vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX settled a lawsuit in which they were found to be participating in predatory lending. As a result of this lawsuit, it was determined XXXX had to pay off loans, pay restitution, as well as remove derogatory information from customers credit report. I filed my dispute with Equifax, sending all of the documentation, Equifax states the account is valid and is still owed by me, with a balance due of {$19000.00} yet I received a letter from XXXX, stating the account has been satisfied as of XX/XX//2020. I do not believe Equifax has even researched the information, nor have they updated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
American Education Services AES is the servicer for my lender XXXX XXXX XXXX 

I have requested a temporary deferment 3 times and each time no written response from the lender or servicer. 

I have had this loan since 2006 and never late. Although my account and credit report show a 1 time late about 10 years ago, this is not accurate because AES went from 60-day late reporting to 30 and failed to inform me! 

Also interest rates are at an all time low but my monthly payments have not gone down - they have gone up. AES said there is nothing they can do about it and I have to contact my lender directly BUT THERE IS NO PHONE NUMBER. I think a hedge fund is the lender, but there is no contact information AES can provide. However, I didn't need to contact my lender directly to raise my adjustable interest rate so why do I need to contact my lender directly to lower it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: NY

Complaint narrative:
I recently sent letters over 60 days ago to all 3 bureaus and they are ignoring my consumer disputes. It's stressing me out and I've been sending letters and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Reoccurring charge for {$15.00} to audible I did not authorize on XXXX and XXXX. PayPal is NOT available via phone at all. I reached out via chat and the only solution offered was to cancel my card. I am currently homeless so receiving mail is almost impossible if not difficult. What I wanted them to do was investigate the charges and validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: IL

Complaint narrative:
At XXXX am PayPal refunded me XXXX USD To my PayPal account saying that the person I tried to pay account was closed. By XXXX am one of PayPal employees assumed I did not notice and stole the money before I could get to it. I want it back immediately and would like to report it. I have attached a photograph of the email I received this morning and the balance 3 hours later when I logged in to check the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: DISCOVER BANK
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MI

Complaint narrative:
On XX/XX/XXXX I was reviewing my credit report and noticed that Experian had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus XXXX and XXXX  are XXXX pts more than Experian and they have all the correct information on them. Experian has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the XXXX XXXX XXXX  They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I was reviewing my credit report and noticed that XXXX had taken off good information on my credit report That resulted in taking my credit score down XXXX points. I called customer support and they told me that there was nothing they could do about it. well the next day they put everything back on my report and damaged it even more. My rights have been violated so heavily at this point I was denied credit for the emergency relief for COVID -19 and also caused me to have a XXXX XXXX I worked very hard to establish credit and I am very faithful at paying my bills on time.The other bureaus Equifax and XXXX are XXXX pts more than XXXX and they have all the correct information on them. XXXX has put accounts on my report that were taken off years ago and have them on there as open account and they are closed. This has caused me so much stress and havic. It is erroneous information that they have tried ro clean up due to my complaint with the better business bureau. They have really caused a big problem. I want my report corrected and the score that I deserve. The account put back as they should be and the information taken off that should be off. This is really time consuming, and costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2020 I requested in writing Bank of America to stop escrow on my mortgage. 
Its been over 60 days and They are still escrowing the account. I have heard nothing.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CO

Complaint narrative:
In the process of applying for a mortgage, the lender significantly interrupted my employment through urgent requests stemming from their own internal failures. 

Three days before closing, the lender called and sent three emails and two text messages within a 90-minute period urgently requesting a signature on a document that they had the ability to prepare at least two weeks earlier.

The lenders closing disclosure provided three business days before closing had errors totaling over {$10000.00}. I notified them of the errors the same day, but they did not provide a corrected version until closing. 

After closing began, they sent a third request for employment verification. 13 minutes after receiving the request for employment verification, the lender indicated that they had contacted an individual at my employer who they found on a public website. The individual contacted is not responsible for employment verification, nor are they authorized to provide the information. Furthermore, the lender was aware of the procedure my employer used to verify employment but did not offer me the opportunity to complete that procedure. 

The XXXX XXXX apologized for the errors multiple times throughout the process, but the repeated failures suggest ongoing systematic problems in lending in a manner that respects applicants time and employment situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
Since my identity theft that happened in XXXX '20 and shared with local police by raising a police report and also shared with FTC through identity theft report, I can not access/register myEquifax account and I suspect someone else has registered under my SSN and name. 

I have followed up several times over the phone and over the mail with Equifax with evidence of my identity, police report, FTC IDTHEFT report and proper email address and phone number that should be assigned to my profile, with no success. 

Other notes : I am able to access my credit file with XXXX and XXXX, yet Equifax is not helpful in making this change and allows unauthorized parties access and manipulate my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: OH

Complaint narrative:
Finally received a reply to my letter dated XXXX/XXXX/2020 from the debt collector. Attached is the certified letter I sent to LJ Ross requiring information under the FDCRA that I requested. They sent me only what they thought I needed and did not answer my requests. 

