vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 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: MD

Complaint narrative:
A few years ago our mortgage was purchased by XXXX XXXX. Since then we've had nothing but trouble. We got a few payments behind and caught up only to have them keep charging us strange fees to " keep us in the hole. '' As of now, they are showing that the last payment made was in XX/XX/2019, which shows on my credit report as 30-59 days late, which is dragging my score down. I have made both XXXX and XXXX 's payment but XXXX refuses to update that information. I have a print out from XXXX 's own site showing those payments were made as well as statements from my bank showing those payments were made. I have read through hundreds of complaints online about the same things happening to other people. This company needs to be investigated and shut down. In the meantime, I simply want my payment information reported accurately. This company will find anyway to keep collecting more money from you or to ruin your ability to refinance with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I was looking to consolidate my student loans all into one company and upon trying to complete the application for consolidating I was shocked at how much I still, after 10 years of paying, owe on my loans. When I questioned my father who had completed all the applications he was equally as shocked. When I investigated further I asked my school for an account summary of everything that came into and out of my account, which they provided quickly. I noticed very easily that there were two loans specifically that were not there on this account summary. I called AES and they sent me the credit agreements. The loans were there on those agreements but not on my account? AES told me the disbursement was made to the school. The school says they never received and the disbursement was made directly to my father. My father states that he has never had that kind of money ever. And further more, why if he had received that disbursement would he have used his credit card to pay the school. I have submitted to receive his bank statements from the months that these disbursements supposedly took place. Every time I ask AES for anything its a 7-10 business day wait for their response. This is wrong given that they've collected principal and interest from almost {$20000.00} for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
Called multiple times and not one return call. Bankruptcy was discharged and they have refused to comply with removing from credit report. NOTHING -NO ACTION NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On XX/XX/2019 I was informed by my tenant and then verified by the US Postal Office that XXXX XXXX XXXX XXXX and all previous Trustees have been illegally sending my personal financial information to a Mrs. XXXX located at XXXX WA XXXX. 

We have checked and verified with the postal service that this has been occurring for a few years now, even before XXXX XXXX XXXX XXXX was called XXXX XXXX etc ... so this company has been sending my private information out to this party ( XXXX XXXX ) and who knows whom else for years now and I am demanding that this privacy breech stop NOW! 

Ms XXXX has also verified that she has been receiving our personal financial documents, letters, Notices etc for years as well! 

She has used and is currently using my personal financial information to interfere with my landlord/tenant business relationship as well as harass and intimidate me and my tenants in order to get me to walk away from a modification so she can purchase my property at a foreclosure sale for a cheap price! The illegal actions of both Shellpoint Mortgage Servicing and their trustees have caused me severe financial difficulties and now I am facing a XX/XX/2019 sale date in order to go through with Ms XXXX threats as she is working with these companies to interfere with my legal rights for a modification. This person is a licensed real estate agent and should also be held to state and federal laws that are being broken to commit these fraudulent crimes!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: PA

Complaint narrative:
XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$610.00} There are no contracts, no valid claims ... accounts were settled with original creditors, grave errorfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
i sent money to a person and the wrong amount was entered and I canceled the first one but the second one went through with the wrong amount and now I can not get in contact with the person and money gram is not trying to help me after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: IL

Complaint narrative:
CRA IS IN VIOLATION OF SEVERAL CONSUMER PROTECTION LAWS, FCRA, FDCPA, FRANK DODD ACT, METRO 2 COMPLIANCE ETC ...

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 2019-04-10 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: KS

Complaint narrative:
XXXX XXXX XXXX is reporting a balance of {$970.00} and charged-off monthly to the credit bureaus but they no longer own this account. I also suspect that the last payment made on this account was XXXX and not XXXX as XXXX XXXX XXXX claims, making it too old to be on my credit report. 
I filed a dispute with Experian. 
I told Experian that XXXX XXXX is reporting derogatory information and a balance on an account that they don't own. They sold the account and I have a letter from XXXX XXXX, XXXX dated XX/XX/XXXX and one from XXXX XXXX XXXX dated XX/XX/XXXX. The letter from XXXX XXXX XXXX says : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX and XXXX XXXX XXXX can not sue you for it and XXXX XXXX XXXX and XXXX XXXX XXXX can not report it to any credit reporting agency. 

