vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
I applied for refinance of my home with Better.com I have signed my closing papers for refinance on XXXX/XXXX/2020. As per the CD I signed, payoff date was XX/XX/XXXX. But actual payoff happened on XXXX/XXXX/2020. 

I did not get any proactive update from lender about delay in payoff. I continue to make calls and emails to closing expert assigned to my case and they did not respond. 

I have paid prepaid interest from XX/XX/XXXX2020 for XXXX  days. 
I have also paid interest to my current lender til XXXX/XXXX/2020. 

I am supposed to get the final CD after the closing and refund of double interest charged. 
I have called almost everyday and did not get any proper response. I get a response that closing expert is busy in some meeting and will call me back and that never happened. 

Its 2 weeks since I signed my closing documents and still waiting for final CD and refund of double interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}

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 2020-08-14 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Argon Collection Agency XXXX XXXX  bills ) There is one for {$7000.00} and one for {$170.00} dollars approximately. I have disputed them several times with XXXX XXXX  as well as XXXX XXXX and XXXX. Insurance has notified me as paid. This still shows on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$450.00} XXXX XXXX {$740.00} XXXX XXXX {$630.00} XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX $ XXXX XXXX {$460.00} XXXX   XXXX {$230.00} XXXX XXXX {$2100.00} XXXX XXXX {$470.00} XXXX   XXXX {$100.00} XXXX XXXX {$950.00} XXXX XXXX {$230.00} XXXX   XXXX {$550.00} XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX   XXXX {$190.00} XXXX XXXX {$740.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$530.00} XXXX XXXX {$0.00} XXXX XXXX {$580.00} XXXX   XXXX {$1600.00} XXXX XXXX {$1300.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1300.00} XXXX XXXX {$530.00} XXXX XXXX {$740.00} XXXX XXXX   XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
Good morning! 

I have been working with XXXX XXXX ( Element Funding ) on a new XXXX  property. As we got to the appraisal portion I was advised the appraisal would be {$500.00} and she took my credit card information over the phone. I was then charged {$720.00}. This is not my main issue. 

I am now using a different lender, XXXX XXXX with XXXX XXXX XXXX XXXX. I am working with him group to get the appraisal that I paid for transferred from Element Funding to XXXX XXXX XXXX XXXX. 

XXXX and Element Funding are refusing to transfer this appraisal after numerous requests. I was advised by my attorney to reach out directly to CFPB to file the complain to expedite this process. 

Can you please help get this apprasial transferred. This is VERY urgent. 

Thanks so much. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. 
The last complaint XXXX was not reviewed. I am now sending a request again along with the same paperwork that I previously submitted.

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
On XXXX XXXX, 2020, I paid an outstanding XXXX  debt from XXXX XXXX   Group of XXXX to XXXX  XXXX  XXXX. The amount of the outstanding debt was {$50.00}. I have attached proof of payment from XXXX XXXX  XXXX  indicating that I have satisfied the debt in full. 

From the documents that I have attached, you will see that the original collection from XXXX XXXX XXXX was reflected on my XXXX   credit report as of XXXX XXXX, 2020. Once I satisfied the debt, it was subsequently removed from my credit report, as shown on my credit report pulled on XXXX XXXX, 2020. On XXXX XXXX,2020, another collection for the same XXXX  debt from XXXXXXXX XXXX XXXX in the amount of {$50.00} was reported to XXXX  by Paramount Recovery Systems. 

I immediately contacted Paramount Recovery Systems to inform them that this debt was already satisfied through another collection agency. Paramount asked me to send them proof of payment. Paramount indicated that once proof of payment was received, the debt would be considered satisfied and removed from my credit report. They also informed me that they received this debt in XX/XX/2020 from XXXX XXXX XXXX. I have attached documentation showing where I faxed proof of payment to Paramount Recovery on XXXX XXXX, 2020. 

Now, Paramount Recovery Systems is telling me that they can not remove the collection account until XXXX XXXX XXXX instructs them to do so. I've reached out to XXXX XXXX XXXX, who told me they have not received anything from Paramount Recovery and that I need to follow back up with Paramount to get this situation resolved. At this point, I am getting no clear answers from either XXXX or Paramount. Every time I call Paramount and ask to speak to a supervisor, I am told that I have to leave a voicemail and that someone will call me back in 24 hours. I've left at least three voicemails and I've never gotten a return phone call. I'm simply trying to have a debt removed that I do not owe. 

All documentation is attached. Also, I would like to make it clear that I have never received any phone calls, letters or correspondence of any kind from Paramount Recovery Systems relative to this debt. All of the correspondence that I've previously received was from XXXX XXXX XXXX. The first I ever heard of Paramount was when I received a notification from XXXX  that this account had been added to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX/XXXX/2020

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 2020-08-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris has called me repeatedly, Their contact information : XXXX XXXX One evening 6 months ago the president of the company that I work for realized no one in our company had been checking the general voice mail box where outside callers can leave messages, he spend time listing to all the message to clear the voice mail box out. 

