vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: CT

Complaint narrative:
I received a notification on my credit score that I had missed a payment of {$27.00} to some company and it dropped my credit score dramatically. I found the company and made payment ( it was {$27.00} ). After making payment I looked in to what it was. Turns out I never ordered or received what they said. I never opened this account. After the incident I filed a police report and put a lock on my credit score. I would like this removed because it shows on my credit as 4 missed payments. This is not right. This is affecting my ability to get a mortgage. I would like the 4 missed payments removed. I just want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX from a seller on Venmo named XXXX XXXX after discussing the terms of purchase through the app XXXX  for the amount of {$960.00}. An important note is that I used the Buyer Protection feature in Venmo which states that money for a product not received or received not as described will be refunded, and the seller has gone cold since the XXXX. On the XXXX I decided to file a dispute with Venmo because the seller hadn't provided shipping information. Venmo said they would investigate and provide a solution with 7-10 business days, but their time has run out. After speaking to them today, they said that they haven't reached a conclusion and that 'investigation ' may require more time. There isn't anything to investigate other than the seller just scammed me from almost a grand, and I'd like my money back from Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: OH

Complaint narrative:
It was reported by I.Q. Data International that I owed a debt of over {$2800.00} for the property XXXX XXXX in XXXX, FL. I contacted I.Q. Data International on XX/XX/XXXX and explained that my statement of deposit from XXXX XXXX indicated that I owed {$1300.00}. I provided a copy of the statement by email to management, XXXX XXXX, on that date. I subsequently made 2 payments equal to {$1300.00}. I was told that this would close my account and they would mail me a receipt and do a " Pay to delete '' of this account from my credit report. After 3 weeks of no correspondence with I.Q. Data International, I called to inquire why there were no changes to my account. I was told that the original owner of the debt, XXXX XXXX, would need to concur that this debt was paid and they had no communication from them. I was also told that they could take as long as they wanted. I then reached out to XXXX XXXX on XX/XX/XXXX, where I was told that my debt was to the previous property management team, XXXX XXXX. The property has been under new management since XXXX of XXXX and there is no record of my debt with the new property management. I have contacted XXXX Properties and have been unable to reach anyone other than a answering machine. I have emailed twice to email XXXX with no response. I would like my account to be resolved as promised and removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: KY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: OH

Complaint narrative:
MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The XXXX XXXX XXXX XXXX for MERCHANTS & MEDICAL CREDIT CORPORATION , INC . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I was approved for mortgage assistance through XXXX XXXX XXXX XXXX for XXXX, XXXX and then the following 6 months until XX/XX/2022. I've contacted my mortgage company numerous times through email, and phone. Every time I get a response fron Shellpoint Mortgage Servicing LLC ( NewRez LLC ) it's always different answer, but in same form of " We Don't Know anything about it '', or " That's not my department ''. It's very frustrating. I would then reach out to XXXX XXXX XXXX XXXX  if they heard back from Shellpoint, and nothing. It's just overly annoying when I have to do all the work my mortgage company should be doing, and to be approved and not be able to apply to my mortgage account. This is the main reason for my missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( XXXX XXXX & LVNV FUNDING LLC ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CA

Complaint narrative:
We purchased a house through PRMI ( Primary Residential Mortgage Inc. ) and moved in XX/XX/2020. We have made all mortgage payments in a timely fashion, and noticed about 4 months ago that even though taxes and insurance were paid up to date, the company was holding more than {$8000.00} in escrow. We called to ask about a refund, and were told they would send a check for the full amount. When it did not arrive, we called only to be told they had taken the check back and would re-calculate what they owed us. After nothing of the sort happened, we called and the customer service personnel told us that several notices had been sent to the relevant office regarding our inquiries but no check had been issued. However, our billed payment amount was reduced by about $ XXXX/month. Today, in XXXX, the payment we have been making still stands at the reduced amount for the third month, at {$1100.00}, and the amount held in escrow is stated as {$9900.00}. We want the excess amount over taxes and insurance to be returned to us, have asked for that repeatedly over four months, and most recently have been told that the calculation would have taken place early this week, but we've heard nothing. We are evaluating moving our mortgage to a different company, but of course there will be additional costs. At our ages, late XXXXs, we have to carefully consider the cost of any move other than a complaint. No one with any authority at PRMI has ever responded to this issue despite repeated appeals from the people in Customer Service, who have no authority to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Unauthorized use of my credit report. Reporting incorrectly.

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 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have multiple accounts that are reporting on my consumer credit report that is not showing 100 % accuracy this is a violation of the FCRA and I will be seeking litigation for these in accuracies because Ive been fighting these in accuracies over 4 to 5 months also ive been making CFPB reports also contacted the XXXX  and still nothing is coming about my rights being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have a HELOC with US Bank. I refinanced with a different bank and a payoff check was sent to US Bank and received by them on Friday morning, XX/XX/XXXX. I called them the following week and was told to call back on XX/XX/XXXX. I was told at that time if they haven't loaded in my payoff that I could place a search for the payment. On XX/XX/XXXX they refused to trace the payment and was told it would take 10 business days from XX/XX/XXXX, which would bring me to XX/XX/XXXX... that I should call back then. In the meantime, the monthly mtg payment is due on XX/XX/XXXX and I advised them that I would not be paying it since they have a payoff check. In fact the payoff from the current bank overpaid my loan by {$510.00} which is due to come back to me. I was then told that I needed to make that payment for XX/XX/XXXX. I told them that it was rediculous to owe me money and expect me to make another payment on this loan since SOMEWHERE there is a payoff check sent to them and received ( XXXX confirmation and person who signed for it ) but they are insisting that if it isn't in their system, I would be charged late fees. 

