vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 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: ID

Complaint narrative:
I opened a new mortgage XX/XX/XXXX with XXXX XXXX. 

Experian reported I had two IDENTICAL mortgages, so I submitted a dispute on line with Experian. These two identical mortgages were correct on the loan details other than they were just duplicated Experian researched the dispute and removed the duplicate mortgage. However, the remaining mortgage shown had two large errors. Although the mortgage was opened on XX/XX/XXXX, Experian was showing I had late payments made in XXXX and XXXX, XXXX. My mortgage wasnt even open at that point. The second error showed my mortgage balance at {$250000.00} even though the original loan amount was {$200000.00}. 

I filed a second dispute on XX/XX/XXXX to have the two errors listed above corrected. In filing the dispute, the Experian rep agreed that the information did not make sense at all. 

On XX/XX/XXXX, I called Experian to find out the status of my dispute. My credit score had dropped from Exceptional to Good and I was starting to apply for some minor things ( new home setup with internet provider, TV service, etc ) that were going to require a credit check. The Experian Rep told me they were still awaiting information from my mortgage company to resolve the dispute I filed on XX/XX/XXXX. 

I received notice via email from Experian on XX/XX/XXXX that my XX/XX/XXXX dispute was resolved. In looking at my account with Experian on XX/XX/XXXX, my credit report still showed that I missed two payments on my mortgage and the balance was still at {$250000.00}. 
I also was shown two alerts in my Experian account that " Your original dispute was modified by an Experian Disputes Specialist. If you have provided relevant supporting documentation, you will be notified when a new dispute is opened in light of the additional information you provided. '' AND " The dispute for the account with XXXX, XXXX XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX ''. 

On XX/XX/XXXX, after receiving these alerts I called Experian. The rep indicated that he now had documents from that they received showing the balance correct but needed to open up another dispute to get it corrected and that it would not be corrected until XX/XX/XXXX. 

Also, during this entire time, my mortgage company was reporting to me the correct mortgage balance and that I did not have any late payments. Nor did either of the other two credit reporting bureaus show these errors.

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 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: OK

Complaint narrative:
i received payment of {$2400.00} total from few colleagues of mine on XXXX XXXX on my venmo account, i was able to transfer the payment to my bank account but about 30 min later i received a message saying my account was frozen that i need to upload some of my document which i did but my money got moved out of that venmo account but it was not reflecting because venmo froze the transaction and the money.after uploading my document i was expecting my account to be unfrozen and my bank transfer of {$2400.00} gone through to my account but nothing was showing and my venmo account still frozen and i try reaching them but nobody was answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
i have contacted this company numerous times trying to resolve this matter. 
i sent them a validation letter XX/XX/XXXX which they never responded. 
then i sent another letter to them XX/XX/XXXX and the responded with nothing an account number, address and original creditor information, i wrote back requesting the original contract from the creditor, i contacted them to day XX/XX/XXXX and they mailed a bill not a contract. 

The account they are alleging i owe has inconsistent dates opened last activity and being a third party collection agency, I would like them to provide me with an original contract bearing my names, signatures and any identification obtained such as drivers license, state ID with clear dates

