vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
It had previously come to my attention that Synerprise Consulting Services posted an adverse entry on my credit report, with a case opening date in XXXX. I checked my credit report a few months later, and Synerprise Consulting Services had unlawfully changed their case opening date to XXXX, so that the entry would remain on my credit report until XXXX. I have written to them about this, asking that they remove the entry, but they simply re-reported the invalid date to the credit reporting companies. I have never received any documentation about the disputed amount, and have no idea what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed my small business account because it was overdrawn. They did not make any effort to contact me, asked no questions, and charged me for the pleasure of being a customer of theirs since XXXX. 

My XXXX real estate business was impacted by 1 ) COVID, 2 ) by a divorce that started XX/XX/XXXX, 3 ) by the fact that my girlfriend received a XXXX XXXX diagnosis and 4 ) I was busy taking her to Dr. appointments for the XXXX XXXX she underwent as part of her treatment. 

BofA saw that my account, which had never been below {$4000.00} in my entire 16 year small business history, was overdrawn and did not reach out to me one time to ask a single question. They closed the account, charged me for the overdrawn amount less what was left in the savings account, and sent me a bill. I paid the bill which they sent immediately to recovery, and I am still receiving reports that the issue has not been cleared. 

This means I can't open any other business bank accounts or business credit cards, and have been blacklisted as a result. 

I paid the recovery bill. It should be cleared. They have not responded to a request I sent over a month ago, and I can't get anyone on the phone to answer my questions or even direct me to anyone who can provide a resolution.

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 2021-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Sometime in XX/XX/XXXX, my wife and I went into mortgage forbearance under the Cares Act of 2020. Our Mortgage Company, XXXX XXXXXX/XX/XXXX automatically granted us 3 months of forbearance. We extended it by another 3 months before XX/XX/XXXX and were scheduled to end our forbearance at the end of XX/XX/XXXX. 

Sometime in XXXX, I called my mortgage servicer, Phh Mortgage Services, to see the steps I needed to take to transition smoothly from a mortgage forbearance back into a regular mortgage and was told we would be put through a loan modification process that would involve 3 trial payments of {$2100.00} each for three months starting XX/XX/XXXX. 

We made all payments on time and in full with no problems but now we have a few issues with PHH Mortgage Services that they seem unable or unwilling to resolve. 

1. Sometime between XXXX and XX/XX/XXXX PHH Mortgage Sevices reported our mortgage loan account as being in default to credit reporting agencies. This affected the credit scores of both my wife and myself in a big way. 

2. The modified loan term that was sent to us increases our principal from its original amount by adding accrued interest over the period we were in forbearance. Escrow fees were also added. This increases our loan balance from {$360000.00} to {$360000.00}. 

3. Our interest rate was increased under the new terms from 3.125 % to 3.25 % 4. It is indicated in the terms that after we sign, there will be more fees, costs, or corporate advances that will be added to our loan. 

5. We have till XX/XX/XXXX to agree to these new and completely illegal terms under the Cares Act of 2020, or else we will not be able to get a loan modification. 

Basically, The terms from PHH Mortgage Services take my mortgage from a balance of {$360000.00}, an interest rate of 3.125 % with 29 years worth of payments left to a balance of {$360000.00}, an interest rate of 3.25 % with 30 years left to go. All payments made previously have been completely wiped out. With severely damaged credit done by PHH Mortgage Services so I am not even able to get better terms from someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
Child support enforcement I have disputed this erroneous child support account from account. Credit Bureaus and original creditor declines to take it remove it even with documentation sent to them from the court. This has hurt my ability to obtain credit and they assigning the dispute as verified without looking at documentation. I never owed this date. I went to court with lawyer, judge dismissed case and ordered records purged. They keep marking account as verified when it's 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 2021-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
the creditor agree to dispute off credit report and still shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Penny Mac is refusing to remove my PMI and finding various reasons to do so.

I have repeatedly asked for this to happen based on the fact that my ltv based on current market is way above what is required to remove PMI.

Penny Mac continues to hold me XXXX. 

I paid for an independent appraisal last year And they held my money and now just returned to me without any comments for the reason. Nor with any interest for keeping it. 


They have stated that I had a late payment for more than 30 days and that was not accurate. I called them and they informed me that was not the case. 

They said they would do an appraisal and during Covid I requested a drive by and not internal and they took {$150.00} and just now returned the {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: NV

Complaint narrative:
There are 6 Loans on my equifax that do not belong to me these need to be removed I have reached out to the bureau and the funrisher and they have not responded back. I need to know why this is still on my credit report and how this can be removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: PA

Complaint narrative:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete 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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I messaged PayPal today, XX/XX/2021 because I continue to receive an error when trying to transfer money from PayPal to my bank account. They responded that this is a known issue, gave me some general things to try ( clear cache/cookies, try a different browser, etc ) nothing work and they basically told me they added me account to the ticket thats open but have no clue when it would be fixed or how I can get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
The account with Santander on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The company verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a call from Citibank about an unusual activity on my checking account. As a result, Citibank blocked my access to my account. I called Citibank and confirmed I did not recognize or approve the unusual activity on my account. Therefore, I was informed I would get a new bank card within the next 24-48 hours which would have been the latest on XX/XX/XXXX. Unfortunately, Citibank did not advise me I could go to a branch to get a temporary card. I received a notification from XX/XX/XXXX that my bank card would be delivered on XX/XX/XXXX. However, it was not delivered. I have called Citibank costumer service about the matter and their representatives have been rude and provided misinformation. Its been more than 48 hours and I have not received my bank card and/or access to my account. Citibank has not made any effort to provide good customer service!