What I am most afraid of is that I wait till XXXX XXXX to call them and it still is nowhere to be found and then at that late date, they put a tracer on it ... and it goes into XXXX and now I have to make two mortgage payments, not one. One to a bank that was already paid off and the other to the new bank. I CAN NOT AFFORD two mortgage payments.

I am upset that they don't feel one week is enough time for them to start the tracer now. If it hasn't been entered yet, how do I even know it will be? 

Anything you can do to help me is greatly appreciated. The customer service people I spoke with at US Bank refuse to give me to a supervisor above them that could help and would not bother to check with the loan department to see where the check could be. They wouldn't even notate my account that a loan payment was sent so that I am not responsible for any further payments until they find the check. It's just rediculous talking to them.

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 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake Financial Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I have made numerous attempts and I have all of the letters I sent certified and documented, Westlake is reporting to the credit bureau that I owe XXXX along with attached late payments.The dates attempted XXXX, XXXX, XX/XX/2021. 
Be advised that the description of the procedure using XXXX to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

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 2021-11-12 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/XXXX. i purchased some auto parts from XXXX XXXX. I purchased some new seats and controls for my truck. The total charge was to be {$700.00}. The owner said i had to pay {$300.00} to hold the parts then he would charge me the remaining amount after they confirmed they had the parts. It made sense to me. I soon noticed they charged me the same amount of {$300.00} four times on that date and went on to charge me 29 times more. I Called Barclay Credit card and informed them i suspected fraud. By then there had be 7 or 8 charges. The rep told me it was obvious what was going on and that the fraud dept would deal with it but i did not need to cancel my card at this time. After about {$8000.00} in charges Barclay agreed that they should cancel the card and issue another. No parts were ever sent to me. They were supposed to show up as freight on XX/XX/XXXX, signature required. Initially Barclay reversed the charges then later re-billed them to me. I ask several times to talk to an investigator to explain the situation. In order to do this you have to wait on hold for about an hour. This alone is stressful, especially since i have very very XXXX XXXX XXXX. I have never talked to an investigator for fraud from barclay. The owner of XXXX openly joked to me that he got me. I have never received any parts and i have been bill nearly {$9000.00} This is wrong and needs to be addressed. It just seems as if no one is really looking into this. I am a retired XXXX XXXX and i called the auto parts store several times. I called so much he began refusing to talk to me. The owner thinks this is all a joke and mocked me by saying we got your $ XXXX and you aint getting it back. Barclay fraud investigators should be equally as upset as i am. I am insured by law against such charges. What surprises me the most is that no one from Barclay as ever called to ask my side of what happened. Very disgusted in their investigation.

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 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OH

Complaint narrative:
I began working with AmeriSave on XX/XX/21, the initial conversations were prompt but they were quick to make me feel pressured to pay the {$500.00} application fee to begin this process. Any time they asked for documents I was responsive and gladly did whatever needed, but I don't feel I got the same in return. There was a distinct lack of communication internally with the company, it was a pretty regular occurrence where one person told me one thing and someone else said something entirely different. From amounts I owed for closing to what was getting paid off, I never got a clear answer from anyone. It wasn't until I read through my entire packet of closing documents that I realized things had really gotten out of control. I called AmeriSave the night before closing for clarity, and thought things were squared away, made the second wire transfer to the title company ( because at this point, three days earlier, I was told I owed less than the closing documents said, in addition to being told that all of my debtors were being paid off, which turned out they weren't ) Despite that, in my ignorance, I signed the paperwork. That afternoon, I realized that second wire transfer got returned back to me. I immediately reached out to AmeriSave assuming they would reach out to the title company, but I was made to feel as if it were my error and my problem to solve with no help from them. Turns out the amount they told me I needed to close was wrong by an additional $ XXXX, which is why the title company rejected my wire. After speaking with the title company, who confirmed they received the initial payment and that I did in fact still owe the extra money, I reached back to AmeriSave to see what caused such a difference and where things had fallen apart. They told me they were waiting to hear back from title to get clarity but when I spoke with the title company today ( XX/XX/21 ) they said they had in fact not heard from anyone at AmeriSave regarding the issue. I ultimately decided I wanted no part in doing business with AmeriSave and wrote them stating that I am cancelling the transaction. That prompted a call from someone I hadn't heard from since the beginning stages trying to man-splain their way out of losing my business, where I again told them I was cancelling the transaction and needed all of my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PCR Group
State: MI

Complaint narrative:
Debt with XXXX XXXX. They are reporting that 1 I was evicted. I was not. I turned my keys into the former manager also my former supervisor as agreed.

2. Was charged for back rent I did not owe. They revoked move in special I received. Charged for grass cutting that was not done or needed.

3. The debt was suppose to be apart of the workers comp claim. For the injury that happened while working for the community.

Company response to consumer: Closed with explanation