vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
The payment servicing site for the company in question ( https : //www.fairwayindependentmc.com ) does not let you set up auto-payment but only lets you do one-time payment every month.

( 1 ) That is a complaint in itself. 
But on XX/XX/30 XXXX I entered the site to create immediate payment. It first let me pick earliest as XXXX. So I scheduled a payment. And then it allowed to create one for XXXX. So I created the needed payment ( XXXX ). But the site does not let you cancel online - So I called the customer service to ask to cancel the later payment. They assured me that it has been canceled ( 2 ) But it was not, and I was deducted twice that month ( XXXX ). That is compliant # 2 against the company whereby the customer service representatives are relaying false information on the phone. I was close to overdrawing my bank account and narrowly escaped those fees. 

Then instead of receiving a statement for XXXX which would show the above statements and if the money went towards principal. Instead I received a " Notice of Sale '' whereby only the new processing company was noted " XXXX XXXX  '' without information on loan principal transferred or loan terms or any relevant information. 
( 3 ) Complaint # 3 and final strike is when I called in to get the XXXX Statement and to ask the principal and where my last payment is. ( Had to call in because the site would not let me see the notices online. There is a link to see the notices but it would not load ever ) The customer agent could only send me XXXX statement and no payment history records for the 2 payments that were made in XXXX. I have proof with my bank that Fairway got both the payments. The agent phone call went on for 30 minutes, with no resolution to the simple question if I could be given document stating the loan amount transferred to XXXX XXXX. And no record of payment history with Fairway could be furnished. In addition, the agent stated that the additional payment has been sent to XXXX  ... without any proof. XXXX  site does not even recognize the loan number provided to me to check. 

I understand the loan transfer / resale .. and have been through many of them. But not providing adequate information is unfair. In addition, not providing easy access to payment and billing information to our own information could be the cause for people falling behind or just missing payments and having to deal with credit impact - when the companies are just not making it easy for us. 

I would be happy to provide any more information regarding this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: GA

Complaint narrative:
I asked Experian and the other bureaus to investigate my accounts to see if they where all accurate and their investigation resulted in a deletion of XXXX XXXX! Experian mishandled my credit report and need to be handled with. Today I received a alert that the account was updated and added back with no verification at all. Who did they speak with? Who did the deletion? This is effecting my ability to purchase a home and get funding for my XXXX XXXX to create jobs!!! Experian misleading and Mishandling of my credit report is criminal and illegal!!! I will attach documents to support 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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple times i have tried to dispute a collections mark on my credit. First of all experian used to display that the collections mark would be off in XXXX or XXXX. Now it doesnt say that any more and the mark is still there. But i have given many reasons in my disputes including this as well as errors in the dates of the collection report and the collections agencies failure to locate the case with my social security number which they ask for on the phone. Experian has only given me vague dispute conclusions that say the collector is valid ; but thats it. No details perraining to my dispute. Im not even sure they looked into it. And to top it off experian went ahead and updated the collection report to todays date as opposed to 2019 which it had. So i can thank them for the extra two years of delinquency on the report. Not.

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 2021-07-28 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: TX

Complaint narrative:
On XX/XX/2021, 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress 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 2021-07-28 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: MA

Complaint narrative:
****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.

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 2021-07-28 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: MA

Complaint narrative:
****SEE ATTACHMENTS PLEASE**** For the last few months, I pointed out couple of errors, misleading, incomplete and multiple inaccuracies how my name are mixed misspelled, wrong addresses, inconsistent with several accounts and Ive asked that you investigate and delete. These accounts are not verifiable under section of 609 of FRCA and therefore I need them all DELETED effective today. 

The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
Company complaint with Amerihome Mortgage. 

I am selling my house and my payoff statement is off by an excess amount of at least {$2100.00}. I have called in several times and sent several messages to customer service with no response. I need a resolution ASAP! I furloughed my mortgage during Covid last year for 4 months. The PRINCIPLE and interest of the four month furloughed, was added on to the back of the loan as ADDITIONAL principle. The principle of that payment should not have been added in as additional principle. That would be paying the principle twice! The principle of those payments was XXXX ( loan statement provided ). So four months of XXXX is at least {$760.00} of principle furloughed that was added on as additional principle! Also, in 2020, our residential taxes changed from {$4000.00} to {$2300.00}. Our escrow account was at least {$250.00} higher than it should have been for each of the 4 payments, so there is an excess of at least {$1000.00} in escrow that was furloughed that was added on to my principle balance.- to further this, our account last year had an excess amount and we received a refund of only {$120.00} at the end of the year. So the escrow that was held in these payments shouldve been paid back.-I also found it strange that we only were paid back {$120.00} from escrow if our taxes were lowered {$2000.00} ... were did the rest of the escrow overage go? I have provided documents and statements. To show the number that needs to be corrected. The total overage is at least {$2100.00}. The payoff should be at least {$2100.00}. less. We are closing on our home sale on XX/XX/XXXX and I need this payoff statement corrected ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
In XX/XX/2021 PayPal closed my PayPal account which still had XXXX in the account. This was closed because a customer sent a payment via friends and family instead of goods and service by mistake, PayPal said this was against their policy and closed the account. They said they would have to hold funds for 180 days. I have gone to look and they have transferred the funds in the account to themselves. I have range them up to ask why and they said because of that policy violation. However, that money is mine and I did not authorise the transaction. 

