vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Back in XXXX I was laid off after 20 years at my job, I became XXXX XXXX and struggle for about 2 years after. I believe at the end of XXXX I became past due on my mortgage about 3 payments. I recently took a good look at my mortgage statements and realized that most of my payment is going to interest so I looked at my loan note and realized my name is not even on my note, I borrowed $ XXXX on XX/XX/XXXX with a 30 year fix mortgage with a maturity date of XXXX/XXXX/XXXX that means I have been paying on it for 11 years and my principal balance has only gone down $ XXXX, so I decided to call my mortgage lender and they informed me in XX/XX/XXXX I received a modification ( I honestly don't recall signing any documents ) and they said my term was extended 14 extra years ( for 3 past due payments ) meaning my maturity date it is now XXXX/XXXX/XXXX but yet my payment are still the same as my original note. I have been requesting copies of my signed modification documents to no avail, my current lender is New Rez when I called them for copies they referred me to XXXX XXXX XXXX XXXX from Shell Point Mortgage Services I talked to her and she said she does not have them to contact my lender via email I sent an email to XXXX I have not heard from anyone. I desperate need 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 2020-09-17 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Medical Data Systems , Inc is reporting multiple inaccuracies to XXXX. The date of delinquency is incorrect. The last payment date is incorrect. The debt was never validated but I paid it because I didn't want my credit to be affected. MDS never provided me with detailed bill. They just put the collection account on my credit report. Filing complaint with CFPB as well and the Attorney General of FL. 


XXXX  continues to allow them to report multiple inaccuracies without proper investigations. XXXX  is also blocking me from receiving the results of disputes online and they do not mail out results. I have to call them to get results. I also requested my credit score over 30 days ago and have not received it. I plan to sue.

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I C Systems failed to validate a debt that I dont know about.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased tickets to a XXXX XXXX XXXX game from XXXX , XXXX, a California corporation. The game was cancelled. 

Per California law, I am due a refund, so I am disputing the validity of this charge. 

XXXX California Code Business and Professions Code Chapter 21. Ticket Sellers BUSINESS AND PROFESSIONS CODE SECTION XXXX XXXX. The ticket price of any event which is canceled, postponed, or rescheduled shall be fully refunded to the purchaser by the ticket seller upon request. Any local jurisdiction may require a ticket seller to provide a bond of not more than XXXX XXXX dollars ( {$50000.00} ) to provide for any refunds that may be required by this section. 

In XXXX 's answer to the California office of the Attorney General, they indicated that I am due a refund, but they do not wish to refund me until XXXX ( see the attachment ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX  on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property

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 2020-09-17 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: CA

Complaint narrative:
I am very upset at Trans Union and XXXX XXXX XXXX right now. I began disputing an account on my credit report in XXXX since I knew the account was well over 7 years. Not only did I not get a timely investigation, I had to file a complaint just to get the credit bureaus to do an investigation. I finally received written results from Trans Union dated XX/XX/2020 which was XXXX XXXX months after I submitted my initial dispute. 

I was shocked to see the account was verified as accurate by Trans Union. When I received this notice from Trans Union stating as such, I called XXXX XXXX XXXX to figure out what kind of information they had which showed this was indeed an accurate account. I called the number provided in the investigation results by Trans Union for XXXX XXXX XXXX. The individual who answered the phone was named XXXX XXXX XXXX and said his company 's name was XXXX. He also stated they are a non credit reporting entity and they assigned an account which had my info to XXXX XXXX. After I asked for some clarification as to why XXXX XXXX XXXX is on my credit report and was just verified days ago with this number XXXX stated again that XXXX  is a non credit reporting entity. He even said it was his understanding XXXX XXXX XXXX was out of business. 

After hearing everything from XXXX and being told XXXX  purchased the account in question and assigned it to XXXX, I called Trans Union with an advocate. Trans Union wanted us to mail in a power of attorney before they spoke with my advocate but I wasn't going to do that considering how many months it has taken for them to even conclude an investigation which I know was fraudulent. How can Trans Union verify a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't even exist anymore. Even if XXXX  purchased this account from XXXX XXXX XXXX, XXXX claimed they are a non-reporting entity so again I ask how could Trans Union have verified this account? 

I don't know what Trans Union did or didn't do but I want this account deleted from my credit report once and for all. Trans Union took 2 1/2 months to conclude an investigation and they clearly didn't do a real investigation since it is impossible they verified something with a company that does not exist. By the way, now that I think about it, I haven't received a response from XXXX either. I did from XXXX. I want to add XXXX to this complaint as well.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
American Advisors Group ( AAG ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
AAG, XXXX, XXXX, XXXX XXXX, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: VA

Complaint narrative:
On about XX/XX/XXXX I first contacted the company regarding the debt on my credit. I advised the company that the debt was incorrect and I did not owe that amount. The representative became very nasty and yelled that the only option I had was to pay the debt on full. I continued to advise her that the debt was not correct only for the representative continued to talk over me and say that she didnt have to provide me with any information about the debt besides the amount I owed I called again on XX/XX/XXXX. I again was yelled and and demanded to pay the owed amount I begged for assistance only to be told that they had talked to me about it before. Also while I was waiting on hold the representative called me on a in state ( VA ) number. She states that the system hung up on me when it had not.

