vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
In XXXX of this year LoanCare LLC took over the servicing of my mortgage after the bankruptcy of XXXX. The first statement from LoanCare showed an additional {$12.00} added to the amount I was supposed to pay and categorized as " Total Fees and Charges ''. There was no explanation as to what these fees were for. The amount continued to show up on successive statements. I continued to pay the mortgage amount that XXXX 's final statement indicated. 

On XX/XX/XXXX of this year I sent a letter to the customer service address indicated on the back of the statements. I have not received a response to this day nor has there been any effort on LoanCare 's part to resolve this issue. 

It was not my choice to have this company service my account. I had no choice in the matter. I feel that they are not honoring their commitments and are not dealing fairly. I think it's likely they are doing the same thing to other XXXX customers that had this situation thrust upon 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 explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
i requested a verification of debt from scott and associates. They sent in regular mail with bill of sale, acquisitions of accounts, including 48 social security numbers other people information on their interest owed and how much they have to pay as well. No attorney wants to touch i have went through two. they said i did not have any standing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Account was frozen because of fraudulent activity. I filed a claim and was told the funds would be available to transfer or withdraw while we wait on the investigation. Once funds were available I continued to call and get sent to different departments only to tell me we could not remove the funds. Another claim was made because the investigation is causing a financial burden and then I was told I was denied. It has been a month since the investigation claim has been made and we still can not access the funds that are deposited to the account. It is causing a significant financial burden on myself and my family.

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 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ] .I did not open or authorize this account, therefore request that it be REMOVED 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 2019-09-23 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: CA

Complaint narrative:
Equifax, the bureau who appears to be out of business ( undergoing maintenance for 5 days as of this writing ) has continuously " verified " a fraudulent loan account, a loan that was created fraudulently without my assistance or knowledge.I HAVE ATTACHED AND INCLUDED MY CALIFORNIA DRIVERS LICENSE WITH VERIFIABLE SIGNATURE. 
WHATEVER SIGNATURE THE CREDITOR HAS ON LOAN DOCUMENTS DOES NOT MATCH MY SIGNATURE BECAUSE THE CREDITORS LOAN DOCUMENTS ARE FRAUDULENT. 
The account is US DEPT OF EDUCATION/XXXX # XXXXXXXX AND XXXX   HAVE BLOCKED, SUPPRESSED OR DELETED THIS ACCOUNT LONG AGO. 
EQUIFAX, THE CONFUSED INCOMPETENT BUREAU IS TODAY PREVENTING ME FROM PURCHASING A CAR AND A HOME BY THEIR PHONY NON -STOP " VERIFICATIONS '' OF THIS FRAUDULENT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
We have tried for years to get Shellpoint to work with us it got so bad that we filed Bankruptcy in XXXX cause we didnt know what to do then we tried to modify the loan but they want us to pay over XXXX a month which is way to much. Last year in XX/XX/XXXX we signed a deed in Leiu of foreclouse I was told they would settle with the second mortage for XXXX which was never done. We received a letter from an attorney for the second mortage. All of this should have been taken care of and nothing was done. when I called Shellpoint they said the Deed In leui was not longer valid cause they couldn't get in touch with second mortage which we we were never notified of any of this. They show we owe XXXX which is XXXX over what we paid for the house kinda scary. I beleive they charging all kind of fees for paperwork and deed in leui and foreclosure process and other fees but they not doing anything the house is falling apart.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I have two PayPal accounts, one personal and one for a small business of mine. Both are under my name and with the same Social Security Number. 

On XX/XX/XXXX, I transferred {$1200.00} from my personal to my small business account and PayPal decided to hold my funds, transferred to myself, for 72 hours pending verification. I attach copy of the pending status of this transaction seen from my two Paypal accounts : I as a sender and I ( through my small company XXXX ) as the receiver. 

I have been a stellar customer with a XXXX perfect credit score for almost a decade, since the beginning of PayPal. 

I called their awful customer service. I was made to wait several times, until I decided to ask for a call back. When I finally got the call back, instead of connecting me immediately, I was made to wait another 15 minutes. A very rude Limitations Specialist that identified herself only as XXXX ( calling from ( XXXX ) XXXX ) and refused to transfer me to a supervisor, said that she was the only person I could talk to and basically go fly a kite. 

I'm furious that this company can basically take my money and do whatever they want with it for the time they decide. This should not be allowed. There is no basis whatsoever for they placing a temporary hold on transfers between my accounts and they are creating a potential risk to my small business by not having the balance immediately available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 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: FL

Complaint narrative:
XXXX is showing that I have a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : XXXX ( XXXX ) XXXX - XXXX.The mortgage does not belong to me, I never applied for it or never enjoyed it, furthermore, I was living at the time overseas. According to the report, the account was opened on XX/XX/XXXX. The original mortgage amount was for {$29000.00} and the remaining balance is for {$25000.00}. The mortgage amount is {$500.00} and has been paid ( struggling ) monthly by someone, but stopped payments altogether in XX/XX/XXXX. After I have tried before to calling to XXXX  and XXXX to try to get the issue resolved but I have been unable and got as response that " after they investigation they concluded that the debt was mine ''. It was impossible to get it resolved. 

Recently I was able to pay a visit ( had to go in person ) to the address before described ( XXXX XXXX XXXX ) given that I was unable to get it resolved by phone or email and was promised that they were going to investigate the issue. A week later I got the following answer from XXXX XXXX XXXX : '' Thank you for contacting XXXX XXXX XXXX Financial Services Department. Pursuant to your request, we have concluded he investigation, XXXX XXXX XXXX does not have your information on our records. Management recommends that you reach out directly to Experian and XXXX and process a dispute of the information they are reporting ''. 

I would like to have the wrong information deleted from my report as it does not belong to me and it creating a lot of stress and it is not allowing me to buy a car or a house with a decent score.

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 2019-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ].

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party residential mortgage services provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX  was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.

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 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: MN

Complaint narrative:
Diverseified they keep calling me and harassing me with the repeated calls trying to keep me on the phone to say the debt is mine its gettin outta of hand I told them to send me something that got something with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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:
When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.

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 2019-09-23 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Comerica
State: KY

Complaint narrative:
US Direct Express is the most dysfunctional organization I've encountered. I have tried to make a money transfer twice. I have a confirmation number. After three weeks, the transfer has not been received but, the money was deducted from my account. Every time we tried to contact someone at US Direct Express the recording said they were too busy and to call back at a later date. That happened numerous times. We could never get through to a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
Some one open an account with information that was stolen. Experian was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains

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 2019-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX issued a credit card to someone using my name and SS # and is on my credit report. I have contacted XXXX and reported this as well as Exprian. I believe my SS number may be comprimised. 
I have no documents or any correspondense of this matter

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 2019-09-23 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: DISCOVER BANK
State: CA

Complaint narrative:
Some one open an account with information that was stolen. XXXX   was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

Specialized Loan Servicing, LLC ( " SLS '' ) is a third party residential mortgage services provider. SLS serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan SLS was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, SLS reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because SLS reported a late payment AFTER the loan had been paid off. Then, SLS reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, SLS has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

SLS is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.

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 2019-09-23 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: FL

Complaint narrative:
Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 
XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party XXXX XXXX XXXX provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX was servicing. 

This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX  has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

Submitted with this complaint are copies of my current credit report from all three credit reporting bureaus. XXXX does not show the late payment -- XXXX and Equifax both show the incorrect information about XXXX. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off, in its entirety, in XX/XX/2007.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: GA

Complaint narrative:
When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.

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 2019-09-23 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: GA

Complaint narrative:
When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.

Company response to consumer: Closed with explanation