vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
In XX/XX/XXXX I received a letter from Rent Recovery Solutions LLC in XXXX, Georgia that I owed a balance of {$4300.00} and that I had 30 days to dispute the validity of the debt or it would be assumed to be valid. I disputed this within 30 days. On XX/XX/XXXX I received a follow up letter that stated the company completed a reinvestigation and determined their information was correct. On XX/XX/XXXX, 6 days prior to the date of the letter from Rent Recovery Solutions LLC, I received an email from the original creditor showing the amount owed as {$3200.00}. On XX/XX/XXXX I sent Rent Recovery Solutions LLC a letter asking them to send me a copy of the last statement I received from the original creditor, their authority to collect in the state of Alabama, and an agreement that shows a business relationship between myself and Rent Recovery Solutions LLC. On XX/XX/XXXX I received an email that Rent Recovery Solutions LLC placed the account on my credit report. I sent a dispute letter to XXXX about the validity of the debt and within 30 days I received my credit report showing the debt was verified. On XX/XX/XXXX I sent a letter to Rent Recovery Solutions LLC,  yet again, stating the amount they were attempting to collect was incorrect and I felt they did not have a business relationship with the original creditor because each follow up letter they sent to me was a generic letter stating they verified the debt and the same statement from XX/XX/XXXX. I also explained in the letter dated XX/XX/XXXX that should the company not complete due diligence, I would have to file a complaint with the local state of Georgia and the CFPB. On XX/XX/XXXX I received the same generic letter from Rent Recovery Solutions LLC and on XX/XX/XXXX the company submitted an update to XXXX that the balance was still unpaid for a total amount of {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. 
My paypal account had an " alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a " temporary limitation '' on my account to " verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. 
On XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. 
A direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. 
Paypal removes the alleged XXXX owed and unjustly puts a " permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). 
5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my  direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: Nelnet, Inc.
State: CA

Complaint narrative:
THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXX Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: CA

Complaint narrative:
THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXXRegular Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due  Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest

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 2020-03-06 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: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX were reporting late and they told me that they would fix the mistakes and then they have not they have the wrong address after i have told them i have not receive any statement and i call on XX/XX/XXXX about this issue and told my payment wasn't due until XX/XX/XXXX very upset about this out come and need my credit back to no lates look at the records and calls regions credit card

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 2020-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I filed a dispute on XXXX XXXX for {$1000.00} with a big wheel XXXX XXXX using a American Express Serve debit card. No services was performed or received but this merchant charged my card and is refusing to give me a refund. Amex is saying no charge was unauthorized which is not true this merchant got a free {$1000.00} from my card and i demand a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX  XXXX XXXX Acct # XXXX* For {$770.00} I filed a dispute with credit bureaus with issue not being resolved. This not accurate information and this account does not belong to me. Please remove from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Collection Services, LLC
State: TX

Complaint narrative:
I called XXXX XXXX XXXX 's billing service to set up the amount " payments in lieu of reporting ''. In late XX/XX/2018. I agreed to this with the lady at thXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX She said the account had just been forwarded to Southwest Collections. So I called them, Southwest Collections didn't even have the paperwork yet. I asked for a payment plan of $ XXXX month in lieu of reporting. They THANKED ME with 19 Derogatory reports, all dated XX/XX/2018. I was not given the thing I bargained for and for this reason I feel I should not have to pay the amount. They are in the wrong because I said over and over I'd pay in lieu of being reported. I feel I've paid enough under the circumstances.

