vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GSF MORTGAGE CORP
State: OR

Complaint narrative:
On XX/XX/XXXX I engaged XXXX XXXX XXXX XXXX XXXX XXXX to pre-qualify on an OTC loan to purchase land and pay for the building of our primary residence. At that point I already knew which builder I wanted to engage, XXXX XXXX XXXX XXXX, and I was aware they had an in-house lender named XXXX XXXX XXXX XXXX XXXX XXXX. I had decided not to finance through them because I felt that it presented a conflict of interest. When I first met with our XXXX XXXX consultant, XXXX XXXX, on XX/XX/XXXX, she asked me why I wasn't using their lender. I explained it to her and she responded " ok. '' After constant delays and missed deadlines on XXXX XXXX behalf I had to negotiate with the seller to extend the close date and in exchange release my {$3000.00} earnest money. Then on XX/XX/XXXX out of the blue 58 days before closing, my lender sends me an email telling me that I have to work with XXXX. The reason she said, is because the loan processing company GSF Mortgage told her that while I was approved for the loan " ... we [ GSF ] have a working relationship with their XXXX XXXX 's XXXX mortgage company '' so I would have to use XXXX At this point I had to secure a land-only loan so I could close on time, or risk having the seller walk away or charge me a per-diem on the lot. Securing the land-only loan is costing me {$45000.00}, plus closing costs and a monthly mortgage that I wouldn't have had on the initial OTC loan product.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a charge for {$4600.00} was made on our business debit card at BANK OF AMERICA. We had just gotten our insurance money on XX/XX/XXXX from a break-in. 

We filed the claim on XX/XX/XXXX so just over a week after the fraudulent transaction 's. BUT THIS WAS ONE OF THE REASONS WHY THE CLAIM WAS DENIED!!!! A WEEK! The person over the phone said that the claims department found that gap too long??? Its crazy that bank of America expects small business clients be checking our accounts everyday when we know we should have a account full of money? That's a quite ridiculous statement! Federal law gives 60 days to report fraudulent transactions I think 10 days is very fair! 

While checking my phone I had found that there was a malware installed that likely had remote access to my phone as well as a key logger this explains why all my emails were sent to trash and the fraudulent transaction was verified via sms. 
This also explains why " I logged into my online banking 17 times '' I DIDNT!!!!. I WOULDNT BE SUPPRIESED IF HACKERS HAVE HAD ACCESS TO MY PHONE FOR AGES!!. And just waited for my insurance money to deposit especially since they had access to my emails. And most likely were watching the conversation with me and my insurance company. It took me 10 days to file a report. But they said that I logged in over 17 times. Doesnt that by itself sound suspicious why would someone log in multiple times a day especially since that was essentially the only transaction its quite a XXXX accusation. Also one of the boa associates I spoke to said that someone also attempted to buy {$1000.00} worth of visa gift cards! But that transaction was denied? Why would you allow a XXXX transaction from an account that mostly does transactions under {$100.00} without temporarily restricting the account? When I had made a large transaction at XXXX  once XXXX closed my account and I had to go inside and vefiy it and only then did they reopen my account why would the bank allow a larger transaction go through but not a smaller one. Especially since both were from places our business never shops with. I would just like to have this resolved.

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 2021-04-17 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Hi, I was approved for Covid relief forbearance on my mortgage held XXXX XXXX in XX/XX/XXXX. I extended it in 3 month increments until XX/XX/XXXX with no problems. My loan was transferred to a different services in XX/XX/XXXX. It was transferred to XXXX XXXX XXXX. Due to new legislation, FHA, XXXX XXXX, and XXXX XXXX loans were eligible for another 6 month extension. My loan is privately held and not one of those. But even still, under XXXX XXXX, applying for the forbearance was very easy and straightforward. When it came time to extend the forbearance again after XX/XX/XXXX, XXXX XXXX XXXX required proof of unemployment with paperwork that is not available from my states unemployment office. I sent them as many things that I could like bank statements, my unemployment account screenshot, my original unemployment award letter, etc but they said everything was insufficient. They said that I need to submitted a current award letter saying that I am currently getting unemployment benefits in XXXX. Virginia XXXX XXXX did not send a updated award letters to people and they do not answer phone calls or emails so I can not even request one. The legislation on Covid relief explicitly states that no proof is required yet this company is requiring it. I understand that the legislation is only for specific loans but my loan holder has been the same and XXXX XXXX did not require any documentation. It is XXXX XXXX XXXX that is requiring it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX always has payment website down when trying to make payment. When I call to make a payment I am told that they charge a fee to collect payment over the phone. 
This company requires an additional {$1000.00} to be held in escrow at all times to make sure the escrow is not short. Without providing explanation as to why

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 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
I have proof of a successful transfer from my XXXX wallet of XX/XX/XXXX of XXXX at XXXX in the amount of XXXX to XXXX however, XXXXXXXX  has not deposited said amount. When talking to XXXX XXXX  customer support they confirmed my transaction and said I need to discuss it with XXXXXXXX I have made several attempts to reach out to their customer service. I even created a twitter account to try to reach out to their customer service and I have never received a word about my complaint. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: KS

Complaint narrative:
I am having an problem with Equifax verifying the information they are reporting my credit report. I sent two letters on my XX/XX/2021 and XX/XX/2021 stating what information was reporting inaccurately and I wanted those items to be verified or deleted. After the first letter some account were deleted which are those crossed out. These other accounts remained on my credit report without any verification from Equifax. Even when those accounts were deleted from my credit report I never received any mail about what was deleted or remain. Being Equifax did not show any proof about these accounts that remain they should be deleted. Equifax has added another account to my credit report yesterday called XXXX XXXX XXXX starting this is an medical collection, I feel my HIPAA rights have been violated with this mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XX/XX/XXXX - I signed a settlement agreement with XXXX XXXX. It was agreed {$7600.00} of {$11000.00} owed was acceptable by XXXX XXXX. Monthly payments were made and the final payment was made to XXXX XXXX of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from XXXX XXXX with the {$3700.00} amount as the balance left to pay. In XXXX, XXXX XXXX did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to LVNV Funding LLC and the original Creditor was XXXX. ( It was XXXX XXXX that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. LVNV opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with XXXX XXXX. 