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2021 Portfolio Recovery added a derogatory amount on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. Debtors creditor did not verify this account collection. Also, there is NO form of written communication, contract or signature, for this accused debt at all. A bill without a 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'm requesting legal action to remove this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was attacked by a dog in the motel XXXX parking lot and so I demanded my money back after being misled to believe that the motel XXXX owner was going to let us stay 2 free nights as retribution, instead I get kicked out of the motel and didnt get my two free nights the owner had agreed to in exchange for not demanding a full refund. I spoke with a live chase agent on XX/XX/2021 and explained the situation and how I felt robbed of the service experienced I paid for. The chase agent gave me a refund for the length of my whole stay because I ended up going to the hospital for stitches. Come to find out that chase is being BLOCKED from retrieving my money because XXXX put a merchant chargeback after chase got my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: EMCC Holdings, LLC
State: MO

Complaint narrative:
Equiant  ( XXXX XXXX ) haven't respond to none of my letters to get out of the time share when I was only 2 weeks in the time share from XXXX  XXXX  I never received a responds and been trying to go so many ways to get out of XXXX XXXX time share, do to lost of my home because of lies of the XXXX XXXX, I have talk to multiply people at XXXX XXXX said they received the letters and would get back to me by letter or call they also lied about that as well, now I'm really in debt do to covid-19 struggling with XXXX kids. please i just want this account completely deleted off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, the customer service represented said they would remove my late fee. On XX/XX/XXXX they had not removed my late fee and gave me another late fee for the month of XXXX. I immediately called and explained the phone call on XX/XX/XXXX and asked them to pull the phone call as I told the first late fee was to be waived. Today is XX/XX/XXXX none of the late fees have been removed. Now is a balance of {$95.00} including interest and additional late fees. I have called several times to resolve this and have my phone calls pulled. With no help other then them telling I'm past due. These charges are complete bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter to all 3 credit bureau. Which it has been more than 60 days and I have not been notified or updated on all the incorrect information that has been reported on my credit report. I will file for litigation if the information is not corrected or removed. This is a violation and should be removed immediately. It is now XX/XX/2021 and still no updates or notifies or corrections

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 2021-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
This fraudulent debt was first sold to a company called XXXX XXXX. On XX/XX/2018 I was notified about this debt I asked for the company to validate the debt because I have done no business transactions with this company or the company they said I had a loan with and they erased the debt off of my credit report. Months later I received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX about this same debt. Due to the excessive calls and the inability to prove that this debt belonged to me XXXX XXXX XXXX also seized phone calls. I now receive harassing emails from Halsted financial services XXXX. XXXX XXXX XXXX, IL XXXX about every 4 days which they say they were outsourced by XXXX XXXX XXXX to collect on their debts. XXXX XXXX XXXX is utilizing many tactics to collect on a debt that they cant prove the validity of by submitting an original contract with my signature on it, documents showing the amount that was owed and the terms to which I agreed to pay. I have never done business with XXXX XXXX XXXX or Halsted financial services. I have explained to every creditor that has touched this fraudulent account that this is not my account and instead of doing their due diligence they keep attempting to collect on the old inaccurate debt and ruining my life by reporting incorrect information to the bureaus. I have been denied school funding, job offers and mortgage loans due to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I received a notice in the mail XX/XX/21 I have no clue what it is or where the debt originated. No answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
i am a victim of the XXXX  data breach and my information has been compromised. the account they are reporting is unvalidated and is not mine and is currently in litigation. 
please have them remove this unvalidated information from my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: TX

Complaint narrative:
It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: TN

Complaint narrative:
Never received any notice or request for debt. Never opened an account, identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for no reason, I used that PayPal for long time and I still have balanced on that account and XXXX need to to help my needs. My account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
In XX/XX/2020 around XXXX, I lost my home due to a house fire, and have been displaced from my home ever since. I finally received a check addressed to both my mortgage company and I, and I sent the check in the amount of {$310000.00} to my mortgage company, XXXX XXXX XXXX located in XXXX XXXX XXXX, Utah on XXXX by certified mail. This check was to be used to pay off the remaining balance of my mortgage from the home that burned down, and the mortgage company was supposed to send the rest of the funds back to me ( after paying off mortgage ) to go towards rebuilding my new home. 

After mailing the check, I contacted the company several times to make sure they had received the check, only to find out they could not locate the check, so I had to request a duplicate check from my insurance company. After receiving the duplicate check from my insurance company, I once again mailed the check in the amount of {$310000.00} to the mortgage company using a preaddressed XXXX enveloped addressed to XXXX XXXX XXXX, the claims department, and received confirmation the check was received on XXXX. 

I was told by the mortgage company they had to investigate and verify that the funds were good and that process was completed on XXXX. Funds were verified and remained in a secure escrow account. I was also told that it would take about 3-5 days to payoff the mortgage and to call back on XXXX to verify the mortgage was paid off. When I contacted the company on XXXX, I was then told they did not have a date when the mortgage would be paid off. Meanwhile, I am still displaced and being forced to pay for a mortgage out of pocket that should be paid off since XXXX, as well rebuilding my home out of pocket. Because the mortgage company lost the first check irresponsibly in XXXX, it has extended the process longer and has made it very difficult financially as I am trying to rebuild my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation