vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
XXXX sent me a letter on XX/XX/2020, telling me that my forbearance had been accepted and that I would not be reported late. They still have reported me late. This can't be acceptable during this pandemic, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Penn Credit Corporation
State: MD

Complaint narrative:
I recently requested a copy of my credit report and noticed and account I have no knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I retired XXXX XXXX of this year, I got online and look at my account balance. {$86000.00}. I wrote a check to them on XXXX XXXX for that balance and mailed it ... .on XXXX XXXX I called PHH Mortgage and asked if the check was received, he said yes. The person on the phone said give them 10 days to process the check..OK. Called 10 days later and I was told they would submit a request to pay the account.OK. Called again was told they can not accept a personal check, I said OK, send the check back..was told they would put in a request ... Called again 7 days later and was told that was not the balance, I said that is what the computer said, how can I have a different balance? Continued e-mailing and calling to get my personal check back ... I will put in a request ( This was there go to answer for everything ) I called again in XXXX and wanted to know where my check was and send it back. They send an -email stating again they don't accept personal check ... I responded by saying " send it back '' this went on for a couple weeks. I stared depositing money into the balance, I got it down to {$160.00} over the course of 3 weeks. XX/XX/XXXX I received a letter saying it had to be paid by the XX/XX/XXXX. Then on XX/XX/XXXX, the balance jumped to $ XXXX..I called and asked why? With all the monies I have paid I am paid until XX/XX/XXXX. In the mean time I received an e-mail saying they were sorry, but they lost my personal check and put stop payment on it. ( more money ) .. Then I called again asking why my account jumped from {$160.00} to {$430.00} and again was told they would " put in a request '' and find out ... .NOW I am not a happy person .... 
Then in XXXX, one of the guys suggested to use my escrow to pay it off..I have a total of {$770.00}. and paid another {$620.00} ( online, because that is what they said I owed ) now they have {$1300.00} in overpayments. Called again when it was not paid in full. I called and spoke to a woman and she also said " I will put in a request '' to pay it off. I asked her why my account jumped from {$160.00} to {$430.00} and again was told " I will put in a request.. she said call back in 3 business days..ok Called again on XX/XX/XXXX, and spoke to a man and he said ..it is just sitting there..I will put in a request for payment ... .ok I received an e-mail on XX/XX/XXXX, apologizing for the inconvenience, give them 3 business days to resolve this and in 10 business days all extra money would be refunded ... Nothing has been done ... ..I called XX/XX/XXXX and said nothing has been done ... .and again he said I am looking at this, I don't know why nothing has been done. I will personally find out what the problem is and call you by the end of the business day ... ..No phone call ... And now I am writing you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
Experian has not investigated into my disputes properly. They continue to report fraudulent information that is not mine or is inaccurate. They are in violation of the FCRA.

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 2020-04-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

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 2020-04-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Over 30 days ago, I requested a credit investigation. I have not received me results yet, but I should have.

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 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was set up on autopay and when the card expired I called to make a payment and they still tried to take the payment that was set up on autopay. But at that point the card had already been expired so it didnt go through and they didnt apply the payment I made for several months, in result they charged me 2 late payments that I really made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Plsea CFPB forward the following documents to Chase bank. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I became ill in XXXX was in the hospital about 2 weeks. having XXXX it was like a XXXX my left side would not work. Went through 1 and a half year of rehab. had a frozen left shoulder. the doctors decided I had XXXX XXXX XXXX XXXX   XXXX XXXX  was not able to walk well had to use cain. Could not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
On yesterday XX/XX/XXXX I received a notification from the credit bureaus for a collections of {$1500.00} from a company XXXX. Ive never applied or had an account with this company. I immediately called and informed Midwest Recovery Systems. They informed me that this loan was taken out in XXXX and theyre now just placing in collections in XXXX! Midwest Recovery Systems has never contacted me by mail or telephone. I do have a threatening letter in my SPAM email from such company in XXXX stating I will be going to jail and being sued. Ive never been sued by XXXX. They also said they would be contacting the FBI and my job. This is not my account and furthermore its over the statue of limitations. Threatening and or intimidation is also against the law ESPECIALLY on an account that never belonged to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Twice the charge of {$20.00} has been charged to the account as a returned automated account fee. 
There has been a dispute that the account had never been set up for an automated account. The option online was not even enabled. The account was NEVER set up as an online automatic payment. A challenge was made to inquire if the account was hacked. 
Also, on today 's phone call, it took 7 representatives to get with someone from what is to be Escalated Complaints. 
Regardless of a warm transfer or cold, the account was re verified. 
They also stated that a Power Of Attorney was needed in order to speak with someone over the phone. This was refuted. They verified the account 7 times to allow authorization to a third party. Any other person without knowledge, would have just taken their word that a Power Of Attorney is needed. 
The Customer Service counter at XXXX   on XXXX was completely closed and refused to take any payments. 
Please request all records. Please request all transaction history and customer calls. A called was made when the account was first open to attempt to make payments on line. This was not made. Physically, the payment had to be made in the store. 
It is my belief that XXXX  charges incorrect illegal fees. I request that a full investigation is made on their practices and fees in order to determine how many people have been charged returned fees for incorrect banking information. The option to make a Payment online is not always enabled. It is enabled and disabled at their discretion. It will not even reflect as an option. 
It is my belief that XXXX misrepresents the payment options available. Please keep in mind, this account was never delinquent. This account had the balance paid in full. There was never any interest charged. The only fee they have been able to collect is this, not once but twice. 
The last representative stated that the Payment option is " disabled '' aka completely disappears from the website when there is an issue with the payment. This also means that anyone who is under the belief that they are set up on automatic payments would go into default. No Notice is sent as to the situation. 
There was no XXXX Statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have contacted Chase bank on several occasions with regards to a billing dispute and Chase has not resolved the problem. The following information applies : 1. On XX/XX/2020 I purchased from XXXX XXXX round trip tickets to New York for a total of {$3300.00} XXXX reference attached invoice ). 

