vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The Orange Coast Company, LLC
State: CA

Complaint narrative:
Financial Institution Fraud Orange Coast Title On XX/XX/XXXX the Orange Coast Title company along with XXXX XXXX made an Unauthorized Wire transfer to my XX/XX/XXXX Mortgage Loan Account for {$280000.00} My XX/XX/XXXX Mortgage Loan Account does not have a Successor in interest and I am the sole borrower on this Account My XX/XX/XXXX Mortgage Loan Account has nothing to do with aXX/XX/XXXX XXXX XXXX Forclosure that took place in XXXX. Monthly Payments to my XX/XX/XXXX Mortgage Loan Account continued uninterrupted before, AFTER and during the XX/XX/XXXXXXXX XXXX Forclosure. 
XXXX did not issue a demand for payment from the Orange Coast Title Company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$1500.00} which is detrimental to my credit status, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
LexisNexis is reporting 2 accidents as At-Fault, however there was lawsuits paid by the defendants insurance due to them being at fault. 

I contacted LexisNexis and they even said they are listed as No Fault, however there is an error and they are being sent out on the reports as BLANK, and left up to the insurance company to decide how they want to classify these. 

Driving record, and all other reports list them as No Fault, except LexisNexis. 

I contacted LexisNexis to resolve this, and they said it is up to the insurance carrier to correct it. However LexisNexis is the one reporting the inaccurate information, and according to the insurance company, it is up to LexisNexis to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander Consumer USA has been reporting randomly to the 3 major credit bureaus that my balance increases, when it should be decreasing. Ive been making my payments on time, even paying a little extra to avoid fees and interests, and my balance should not be increasing, it should be decreasing. Ive already paid to them more than 30k and my debt amount its not decreasing, theyre fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I opened an application to refi my home on XX/XX/20. All financial and personal docs were delivered to the Amerisave on the very same day via their portal. I also paid the obligatory {$500.00} Application fee. After that, I never heard back from the Loan Originator and spent the next 63 days with zero to minimal information on my loan status. I was constantly sending emails but never getting any answers. 

At day 63 from my original application, I reached out by text to my Loan Originator XXXX and he responded that since I applied online, his commission was really low and I was therefore not at the top of his list of priorities. ( Text images are attached ) I called customer service department the next day during working hours to inform them on what had occurred and to request a new Loan Originator or a refund of my {$500.00}. 

The next day, I received a call from an AmeriSave VP named XXXX who then assigned a new Loan Originator named XXXX. I have never heard from XXXX although I have called several times and written several emails to try to complete my refi. 

I called customer service again and was told they would pass the message along to XXXX the supervisor and XXXX the Loan Originator. There is no way to reach anyone of authority at this company that can help. Today is the next day and I have not heard from anyone at AmeriSave. 

* AmeriSave Mortgage took my hard-earned {$500.00} * I am fully qualified and documented to close my refi * I can not reach anyone at AMERISAVE Mortgage to assist in obtaining even a simple update on the status of my account I * I am paying a hefty fee to do this refi and expect better service * There is no reason this file has been moving so slowly and without any clear communication from Amerisave. 
* I do not need any Loan Originator to do me a favor, I am playing well for the service and expect professional behavior * I would like to speak with a Loan Originator to properly setup my Disclosure that is still incomplete If this is not possible, then I would like my fee refunded immediately The lack of professionalism and consideration of this Mortgage lender is beyond reprehensible and someone should take a closer look at this operation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
the car company reported late payment on XXXX, 2020 for more than 30days, I paid the company more than the regular payment on that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: IL

