vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal Limited My Account and They Can not Tell Me Why PayPal has probably the strictest rules when it comes to using their service. I have been using PayPal for about a decade and always had just one account until recently. PayPal limited my account a few days ago and it gave me way too many headaches. According to any reasonable human being, the PayPal limitation that was applied to my account was unfair and unjustified. They notified me over email that my account was limited due to suspicious activity. That can mean anything so the first thing I did was to check my account, look at the transaction history and logins but I could not find anything unusual. There was no indication that I did anything against PayPal To that would flag my account. As far as I could tell, my account was in good standing. After hours of looking into my account, checking their terms of service and looking through forums as to why PayPal would limit my account, I decided to give them a call. The person that answered had difficulties expressing himself in English but after more than XXXX XXXX of going back and forth, I decided to give up. According to the support representative, the reason I was suspended was specified in the email I received. Short recap, the email stated that I was limited due to suspicious activity which can mean anything or nothing. In my opinion, it is a mistake and PayPal does not admit that my account was limited unfairly. Their support staff barely provides any support. I found out that you can not even appeal the limitation. 

My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Health Investment Company, LLC.
State: AR

Complaint narrative:
COLLECTOR FAILED TO PAY OFF LIEN AS AGREED.ACCOUNT XXXX XXXX XXXX {$3000.00}. SEE ATTACHED. PAY OFF AND PROVIDED RELEASE OR FACE CLASS ACTION LITIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
Every single day NCB Management calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last year I went to the bank with my husband and the Bank manager suggested applying for a line of credit to protect for overdrafts. It was BBVA in XXXX Florida. 
Instead, the manager set up a XXXX fee for each overdrafting, as this was set up the bank took over XXXX from my account in XXXX, and my effort to cover my account and have money to pay my debts went down the drain, with fewer resources I was charged over and over and by today XX/XX/2021 the bank has taken almost XXXX leaving me short to pay my bills. It is so ridiculous that they charge me XXXX to pay XXXX. 
These drafts wont last under balance for more than a day or two, but because I'm XXXX short, it aggravated the issue. 
I made innumerous calls, I wrote complaints and nothing is solved. 
I lose time, I lost money and I need a solution and the bank is taking my time on holds over one hour at each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: NE

Complaint narrative:
Car was stolen and then found car was totaled by my insurance but I retained the car I then paid off the never ending loan with very high rate. Car was paid off XX/XX/2017 And I have still not got the title. I have spent many times on hold trying to get the title they always say it is getting sent out but I never receive it. I feel this loan was a predatory loan because the principal would never go down.

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 2021-05-03 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: FL

Complaint narrative:
Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : Clarity Services, XXXXDate : XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!

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 2021-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
This debt pooped up on my credit report I have no knowledge of this debt. I need this removed from my credit report because it is affecting my ability to purchase a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have an account with westlake financial services.it is an auto loan account and during corona virus, my account was reported as late in XXXX and XXXX. I was told to stop working at my job because covid happened and i have my letter to that effect. Before covid i had never missed a payment and i havent missed any payment since i resumed back in XXXX. 

I have tried to reach out to westlake financial several times but the agents put me on a hold for hours and cut the calls off without a call back. 

I just want the late payment report removed for XXXX and 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 2021-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
SAGESTREAM makes it extremely difficult to get a copy of your credit report. They want much more personal information and photos than the normal credit reporting agencies. They should be required to follow the steps that XXXX, XXXX, and XXXX follow to have online access to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: TN

Complaint narrative:
Every single day XXXX XXXX calls me at least twice a day, sometimes more. I worked in collections and know it is a FDCPA violation to call more than once per day, especially leaving multiple messages per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX was notified by mail and fax on XX/XX/XXXX - of IDENTIFY THEFT AND FRAUD activity. EQUIFAX violated FCRA regulations and my rights as a consumer. I was told they needed more information to close an account that was opened while an active ID theft alert is on my credit report. Equifax stated my original documents ( police report ) were deleted. 

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company XXXX XXXX was notified in XXXX that I have not done business with them or opened an account. The account was removed and now in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA XXXX ( XXXX XXXX. & XXXX XXXX ) which states that this account must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