2. On XX/XX/2020 I was charged {$780.00} x 4= {$3100.00} 3. On XX/XX/2020 I was charged {$680.00} x 2 = {$1300.00} 4. Total amount of charges = {$4500.00} 5. On XX/XX/2020 a credit of {$420.00} and {$250.00} was given thus leaving outstanding charges of {$3800.00} I have asked Chase to correct the inaccurate billing charges and Chase continues to respond that charges are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from acutual creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Had Spoken XXXX Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: FL

Complaint narrative:
Transunion refuses to remove inaccurate fraudulent information on my credit report. They are in violation of the FCRA. I have tried to dispute this information to no avail.

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 2020-04-24 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: NY

Complaint narrative:
fraudulent accounts are on my credit report due to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AZ

Complaint narrative:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, XXXX, and Equifax. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this dept recovery solutions got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also google this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX  and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: AZ

Complaint narrative:
So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. XXXX XXXX, experien, and XXXX I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX  and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.

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 2020-04-24 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: SLM CORPORATION
State: PA

Complaint narrative:
Had Spoken XXXX  Disputes department ( XXXX  ) regarding inquiries on the credit report Company failed to remove inquires with results submitted from actual creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT ADVANCED COLLECTION Reported : XX/XX/XXXX - {$500.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION Reported : XXXX  XXXX, XXXX - {$500.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop  collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Dear XXXX, Thank you for your email. 

Naturally, you have the right to cancel your tour with no charges up until XXXX XXXX. 
However, I would like to point out a few things : 1. Coronavirus is not Ebola or anything similar. As a matter of fact, the mortality rate is roughly that of seasonal XXXX ( flu ) : https : XXXX. You would probably agree that if we were to cancel all our tours because of flu danger, we'd run out of business very fast. 

2. So far, there has been no official case registered in XXXX. 

3. If you decide to go ahead with the cancelation, you may understand that we may not accept your booking at a future date. You and me we've gone through quite a few emails before putting all this together. My colleague XXXX had a VERY HARD time securing your accommodation and activities. I will most probably not be willing to take the same chances again. 

In the unlikely eventuality that country travel restrictions will be put into place between XXXX XXXX and XXXX XXXX, I promise you we will keep your deposit and rebook your tour at the dates of your choice in the future. 

Look forward to hearing from you. 

XXXX XXXX  XXXX - XXXX. Untold. 

XXXX Phone : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX received XXXX XXXX XXXX {$100.00} paypal fee, called agent at paypal and told them it was A refund, agent told me to refund back to seller and have them " Refund me the money '' I did that on XX/XX/XXXX. seller contacted me and said he didn't have the means to refund me, only send it back. I called paypal agent again and they told me to have the seller call paypal. I contacted seller via email to have the seller call paypal. I have not received XXXX XXXX so I put a claim in with my XXXX XXXX charge card. response from XXXX card with sellers explanation that he tried and couldn't refund and claim has been denied by XXXX cards

Company response to consumer: Closed with non-monetary relief