After the dispute, XXXX XXXX updated the account information to say : Charged off : {$970.00} Written off : {$970.00} Past Due as of : XXXX. XXXX Marked as FP ( Failed to Pay ) from XX/XX/XXXX - XX/XX/XXXX. No payment history prior to this, not even positive information. 
Experian didn't even ask for copies of the collection letter but sided with XXXX XXXX instead. 
It is also reported as charged off on XXXX. 
XXXX, however, says the current status is : In Collections/Charged Off. It has been like that since I checked my credit report in XX/XX/XXXX. 
After I got the results of the dispute in XX/XX/XXXX, I received another collection letter from XXXX XXXX , XXXX that clearly states XXXX XXXX is the owner of the account. The letter is dated XX/XX/XXXX. 
Clearly XXXX XXXX is violating FCRA violations and Experian is allowing it.

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 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XXXX ( XXXX ) Credit card refused issue a chargeback of $ XXXX from a company that is being shutdown by the FTC for fraudulent activities. XXXX stated during the dispute process that even though there was a refund period, that I was outside the refund request timeframe. Yet other creditors like XXXX XXXX did provide the chargeback for the same amount in XX/XX/2017. I provided email chains citing the Merchant XXXX who was working with XXXX, did not reply in a timely manner to answer my request for a refund and therefore stated I was outside the " all sales final '' period of 3 days. The services for the $ XXXX was for a business start up to travel to one of their resorts which I never did. XXXX is now suing me for over $ XXXX while the FTC has an open lawsuit against XXXX. I'm now having to retain a lawyer to fight the creditor XXXX. I have not been served from the Sheriffs office, but law firms are writing me about the open lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Located a puppy and trying to make a purchase of him online. XX/XX/2019 transfer {$800.00} to XXXX XXXX for the dog. Transfer through Bank of America XXXX on the XXXX transferred XXXX to XXXX XXXX because the dog was supposedly trap at the airport and they couldn't fly out needed a special crate would be able to refund upon delivery of the dog also through Bank of America XXXX. Did not receive the animal contacted the bank stated they could do nothing about it because it was XXXX I had to talk to them on Monday. That Monday they'll just took note of what happened and told me they would get back to me within 10 days. At the end of 10 days I spoke to them they indicated that they had found the transfer to XXXX XXXX they were waiting for XXXX XXXX to replace the funds. Did not hear from them call them again understood that for 10 days the notes and on someone's desk no one acted up on it which allowed this guy to get further away with my phones and separate my money for me even greater. Still not have heard a final response from Bank of America are XXXX I have the bill of sales the text message you sent back and forward in the emails that I received from these folks. Please help if you can

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 2019-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active

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 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
I had been working with a XXXX approved Housing Counselor since XX/XX/XXXX, assisting me with my request for mortgage assistance. I was approved for the New Jersey XXXX XXXX XXXX XXXX which provided monthly payment assistance for several months. However due to the severity of my medical condition ( XXXX ), I had fallen behind on my mortgage and loss my job. I was able to obtain gainful employment and requested the Housing Counselor 's assistance with an application to the mortgage company for a loan modification on XX/XX/XXXX. I received a Summons & Complaint from the lender 's attorney in XXXX of XXXX, In which the Servicer is the plaintiff. Due to application documents expiring, an updated application for modification had to be re-generated. An updated submission went out on XX/XX/XXXX. Due to the severity of my medical condition it has delayed the process for me. On XX/XX/XXXX, The XXXX inquired of my son 's income information. In a letter of explanation, I responded that my son is not on my mortgage we only share a bank account. On or about XX/XX/XXXX I received legal notification from the lender 's attorney motioning the court to substitute a new plaintiff. I have not received any communication from The servicer or the new purported Plaintiff indicating there has been a change in servicing or change in investor with regard to my loan. There had been no determination regarding my application request for modification with the servicer. I would ask that the CFPB conduct an investigative inquiry in to this matter for me. Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: NC

