vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Hi, My loan is serviced by Select Portfolio Service I have asked them who is the banker on this loan they say they don't know they have to send me something in writing I have requested this information over 20 or more times never get an answer I just request it again today XXXX/XXXX/2020 and again they said they have to mail it but that it never comes in the mail. 
My mortgage statement comes in the mail so I know they have the correct address my interest rate is fixed at XXXX % from a modification I was asking them for help to modify the loan for a lower interest rate instead they so-called lowered my payment but put me in a loan that is completely upside down meaning over 75 % of my payment goes to interest keeping my escrow and principal payment in the red. 
Every payment I make my principal balance goes up and escrow fall short right now my principal is XXXX and my escrow is XXXX my escrow would have been more but I made an additional payment of XXXX towards my escrow a couple of months ago I have tried everything to help myself I was sick when I got myself into this mess but now I am better and can see what they are doing my house has been paid off several times with all the money I have just given to these people I want to be able to pay off my home. 
Please help!!!! 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX of this year I paid off my current balance with CAPITAL ONE plus {$10.00} additional for any interest rates that may apply in preparations for a New Purchase. My balance should have been negative. 

Instead Capital One has added on additional fees and Even Applied a missed payment report to the Credit Bureaus dropping my Credit Scores Tremendously at a crucial time for my New purchase. 

Can someone please inform me of my rights as a citizen with information on what I can do about this situation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Money hungry bank. People affected by covid and they still hit people with fees. Made a deposit through my phone since we had a XXXX family in our home and couldnt get out. Made a check deposit to cover what was coming out and still charged me a fee. Covid is not even over and been told many times they arent helping covid families.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
on XX/XX/2020, i sent a letter to PORTFOLIO RECOVERY Disputing a alleged balance of {$720.00} that i do not owe.i have not receive anything that i requested in the letter and has attached a copy of the letter below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NC

Complaint narrative:
collection company is now the 5th company that XXXX XXXX as given this account to ALTHOUGH this account had previously been pulled and resolved through XXXX XXXX CUSTOMER SUPPORT. This account should not be with ANY COLLECTION AGENCY per XXXX XXXX XXXX. This account was proven to not have had the cell service that was promised and for the 7 months that I had sprint I only had usable service for 2. I had to call every month and received responses every month that they were working on the issue and they ( XXXX ) acknowledged every month that cell service was and had been down in my area and they were working on it. it never got resolved and I had no choice then to get reliable service due to my medical condition. XXXX PULLED THIS ACCOUNT AND WAS TO BE DELETED MONTHS AGO.. This is now the 5th company that is trying to collect on something that the executive office at XXXX XXXX XXXX balanced due to my previous complaint to the CFPB and to the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
I never received the title/deed to the property. They claim the Town of  XXXX XXXX has it. They do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: NJ

Complaint narrative:
I have been sending dispute letters asking for these egregious collections, incorrect auto loans, and student loans from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the Department of Education to be removed from my report as they have not provide the original credit agreements, original contracts, or promissory notes I supposedly signed for these debts.

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 2020-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
The Dealer where the car was leased sent a check to Hyundai Motor Finance to cancel the maintenance agreement associated with the car. Check XXXX for {$1300.00} was issued by dealer and cashed by Hyundai on XX/XX/XXXX. I have contacted HMF at least once a week and sent cancelled check copies multiple times. Also say it will be reviewed and I will hear back within 3-5 business days. Check needs to be applied to the pay off value of lease as we need to end this lease early.

Below are dates I have contacted HMF customer service ( more than this but these are dates I wrote notes ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have sent emails through their secure Payment Processing Dept mimecast portal on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
We are incurring additional cost of $ XXXX/month for insurance on this car because we have not been able to proceed with ending this lease since XX/XX/XXXX. Car has not even been driven since XX/XX/XXXX because my father had a fall and longer able to operate a vehicle.

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 2020-09-25 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: MA

Complaint narrative:
This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.

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 2020-09-25 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: MA

Complaint narrative:
This is the third investigation I've contacted the CFPB about regarding this issue. XXXX XXXX has listed me as having a late payment ( s ) when I have never been late on any payment. The error is fixed after submitting a complaint with documentation to support my claim and then the next month the late payment ( s ) reappears again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
ON XX/XX/2020, I SENT 2 LETTERS TO MIDLAND FUNDING LLC CONCERNING SOME ALLEGED DEBTS OF : {$820.00} AND {$470.00} THAT I DO NOT OWE.THEY HAVEN'T RESPONDED TO MY COMPLAINT AS OF YET AND I HAVE ATTACHED COPIES OF THE LETTERS SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
Outsource Receivables is reporting an account on my credit file on a debt I no longer owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and settled the debt with them. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This company keeps calling about a debt, however I do not owe any debt. The are calling relentlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: MA

Complaint narrative:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, XXXX XXXX  verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-25 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
CB/VICSCRT is reporting a few 30 day late 's on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX   XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX 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 2020-09-25 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: VA

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 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: MI

Complaint narrative:
We sold a lop top computer on XXXX  and payment was made through PayPal. The funds should have been available immediately, but PayPal would not release the funds and instructed us to ship the item ( {$1200.00} value ) to the buyer. 

The item was shipped, received, and positive feedback left by the buyer. PayPal would still not release the funds, would communicate through only through text and would not allow a phone call, hanging up each time an attempt was made to contact them via phone. 

After 30 days had passed, we reached PayPal by calling from a different account, and we were able o reach them. After over an hour of explaining the issue and arguing with PayPal staff - they agreed to release the funds. 

However, when we attempted to transfer the funds to our bank account, PayPal claimed there was a " problem '' with the account and STILL is holding the funds. This computer was sold so college tuition can be paid, and PayPal is illegally restricting access and and is discriminating against a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
About this situation covid -19 I lost my Job, I call to resolve the problem and all communication with the company I offered to pay small portion to make another payment an a few days when I call the said your account is completely close and you need to pay in full. Both company the same capital one and XXXX  XXXX. Capital one balance XXXX aprox. And XXXX  XXXX XXXX. This crisis affects to me emotional and personal. I need help please I dont want bad credit. Credit is the key to keep financial up. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MCCUE MORTGAGE COMPANY, THE
State: CT

Complaint narrative:
Because of the last complaint I filed, during the closing the company decided to fine/steal {$230.00} from me. They claimed it was interest owed to the XXXX. I contacted the XXXX and they said that was lie. I contacted McCue Mortgage again and they confirmed that and said they would refund me the {$230.00}. I never received payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
CCB/XXXX  is reporting erroneous late 's on my credit file. I applied for a credit card and was approved for a line of credit. I used my ID to make purchases until I got my card in the mail. I never received this card or instruction on how to make my payments. I never received any information about my account and inquired about getting a new card multiple times but it never came. I would get notifications on my phone but ONLY when I was past due. I would called immediately after and make these payments. Its not until I went into the store and complained that they ordered me a new card and I actually received it. Ever since then I have been making my payments on time. I recently checked my credit file and noticed these lates, this is ridiculous! How was I supposed to make payments with NO account information? I am not responsible for these lates as i was never even notified about my due date, just when i was past due. Please remove these lates, they are not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
Received multiple notifications by mail and phone. The most recent notification came by mail dated on XX/XX/20. 

Ive written several times and call to stop harassing me and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I sent a payment via the CASHAPP service to pay for XXXX and the payment never arrived to the daycare. I can not reach the company, they have not responded via XXXX, or email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of 2019, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, TX added a derogatory mark on my credit profile per MyFico iao . Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time Transunion has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.

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 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. On XX/XX/2020 the original creditor, Comenity Bank verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors currently holding the file have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this.

Company response to consumer: Closed with explanation