vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: MA

Complaint narrative:
Bank records show payment was made on XX/XX/XXXX for XX/XX/XXXX payment. 
No payment - XX/XX/XXXX. 
Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX. NOT 30 DAYS PAST Due. 
Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment was made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. 
Payment was made on XX/XX/XXXX for suspected past due balance of {$840.00}. Which covered XXXX 's payment. 

As previously stated in company 's response, they failed to recognize two ( 2 ) payments made and show as cleared by my finical institution. Bank records will show the correct date of payments that cleared and posted. This would indicated misinformation being reported to the credit bureaus and ascertains that the initial complaint remains valid and unresolved as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Purchase an item online via Paypal but the it was not delivered. I tried reaching out to both the seller and Paypal but have not received any response from the two parties. I contacted my bank XXXX  XXXX  XXXX XXXX XXXX but they referred me to this Bureau instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I have communicated with Amerihome regarding my mortgage on numerous occasions since XX/XX/XXXX. I have requested an escrow analysis twice ( XX/XX/XXXX & XX/XX/XXXX ) to ensure my Homestead Exemption was reflected on my account with my new tax rate. I sent the Tax Bill to Amerihome when I requested the first escrow analysis. I have yet to receive the analysis and my XXXX taxes are still being utilized to calculate my XXXX escrow resulting in me paying a mortgage payment that is way higher than it should be. Additionally, I have escrow overage. I'm sure at least a portion of it should be refunded to me. 

In addition to my calls, I have emailed Amerihome customer support department twice and also requested to speak with a supervisor several weeks ago. No return contact from either. I called again today and requested that a supervisor contact me regarding the overage I'm being charged in my monthly mortgage payment and the escrow overage that is being held in my account. 

My taxes in the amount of {$6600.00} were paid by Amerihome in XX/XX/XXXX yet, they are still using my previous year 's tax rate of {$10000.00} ( which is incorrect ) to calculate my monthly escrow. 

My Insurance & Taxes : Homeowners- {$4100.00} Flood- {$1300.00} Taxes - {$6600.00} Total - for {$12000.00} Escrow : Account as of yesterday - $ XXXX Monthly escrow being collected - {$1300.00} per month ( X 12 months =. {$16000.00} ) If you add the money in my escrow account ( {$9300.00} ) to the annual amount Amerihome is collecting ( {$16000.00} by the end of XXXX ) they will have {$25000.00} of my money. If my insurance and taxes are {$12000.00} for the year, why does Amerihome need an additional {$13000.00} of my money? 

Kind regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Holding excess of {$2200.00} just after paying all property tax from escrow & missing {$1700.00} on escrow balance. 
I have called multiple times on phone listed on the pdf letter that the bank has sent from past complaint. After more than 45 minutes, it just hangs up every time. 

If you review my past submitted xls file, the refunds of {$590.00} on XX/XX/XXXX, and {$390.00} on XX/XX/XXXX were already taken in account & came to missing of {$3300.00}. 

{$1600.00} refund on XXXX, XXXX, XXXX was not on monthly statements & that's why I missed it. It would be better if Axos can provide transparent accounting info including escrow transactions. Anyways, even after taking that in account, we still have {$1700.00} missing from escrow. 

I have updated the xls file to reflect this & also added the over collected escrow ( as reported on Axos site after disbursement of XX/XX/XXXX property taxes ) {$2200.00}. 
Inline image Would you please provide copy of all escrow transactions from beginning of the loan in table format? That will help clarify most of this confusion. 

Now please refund {$4200.00} as soon as possible. 

-XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I settled the medical debt with a hospital and they said it was done. Now about 4 years later I am getting the same amount from a debt collector trying to collect. Now after 4 years they have put this on my credit report.This debt was settled already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
On XX/XX/20 I spoke to and made an agreement with ERC Enhanced Recovery Collections regarding my XXXX XXXX XXXX account. We agreed that if i paid in the requested amount to settle the account they would remove it from my credit and as of today they have not done so despite the fact that i kept my end of the bargain. I am trying to purchase a home for me and my sons and I need this to be removed as we agreed to. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation 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 2021-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation 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 2021-02-12 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:
I've recently reached out to XXXX, XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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 2021-02-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Ive had a credit card with USAA Federal Savings Bank for more than 15 years and Ive never been delinquent. To avoid delinquency I schedule auto pay to ensure payments are successful and timely.

A few years ago, I discovered a 30+ day delinquent notation on my account and I called USAA . I was unaware that my autopay stopped. I didnt receive calls or information in the mail to avoid the situation. I asked if this could be waived and they told me they would remove the fee and negative comments. 

Its been almost 5 years and they havent removed the negative information. I have sent multiple emails and called to have the delinquent comments removed. This situation has affected how my family and I operate especially during the pandemic as I am trying to help my extended family in other ways. The delinquent information has really impacted my future financial transactions. Please remove the delinquency status from all three credit bureaus and the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: FL

Complaint narrative:
I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.

