vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent has been attempting to collect {$850.00} since XXXX. They re-aged this debt in XXXX, making it look newer and having a significant impact on my credit. The correct amount for this debt is {$450.00}. Convergent has been reporting the wrong date AND amount. This has caused huge financial strain and loan denials.

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 2019-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, a XXXX line of credit was obtained from Suntrust with my commercial building used as collateral. A deed of trust was filed against the property in the amount of XXXX On XX/XX/XXXX, the line of credit was increased to XXXX. The same property was again used as collateral. A new XXXX deed of trust was recorded on the property. 

The original XXXX deed of trust was never canceled as it was suppose to have been when the second deed of trust was recorded ; leaving two outstanding deeds of trust on the property- a first and second lien. 

On XX/XX/XXXX, I received approval to refinance the existing XXXX loan with another bank. When a title search was performed by the closing attorney, it was recognized that there were two deeds and two liens filled by Suntrust- but only one existing mortgage. 

The closing attorney and related title insurance company has stated multiple times that the loan can not close until the first lien is canceled ; as the title company needs to be assured the new bank will be in first position. Paying off the second lien, with the first Suntrust lien remaining would mean the new bank would be in second position behind Suntrust first lien which should not be there in the first place as there is no related loan tied to the lien. 

Numerous calls and in person visits have been made to Suntrust requesting the bank to fix their error and release the first lien, which should have been released at the time the new second deed was recorded. 

Each request, I was told we will Look into it and get back with you. This has been going on for over a month. I have had to delay closing on my new mortgage multiple times due to Suntrust not releasing the lien. 

Suntrust will not release the lien, or provide a payoff. Conversely, they are maintaining a lien on the property without justification. 

This has cost me in higher interest costs and hours of my time.

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 2019-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed accounts with Transunion and sent them a letter by certified mail on XX/XX/2019. The accounts in question were by XXXX and Transunion received the letter on XX/XX/2019. I received a response from Transunion dated XX/XX/2019, but the results did not include the XXXX account. It is now XX/XX/2019 and been over 2 and a half months without a response regarding the 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 2019-09-30 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-30 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-09-30 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company, Medical Revenue Service, Medical Data Systems,  sent me a letter saying that they were no longer servicing / collecting on this debt. 

However, this letter that was sent on XX/XX/2019. 

They are still reporting on all three credit bureaus, and causing negative damage to my credit score. And it is severely affecting my credit worthiness. 

( Letter is attached ) I have sent them a letter requesting for this to be removed from my credit report, but it still remains almost 45 days later. 

Please remove from credit 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 2019-09-30 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: NY

Complaint narrative:
Experian Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. Experian has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive.

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 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: MD

Complaint narrative:
On or about XX/XX/2016, I received notification on my credit report through XXXX  XXXX  that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. 

Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '' of accou8nt, and I've repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. 

So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? 

Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts.

XXXX   has had this dispute open for SEVERAL MONTHS without resolve. 

Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies?

And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '' -- and it's a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I've continuously disputed it -- and it has NEVER REPORTED an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
This complaint is about PayPal 's ( Headquarters : XXXX XXXX, CA ) unfairly taking side in an online sale dispute case. 

This PayPal case ( CaseID : XXXX ) is about a transaction of one brand-new set cookware priced at {$240.00} on XXXX, we are the seller. The buyer filed a PayPal case of " Item not received '' initially and a second case of " Item not as described '' subsequently. 

We received PayPal 's notices about the cases and forced us to provide information, and we did. We have contacted PayPal several times from XXXX to XX/XX/2019 and asked PayPal to ask the Buyer to provide a little more information on ( 1 ) when did buyer received the item, ( 2 ) who delivered to him and ( 3 ) what's wrong with item. Although some of the PayPal representatives said they would ask the buyer the questions, but we have not received a single answer from PayPal. 

PayPal ruled on the case XX/XX/2019 and decides to refund the buyer based on the argument that the decision was made by the buyer 's financial institute. PayPal refuses to ask the buyer to return the item to us and refuses to provide the contact information of the buyer 's financial institute, so we can contact for the item being returned to us. 

