vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NM

Complaint narrative:
I had filed a dispute on a charge that was made to a merchant on XXXX to my NetSpend card after doing so XXXX resolved the issue and refunded my money through PayPal which has my refund now due to the fact I diputed the charge to my credit card company I can't receive a refund and net spend won't drop the dispute I filled on my request that it's been taken care of and is hold the dispute for thirty more days I want it dropped now I am told there's nothing I can do but what really I did it now can't reverse it and there dispute department has no contact info to talk to them it all a bigness that's now held up a large sum of money my that I need thank you

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 2019-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
These accounts do not belong to me Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX   Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency PARAMOUNT RECOVERY SYSTEMS Original Creditor Name XXXX XXXX   XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact PARAMOUNT RECOVERY SYSTEMS XXXX XXXX XXXX XXXXTXXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$76.00} to XXXX XXXX XXXX. This debt is NOT mine as I've never had XXXX   XXXX XXXX services. I've attached the letter they sent and as you can see that is not my name as " XXXX '' is not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Everything concerning my account has been corrected with the exception of a {$65.00} late fee for which I am still being billed as of my payment due XX/XX/XXXX. This late fee was caused by PennyMac 's misapplication of my XX/XX/XXXX payment made in the amount of {$1600.00} to principal in the amount of {$850.00} and to escrow in the amount of {$780.00} instead of applying it to the regular payment due in the amount of {$1600.00}. 
However, PennyMac has since corrected this misapplication but has neglected to delete the late fee that was erroneously charged. It is requested that this late fee be deleted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started since XXXX of this year dispute unverified inquiries with TransUnion. I send them 4 round of dispute letters to resolve this matter. I recently check my report and still have in queries that are hurting my credit score so bad.

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 2019-10-27 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. 

I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I was a little behind on my mortgage so I went to pay a month online but the system didnt work. It confirmed that I paid but never withdrew. I called PHH mortgage and they said it was a problem with the bank so I called my bank and they never got the request. At this point I was quite behind, but had the amount to get myself up to date. I called and through discussing with them discovered they had my wrong bank so we paid again for the amount of {$3000.00}. It was removed from my account so I assumed it was all set. I then received a foreclosure letter from them along with an attorney letter. I was surprised since as far as I knew I was current on my mortgage. I called them and they said they never received the money. I had my bank conference call to them to inform them it was indeed removed from my account on XX/XX/XXXX. They said they can not locate the money and to call back Monday to see if they had located the money but that they could not end the foreclosure process until those funds were located. I am concerned that This is negatively impacting my credit along with any fees that may come from the foreclosure process. I am also terrified I will lose my home when I have not done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
This problem involves Mr. Cooper loans formerly known as Nationstar mortgage. I fail behind on my payments after 13 years of never missing a payment with a credit score of XXXX. This came as a result of losing my job. 
I performed odd jobs and tried to make payments online as I have always done. However, the company froze my account. I wrote them a letter to please allow me to make payments because I wanted to pay down what I owe but they ignored it. 

After 5 months, strangers started coming to my house because the mortgage company put my name, home address, telephone number to the public. During job interviews at one point, I began to get harassed by call after call from total strangers who got my number from Mr. Cooper. When I say harassed, I mean back to back to back to back phone calls from complete strangers asking to purchase my house. I would get 15 calls in one day frequently. 

I called them to complain and every single time they asked " what are the people calling you saying? '' I tell them and their response is always " interesting ''. The number the gave me for mortgage assistance which I have called 21 times ... every single time there's only an answering machine belonging to a Ms. XXXX. I left a message several times. Yet when they call back, there is only static on the other end. No human ever called back. Even when I called back immediately after the call, I would get the answering machine to whoever this XXXX is. 
I tried to test them by inquiring about refinancing and I received a call back in 5 mins with an actual human being. I told him about my problem and he promised to call back but never did. 
The entire time my house kept being invaded by complete strangers and phone calls multiple times per day. After several months ( 8 months ), I was finally able to get a real human being because I complained to XXXX. I applied for mortgage assistance, they denied and said I can appeal their decision. I followed the steps and appealed they ignored it and haven't responded in 3 weeks nor acknowledge receipt of the letter. 

I am still unable to submit a payment online and now my missed payment is XXXX dollars. Had I been afforded the opportunity pay what I could it would not be this huge amount. Nor would I have lost my job because of the multiple calls back to back from strangers they gave my cell phone number to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$840.00} to XXXX XXXX/XXXX XXXX. This debt is NOT mine as I've never had a XXXX XXXX/XXXX XXXX. I've attached the letter they sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I paid the last payment of the loan. On or about XX/XX/XXXX I received another statement that read that I owed {$8.00} because the payment received was not deposited before or on XX/XX/XXXX therefore interest owed was {$8.00} which was due XX/XX/XXXX. I paid the requested amount of {$8.00} on XX/XX/XXXX. The loan Co. did placed the payment for XX/XX/XXXX and did not credited it for XX/XX/XXXX. The Company has now billed me for XXXX, XXXX, XXXX for last charges of {$34.00} and it has increased to over 69.. In addition to those chargesI have being charged {$220.00} for recording fees. All of the charges combined are {$290.00} and they are growing. They have not cooperated, they wrongfully and correctly placed information on my Credit report. I spoke with five or more representatives of Specialized Loan Servicing with no positive results. The recording fees are the highest I have seen and in my opinion are a form of retaliation for my lack of knowlegde about not requesting a Pay Off amount. The Rep. Said that was my only oversight and that she sees not last payments and no balance to accrue late fees. I would like my Credit Report CORRECTED and A LETTER OF THAT THE DEBT HAS BEEN PAID IN FULL. THIS IS THE SECOND TIME I HAVE HAD TO FILLED A COMPLAINT AGAINST THIS COMPANY FOR THEIR INPUTTING ERRORS. PLEASE CHECK.

I have an complaint # XXXX-XXXX, filed on XX/XX/XXXX. I WAS UNABLE TO UPLOAD DOCUMENTS TO SUPPORTS MY COMPLAINT THAT THE REASON FOR THE SECOND COMPLAINT. THE COMPANY KEEPS SENDING LATE FEES BILLS. MY DOCUMENTS WILL PROVE I HAVE PAID IN FULL.

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 2019-10-27 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: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
My husband and I purchased a truck and camper trailer from John Gibson Auto sales in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called John Gibson Auto and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with John Gibson auto at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with XXXX. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to John Gibson Auto again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with John Gibson Auto, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by John Gibson Auto they are a buy here pay here auto sales. John Gibson and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with XXXX on XX/XX/XXXX so the issues could be disputed once again. I called John Gibson Auto on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.

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 2019-10-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-27 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation
State: CT

Complaint narrative:
The Deville Mgt company is charging me for a debt that was closed XX/XX/2015. I received paid in full from XXXX and it showed up 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-27 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: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
The XXXX XXXX company is charging me for a debt that was closed XX/XX/2015. I received paid in full from Lincoln and it showed up 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-27 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
ONEMAIN had made a hard inquiry on my credit report, send a dispute letter to immediately removed this inquiry from my credit report through XXXX. I haven`t sign any documentation that proves that I have any connection with them. They refuse to do so, impacting my credit report seriously bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Around a week ago So XX/XX/19 received a notice my businesss account was closed due to risk even though I didnt do anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called Capital One to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and XXXX that an item on my report status has changed. Capital One had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.

Company response to consumer: Closed with non-monetary relief