vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX  on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My son was put into furlough from is job back in XX/XX/XXXX because of COVID19. He could no longer contribute to the finances of the household. I then reached out to my mortgage company, XXXXXXXX XXXX for assistance by deferring my payments. They agreed by creating a forbearance plan that began XX/XX/XXXX though XX/XX/XXXX. My hardship didn't end in XXXX so I asked XXXXXXXX XXXX for an extension and they agreed for three more months ending on XX/XX/XXXX. In XXXX, I was fully recovered and ready to continue making payments so I made a payment in XXXX. However, in XXXX, when I spoke to a XXXX representative, they informed me that they were not prepared with a modified payment agreement and they extended the forbearance plan until XX/XX/XXXX. In XXXX, XXXX reached out to me with a letter stating that a modified plan was constructed and that I needed to make three consecutive payments with my first payment on XX/XX/XXXX through XX/XX/XXXX. I made my payments and then in XXXX after my last payment, they reported to all three credit bureaus that I was delinquent on my payments when in fact I was on a forbearance plan. When I reached out to XXXXXXXX XXXX on several occasions, they claim that they are not aware of this action and claim that there is nothing that they can do about it. I have received several computer generated notices claiming that there is an investigation that takes 30 days to process that never comes to a solution. XXXXXXXX XXXX sold my mortgage to XXXXXXXX XXXX right after the last trial modified payment was made but didn't inform XXXXXXXX XXXX  that I made my trial payments. I had to send XXXX XXXX a copy of the signed and notarized paper as proof of the action.

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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: MO

Complaint narrative:
I was charged on a bank account that I didnt authorized. When I was doing transaction I went through an instant bank verification where I want the money taken out. But I was still charged on an account that I previously used but not authorized for the current transaction in question. It cause me an overdraft and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
I received a notification from my bank in mid XXXX that there was a change in my credit report. Upon pulling my free credit report I noticed that I have a collection listed from Health Care Collection INC XXXX XXXX XXXX XXXX AZ. They claim the XXXXXXXX XXXX XXXXXXXX XXXX XXXX was the original creditor form a visit 2 years ago. 

They never contacted me about it and gave a chance to rectify the situation. 

I paid the deductible and my company sponsored insurance paid all the cost associated with the hospital stay. So this new bill after two years is a news to me. I was never given a chance to address it.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
As you may be aware the year XXXX has been very challenging for myself and other homeowners with their mortgage payments, I too was unfortunate to fall behind. So i felt really relieved after i applied for a deferred payment and got an approval from my mortgage company -Select Portfolio Servicing Inc , in XXXX of XXXX. However immediately after the approved deferral my mortgage company informed me that effective the same XXXX of XXXX my loan is now subjected to a significant increase in my interest rate from an affordable 4 % to a whopping 9.54 % which effectively increased my monthly payment from {$1000.00} per month including escrow to a overwhelming {$2100.00} per month including escrow. I contacted the company regarding an affordable interest rate reduction in XXXX of XXXX and to my great disappointment and after a lengthy and drawn out process of communicating with them and providing their info requests from XX/XX/XXXX they informed me in XXXX of XXXX that my request for a reduction of the interest rate which was doubled-up and ill-timed was not approved and even suggested i give up my precious family home to a short sale. I am in the process of appealing their decision and realized i will need Help from your organization to deal with this GIANT Problem with this Giant of the industry who makes decisions about people 's lives with no regard to peoples social needs of having somewhere to call home and being able to stay in their homes especially during and after the tumultuous year of XXXX and beyond where the corona virus came and turned our lives upside down. 

I sincerely look forward to your Help in this feeling of helplessness situation that i am in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I have attached the FTC reports and proper identification for your review

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX  was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?

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 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off

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 2021-03-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off

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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc.
State: CT

Complaint narrative:
Hello, Im shocked, surprised, XXXX out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: TCF NATIONAL BANK
State: UT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX were not late. Payments made in accordance with payment forbearance given by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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
State: OK

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I applied for a mortgage refinance back in XXXX of XXXX. I authorized them to pull my credit at that time. 5 months into the process, the refinance is still not completed to no fault of my own and JP Morgan Chase bank decided to pull my report again in XXXX of XXXX. I did NOT authorize this second hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Received email marketing for a PPP loan through XXXX on XX/XX/2021. Hit link in email, took me to the PPP Loan page where it asked for my personal information. I submitted application and I was approved. I do not recall receiving a disclosure of terms or conditions to review and accept online. 

On XX/XX/2021, re-payment for the loan was already happening, XXXX was deducting payments from transactions made through my square business account. This prompted me to call XXXX when I saw loan payments reducing my transaction amounts. 

I was notified by the XXXX customer service that the loan was not a PPP loan, but a line of credit that would be paid via XXXX transactions. 

When I was told this was not a PPP loan, I asked to cancel the loan and return the money, because it was something I did not want nor what I thought I was getting. 

I was told it was too late to cancel the loan because 2 business days had past and I would be charged the {$370.00} dollar origination fee and could either make regular payments to repay the loan or pay the entire amount, but I would still be charged the {$370.00}. origination fee. 

I do not feel this is fair as a consumer and I also feel this false advertising and " Bait and switch '' marketing technique and practice violates the UDAAP " Unfair Deceptive or Abusive Acts and Practices '' protections that I am guaranteed as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my third dispute. 
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-03-18 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
State: MO

Complaint narrative:
Hello, Here is what happened to me. On XX/XX/2020 Paypal closed my account and will not release my funds. They have been holding my money ever since. My balance is {$310.00} I have called emailed many times and never get a answer why they won`t release my money. I have spent many hours on hold or waiting for a call back that never happens. I can`t believe that a company like Paypal can get away with stealing people`s money. I was a customer of Paypal for many years. I had know idea Paypal could hold peoples cash anytime they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
We applied for a mortgage refinance on XX/XX/XXXX in the amount of {$350000.00}. The banker emailed on XX/XX/XXXX and said the loan was approved. The closing process was set for a TBD date in XXXX. On XX/XX/XXXX, a mortgage sales rep emails us and states they are reviewing the file for final approval submission and the lender will need us to continue to provide mortgage statements and pay-stubs until XXXX closing date. On XX/XX/XXXX, we signed papers with notary for closing and settled closing costs. Less XXXX minutes after closing, the notary returns to our residence and states that he has been informed not to file the documents due to an error on the lender or title side. 

The lender never provided a clear explanation regarding the error and stated closing would be rescheduled. I second application was not submitted but the approval process started all over as personal credit bureau had expired and the lender starting recollecting current mortgage statements and pay-stub information. On XX/XX/XXXX, Lender stated that file would be resubmitted to underwriting for an updated approval and their legal team would need to redraw documents. Lender stated a closing date before XX/XX/XXXX. 

On XX/XX/XXXX, lender emailed and informed they were waiting on recert of value and should be able to close within a week or two. 

0n XX/XX/XXXX, we emailed lender for update since we had not received any updated communication from the lender. Lender replied on XX/XX/XXXX and requested updated pay-stubs and bank statements and stated closing was expected the first week of XX/XX/XXXX. The requested information was provided on XX/XX/XXXX. 

The lender sent final closing disclosure and stated closing would be on XX/XX/XXXX. We did not receive any emails, phone calls or texts from the lender or title company regarding closing appointment on XX/XX/XXXX. The title company contacted us about closing on XX/XX/XXXX. Due to continued failure of communication and mortgage services, we considered the lender to be in default and emailed the lender on XX/XX/XXXX regarding failure to close. Lender did not address the issues and attempted to move forward with closing.

Company response to consumer: Closed with explanation