This is a sale transaction on XXXX and financially through PayPal. We have no problem with any buyer 's refund request, but the buyer should return the item for refund, can't have both of the merchandise and the refund. We don't know why PayPal wants to take side in this case, feel unfairly treated by PayPla with all the excuses, left with loss of the item and the transaction fund. 

Thank you for reviewing the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAB Receivables, Inc.
State: VA

Complaint narrative:
I went to XXXX XXXX XXXX on a few occasions. For some reason they always appear to bill an old insurance company and not the one I provide them at check-in. 

Long story short my insurance company paid their bill in full. None the less I have continued to be called and harassed by other companies seeking payment for XXXX XXXX XXXX. Each time I provide proof of payment but they continue to call or send me letters. 
Credit Adjustment Bureau and XXXX XXXX. 

XXXX  my insurance company paid the bill and provided proof. 

This company has proof that I paid but for some reason they have not communicated well to their collection arms. Their practices need to be reviewed.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
AD ASTRA RECOVERY SERVICES {$780.00} XX/XX/XXXX Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this three account that I am not aware of, I tried to dispute it, and request for debt validation to proof that the accounts really belongs to me. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. 
Thank you. 
XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 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: NY

Complaint narrative:
I disputed 4 accounts with Experian and sent them letter by certified mail on XX/XX/2019. The accounts in question were from XXXX and Experian received the letter on XX/XX/2019. I received a response from Experian dated XX/XX/2019. I only received investigation results from 1 account with XXXX in which they reported was deleted from my credit report. I did not receive any results for the 3 other XXXX accounts that were disputed. Today is XX/XX/2019 and it has been over 2 months without a response regarding the disputed accounts.

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 2019-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I PURCHASED MY VEHICLE XX/XX/2019, I WENT THROUGH XXXX AND HOT WATER TRYING TO GET MY CAR. THE FINANCE MANAGER SOLD ME A 5 YEAR EXTENDED WARRANTY FOR MY CAR. XX/XX/XXXX I STARTED HAVING ISSUES WITH MY CAR AND I CONTACTED THE WARRANTY COMPANY AND I WAS TOLD THAT I ONLY HAVE A 2 YEAR WARRANTY. I PULLED OUT MY PAPERWORK TO REVIEW ALL OF MY DOCUMENTS AND I NOTICED THAT NEITHER WERE THE ORIGINAL PAPERS AND THEY ONLY GAVE ME COPIES UPON THE DELIVERY OF THE VEHICLE. I HAVE CONTACT XXXX XXXX XXXX XXXX XXXX IN REFERENCE OF THIS MATTER AND NO ONE HAS CONTACT ME BACK AS OF XX/XX/2019. I TALKED TO MRS.XXXX MY CAR SALES PERSON AND SHE SPOKE TO XXXX THE OTHER FINANCE MANAGER BECAUSE XXXX WAS OUT SICK AND THE FIRST THING THAT HE STATED OUT OF HIS MOUTH IS THAT THEY DO NOT COVER ELECTRICAL ISSUES AND NOT ONE TIME I SAID ANYTHING ABOUT AN ELECTRICAL ISSUE, AFTER THAT I HAVE BEEN AFRAID TO PARK MY CAR IN THE GARAGE BECAUSE AFTER DRIVING MY CAR THE ALARM WILL SOUND OF AND REPEAT EVERY OTHER HOUR. MY NEIGHBORS HAS FILED A COMPLAINT WITH THE HOMEOWNERS ASSOCIATION AND IT IS  EMBARRASSING. I PAID XXXX FOR THE WARRANTY AND THE PAPERWORK THAT HAS MY SIGNATURE STATES EVERYTHING AND THE PAPERS THAT WAS DELIVERED TO ME DO NOT HAVE MY SIGNATURE. I HAVE ALL OF MY CONVERSATIONS RECORDED TO BACK UP EVERYTHING THAT I AM STATING AND I JUST WANT TO GET THE MATTER RESOLVED ASAP.. 

XXXX XXXX XXXX XXXX XXXX XXXX reviews XXXX dealer in the XXXX XXXX, Georgia Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX You visited in XX/XX/XXXXHours : Open Closes XXXX Phone : ( XXXX ) XXXX PLEASE HELP ME WITH THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XX/XX/19 AS OF TODAY ITS BEEN TWO WEEKS SINCE WE HEARD BACK FROM ARE POINT OF CONTACT XXXX! WE WERE TOLD BY A SUPERVISOR TO RE-DO A RMA! WHY SHOULD MY HUSBAND HAVE TO REAPPLY FOR A MODIFICATION WHEN WE WERE LIED TO AND SLS COMMITTED FRAUD! THEY HAVE BEEN NICE TO US IN THE  PAST SINCE WE WERE SOLD TO THEM YEARS AGO BUT ENOUGH IS ENOUGH WE WILL DO ANOTHER RMA FOR A MODIFICATION WE WILL NOT LOOSE OUR HOME WE HAVE BEEN HERE FOR OVER 26 YEARS! AND I WOULD LIKE TO KNOW WHAT HAPPENED TO THE XXXX I DONT KNOW THE EXACT AMOUNT * IT WAS WHEN XXXX WAS PRESIDENT HE HAD THIS HAMP THING FOR PEOPLE WHO NEEDED HELP WITH THERE MORTGAGE AND A % WAS TAKEN OFF OUR MORTGAGE I WOULD LIKE OUR LOAN TO BE LOOKED OVER BECAUSE SLS PUT THE XXXX ( AGAIN I DONT KNOW THE EXACT AMOUNT IM LOOKING FOR THE XXXX ) BACK INTO OUR BALANCE WHICH IS FRAUD! THAT MONEY SHOULD BE PUT BACK INTO OUR MORTGAGE BECAUSE WE DONT OWE WHAT THEY ARE SAYING ITS MUCH HIGHER NOW BECAUSE THEY ADDED THAT BACK IN!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV FUNDING LLC {$1300.00} XX/XX/2019 Hi Sir/Ma, One day I checked my credit report just to see what was on my credit file, unfortunately I found this account that I am not aware of, I tried to dispute it, and request for debt validation to proof. Examples, Valid copies of the debt agreement stating the amount of the debt and interest charges, Agreement with the creditor that authorizes you to collect on this alleged debt, and Complete payment history on this account along with an accounting of all additional charges being assessed, to my surprise they did not respond to all my mails. Thank you. XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: FL

Complaint narrative:
-- i needed a loan and was approved for {$1000.00} at {$280.00} a month for 9 months as i was told over the phone -- -- i knew this was excessive but i had an emergency and need funds quickly -- -- -- -now the company is taking {$230.00} every two weeks for 18 weeks -- this is an insane amount of money for such a small loan and i feel i was taken advantage of -- -and lied to on the phone -- i need help -- i have XXXX   children in colledge and i dont know what to do -- -- -I recieved the  funds on XX/XX/2019 {$260.00} with drawn from my account on XX/XX/2019 -- only {$4.00} towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- only XXXX towards principal {$280.00} withdrawn from my account on XX/XX/2019 -- -only {$5.00} towards principal

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 2019-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My friend sent me {$400.00} over Square Cash on XX/XX/XXXX. Square Cash has a feature where it immediately sends the money to the debit card on file. I had a XXXX XXXX debit card associated with my Square Cash account. I had closed my XXXX XXXX  bank account the same day. 
The funds never arrived in the XXXX XXXX account. I opened a CFPB complaint, as well as a dispute with XXXX XXXX, and they got back to me stating that there was a credit and debit for that amount on the same day, as a result of which no funds actually arrived in my bank account ( letter attached ). 
I followed up multiple times with Square Cash and they said that the payment processor confirmed that the funds went through and were never debited ( screenshot attached ). 

So, I'm in a situation where the sending party ( Square Cash ) is saying that the funds were successfully sent, but the receiving party ( XXXX XXXX ) said that they never received the funds. 

I had opened a previous CFPB complaint to this effect with Square Cash as well as XXXX XXXX. XXXX XXXX   promptly responded but I have yet to hear from Square Cash ( it's been over 60 days ) Square Cash 's payment processor owes me the {$390.00} ( which was the net amount that was to be received ).

Company response to consumer: Closed with explanation