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 2020-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX I have a mortgage loan with bayview loan servicing my loan account number is XXXX the customer service number is XXXX XXXX XXXX their address is XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX .my complaint is that I'm two payment s behind I asked them to go on a repayment plan. They told me that I have to make a payment for XXXX .in which I did then allow sudden they tell me that I have to put more money down like XXXX dollars. I ask them can they accept the payment I made recently for XXXX. I only now owe XXXX and XXXX payment.. Can you please talk to bayview loan Serpvicing to see if they will process my repayment plan with the payment I made recently. I'm trying to work with them. But they won't more money down I'm only two payment s behind since I made XXXX payment. I'm trying to prevent any foreclosure from happening. I'm not in any danger now. Just two payment s behind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters has falsified a debt on my credit reports. No notification was provided in regards to this debt. They parked this debt on my credit report and have re-aged this debt which once again violates the statue of limitations. They are reporting this as a new delinquency. I have never been notified of this debt. FCRA requires debt buyers to notify me when they report negative information to a CRA, this practice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: KLS Financial Services, Inc
State: TX

Complaint narrative:
Recently I was shocked to see this account reporting on my credit by KLS Financial Services. I disputed with XXXX, XXXX  and XXXX  in which they verified the account as accurate. 

I requested verification from KLS Financial and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX XXXX  : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

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 2020-03-06 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: TX

Complaint narrative:
Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, XXXX  and Equifax in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, XXXX  and Equifax and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX XXXX   : XX/XX/XXXX Equifax : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
Recently I was shocked to see this account reporting on my credit by XXXX XXXX XXXX. I disputed with XXXX, Experian and XXXX  in which they verified the account as accurate. 

I requested verification from XXXX XXXX and what they sent me was unverifiable : My original contract EXPIRED by 29 months My signature and date are on the agreement along with the terms of 12 months, dated XX/XX/XXXX A handwritten billing statement dated XX/XX/XXXX in the upper right corner of the original, expired contract. Expired as of XX/XX/XXXX The calculations of the billing statement do not calculate to the difference of the expired date to the date XX/XX/XXXX being reported in the billing statement Unaware of who wrote the updated billing statement No Last Date of Payment to determine calculations Date of Original Delinquency is reported as the EXACT date I signed the contract and began services, XX/XX/XXXX. 

I provided the proof to XXXX, Experian and XXXX  and again, they verified the account as accurate and have continued to report this account showing the Date of Last Activity as of : XXXX  : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Making this account appear newer by 3 and 4 years while there is no Date of Last Payment reported anywhere. 

My understanding is the information the bureaus and debtors are allowed to report is required to be 100 % accurate, complete and verifiable ; which this is not. And the most frustrating part of this is I completed my obligation to the agreement and beyond.

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 2020-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I was contacted by XXXX XXXX XXXX about an ability to refinance my loan. He said that he could with a XXXX credit score and lower interest rate than 3.5, which is my current interestrate. He sent an application to my email the same day. On XX/XX/2020 I followed the steps that the application wanted me to. The application asked for all kind of documentation that I sent. Tax returns pay stubs for past year. A copy of my dd214 from military. On XX/XX/2020 I received a call, after I uploaded all the info that the application asked me to, from XXXX XXXX XXXX who told me he had been trying to call me. He said he couldn't get me and that my voicemail wasnt working. He told me that he needed to run my credit. He also said that I jumped the gun on uploading all these documents. I told him that I was just following the prompts of the application he emailed me. He ran my credit and immediately told me that he could not do what he said. I asked him to delete all of my records that I sent his company and he said he would. On XX/XX/2020 I called back because all of my financial documents are still in there system. When I called on XXXX XXXX I talked to XXXX XXXX XXXX and asked him about why my files have not been deleted, he said he forgot and that he would jump right on it. I waited 2 more days and then called again, because my files were still there, and I couldn't get XXXX XXXX XXXX Loan Consultant NMLS # XXXX XXXX On the phone. I talked to customers service to find out if there is another way to help me. Customer service told me the managers said that they could not do this. I have been getting calls from different strange numbers since I filed with this company and I feel like they should not be holding my personal financial information like they are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I leased a car from XXXX XXXX XXXX, I had the car for 7 months before the car was wrecked my contract stated that because I paid a damage waiver fee that I was no longer responsible for the lease or the damage. XXXX XXXX XXXX reported this car to my credit as an open on time car loan after the car was wrecked to keep me from being able to get a loan through another company I asked several time just for proof that I didn't owe on this car to be able to get approved for another loan they refused to help me in anyway the only option they game me was to lease another car from them because no one else would give me one now I'm stuck paying for a car I hate and can't afford.

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