vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Shea Mortgage Inc.
State: VA

Complaint narrative:
We sold our home and because of the new regulations we had to rent numerous storage units and find temporary housing rather than being able to do simultaneous closings as we have done for the past 40+ years! We have incurred XXXX dollars in incremental, unnecessary costs as a result of the new regulations that also require the mortgage companies document that the monies from the sale have POSTED, not be pending before they will send the new home purchase docs to underwriting. Add to this the additional days to review documents that take literally minutes to review and if an error is found the timer starts all over again! Today is XXXX XXXX and we are in day 12 of our limbo situation with no line of sight into a closing date. There was additional delays on the sale of our home as a result of the same regulations which added to our storage costs. Who is regulating these regulations and calculating the incremental XXXX dollars it is costing consumers to store their property and find alternative living arrangements? THIS IS NOT THE FAULT OF THE MORTGAGE COMPANY NOR THE TITLE COMPANIES, THIS IS A REGULATORY ISSUE! Also note, the address I am REQUIRED to provide in this complaint is my INTENDED address as I have no REAL mailing address as a result of these regulations! I am effectively HOMELESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, at XXXX PST somebody wire the Amount of {$16000.00} to a XXXX XXXX XXXX Account endi ng on XXXX ( I do not have the full Account Number only XXXX Last Digits ) from my Paypal Account without my Authoriz ation. This is Grand Theft I have contacted Paypal on several occasions, starting on XXXX XXXX, XXXX, then XXXX, then XXXX XXXX and the y said there is no issue and they do not want to help me. They always said somebody is going to help me but nobo dy contact me. 
I went to XXXX XXXX XXXX, to verify and they are willing to help me if I give them the complete Account Number wh ere the money was wire to so they can trace who it belongs to, the manager of XXXX XXXX XXXX contacted PayPal, a nd they did not want to help. They said I need a subpoena. 
I filed a Police Report. 
I do not know what to do since Paypal does not want to help me find out who stole my Money. I need to get the co mplete XXXX XXXX XXXX number so XXXX XXXX XXXX can trace the wire. 
I requested Paypal to give me the IP of the Transaction but they do not want to help me, I am sure that if we find o ut the IP we can trace who got into my Paypal Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I filed bankruptcy and it was discharged in XXXX 2015. IC System Inc is still showing as an open collection account on my credit report with no balance or account number on it. Remarks are Bankruptcy chapter XXXX, bankruptcy discharged.

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 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: GA

Complaint narrative:
Informed by XXXX that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by XXXX that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. XXXX also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. XXXX letter provided a number and address of SETERUS and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. XXXX says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Equifax to delete the account asap.

Company response to consumer: Closed
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX ( case # XXXX ) and XXXX XXXX, XXXX ( case # XXXX ), I filed to disputes the {$250.00} collection on my credit report by XXXX which located at XXXX, PA. ON XXXX XXXX, XXXX, which I checked my credit report for status, I noticed now, there are XXXX collections and they are duplicated reports for the same amount and the same dates on my credit reported for collections ( now, for XXXX x {$250.00} ). I called the Equifax to inform them for duplicated report error, They told me nothing they can do for me, I have a choice to open another dispute case which I did. The new dispute number is XXXX. Not only they did not put effort to resolve my disputes, they made my credit report worth than it was originally. The XXXX removed the report on my credit report on XXXX XXXX entirely.. It is very clear, it is their mistake. I need to remove the collection report entirely and the report by XXXX is not valid. Which I explained on my separate dispute regarding collection agency. 
The Equifax representative were extremely pushy and anxious to sell their service to me, which I refuse to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received my credit report XXXX XXXX, 2015. Prior to me receiving my credit report I was told that my information needed to be updated on my report. While doing that everything seemed okay i was asked if i wanted a report and I said yes. When I received my report there were XXXX collection companies from XXXX different medical companies stating unpaid bills. XXXX of the bills are {$90.00} and the other XXXX are {$35.00} and {$36.00}. All of the bills are coming from cities that I do not live in and from medical centers that I have never been to let alone heard of. I would like for these collection bills to be taken off from credit report because they are not mine and are currently holding me back from doing many things. I am not sure if while updating information something was put in incorrectly and that is why these bills are on my report I just would like them taken off. They have created a negative effect on my credit report and credit score and I would like them removed because they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I purchased a home through Habitat for Humanity low income program in XXXX. The mortgage is serviced by XXXX Mortgage. I fell behind many times and have be able to catch up even filing bankruptcy in XXXX. I have not been able to resolve the fees charged by XXXX of XXXX to XXXX monthly starting XXXX. My mortgage is XXXX and I make XXXX an hour. I got a lawyer to help navigate in XXXX after not being able to catch up with a balance the added XXXX each year in fees. Habitat has not enforced their contract of XXXX late fee on a interest free loan. Its been in limbo and I have stopped paying money that never is applied to loan. I have XXXX XXXX XXXX assisting me to reduce the stress. I am XXXX years old. XXXX is stating about XXXX owed that accumulated since XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I 've had way too many inquiries put on my credit report. After time and time the finance manager at the dealerships told me sending it out to all banks would only count as XXXX inquiry but they lied about that. Next, I have like XXXX plus inquiries on my report. I disputed them with all bureaus and it still came back saying this information is correct, which it is n't. I want the inquiries removed. I now ca n't get anything due to having too many of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
was contacted by collection agency proved debt had nothing to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the XXXX XXXX XXXX board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a XXXX party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a XXXX party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Over XXXX towns and goverment on my documents and home contents and also using computers and deniged me credit and loans and keep my stuff messed up and also with scams and land developments ect..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I wante to pay on mywasher and dryer, i was told that my acct, was closed i ask why then i was told that i had filed chapter XXXX, I said know way i 've never filed chapter XXXX in my life. What should i do about this? So i do n't know wh did this. It was'nt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a so called " Personal Service Loan '' with XXXX. It was opened in XX/XX/XXXX. In XX/XX/XXXX, my relationship with XXXX was terminated and my accounts, including this loan, were closed. For the first few months after account closure, I was not receiving statements. I do now receive statements, but often times weeks after the date the statements indicate they were mailed. 