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Long history! XXXX XXXX sold my mortgage to LoanCare, why I do not know. Our first recurring payment with LoanCare started XX/XX/XXXX. What a nightmare, theyre driving insane. The problem started XX/XX/XXXX when I sent them a check for {$25000.00} to be credited to the principal, I have done this before, it wasnt a problem then LoanCare took my monthly payment of {$2100.00} and deducted from the {$25000.00}, when the monthly payments are recurring payments. Since then LoanCare havent stop doing the recurrence payment to my bank. I really do not trust them I have tried for them to fix their mistake. Instead, I get numerous recording messages that Im behind in my mortgage + the late fee. XX/XX/XXXX sent a certified letter with history attachments to the corporate office As of today XXXX havent heard a thing. Plus I enclosed two checks for {$2100.00} each to pay for whatever they are claiming were behind, except for a late payment. I beg them to let me know how to set up my monthly payments. I just find out that LoanCare has reported to the credit bureau that we are on default of our loan, our credit report went down from XXXX to XXXX. I would like to hire a lawyer, but that will be extra spending that we dont want to incurred from the poor administration/record keeping of LoanCare. As I mentioned before I have talked to a supervisor on LoanCare, Mrs. XXXX, who pretended she didnt know what I was talking about very unhappy, and rude! I need advice/help what should I do next?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
on XX/XX/20 I sent Experian a letter to remove an extremely old address off my credit profile. I sent a letter requesting this action, I sent a copy of my drivers license, social security card, car insurance bill, cable bill, date of birth and address. 
the address that I request to have removed is still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
on XX/XX/2020, CREDIT COLLECTION SERVICE added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
In XXXX I started an application with Amerisave to refinance my home mortgage. Since then, the entire process has been a nightmare. 
Right off the bat, the sales representative made a mistake on my online application and I se two applications started for me ( # XXXX and # XXXX ). I don't know if my SSN was ran twice, and the representative couldn't tell. Then, I was quoted some closing cost of about XXXX , which I agreed on. 
After this, I uploaded all the docs that I were requested and this sales representative told me that on XX/XX/XXXX the notary would have come at XXXX for signing. XXXX XXXX came and went, and when I reached out to the sales representative, he stopped answering. A processor from the company got involved and asked for more docs, which I provided, and quoted me for XXXX $ in closing costs, which made me rethink all this process but eventually I agreed. 
Then I started receiving more emails from this processor asking for docs to be wet signed ( which were already ), and when I tried to reached out to her via email and via phone, I never got an answer. I reached out to the manager and the first salesman called me saying that we were almost done with the process. 
Then I started receiving more emails asking for more docs ( same docs as before ), and a third processor got involved, writing me that she was now the processor and that we needed more docs. At this point ( and we are talking about XXXX XXXX ), I asked to withdraw my application due to the impossibility for me to keep up with this company. 
I am writing this complaint because : 1 ) I want the {$500.00} that they charged me for an assessment back ( which the third processor agreed to refund but never followed up ) 2 ) Get reimbursed for all the time that I spent asking for clarification or that I had to use to write emails or calls that were left unanswered. 
Amerisave is a disgrace and has let me down and costed me time and money

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 2020-12-30 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
on XX/XX/2020, PORTFOLIO RECOVERY added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Coastal Credit, LLC
State: CA

Complaint narrative:
I incurred debt with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I made payments until i fell on hard times in XX/XX/XXXX. XXXX XXXX contacted me up until XX/XX/XXXX in regards to collection but stopped after that. My debt was apparently sold to a company out of Georgia called XXXX XXXX who started to call me on XX/XX/XXXX. I told them i would have to research the loan as they were very unwilling to give me any info except they kept telling me they were going to file fraud charges against me. After I did some research and before I had a chance to call them back they contacted my son and threatened him that they were going to file fraud charges against me. He notified me and I called them and told them they cant talk to my relatives about my debt according to the Fair Debt Collection act. They didnt care. And in turn threatened me with 3 charges for 1 debt. I also informed them that California has a statue of limitations regarding collection of debt which had expired. He was clueless regarding that statute. This was a very frustrating experience as they wouldn't let me talk and would talk over me all the time with threats. I offered to pay a portion just out of good faith but they said all or nothing so I said we will see you in court.. Horrible experience

Company response to consumer: Untimely response
Consumer complaint received 2020-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MD

