vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Hello, Today is XX/XX/2021. 
I am trying to pay XXXX XXXX XXXX my mortgage payment, but the phones are disconnected and the website will not let me access my acct. 
I have recently done a loan modification and this is my 2nd payment with the loan modification payment. 
I don't know what to do. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: NC

Complaint narrative:
For Transunion - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

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 2021-01-15 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: NC

Complaint narrative:
For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For Equifax - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

For XXXX - XXXX XXXX Acct # XXXX - Date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought XXXX XXXX. There should be no interest accumulated on this charge off, date of last payment is XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

Furthermore, the bank, which ever the company name is these days is showing MULTIPLE charge off. I was always under the impression that once charged off that was it, it is charged off? I will also be contacted the Federal Banking Regulators among any other company or federal complaint line that I can find to file these fraudulent and fcra infractions that you have been reporting and accepting as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
I received a Economic Impact Payment Card in the mail the week of XX/XX/XXXX. I did not want to activate the card because the issuer wanted my SS number and banking information. It wasn't clear to me that it was connected to the government stimulus package. I could not find any details through the IRS.gov website. My tax preparer did send me additional information about the terms and conditions but could not vouch for its legitimacy. Under the terms and conditions it states I can opt for a check payment by contacting their customer service. When I used the number listed it goes straight to card activation and never to customer service. The card is enabled by Money Network and is issued XXXX and the only number listed is XXXX. I just want a check issued to me just like the previous stimulus check.

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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I have contacted the company several times about the debt asking them to provide me with a contract that I signed with them stating i owe them what they asking for and to stop collection activity. they did not deliver. the also went and put the collection on my credit report using another address of the collection company and listed it under a false name on my credit report. I sent my final communication to them to remove this account from all my reports and cease all contact and collection activity. they have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.I will also call my lawyer and file a lawsuit. Remove this fraud account ASAP!

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 2021-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NM

Complaint narrative:
Sallie Mae is the loan company, however XXXX XXXXXXXX XXXX is the school. Currently there is a open application with the Borrowers Defense ( US Department of Federal Student Loans ) for this student loan due to a school closure and the school making promises to me in which they did not fulfill but still want me to pay. XX/XX/2021 when contacting Sallie Mae the company stated it is not their problem the school closed nor does it matter I have a approved forbearance with US Dept. of Fed. When contacting the Borrowers Defense they have all student loans on forbearance. Sallie Mae continues to be harassing and does not take into account the forbearance currently on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately!

Best SERV CO ( original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: KY

Complaint narrative:
I refinanced my home through XXXX in 2020. I had paid XXXX on time every month. XXXX contacted me saying they bought the mortgage and needed to pay them for the month of XXXX and XXXX of 2020. I had already paid XXXX this money. However, XXXX still hit my credit with a late payment. I have paid out of my savings to get current with XXXX while XXXX still has my two months of mortgage payments. XXXX said they are releasing the money to XXXX. However, XXXX still hit my credit with a late payment and my score dropped XXXX points as result. According to FBR 1024.33 the actions taken against me by XXXX are a violation of regulations.

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 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing the nature of this complaint the 3rd time. the two cases have been closed as the Capital One bank promised they did not fulfill their promises as noted in the two letters to contact the POCs. My bank ( XXXX ) and I, we called the POCs listed many times and no calls to date. CID # XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX and XXXX POC : XXXX, letter dated XXXX XX/XX/XXXX. 

Finally, I reached out to Capital One bank and logged a complain citing these two letters and the supervisor called me on XXXX XX/XX/XXXX after 45 days of my call and she provided me with the fax and email address where to send Hold Harmless Letter. My bank send a letter to Capital One bank on XXXX XX/XX/XXXX and the second one XXXX XX/XX/XXXX ( attached fax sheet ) has the email address and fax number where the letter was faxed and email per direction from XXXX - Employee ID # XXXX. 

Capital One please settle this account with all the problems you have given me for over a year to return my wire transfer. 

I can be reached at XXXX and my cell phone number : XXXX. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021 collection was reported on my account by Midland Credit Management as derogatory mark on my credit report as per XXXX.Upon, further research this account was transferred sold and i am no longer responsible for the account.Creditor did not verify this collection .Also there was NO written form of communication, contract or signature for this accused debt at all.A bill without written signature does not validate the debt and anybody can send a bill and say it's mine.According to the FCRA Midland Credit Mangement has violated my rights as a consumer and i'm requesting legal action to remove/deleted this account immediately from all 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 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: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is in reference to BP gas credit card services. Account number XXXX XXXX XXXX XXXX issued by Syncrony Bank. 

Due to loss of job due to XXXX BP has been unwilling to work with me for payment options. I have insurance on the card. BP will not work with me and has declined my request to provide me with payment agreement or waive late fees on my 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 monetary relief
Consumer complaint received 2021-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I had a recent transaction as a seller on XXXX where I explicitly said the item is local pickup only. An out of state buyer knowing this ( sent email before hand ) bought the item, sent no money for shipping. The buyer paid {$270.00} after taxes. I obviously needed to cancel this listing. However, paypal immediately took their ~ {$8.00} fee when the buyer paid and taxes. Leaving about {$250.00} in my paypal account. If I wanted to refund the buyer, paypal said I would 'need to go in the negative ' as the paypal fee can't be refunded. XXXX support told a similar story and said the only recourse will be for me to refund the {$260.00} and me lose my {$8.00}. As of XX/XX/XXXX  paypal refunded the buyer {$260.00} dollars and hence I lost {$8.00} since they did not refund my {$8.00} paypal fee. 

I don't know how this is legal that paypal keeps their fees for someone buying something willingly disregarding my listing stipulation ( no shipping ). Hence, the seller automatically loses money if a refund needs to be made. Paypal needs to have their fee be refundable if the buyer willingly acted in bad faith. My transaction was XXXX ID XXXX Paypal transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX  and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, XXXX  and Transunion of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, XXXX  and Transunion have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, XXXX  and Transunion still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.

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 2021-01-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, Equifax and XXXX of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, Equifax and XXXX have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, Equifax and XXXX still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of two fraudulent transactions on my Bank of America XXXX account one on XX/XX/20 for the amount of {$980.00} and one for XX/XX/20 for {$500.00}. I have been calling Bank of America to get credit for the money I was stolen {$1400.00} and seem to not care about this situation. I have been on and off with the Bank and XXXX and have already filed a police report because I am willing to take this as far as I can to get my money back. I have not been able to pay all my bills and will not be able to pay my rent this coming month, I am a single mother of XXXX children and stressed out of this crazy situation. All I know is that I need to put food on my table and need my money back and the Bank is not assuming responsibility to give me credit for the amount stolen. I have been placed on hold for long periods of time and they hang up on me, I am frustrated and disappointed with Bank of America 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 2021-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Got hurt at work and unable to maintain mortgage payment, we have children living in the home, was working 5 days a week got cut down to 3.

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