XX/XX/XXXX - I received correspondence from Resurgent Capital Services, stating they were verifying the debt and will be servicing the debt for LVNV Funding in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to Resurgent Capital Services, explaining that the debt had been settled with XXXX XXXX and the LVNV should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from Resurgent stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the LVNV is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over XXXX XXXX XXXX and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
I have contacted Equifax and mailed the information and uploaded it. This is still showing on my credit and I was informed that my credit will be updated in XXXX hours. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX XXXX. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX I. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.

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 2021-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have received a letter from Experian that they " have added an Extended Fraud Victim Alert to your credit report as requested on your behalf '' i never gave Experian permission to a fraud alert let alone an EXTENDED FRAUD VICTIM ALERT. Experian has been making it hard for me to acquire credit from creditors due to this fraud alert. They are in violation a few laws for doing this ; 15 US code 1681 ( a ) ( 4 ) - There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It is not fair that i am getting declined for loans and credit and they are not respecting my right to privacy.

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 2021-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX, I officially started the refinance process with XXXX XXXX of NewRez LLC. XXXX XXXX wanted me to make " quick '' decisions as interest rates are always changing. Long story short, I paid NEW REZ LLC for an appraiser to come out to do an appraisal ( the amount of the " original '' appraisal was misquoted by XXXX XXXX and an additional {$50.00} was charged - separately. ) I promptly provided ALL documents requested AND submitted UPDATED documents ( pay stubs, W-2 's ) as the time went on, and on, and on - apparently each month a new pay stub was needed since this process was not " wrapping '' up. On XX/XX/XXXX, I received an email from XXXX XXXX informing me my loan had been " conditionally approved. '' On Janary XXXX, XXXX, I received an email from XXXX XXXX informing me she was my mortgage processor and would taking care of my loan. Fast forward to XX/XX/XXXX, XXXX XXXX stated she would like to get the loan closed by XX/XX/XXXX and that I needed to sign a new lock rate extension as the first was expiring. On XX/XX/XXXX, I received an email from XXXX XXXX who was STILL working on my loan and that she was hoping to have it closed by XX/XX/XXXX. Well, here I am today, XX/XX/XXXX and still NOONE has returned my numerous emails and countless daily phone calls. 
It seems that I am not the only person this is happening to - if you look at the reviews on their website ( which show a XXXX average ) there are COUNTLESS reveiws that read the same as mine. As a Math teacher, I can not figure out how the COUNTLESS one stars add up and average to XXXX - NEW MATH? 
I have since moved on to another mortgage company today - as the most recent email from XXXX XXXX stated she was hoping to have it close by XX/XX/XXXX which has come and gone AND I have not heard from anyone from this company. 
I WANT my appraisal fee returned as this is BAD BUSINESS, actually NO BUSINESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: FL

Complaint narrative:
As per their own correspondence, Capital One is unable to provide the requested proof, yet they continue to report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Hello, I had an account with COMENITYBANK/WAYFAIR opened in 2017 the account with XXXX past due worked worked out a payment plan was due to lost of income. Everything is paid they update my account from closed to charged off paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: NC

Complaint narrative:
XX/XX/XXXX - I signed a settlement agreement with Lending Club. It was agreed {$7600.00} of {$11000.00} owed was acceptable by Lending Club. Monthly payments were made and the final payment was made to Lending Club of {$3700.00} in XX/XX/XXXX. The balance was requested by me and I have an email from Lending Club with the {$3700.00} amount as the balance left to pay. In XXXX, Lending Club did report a charge-off on my account in the amount of {$3400.00}. Since then, I am not exactly when they changed the balance to XXXX and kept the status as charged-off. 

XXXX - I received correspondence from XXXX XXXX XXXX stated that I owed {$3400.00} to XXXX XXXX XXXX and the original Creditor was XXXX. ( It was Lending Club that I had the account with. I had never received any correspondence with the Creditor name as XXXX. ) They were offering a settlement agreement for me to pay {$1700.00} of the {$3400.00}. XXXX opened a new account in collections with the 3 credit bureaus and a balance of {$3400.00} as of XX/XX/XXXX. They have continued to report 30 days late each month because I refused to settle on an amount that had already been settled with Lending Club. 

XX/XX/XXXX - I received correspondence from XXXX XXXX XXXX, stating they were verifying the debt and will be servicing the debt for XXXX XXXX in the amount of {$3400.00}. 

XX/XX/XXXX - I sent a certified letter to XXXX XXXX XXXX, explaining that the debt had been settled with Lending Club and the XXXX  should be removed from all three credit bureaus. 

XX/XX/XXXX - I received a letter from XXXX stating they would be looking into my inquiry. 

As of XX/XX/XXXX, I have not heard anything from either Company. However, the XXXX is still on my credit report in collections and they continue to report late each month. 


Thank you for any help you can provide.

Company response to consumer: Closed with non-monetary relief