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 2021-02-12 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:
I am extremely upset! I was looking at my credit yesterday morning and I saw an account that was not mine! How can something like this happen! Why is it that my credit file has someone else account information! Who put this on my credit report? From what i can see this is fraud or an absurd mistake. My credit score is super low and now I am not able to use my credit in a pandemic! My car just broke down and i cant even get a new car because of this problem! Please help me and investigate this outrageous problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: TN

Complaint narrative:
The companies involved are : XXXX XXXX XXXX XXXX and its servicing company Loan Care ( LC ) In the spring of 2019, there was a change in servicing companies from XXXX XXXX to LC. 
The transition of business between the two service companies obviously did not go very smoothly regarding customer 's account information & payments. Soon after the transition we were notified that we were in default of one month 's payment in the amount of {$840.00} We were never found to be in default of any payments. During the recent closing of the sale of the property, LC sent a payoff statement to the title co. which, had this disputed payment hidden in the 'principal balance ' as a lump sum ( see attached ) that was not broken down and not transparent. 
It was later learned that this mortgage payment and another bogus expense ( a {$4000.00} fake home insurance ) was also bundled in their payoff statement. This was obviously done intentionally to take advantage of the fast timelines and pressures of a closing. When this was discovered post closing, we submitted a complaint for both bogus expenses of which only the fake home insurance was refunded. 
We were assured the disputed mortgage amount would be refunded if we obtained a specific verification document called a ' transmittal ' statement ( see attached ) from XXXX XXXX validating the payment. When this was submitted to LC, they quickly changed the rules and did not accept this and, added that now it's our responsibility to do the leg work to discover what XXXX XXXX did with the money?? ( see attached response from LC ) It is not our responsibility to be LC 's detective & collection service and, is absolutely ludicrous. This level of flagrant behavior validates they feel accountable to NO one! 
At this point, no one is disputing that we had made the disputed payment in 2019. Now that they have stolen our money and have it in their possession, the case was closed ( without notifying us or providing a written final decision ) and, they refuse to discuss this matter any further. The impropriety of their handling this whole issue is unconscionable. This is consistent with their ignoring a previous CFPB complaint ( ID XXXX dated XXXX ) on this same payment issue. They have proven total disregard for any authority.

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. System, INC has not only violated my right to privacy, but has also threatened to ruin my reputation by reporting the collection to national credit reporting agencies. They are not the original creditors and should not be threatening to report this collection 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 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting an erroneous account on my credit file. I recently checked my credit and noticed that I have an account reporting on there that I am not aware of and does not look familiar to me. I am on someone's account as an authorized user but it is not my account. I never signed anything authorizing this account to report on my credit and I never requested to be added on this line of credit. I need my name removed the the account and deleted from my credit file immediately. This is not my account and I was never aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are over 70 credit inquiries on my credit file with transunion, XXXX and XXXX and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are over 70 credit inquiries on my credit file with XXXX, XXXX  and experian and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: GA

Complaint narrative:
Lima One keeps paying my insurance even though it has already been paid. The insurance company refuses payment and then the cycle starts all over again. I've explained this to them multiple times. Today, after going back and forth with their Portfolio Analyst, when I told them to not send the payment again because the insurance has already been paid and they need to credit my escrow, they stopped communicating with me. It's a simple process that they don't seem to understand. We've probably gone back and forth on this for over a month and I can't count how many emails and two phone calls.

I have two mortgages with them and this occurred on both mortgages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: MI

Complaint narrative:
XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my Experian credit report on XX/XX/XXXX and noticed XXXX credit card monthly status reflected " late ''. I spoke with a XXXX representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the XXXX of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort

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 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
There was a collection report to my credit from XXXX XXXX. I had no clue who this was and have never heard from them. I filed a dispute as I did not know who this was. I called and after being transferred around multiple times was finally told the original creditor was XXXX. I called XXXX and learned the debt was sold to XXXX for less than {$1800.00} total debt. I have made multiple attempts to resolve the debt with XXXX and XXXX XXXX whom has reached out to me regarding the debt via email after I contacted them. They are telling me the debt is over {$3000.00} in a matter of months from receiving from original creditor. I asked for an accounting of what I am being charged for as it is not adding up. THEY ARE REFUSING TO GIVE ME AN ACCOUNTING TO RESOLVE THE ISSUE. IT IS BEING REPORTED ON MY CREDIT AS NEGATIVE AND NO WHERE NEAR THE AMOUNT OF {$3000.00}. I CAN NOT RESOLVE OR PAY A DEBT THAT THEY ARE REFUSING TO TELL ME WHAT I AM PAYING FOR YET REPORTING NEGATIVELY ON MY CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened 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 2021-02-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/ 2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.

Company response to consumer: Closed with explanation