to acknowledge this error and correct. Late fees are now accruing, but we can not ensure Shellpoint will use our full XXXX payment for XXXX and not move around the funds as they did with the payments made by PMAP/PHFA and the state/federal government. We would like Shellpoint to honor the contract they signed when they accepted this {$6000.00} from the CARES act and the state government to erase any additional debt on our part as well as late fees we are not responsible for so that we can continue paying our mortgage from where we are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: TX

Complaint narrative:
I HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT EQUIFAX BURUEAU TO DELETE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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 HAVE PUT IN DISPUTES WITH COMPANY AND VERBAL AND BY FAX AND THE DEBT NEED TO BE REMOVED FROM CREDIT REPORT AS COLLECTION IS A CLASSIFIED AS FRAUDLENTLY DOESN'T BELONG TO ME. 

XXXX  XXXX XXXX XXXX-THE COLLECTION COMAPNY ORIGINAL CREDITOR-XXXX XXXX XXXX {$2500.00} REPORTED ON XXXX XXXX SUPPORTING DOCUMENTS WERE SENT FROM ORIGINAL CREDITOR ON XX/XX/20 THAT THE DEBT WAS NOT MINES AND I WANT XXXX  BURUEAU TO DELETE ASAP.

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 2020-12-17 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: OK

Complaint narrative:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

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 2020-12-17 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: OK

Complaint narrative:
Sent letters asking to validate and remove false, non metro 2 compliant, misleading, also false information from account and it was never responded to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police report.

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 2020-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/2020 at XXXX XXXX  California Check Cashing Stores left a message on our voicemail regarding a payroll issue with a check under the name of XXXX XXXX in the amount of {$1000.00}. I called them back the same day and explained our company checkbook had been stolen from a work truck and those checks were cancelled with the bank right after they were stolen ( months before ). An employee told me that someone from our company verified the check ; there are only two people in the company - my wife and I. Neither us verified anything as we have gotten calls from this same check cashing place three times over fraudulent checks - each time we verified the checks were cancelled with our bank and should not be cashed. The employee apparently cashed the check. 

On XXXX/XXXX/2020 we received a letter from California Check Cashing Stores stating they cashed a check for {$1000.00} to a XXXX XXXX and that we now had to pay them the money. They stated that if we don't pay in ten days they are pursuing all remedies for payment allowed by the law. 

On XXXX/XXXX/2020, I received a call from California Check Cashing Stores and when I explained that we were not liable, after speaking with our bank and a regulator in consumer protection, the employee on the phone started yelling at me when I explained we were not liable. They threatened legal action and hung up on me ; I tried to call back several times and have been hung up on before I can speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NH

Complaint narrative:
I started working with Amerisave in XXXX, 2020 to refinance my current mortgage. I was quoted current rates and told the process should take approximately 2 months. the application fee was {$500.00}. We decided to move forward and the process was very disjointed and cumbersome. I received 3 or 4 disclosures and probably got 20 separate requests for information by text and email, all of which were answered within 48 hours. Each time, the points increased. It felt like a bait and switch. I was told on numerous occasions that we were about close. I had heard this so many times I decided to withdraw my application and start again with different lender. Based on their failure to close on a timely basis, poor process and lack of candor, I feel am owed a refund. The loan originator was XXXX XXXX. 

The information requests came by text, email, phone call, and their website. I would think Amerisave could provide a copy of all correspondence and recorded calls, if necessary.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17 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: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: HW Holding, Inc
State: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NC

Complaint narrative:
We are a veteran family trying to purchase our 2nd home. Weve been working with a mortgage officer named XXXX XXXX at American security mortgage in XXXX NC. He pre approved us back in XX/XX/2020. We went under contract on a home that was contingent upon the sell of our first home. We listed and sold our house. The purchase of the 2nd home fell through due to the sellers. We found a 2nd home, put in an offer and XXXX came back and stated due to covid he couldnt get us financed on that home. This had nothing to do with anything other than the type of home and covid according to our realtor and the lender. So we started looking again. We went under contract again in XX/XX/2020 with a set closing date of XX/XX/2020. On XX/XX/XXXX we were informed only because I asked what time our closing would be that we in fact would not be closing on time. We have been told a different story as to why we couldnt close every single day since the XXXX. I have contacted our mortgage officer daily since the XXXX of XXXX a minimum of 5 times a day, left messages and sent text. My husband has also asked him to please call me, where he replies I will, give me just a few. Every time he physically speaks with my husband and is asked to give me a call back he states he will. Until today, today he informs my husband that he can not legally talk to me. We are a married couple buying a house together where I am on all the paper work and have a power of attorney. I have differing questions from my husband and would like answers. XXXX XXXX is very unprofessional, not respectful of others times and disrespectful. We have been treated very poorly, had terrible communication, lack of empathy, and all around a horrible experience. I wouldnt wish this experience on anyone. At this point we are over a week late on closing and there isnt a solid reason as to why. Every day we are told something different with nothing to back it up. I have reached out to higher management in this company with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q. data international had false info put on my credit report, failed to validate the dang and repeated harassing phone calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17 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: NJ

Complaint narrative:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-17 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: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2020-12-17 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: NY

Complaint narrative:
Dear CFPB, I desperately need your help. I'm being neglected by Experian, XXXX, and XXXX. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted 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 2020-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously had 2 different mortgages on two residential properties ( in 2 different CA counties, XXXX County & XXXX County ) serviced by Bank of America. Both loans were over 7 years old as of XXXX. Neither loan had impounds /escrow accounts as I paid my own taxes and insurance on both. Neither account has ever been late or delinquent. I sold one property in XXXX County in mid XXXX and the BofA loan was paid off and closed. BofA has now started adding a past due amount into an escrow account for my existing loan and property in XXXX County without explanations, letters, claims etc. I called in XXXX of XXXX and the CS representative agreed and requested internally for it to be corrected. I asked that a letter of explanation be sent and they agreed. No letter was ever sent or received and this was confirmed by BofA now in XXXX. The thousands of dollars they claim I owe ( {$2400.00} ) them has not been corrected. I called again XXXX and was told that my request from XXXX was rejected. No letter was ever sent per BofA CS rep. I was also told that there was now ANOTHER charge of {$6600.00} placed onto my escrow account for property taxes paid to XXXX County on XXXX. Again, I sold the XXXX County property, without any delinquent or past due amounts or judgements, around XX/XX/XXXX. I am very concerned that BofA now claims I owe them over {$9000.00} and they refuse to provide any documentation, send letters of explanations, or correct the problem.

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 2020-12-17 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: HW Holding, Inc
State: NJ

Complaint narrative:
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc.
State: CA

Complaint narrative:
USCB America is attempting to collect a debt owed to XXXX XXXX. 

I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. 

They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. 

Please see attached XXXX XXXX receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17 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: GA

Complaint narrative:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I had an account with XXXX XXXX, i paid for their debt protection plan on the account. I lost my job in early 2019, used the debt protection and the account was paid in full and closed. I recently got a summons that XXXX XXXX is now attempting to sue me for the same debt that has already been paid off! None of my other XXXX accounts have ever been late/in collections.

Company response to consumer: Closed with explanation