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 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
My mortgage services company has neglected to pay my XXXX XXXX real estate taxes, terms of which were set up in an escrow when I refinanced last year. I am getting bills from XXXX XXXX XXXX XXXX saying my taxes are in default and I owe {$4600.00}. Penalties keep being added on. I have contacted the company Amerisave Mortgage on numerous occasions, by email, by fax, and my phone, and the situation has not been resolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have made multiple attempts with the lender to secure a loan modification over the last several years. On 2 separate occasions I submitted alleged applications for loan modifications with no ability to submit documentation and with no review of any documentation. On or about XX/XX/XXXX I received a letter indicating that my modification had been approved. However, the lender refused to honor that approval. I filed a dispute with the CFPB and there were multiple responses back and forth in which they continually denied having granted the modification despite the fact that it was provided in writing. The pandemic began in XX/XX/XXXX and I applied for a forbearance in XX/XX/XXXX which put the dispute process on hold. I spent the majority of the following year on state mandated lockdowns and suffered a significant loss of income. On or about XX/XX/XXXX I contacted the servicing center to request a new modification because I was advised that my forbearance period had expired. I was advised that an application would be mailed to me. I did not receive the application. I followed up with a phone call on or about the last week of XXXX to request that the document be mailed out again at which time I was advised again that no submission of documentation was allowed ; and a review of my modification was again conducted without review of documentation. This is the second time that this had occurred. I received an email several days later on Saturday XX/XX/XXXX indicating that a nee loan workout document had been uploaded in my online account. The document was not available in my account so I contacted them on Monday XX/XX/XXXX at which time I was advised that my request had been denied. This is the second time that I have been denied the opportunity for a loan modification as a result of a refusal to review documentation. Prior to the last 2 requests for modification a previous modification that had been granted was denied due to their error regarding a payment that was improperly processed. I have been denied modifications based on their errors and negligence and my loan is now excessive because I have been involved in ongoing disputes due to their negligence and the pandemic. Additionally, I was significantly impacted financially by the pandemic. I spent most of XXXX and the beginning of XXXX on lockdown as a result of state and locally mandated lockdowns. I am now being denied a modification despite the fact that interest rates have been significantly reduced and and my current interest rate is at least 1-2 points higher than the fed interest rates which would significantly reduce my payments. This company has not acted in good faith regarding my current and previous modifications. The denials of my modifications are in violation of the Mr Cooper XXXX Multistate Consent Decree ; and they are continuing in violation of that consent decree.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I have a mortgage, since XX/XX/XXXX, with Nationstar/Mr. Cooper. By chance I discovered in late XXXX, that my mortgage payment was scheduled to increase by more than {$400.00} a month, due to a purported escrow shortage of approximately {$200000.00}. Further investigation revealed that XXXX, on behalf of Nationstar/Mr. Cooper, had made a payment in XX/XX/XXXX, in the amount of {$15000.00} to XXXX XXXX County Taxing Authority. This was in addition to a payment of {$7600.00}, also in XX/XX/XXXX, for property taxes I did in fact owe for that tax year. Apparently, XXXX, of their own volition and without any correspondence with XXXX XXXX County or with myself, paid what they thought were back taxes on the property. The XXXX tax website had not been properly updated and did erroneously show back taxes due, but they were for years prior to my purchase of the property ( in XX/XX/XXXX ) and in fact had been paid at a previous sale of the property. Calls to my closing agent and title company, and the XXXX Taxing Authority, confirmed that there were no delinquent taxes due on the property. XXXX issued a refund check, in the amount of {$15000.00}, sent to XXXX, I believe in XX/XX/XXXX, and that check was cashed by XXXX on XX/XX/XXXX. 
After numerous phone calls and hours and hours spent on the phone with Mr. Cooper ( I have spoken to no fewer than 6 escrow agents and 4 " escrow escalation '' agents, beginning in XX/XX/XXXX XXXX, this issue still has not been resolved! I am still paying mortgage payments that are {$400.00} more than they should be, and additionally, I have discovered that two new erroneous tax payments were made by XXXX, one in XX/XX/XXXX for {$4400.00} and one on XX/XX/XXXX for {$3200.00}. I was told that they will now " open another file '' with regard to these 2 additional erroneous tax payments. 
I really should not have to constantly monitor my escrow account for erroneous payments, then wait for refunds to be issued by taxing authorities and slowly make their way into the Mr. Cooper system! I have wasted numerous hours trying to resolve this and have delayed refinancing this loan because of the false escrow shortage. And now I see that they have repeated this pattern. It really is incompetent. When I was able to obtain the escrow accounting for the life of the loan, there were a few other instances of this happening, which were refunded and of which I wasn't aware. But I am not an accountant, so it is difficult and confusing for me to try to make sure that payments are not made in error, and that if they are, they are ultimately refunded and credited to my escrow balance. As of right now, I don't think I have yet been credited with the {$400.00} mortgage overpayments that took place for several months. I am being penalized for their mistakes and I am being forced to overpay while they resolve their incompetence. I do not trust them at all to properly manage my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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: FL

Complaint narrative:
Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : XXXX XXXX, XXXX.Date :XX/XX/XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!

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 2021-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Nationstar Mortgage Company has withdrawn multiple mortgage payments from my bank account without my authorization and I DO NOT have autopay set up on my account. Nonetheless the payments were not applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc
State: TX

Complaint narrative:
I noticed this collection on my report. I have no knowledge of what this is and have not done business with this company. I have never heard of this company. This is not my debt. Attempts to resolve have went no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03 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:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

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 2021-05-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.

Company response to consumer: Closed with explanation