The next morning when I came into work I was called into the presidents office, he handed me a sheet of paper listing 17 times that Harris & Harris called and left a message, he told me to correct the situation immediately as being a manager of the company this doesn't look good on me. 

I contacted Harris & Harris and told them I'm not allowed to receive calls at work and their Constance calling could jeopardize my employment. 

They stopped calling for a few months but know the calls are starting back up again last call was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
My loans were delinquent XXXX years ago. They would not work with me. My co signers had to pay to get loan caught up then they lowered the interest rate for 6 months. Now I have reduced hours and I have called them XX/XX/2020 and customer service tells me there is no other options for a reduced payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: FL

Complaint narrative:
Hello, I am a victim of identity theft cause by Equifax and XXXX data breach. 
Numerous accounts and address were open fraudulently with my information. I have sent Equifax lots of letters and police reports, also Identity affidavits over the years. Equifax fails to practice 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
on XXXX I have applied to refinance my mortgage with Santander bank, My credit card was charged {$390.00} as an application fee on XX/XX/18. after getting my commitment the bank has changed pricing and terms in a manner that made it uneconomical for me to do it. on XXXX I have withdrawn my application and requested my fee to be refunded in writing. my application was withdrawn but the bank refused to refund me my fee. there is nothing in the documents that describe that fee as non refundable. 
I have had several communications between myself and the mortgage rep and still nothing. In short I need my fee to be refunded to me.

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 2020-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
We received a joint car loan from Regional Acceptance in XXXX for a XXXX XXXX XXXX. The amount financed was under XXXX and the monthly payment was {$440.00}. After years of making late payments and incurring fees and penalties, the payoff in XX/XX/XXXX is still over XXXX! We did not know that the loan terms from Regional Acceptance were predatory in nature because we were not told that the penalty for making a late payment was that most of the payment does not get applied to the loan balance. Allocating a small portion of a full payment to a car loan in order to collect more late fees and interest is criminal. At this point, we will be paying on the XXXX for several more years to payoff the XXXX balance. We have already paid over XXXX for this vehicle and it only has a market value of XXXX. How can a company make thousands of dollars off of a customer just because they made late payments? This is predatory and criminal.

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 2020-08-14 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: NY

Complaint narrative:
We are a small new nonprofit. We opened an account with PayPal in order to accept donations. People started donating, so we have over {$950.00} of donations at this point. In exchange for donations, we provided lawn signs, so we have incurred expenses against the donations. 

I have been trying to complete the account set-up process for a month. They said I needed to provide documents to verify the business address. The system appeared to be automated, in that it wouldn't accept the documents provided. I tried to explain that we are a small organization, and don't have things like utility bills at this point. Finally we seemed to get past that stumbling block. I never received any confirmation, but it stopped asking me for it when I log in so I assume that means they finally accepted our documents. ( Tax ID letter from the IRS ; driver 's license ). 

Now the system says my email isn't confirmed. The ONLY way to contact support is through their online " messaging app ''. The messaging app is clearly a bot, as it keeps sending the same information over and over. The instructions say to click a link to send an email for confirmation, but the confirmation email is never received ( and yes, I've checked spam folders, etc. ). The website also will not let me change the email address. In spite of the fact that they say the email is unconfirmed, I've been receiving notifications of donations at that email address for more than a month. The automated bot simply will not accept that it doesn't work, and it won't connect me with a human being. I have spent hours and hours attempting to resolve this. 

At one point, the bot gave me a phone number. I called the number, went through a long menu system, and then it told me " we can't support your issue at this time '', said to use the messaging app and hung up on me. I've tried multiple times. 

At one point, the bot gave me an email to use ( XXXX ), I sent an email and got an automated response telling me to use the messaging app. 

There should be a regulation that financial services company have to provide customer service. There has to be a way to reach an actual human being to get the problem resolved. As it stands, PayPal has the money donated by our supporters, and there is no way for us to access the money. In other words, PayPal has stolen the money. After 30 days, they refund the payment, so we are losing donations for every day this goes on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am super frustrated with XXXX, XXXX XXXX XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.

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 2020-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am super frustrated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX ID XXXX Acct number # XXXX, XXXX XXXX am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am super frustrated with HomeLoanServ, XXXX XXXX  XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to HomeLoanServ. I purchased with a Conventional loan and DPA offered thru a State of Texas program. This DPA was supposed to be a silent second. However, HomeLoanServ reports it on my credit report : ID XXXX XXXX Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below XXXX! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no idea where these credit inquires come from, I have written the 3 major credit bureaus twice to dispute these inquires, I did not give anyone from these companies permission to run my credit, I don't know how they obtained my personal information but i don't know any of these companies. I have asked XXXX, Equifax, and XXXX twice to remove these inquires because I have no idea where they came from

Company response to consumer: Closed with explanation