Complaint narrative:
On XX/XX/2020, Paypal permanently limited my account due to them saying that I did not follow their " user agreement '' but they did not provide me with any information of the breach. As a result, they notified me that my funds ( {$1200.00} ) was to remain on hold for 180 days per their " user agreement ''. While I was patiently waiting for my funds to be released, on XX/XX/XXXX ( 12 days before the 180 days ) they debited the {$1200.00} from my account and labeled it as " paypal 's damages caused by Acceptable Use Policy Violation ''. I then kept emailing paypal for answers and was left ignored or just received an automatic response. Then a month later, on XX/XX/2020, Paypal credited my account for the {$1200.00} and stated that the amount was debited in error. I continued emailing paypal over and over to see when they will release my funds and kept receiving an automatic response that it will be on hold for 180 days per their user agreement ; but I already waiting over the 180 days and Paypal clearly doesn't follow their own user agreement. There is nothing in their User agreement that states that Paypal is able to hold for more than 180 days or permanently. Due to my account being permanently limited, I am unable to receive any help on this and my messages are not being responded to. I have pictures proving this timeline and all the messages I sent them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$520.00} which is detrimental to my credit status, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Several months ago, Bank of America changed their processing of AutoPay billing. I have been a client of BoA for over 20 years and for at least 10 have used the AutoPay feature to pay my BoA credit card with my linked BoA checking account. Within these last 6 months I have noticed that my AutoPay did not function as it did in the past and missed payments. I contacted customer service and they advised me to update my AutoPay which I believed I had done. It turns out that after 20+ years of paying my bill on time, in full, with no overage charges that I continued to miss statement payments and was incurring interest fees on the rolling balance. After a conversation with a BoA representative it appears I was enrolled in AutoPay and paying my " Amount Due '' which was a {$25.00} minimum payment, not my statement amount due balance. There is another, new, option called " Account Balance '' which pays the entire account balance NOT the balance due on my most recent statement. There is no readily available description of these differences to the consumer during the selection process. 

I feel this is a deliberate attempt by Bank of America to intentionally confuse and mislead consumers to not pay their bill and therefore profit from the incurred fees, in addition to harming the consumers credit. 

I previously mentioned - I had DECADES of successful on-time and in-full payments and now I do not because of changes Bank of America made.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Today, XX/XX/20, I applied for an Apple Card by Goldman Sachs Bank USA. I was denied and the only reason stated was " You have recently been past due. '' I immediately pulled a XX/XX/XXXX credit report since that is the report that was used in determining my eligibility. My XX/XX/XXXX report doesn't show any late payments. I even went back 2 years. I also called XX/XX/XXXX to ask if they saw anything different. They confirmed that they also did not see any late payments reported. So, I called Apple Card by Goldman Sachs Bank XXXX XXXX XXXX and asked this issue to be looked into further. The Apple Card manager from the XXXX XXXX XXXX XXXX of the President department that I spoke to, XXXX, said this issue couldn't get escalated nor investigated. I asked him what exactly " recently '' meant in their terms and he said he wasn't allowed to provide any specifics on the definition of what " recently past due '' meant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: GA

Complaint narrative:
Transunion, XX/XX/XXXX & XX/XX/XXXX are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!

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 2020-11-04 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$470.00} which is detrimental to my credit status, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$2400.00} DEPT OF ED/XX/XX/XXXX XXXX {$2900.00} DEPT OF ED/XX/XX/XXXX XXXX {$6100.00} XXXX, XXXX XXXX {$250.00} ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have been disputing this debt for nearly five years. I do not owe this debt and hold a current court order showing that I do not owe this debt. Despite my many attempts to tell the original creditor and this collection agency that I am not responsible for this debt, the original creditor directs me to the collection agency and they still continue to falsely report this as my debt owed with all credit bureaus. 

I took matters into my own hands and tracked this vehicle by VIN # and sent paperwork with the website XXXX that proved this vehicle was sold in an auction and profited from the sale. I sent the sales listing for the vehicle from XXXX XXXX XXXX in Virginia - I have never been in Virginia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I got a Citi flex loan on my credit card. This is a fixed loan to function as a personal loan at the rate of 6.99. My interest has been incorrectly charged to me since inception of the loan. This has led an increase in interest payments that just is not legal. I make more than my minimum payments every month. Any amortization schedule shows you a continued decrease in interest payments over time. This is not the case with Citicards. My interest charges are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not increase the amount owed on this loan.

