vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I have been in communication with Community Loan servicing trying to get the servicing department to correct the escrow amounts. I have documented the discrepancies and they continue to overlook and make correct justifications. They have increased my monthly payment by increasing the escrow amounts due to the point where it may create a hardship. I have shared with them the documentation of many of the incorrect amounts with no avail. They sent an escrow refund check of $ XXXX see documentation for the insurance and real estate taxes, which has caused the escrow to be off balance as well as pay the professional liability insurance of {$2000.00} and the property insurance, $ XXXX a total of $ XXXX-see page XXXX of the analysis dated XX/XX/21 as well as page XXXXthe letter generated by XXXX XXXX . On XXXX, I received communication stating my loan has been transferred- see page XXXX. The lender placed insurance amount is also overstated. The annual premium they told me is XXXX. They have it listed monthly on the analysis dated XXXX, see page XXXX. All I asked was to correct the escrows. Now I have statements saying I am late- see pages 2 and 6.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: FL

Complaint narrative:
Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Two credit accounts with the XXXX XXXX XXXX XXXX, referred as XXXX from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

XXXX continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the XXXX credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with XXXX, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.

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 2021-07-01 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: NY

Complaint narrative:
XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/30 I contacted Convergent Outsourcing to resolve the debt I have with them. The agent informed me that my debt with them was inactive he was not able to access anymore information about my account. I questioned how could you not have any information about my account but report negative on my credit report. The agent transferred to XXXX, XXXX stated that there is nothing they can do because the debt was purchased by Convergent. This company who states that my debt with them is inactive has been reporting on my credit for the past 6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was approved by XXXX for a PPP loan in the amount of {$20000.00} on XX/XX/2021. I opened an account with Capital One Bank to have funds deposited into because my primary bank did not accept deposits of more than {$15000.00}. On XX/XX/2021 the money from the lender was deposited into my account and was fully available. I began making transactions and went to go withdraw some money from my account through Capital One Bank drive through at the XXXX XXXX. branch in XXXX, Louisiana. The employee told me to hold on and when she returned she began asking personal questions about my business because she saw that I had got a PPP deposit into my personal checking account. I told her that the documentation that she was requesting I would have to come inside and give to her I didn't have it right on the spot. I also felt that the personal information that she was asking me was none of the banks business because It was my money that the SBA already approved. The bank immediately froze my account and didn't tell me why. I had to call the Personal Protection line at Capital one to find out they started a fraudulent case against me. I am a sole-proprietor and everything was legit on my end. I submitted Schedule-C and promissory note from documentation to Capital one that my lender has and they keep requesting more documents. I told them that I will not be sending more documentation to them because I got the loan through my lender and not Capital one. Also the PPP loan is in my name and I am obligated to pay the money back and right now I don't even have access to the money. Almost 2 months have gone buy and no resolution has came from the bank. I call in every day to get and update and also have went to branches to have them call in to get a status update on my case and they keep telling me there is no time frame on this. I really need my money to function and at this point it is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Negative items that has XXXX balance and was closed out is still in my credit report after I received letters stating that the items was removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX has been trying to collect a debt owed from Me when I do not own not have I ever owned any cats

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Collection is not from orginal creditor. I donot owe Waypoint. I have never heard of Waypoint Resource Group. I never did a contract with them. I have never done any buisness with this company.I have sent them 3 letters certified to validate that I have done any business with them with signature, they have refused to respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MI

Complaint narrative:
I've tried opening a case using another email address that I've opened an account with. I received a response that PayPal would not reinstate my account because I have another closed account where I went against terms of service and engaged in risky behaviors. This complaint is regarding my original PayPal account, XXXX. 

Like I said earlier, I only buy and sell sports cards on this account and do not engage in any risky behavior. I would appreciate if PayPal was clearer about what risky behavior I engage in, as I have only legal transactions where goods or services were being transacted. 

Furthermore, when on call with a PayPal employee, I was accused in engaging in activity such as selling drugs, alcohol, illegal paraphernalia. This is defamation, and I can not believe that PayPal would allow their employees to accuse clients of this without any basis whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: MS

Complaint narrative:
XXXX Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from 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 2021-07-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Two credit accounts with the Navy Federal Credit Union, referred as NFCU from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. 

Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. 

NFCU continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. 

All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with NFCU, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. 

This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX of this year, after unsuccessfully trying to contact the vendor, I called Chase to dispute charges for automobile service that turned out to be fraudulent. I was told that I would receive a request for information. When after more than a week, I had not received the request, I called again, and was told a request had been mailed earlier ( I had not received it ) but not to worry, another request was on its way. In response to that second letter, i sent documentation to Chase by uploading on its website. Chase then closed the dispute saying it hadn't received additional information. I called again and was told that the notwithstanding instructions in its letter, I had to mail or fax the information, not upload. So, Chase told me it reopened the dispute and I faxed some information in. Chase then denied the claim, saying in a letter that a significant amoiunt of time had passed, even though the reason so much time had passed was because Chase had mislead me about its process and how to submit information. So I called again, and was told that the denial of the dispute was because of information the vendor had sent in, not the passage of time. I responded that I had not been given an opportunity to respond, and asked for the information, and Chase then sent it to me. I then called Chase again to ask for an opportunity to dipsute the information provided, and i spoke to a supervisor who then told me that in her iew Chase had mishandled and mischaracterized the dispute and that she would send the claim for review with her recommendation that Chase credit the disputed amount to me because of the mishandling. She also said I should wait for about 15 business days to see what happens. I received no further information, so I called today and was told the review was denied almost a month ago, and Chase had no obligation to notify me about this. The dispute inovlves a vendor who misrepresented the type of parts to be used and then installed the parts incorrectly. This all is explained in the correspondence that is attached with all the dates etc. Chase has not processed this matter or dealt with me in good faitih but has deliberately tried to discourage me from exercising my legal and contract rights. The vendor 's response to Chase contains a number of falsehoods, but Chase has not provided me with an opportunity to respond. Chase claims that some time periods may have expired, but that was not what I was told in my first call in XXXX. And, Chase has waived any right to make those cliams by accepting and processing the dispute. Chase has an obligation to do so in good faith, which it has not done. Please see all the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
On XX/XX/2021 they received on the letter on XX/XX/2021 regarding inaccurate and unknown thing reporting on my credit report, To this day I have not received a response yet. I feel like I am being taken advantage of as a consumer with my rights and ignored. Section 611 ( a ), it is plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove those items within 30 days. They should have been deleted promptly. I sent a second letter on XX/XX/2021 they received it on XXXX demand this account be deleted immediately and sent them proof of the credit report agency reporting inaccuracy so therefore this was not properly verified, the Credit Reporting Act requires that inaccurate information be properly removed. or I will file litigation due to the stress you have caused me. Everytime I call TransUnion they tell me a different date that it was received. I mailed them a second letter asking a again to delete this unverified account. I spoke with XXXX XXXX on XX/XX/2021 with transunion he stated that the investigation is still pending, it has been over 30 days the certified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was in XXXX on XX/XX/XXXX while at XXXX XXXX when I logged into public wifi to download an app for Music for the ride home. While driving back I received an email from what I thought was XXXX that stated the XXXX subscription was for a full year and it was going to charge my account. When i called the number provide the representative provide XXXX Id and Budge information as if they where really from XXXX, and advised that my apple ID has been compromised. This is when my account was access and XXXX was withdrawn on XX/XX/XXXX twice and another XXXX was withdrawn on XX/XX/XXXX from my chase bank account through XXXX, when filing the claim through chase they advised this was a scam. They told me to contact XXXX. XXXX ' only provided an automated system that pointed me back to chase bank and they were closing the claim and not refunding my money nor were stopping any fees attached to my account. Now I am getting phone calls four to five times a day about my account being over drawn when I am the victim. My fraud protection isn't protecting me from this at all. and Now I am worry about my Identity being taken as i don't know what else these people where able to gain access to. I have filed a police report and this activity is under criminals investigation and chase still will not open the claim and refund my money and remove the fees for the overdrafts. the police report intake form can be attached. I have talked to several in person branch and online over the phone managers and supervisors who give me the same generic answer of they will not reopen the claim. No one will help me and I don't know what else to do but this is placing serious deep anxiety on me and I hope to hear from some one soon. I have name and date of the supervisors i spoke with and the detectives information also.

Company response to consumer: Closed with monetary relief