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 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX  stated I owed an old debt to Wachovia bank. Stated it was sold to them in XXXX. They had me previous and current address and my social security number. They stated if I didn't resolve the debt during the phone call they would send the case to an attorney and my bank account would be frozen and the XXXX XXXX would be implemented.

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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called bcuz I saw a charge that I may or may not have made. The CS agent refused to request a copy of the receipt before filing a fraud dispute. He refused to do it for me specifically, in his exact words.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NV

Complaint narrative:
For the past 2 years I have been trying to get this problem resolved. There are two accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the two places. 

XXXX XXXX and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since XX/XX/2013I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUIDANCE RESIDENTIAL, LLC
State: TX

Complaint narrative:
I have a mortgage through Guidance residential. 
Suddenly I started seeing extra ( {$18.00} ) on my monthly bills named as LLC fees. 
This was not disclosed on the closing and extra after all other payments.

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 2020-09-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2020, I had {$4500.00} fraudulently withdrawn via ACH from my primary bank account at Simple. I subsequently found out three accounts ( two at XXXX and one at XXXX XXXX ) had been opened in my name, and took steps immediately to report fraud on those accounts and have them frozen. 

I discovered this on XX/XX/XXXX, and had to wait to report it until the XXXX as the bank was closed for the XXXX XXXX holiday. I filed a report with Simple and signed an affidavit stating the {$4500.00} ACH withdrawal was fraudulent and that I did not authorize it. The bank stated they would submit an ACH dispute on my behalf. 

Since that time, I have been provided no updates on the status of the dispute despite me requesting such, the only timeline I have been provided is XX/XX/XXXX. The bank has told me they will not authorize a provisional credit or a credit for the amount stolen. 

I am on Day 9 of this issue with no end in sight and correspondence from Simple not being satisfactory. I have requested that Simple provide me copies of their correspondence with ACH regarding the dispute, including but not limited to time and date stamps to clue me in as to what exactly they are doing to help me, a loyal customer.

As of right now I have had to take one day off of work in the middle of a busy season to deal with this issue. I have taken steps to freeze my credit, put a security alert with XXXX and move my remaining money to a different bank. 

Please help me recover my {$4500.00} from Simple. Their customer service has not been satisfactory and they have offered no protection or recourse from this fraud incident that has drained my account of a significant amount of money that I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Reports have confirmed that the XX/XX/XXXX began affecting XXXX XXXX in the fall of XX/XX/2019. I myself became ill in XXXX and I used all my accrued leave. I was fired from my job and all this while trying to pay mortgage and other bills. My mortgage with PennyMac is currently in forbearance and they are still reporting it delinquent. I have stayed in communication with PennyMac and Ive inquired about ways to make the delinquent payment. PennyMac refuses to help me. They have said that the payment will not be applied. I dont know what else to do. I am at my wits end. I need help with this creditor. I want my account status to no longer be reflected as delinquent and I am happy to make the 1 delinquent payment in order to make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Lending Club Corp
State: PA

Complaint narrative:
I submitted an electronic dispute to Lending Club Corporation concerning a loan that was charged off that was included in bankruptcy. I filed for Chapter XXXX Bankruptcy on XX/XX/2020. After submitting XXXX disputes to Lending Club through XXXX  Lending Club has failed to conduct a reasonable investigation to show that this account was included in my chapter XXXX bankruptcy and they are not adhering to the XXXX XXXX furnishing requirements outlined in the Credit Reporting Resource Guide. If Lending Club can not make the necessary corrections to my credit report by either updating my credit report to show accurate information or by deleting the trade line from my credit report, I will be consulting an attorney and proceeding with legal action as this is a direct violation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
It all started when i received word from XXXX XXXX, my credit monitoring company that the XXXX XXXX XXXX ( XXXX  ) had pulled my XXXX  report on XX/XX/20 regarding an application submitted fraudulently in my name for the XXXX loan. I called the XXXX that same day and reported the application as fraud. Today, XX/XX/20 i received a debit card from Paypal to provide a way to deposit funds for government assistance. To me the two are related. I attempted to call Paypal to get the account closed but i am getting redirected to their website as they seem unable to take calls regarding this matter. When i go to Paypal 's website i am being told the only way i can submit a form for them to contact me to close this account and address this matter is by logging in to my paypal account, which, i don't have. I refuse to make an account for this matter as i don't want to further incriminate myself. I need help with getting this debit card closed, i do not want it and do not take responsibility for any funds associated.

Company response to consumer: Closed with non-monetary relief