Therefore, this matter has not been resolved and NO solutions have been met, and places this debt still under investigation and needs to be removed from my credit report while being disputed. These debt collectors pray on people 's XXXX and who are not educated on the law and take advantage with their collection tactics. 

My next letter regarding this matter will be going to the Federal Trade Commission in Washington D.C.

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is a XXXX  XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a XXXX XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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:
There is a XXXX XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX

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 2020-09-10 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:
EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX XXXX XXXX. THE CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. 





I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal since XX/XX/2020 up until today XX/XX/2020 DISPUTING THE FRAUDULENT ACCOUNT XXXX/XXXX XXXXXXXX XXXX I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN  WRITING TO BLOCK XXXX/XXXX  XXXX   XXXX  FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 20 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. XXXXXXXX XXXXXXXX XXXX  IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX/XXXX  XXXX XXXX ''

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 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have sent several disputes to the credit bureaus in regards to inaccurate reporting from a collection agency. The bureaus keep verifying this information and refuse to do a thorough investigation. I have filed two complaints on portfolio recovery about this issue as well. Nobody is trying to investigate this companys inaccurate reporting. The bureaus are failing to do their job as well. I have sent in proof they are lying about the amount owed but nobody is doing their job. Someone needs to thoroughly investigate my request. They refuse to send me proper validation of this alleged debt after several attempts. If my credit report is reporting one amount and statements they send me say another how is that accurate? The fcra says they must report complete and accurate information in which they are not. The bureaus are not doing their job and neither are the collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN CONTINUES TO CLOSE MY DISPUTES and EVEN DENY MY DISPUTES ONLINE. I HAVE NOT BEEN ALLOWED TO DISPUTE NOR HAS MY REQUESTS TO BLOCK, ADD A PERSONAL STATEMENT, OR RECIEVE MY CREDIT FILE BEEN ALLOWED. I have tried to dispute it online via the paid subscription service I have and via mail. EVERY REQUEST I MAKE FOR A DISPUTE IS BEING CLOSED BY EXPERIAN. AS OF TODATE EXPERIAN HAS CLOSED 25 COMPLAINTS I HAVE SUBMITTED. ALL IN REFERENCE TO THE FRAUDULENT ACCOUNT XXXX/XXXX  XXXXXXXX XXXX. THE CONSUMER FINANCIAL PROTECTION  BUREAU COMPLAINT PORTAL DISPUTES ARE CLOSED THE SAME DAY I DISPUTE THEM. Experian tells me that it APPEARS NOT TO BE ME. Each time added days to the dispute allowing XXXX/XXXX XXXX XXXX  TO PULL MY CREDIT FILE WITH THE UPDATED PERSONAL INFORMATION I PROVIDE TO EXPERIAN. FURTHER ALLOWING XXXX/XXXX XXXX XXXX TO VERIFY A FRAUDLENT ACCOUNT IN MY NAME USING MY PERSONAL INFORMATION. OF WHICH THIS INFORMATION WAS PROVIDED TO EXPERIAN TO DOCUMENT AND SUBSTANTIATE MY DISPUTE OF XXXX/XXXX XXXX XXXX  AS FRAUD.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
This is the THIRD time I have complained about Bayview Loan Servicing. They refuse to cancel and eliminate my PMI. They claim they do not have to based on a late payment from XX/XX/XXXX. Though the payment was late, it does not usurp the Home Owners Protection Act of 1988 which states that once 78 % of the loan has been remitted, the servicer is obligated to eliminate the PMI on the loan.

Bayview has refused three times, and continues to hold onto the late payment as their excuse. This despite the fact that they admitted back in XX/XX/XXXX that I had remitted in excess of 104 % of the loan. 
They provided their " sympathies '' but stated there was nothing they could do. 
My payments have been remitted on time and NOT within the grace period, I mean on the 1st of the month when the payment is due for the last four months and we are CURRENT on our loan, so Bayview is out of compliance of the law. Last month they sent me an email  XX/XX/XXXX stating they had not yet received my payment for XXXX XX/XX/XXXX and that it was late. It wasn't DUE yet. They then sent another email to retract the first email. This company has issues, and to top it all off, they are changing their name, which concerns me even more, as I believe there has been impropriety involved with others and not just me, which is prompting the name change. I am complaining AGAIN because Bayview owes me money AND they are obligated to eliminate the PMI. I have been paying this mortgage for 15 years, and the PMI should have BEEN eliminated a  while a go, however, they neglected to inform me of the process to remove it in a timely manner, and then refused to elminiate it due to a rule that does NOT apply to this loan. 
I am hoping someone will actually investigate and hold Bayview to  account for their irresponsible and improprietous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: William D. Meeker Enterprises, Inc.
State: NY

Complaint narrative:
I have two hard inquiries on my credit report that I'm unaware of i never applied for mortgage

Company response to consumer: Closed with explanation