Complaint narrative:
+IN SUMMARY BECASUE OF MY XXXX I WENT INTO A LONG TERM REPAYMENT TO THEM OF {$42.00} A MONTH OFR 5 YEARS WITHOUT USE OF THE CARD AND MY DEBT WOULD BE CLEARED. AFTER ABOUT 10 MONTHS OF MAKING ON TIME PAYMENT TO THEM XXXXXXXX XXXX SOLD MY ACCOUNT TO XXXX. FROM THEN XXXX SUBMITTED TO THE CREDIT BUREUA THAT MY ACCOUNT WAS CLOSED WHICH HURT MY SCORE AND THEN XXXX INITIALLY AGGREED TO THE TERMS FOR ABOUT 2 MONTHS EVEN SENT ME A BILL FOR {$42.00} WITH AN {$18.00} DOLLAR HANDLING FEE WHIHC WAS NEVER PART OF THE ORIGNAL DEAL WITH XXXX XXXX. I HAVE SPOKEN TO MANAGEMENT LEVEL PEOPLE AT XXXX WITH NO HELP. RECENTLY THEY HAVE REPORTED ME LATE ON THIS ACCOUNT TO ALL 3 BUREAU THAT NO PAYMENTS HAVE BEEN MADE FOR THE LAST 3 MONTH WHEN IN FACT THE CHECKS WHERE CASHED BY A SERVICE CALLED XXXX XXXX WHIHC I AHVE NEVER HEARD OF. I WNAT THEM TO BE HELD TO THE SAME AGREEMNT THAT I AGRRED TO AND HAVE BEEN MAKING PAYMENTS ACCORDINGLY. I HAVE ATTACHED PROOF OF THE PAYMENTS MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
A payment was sent to my PayPal account on XX/XX/2019. As of XX/XX/2019, the transaction does not appear on my account. Customer support initially said it would post in 30 minutes on the afternoon of XX/XX/2019. When they didnt happen, customer support said it would post the morning of XX/XX/2019. Nothing has been posted, although PayPal immediately withdrew the funds from the payers account. This is the third time I have dealt with this type of issue with PayPal. They take at least 3 business days to release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Optima Recovery Services LLC.
State: TN

Complaint narrative:
Good Afternoon, I am writing because The only answer I can get from anybody is " that is not how this works '', and I don't feel like that is a sufficient answer. 

In 2014, I signed up for a membership at a local gym. XXXX XXXX XXXX in XXXX, TN. I did sign a contract and I did agree to pay a certain amount ( $ 50/month ) over a certain period of time ( 3 years? ). I thought it was {$1800.00}. I no longer have the contract. As thing happen, and the do happen, I lost my job about 5 months into the contract. I was paid current until that point. 

During my membership, I was given a key fob type of card that would activate the machines in the gym. If I was ever behind on a payment, the card would be deactivated. I could not use the equipment. Regardless of whatever contract I signed, it was pay as you go on a month to month basis. There was never any service provided that was not paid for. I could not use any service in the gym without paying for it first. 

There is a ding on my credit report for {$2100.00}. This is more than what my contract 's full term was for, and I paid for about 5 months already. I am curious how anyone could report me to a Credit Reporting Agency, who has not extended me a XXXX of credit. I get that XXXX XXXX feels I owe them that money because I signed a contract, and I am currently trying to work with the collection agency XXXX XXXX XXXX XXXX on a payoff. I think that reporting me to a Credit Agency is illegal since there was not a dime of credit extended to me. Not a dime. I am really feeling like this is a form of fraud and I have no idea where to turn to for help. XXXX XXXX is not registered with the XXXX, so it does no good to complain to them. This company has dinged my credit with the sole purpose of downgrading me in the eyes of someone who might actually give a me a real loan or real credit. I did not receive a loan or any credit from XXXX XXXX, so how are they able to grade me on loan and credit repayment? In order to report me to a credit agency, I would need to be defaulted on a loan or a line of credit. I am neither of those things with XXXX XXXX. I paid for every single time I used their facility and for some times that I did not. If we should get technical about it, I am owed money for the months I paid and did not go. What is the recourse for this? My intentions were good. I signed up for the gym and I made my monthly payments. I lost my job and I stopped going to the gym. We can go to court and discuss it with a judge about whether or not I am actually liable for the money and how it should be paid, but how am I getting dinged on my credit report when this has absolutely nothing to do with my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated 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