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 2020-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: IN

Complaint narrative:
Due to loss of hours due to COVID, I applied for a loan from SpotLoan, they promised that if you applied by XXXX XXXX. you would have the loan by XXXX XXXX., if after XXXX XXXX  you would have the loan the next day. That was Monday, XX/XX/2020. On Weds. morning XX/XX/2020 the money had not been deposited and I started accumulating NSF fees for the bills not paid that I applied for the money for. I called the support line, but it was not open, so I email support and told them that either a ) I needed to add more money due to NSF fees, or b ) I needed to cancel the loan. You have 3 business days to cancel the load according to their policies. The NSF fees caused my account to go into overdraft. I checked at XXXX XXXX. and SpotLoan HAD deposited the money before contacting me as requested. So now, even though they state you can cancel within 3 days, I don't have the money in my account to return it to them due to them not upholding their promise to have the money deposited the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: WA

Complaint narrative:
The collection was deleted on XXXX XXXX and XXXX XXXX credit reports but not on XXXX XXXX. All credit reports need to be equal and accurate.

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 2020-11-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
I had 19 weeks of unemployment deposited on to a way2go card which I believe is from conduent, it's the default payment method for recipients who don't have direct deposit, I recieved notification that payments were made and I'd recieved my card in 5-7 days, waited 7 days and never recieved it so I called the company and they charged me 15 bucks to cancel the original one and to sent me another through Ups with a tracking number, finally recieved it and had a XXXX dollar balance, tried to use card and it worked for several transactions then started denying all my transactions, I called they said it would be fixed in 24 hours, waited 24 hours then went to store to try again this time it worked for a little while then started denying all my transactions again, so I called them again and this time they said it would be fixed in 48 hours and wouldn't have any more trouble, Well 48 hours later I decided to call before I went to town and they told me this time that I'd ha e to send in proof of my identity, Id or social security card and birth certificate, well I don't have an ID at the time just some copies of my old one I'd used for other places, I sent them everything I had, they emailed me back and said it was accepted and sorry for any inconvenince it caused for me to call a XXXX number, I called and they said that the email was wrong and my Id hadn't been accepted, I started trying to borrow the money to go renew my I'd, well two weeks later I finally get my ID and send it to them and now they say they need my SS card and birth certificate front and back, I don't feel right sending them every bit of my identity when their website says they will never ask for my SS number via email which is exactly what the emails tell me to include, now there {$7300.00} on my card from the unemployment office that the payments company will not give to me, they always find something else or they say they didn't say one thing or another, I have the emails from them and have done everything they asked me to! They are the frauds I really do believe there's something wrong with the company! My power has been shut off and rents past due about to be kicked out and have no where to stay! I've already switched weekly payments to direct deposit and if I'd had done that before the payment for my backpack were made I wouldn't be suffering like I am now! Crazy how this company just keeps adding to the stress and pain in my life especially at a time like this!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I closed on my mortgage with XXXX XXXX  in XX/XX/2020 and received notice that was mailed on XX/XX/XXXX on or about XX/XX/XXXX that my loan was being transferred to LoanCare LLC on XX/XX/XXXX. I provided my payment to them using the loan number for LoanCare on the notice XXXX provided. A week later it is still not posted and when I called LoanCare today to check on a number of items I was disconnected after talking to 3 different people. 

Not only am I concerned about my payment but I am in the middle of a refinance on this loan and my property taxes are due in XXXX. 

The first person I spoke with was not helpful as she stated it could take 10 days to find my account or to be loaded and I was extremely upset since this mess is not of my making. I asked to speak to a manager, she put my on hold then put me back into the main queue. I went through the prompts again which is difficult since they do not recognize the loan number I was given or my social and the person who picked up also said she had to transfer me to another area because it wasnt her area. I told her that was not acceptable and wanted to speak to a manager so she put me on hold and put on someone names XXXX who again tried to pull up by my social and loan number and when she couldnt the phone went silent. 

I should not have this diffculty confirming they received my payment, my taxes are being paid and get a payoff for my refinance. These delays could cost me my rate and additional cost on my refinance.

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