At that time, XXXX was incorrectly listing my account as a revolving credit line. Sometime around XX/XX/XXXX, I disputed it with Equifax. Equifax completed the dispute and reclassified it as an installment loan ( see attached credit report dated XX/XX/XXXX ). Up until today, XX/XX/XXXX, this account was always classified as a CLOSED installment account. When I checked my report today, much to my surprise this account is now listed as an OPENED revolving account with a XXXX late notation. Not only is this account misclassified, something that was initially changed through dispute procedure has been changed without informing me of this change, a violation of FCRA. 

In addition, this account has never been XXXX+ days past due. The minimum payment due on this CLOSED account is {$550.00}. On XX/XX/XXXX, there was a payment made in the amount of {$600.00} -- {$45.00} more than required. In order for that payment to have been deemed late, it would have had to be received after XX/XX/XXXX. 

On XX/XX/XXXX, I made a payment of {$500.00}. Together with the overpayment from XX/XX/XXXX, the total payment made was {$540.00}, which is more than the {$520.00} that was due for that period. However, XXXX is now indicating that my account is {$20.00} past due more than XXXX days. That is not the case. I would never allow a negative entry to be made on my credit report over such a miniscule amount like {$20.00}. Also, I would point out that the payment key on the account indicates as current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I received notice from mortgage company ( Seterus , Inc . ) advising a late charge fee of {$90.00} was assessed on my account for XXXX 2015 payment. However payment was paid online within time constraints and was not late. I called customer service and was advised to submit in writing request to reverse late fee. I sent by fax and mail on XXXX XXXX, 2015. On XXXX/XXXX/15 I received a letter from Seterus XXXX XXXX advising late fee assessed to my loan on XXXX XXXX, 2015 has been waived. On the statement dated XXXX/XXXX/15 the late charge of {$90.00} was billed and listed under the " activity since last statement. '' The following XXXX statements dated XXXX/XXXX/15 and XXXX/XXXX/15 does NOT reflect the late charge being reversed on my loan. Today I contacted Seterus, Inc customer service and spoke with XXXX XXXX and she consulted with her supervisor XXXX XXXX XXXX and they advised that the charges have been reversed as stated in their letter dated XXXX/XXXX/15. I requested proof that the fee had been reversed because it is not reflected on my account statements. I said if the late fee is charged to my account then the late fee should be listed/record as being credited back into my account under the " activity since last statement '' just like the fee charged on my account statement dtd XXXX/XXXX/15. She advised my letter was the proof. I said that there should be an accounting trail for the fee charged and credited. I filed a verbal complaint because proof of credit for late fee has not been provided and I believe the amount was only added to my loan total ( complaint will take up to 30 days for response. ) She also said she would send payment history and mail to me with XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I HAVE SUBMITTED SEVERAL DISPUTES TO EQUIFAX REGARDING ACCOUNTS THAT ARE NOT MINE AND REQUESTING THAT THEY PROVIDE ME WITH PHYSICAL PROOF THAT THE ACCOUNTS BELONG TO ME AND THEY HAVE FAILED TO DO SO SEVERAL TIMES AND THEREFORE I AM INTENDING TO SUE EQUIFAX FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT AND PROVIDING ME WITH PHYSICAL PROOF THE ACCOUNTS ON MY CREDIT REPORT BELONG TO ME. THIS IS MY LAST AND FINAL ATTEMPT BEFORE I SUE EQUIFAX.

Company response to consumer: Closed with explanation