Have full documents to prove it etc Transaction ID : XXXX Transaction details Print Correction XXXX XX/XX/2021 at XXXX XXXXTransaction ID : XXXX Payment status : COMPLETED Gross amount XXXXXXXX XXXX We have no postal address on file Your payment Gross XXXX XXXX PayPal XXXX XXXX Net amountXXXX XXXX Contact information PayPal Funding details Funding Source : PayPal balance Funding XXXX : XXXX XXXX - PayPal Account Need help? 

Go to the Resolution Centre for help with this transaction, to settle a dispute or to open a claim. 

MemoXXXX XXXX ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal XXXX Damages caused to PayPal by Acceptable Use Policy violation ( s ) ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: AL

Complaint narrative:
Portfolio Recovery Associates keeps updating an out of date collection that was never mine to begin with and XXXX refuses to remove it or reinvestigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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:
On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " i was not the one who sent that mail ''. I feel as though this is ridiculous. I spend weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transactions done by myself. I have attached the FTC report along with my drivers license

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 2021-07-28 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am writing because Ive been in contact for months with Barclays to dispute a fraudulent transaction on my credit card. Ive been transferred between the dispute and fraud departments every time I call. Ive been told a supervisor is never available but that one will call me back, and yet Ive never gotten a call back. 

The dispute I have is regarding a transaction on my Barclays account where a merchant overcharged me. I was in XXXX XXXX, XXXX at a bar on XX/XX/21 with a friend, and when I attempted to pay the bill for drinks, I was told we owed {$8000.00} XXXX XXXX. I handed my XXXX credit card I use for daily purchases to the waiter who walked away to charge the card, but when he returned, I was told the card declined. 

I then proceeded to attempt to pay with another XXXX card and I was told it declined too. The same happened with a XXXX XXXX I tried to use. I then tried to pay with my Barclays card, but again the waiter returned to say the card declined, and I would need to pay with cash. A representative of the bar then took me to a nearby ATM, and I made a withdrawal, and paid my bill in cash to pay this. I was given no receipt, but I was allowed to leave the bar at this point. 

It was not until I checked my Barclay account online much later that I discovered the Barclays card was charged! Not only was I lied to about the transaction, but the card should NOT have been charged at all because I paid in cash, and the amount also charged is outrageous, and not in line with my bill that day. Plus, I never signed a receipt for that charge. When I noticed the charge, I contacted Barclays to help resolve the matter because I had no way to contact the bar, and I do not speak good enough Spanish to have been able to discuss the matter with them either way. 

I provided a copy to Barclays of the ATM transaction for the cash that I used to pay the merchant, as well as the text messages from both XXXX XXXX & XXXX showing the merchant was trying to charge my account random and outrageous amounts which were not authorized by me and are clearly fraudulent. To date, Barclays has denied my claim once, providing no explanation.

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 2021-07-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX called my last employer, XXXX and told the GM I was going to be charged with electronic check fraud and they would be there to serve me immediately if I didnt pay in full. They left the number XXXX and case number XXXX. They represented themselves as a law office and provided a number as well as a case number. When I called the number they told me a debt had been turned over to them by MoneyKey and the state would be prosecuting me for fraud as well as their attorney would be suing me. They repeatedly told me I would be prosecuted and held accountable for the fraud I committed. When I asked for names and addresses they refused to provide me with additional information. I requested proof of the debt and the threats they were making or anything in writing to help eradicate the matter and was told there was nothing that could be done but pay in full. They made multiple threats to attach additional fees if I didnt pay in full immediately that same day XX/XX/XXXX. They have since then called multiple people telling them this. I havent committed any fraud I repeatedly asked for proof and to be sent of what they were saying and was told I couldnt be helped. Luckily, my last employer records all calls so I can get recordings of the call if need be. This company is violating FDCPA rules and regulations and multiple complaints have been filed against them with the XXXX. Businesses like this shouldnt be allowed to operate without penalty. I cant undue the lies they keep telling my ex coworkers and different family members they have called. I have told them repeatedly to stop calling. They refuse just as I refuse to pay a debt Im not responsible for. On XX/XX/XXXX I finally found out the name of the actual company who had been calling making the threats. MoneyKey sent an email stating my debt had been sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. This company repeatedly denies that it is them making the threats by saying its another company but no other company would have the data to quote the loan amount that remained. Not to mention the threats began not even a week after the debt was sold. This is illegal and something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: National Auto Lenders, Inc.
State: TX

Complaint narrative:
I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.

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 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE

Company response to consumer: Closed with explanation