Complaint narrative:
To whom it may concern ; I recently took out a loan from my equity of my house and use it to payoff my student loans. The title company got cashier 's check in my name and sent to XXXX ; however, due to an automatic payment that was drafted out of my bank account before I could cancel, the pay off amount to XXXX was more than the current balance owed. I've since contacted them on several occasions, spoke to at least 3 representative to inquire about my refund. They kept telling me that a refund was issued to a XXXX XXXX XXXX, which I don't even know how to track down to get my refund back. A cashier 's check was made in my name payable to XXXX and I want them to issue my refund. The amount owed to me is {$110.00} and I have been unsuccessful of trying get my refund back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020, CONVERGENT OUTSOURCING added a derogatory mark on my credit report per XXXX XXXX. Upon further research, I am not responsible for this account. The creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send in a bill and say it is mine. According to the FCRA, CONVERGENT OUTSOURCING has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I left USA to take care of my sick family member in XX/XX/XXXX. I left money in my bank account for my past depts monthly payments. I came to USA for only 6 months to settle my student loan payments in XX/XX/XXXX. During this time I stayed 3 months in a hotel, 2 months in a friends apartment, 1 month an other friends ' apartment in a different city. I found out when I was not in the US my SSN had been used by someone and I reported to FTC and had Identity Theft case number available if needed. 
Soon after reporting, I left USA again in XXXX XXXX for 4 and a half years, returned in XX/XX/XXXX. XXXX. After a short time coming back I started to receive haresing phone calls, treathful words via phone from all around the country. I explained in each calls I was not in the country, the dates they were telling me that I was not in the US. 3 of 4 different companies stopped calling me but one escalated their temper toward me.They claim that, I had lived in a place and did not pay rent which was not possible a person in a 2-3 different address in a same time period. Now days, I am receiving not only haresing calls also bills mail to me. They even told me coming to my address and put me in jail in front of my children. This is too much for me to handle by kindness and smooth attitude. I can prove with my passport that I was not in the US. 
Someone did empty my bank account used my SSN, put me in a place to deal these terrible collection companies. Also there are 5 other phone numbers under my name that I did not use, and addresses I did not live in my credit report ... .It is frustrating. The bills does not even explain what is the dept for. It has been too long and apparently will not end without a legal action. Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is currently violating FCRA by reporting inaccurate and false data on my credit report. None of the account numbers match any documents from Department of EducationXXXX XXXX XXXX. There are XXXX different account numbers on Department of education correspondence, however none of them math what is being reported on my Equifax credit file. I disputed this directly with Equifax and they did not respond wiith in 45 days on my request, however Equifax drop my score XXXX points without cause since my dispute request. i have requested from XXXX via XXXX certified mail to remove these inaccurate i from my.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I feel bluntly ignored by the bureaus I sent out certified mail to them on XXXX and to this date 60 days later today on XXXX I have not received a response pertaining the disputes that are unverified and misleading and that was placed onto my account without knowing 100 % if it actually belongs to me. I found out that my information was impacted by the XXXX data breach so my information could have landed in the wrong hands. I demand these accounts listed be deleted. 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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I refinanced my loan on XX/XX/2020. Bank Of American received the wire transfer on XX/XX/2020. They never applied it to my mortgage. I received an email on XX/XX/XXXX saying my XXXX payment was late and I now had a late fee. I called and they told me that I needed to call my Title company to get the wire transfer information I did that and called Bank of American again on Monday XX/XX/XXXX. I was on hold with them for over 2 hours I finally got a lady who after putting her on a conference call with my Title company said she found the wire transfer and that it would be taken care of within 3 business days. That didn't happen. I called again on Tuesday XX/XX/XXXX and after being hung up on twice and on hold for over an hour I was finally told that they weren't sure what happened the ticket was closed but my loan wasn't paid off. I was told that their manager would escalate this and contact me within 24 hours and I never heard anything. I received another email telling me I needed to make my XXXX payment so I called again and was on hold for over 2 hours and was told no one could help me. I was concerned about it dinging my credit since I have never been late on a payment before and was told by one lady that to resolve that I could make my XXXX payment and then hope this is resolved in XXXX. I do not know what else to do.

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 monetary relief
Consumer complaint received 2020-12-30 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:
I'm assuming that you either didnt receive my letter I mailed on XXXX or your just ignoring me, because I clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, your website states to dispute by mail. At this point, I really need to see something that proves there was independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items that are inaccurate deleted since you are in violation with it being over 60 days with no response. My information was impacted by data breach so it is possible my information landed in the wrong hands.

Company response to consumer: Closed with explanation