vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

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 2020-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

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 2020-07-27 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:
I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. 

I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. 

I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

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 2020-07-27 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: TX

Complaint narrative:
I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

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 2020-07-27 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:
I HAVE TRIED TO DISPUTE WITH CREDIT REPORTING AGNECIES FOR OVER SIX MONTHS NOW I GET NOTHING BUT BOGUS REPLIES EVEN THROUGH HERE STATING THAT THEY HAVENT GOTTEN ANY DISPUTES THATS AN ABSOLUTE LIE BECAUSE I GET MAIL STATING THE ACCOUNT WAS VERIED ACCURATE HOW IS THAT. I HAVE BEEN TREATED UNFAIR AND I WILL NOT TOLERATE THIS BEHAVIOR ANY LONGER SO THERE YOU GO BELOW ATTACHED MY BANK STATEMENTS THAT PROVE THAT I HAVE BEING LIED TO AND HAVE HAD MY RIGHTS VIOLATED MONTLY BY YALL. I HAVE NOT ONLY NOT BEING LATE BUT ALSO PAID AHEAD FOR MULTIPLE TIMES AND NOT GIVEN ANY CREDIT WHAT ELSE DO YOU NEED. AND PLEASE DONT JUST REPLY TO SUBMIT A DISPUTE I HAVE DONE THAT CLEARLY FOR MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After reviewing my annual credit report I've notice that transunion currently reports an account under the name : XXXX XXXX  inaccurately. 

1 ) The name and address on this account is completely inaccurate and misleading. A violation of FCRA rules section 1681 2 ) The reported balance is wrong and inconsistent a violation of FCRA rules 3 ) The last date of activity is inaccurate a violation of FCRA rules.

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 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian currently reports the following account inaccurately. 

Account under the name : XXXX XXXX  This account currently reports both my name and address inaccurately a violation of FCRA rules section 1681 This account currently reports inaccurate balance and paste date of activity a violation of FCRA rules.

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 2020-07-27 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: GA

Complaint narrative:
I opened PayPal account and had my unemployment benefits sent .now they froze my account with XXXX dollars in it and tell me I can use paypal Anymore .will not allow me to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: DriveTime
State: GA

Complaint narrative:
Effective XX/XX/XXXX, I reviewed my XXXX XXXX account as always because I am done with my car loan. I have been told numerous times that my maturity for my vehicle with done making payments will be XX/XX/2020. I have documents in black and white as well. My initial maturity date was XX/XX/2020. But that payment was added on to the end of my loan which made my new maturity date XX/XX/2020. Now, out of the blue XXXX aka Drive Time is saying that my account is past due in the amount of {$290.00}. Which I have spoken with several customer service agents who clearly stated they did not know why the amount was all of sudden on added to my loan balance. I even went inside of the Drive Time location in XXXX XXXX, GA. and spoke with a sales associate name XXXX who consulted with the store 's manager who stated they are unable to provide a logical reason as to why the amount was added onto my loan and to contact customer service on which I did and the customer service agent was not able to provide me an answer as well. I have submitted many complaints in regards to fraudulent information this company is reporting as well as being unethical. CFPB would you please assist me with this issue? Drive Time needs to be fined for being unethical and committing fraud on consumers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was scammed..towards the end of the activity, when I realized what was happening..I shut down my computer, put a block on my account then called the bank and explained what had just happened and told them not to release the funds..They REFUSED! ... Said I would have to wait until after it posted ... then I ask Regions to put a block on my accounts to safeguard me and the bank from any more funds leaving the bank.. 
The next day informed the bank to unlock my accounts Now..Had scanned my pc for any lingering Malware. 
After numerous calls, emails, being on hold for hours..disconnected multiple times, They said they would in fact do that, but they have not done so and have been giving me the run around daily..this does not begin to show the terrible frustration from being bounced around from dept. to dept., person to person..Informed them I had many automatic .. payments that would be coming out of my account..Throughout this entire process they were given all needed id verification from me.They assured me there would not be a problem ... but..the auto payments were not paid and I began to get notices. 
They are going to ruin my credit by not solving my simple request ..their inefficient actions are unconscionable for a XXXX  dollar company and to treat their customers so poorly.. 
This issue could have been resolved in one ten minute phone conversation..but I have yet to get access to my accounts..The pandemic is no excuse for not being able to solve a simple request timely.. 
There are many more details ... too many contacts for me to list..too many emails..too many disrupted phone calls. One hardship to overcome was the bank 's policy not to give out direct phone numbers to the correct departments. 
It has been 11 days and I am still unable to access my accounts. 
Their phone answering system extremely user unfriendly, inefficient, very slow, disconnected often.. 
Sincerely Mr.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 2020-07-27 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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: MN

Complaint narrative:
XXXX can you confirm yes or no XX/XX/2020 did XXXX  In fact remove both your accounts from their/ my credit file?? You are one bank reporting To 3 or 4 reporting agencies? What you report should be the exact same reporting so how are you refusing to delete the two tradelines from Experian??? 

XXXX  XX/XX/2020 can you confirm simple yes or no did XXXX  in fact remove your tradelines from their / my credit file?? Again you are one bank reporting to 3 or 4 bureaus?? What you report should be the exactly same reporting so how are you refusing to delete the two tradelines from Experian I tell you you and Experian are shady and you both going to get XXXX in court if you dont stop doing illegal XXXX. I give you both 24hrs to remove the XXXX illegal XXXX ask your friends over at XXXX  did they get XXXX up and I will do the same XXXX to you if the XXXX XXXX  cards are not remove today XXXX  XXXX  send proof that the two tradelinea were removed on those date. XXXX  XXXX you? 
Would you guys do this to your momma but again you both of two XXXX  XXXX  XXXX  XXXX  XXXX Seriously

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 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I have had a title loan with TitleMax for XXXX over a limited time period, I continue to try and catch up making payments but everyday they add XXXX to XXXX $ fees not allowing me to even get caught up.How can I possibly get caught up when Im being charged late fees so my bill went from around XXXX $ to XXXX XXXX 
My name is XXXX XXXX XXXX ss.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking XXXX, EXPERIAN and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

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 2020-07-27 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: GA

Complaint narrative:
My name is XXXX XXXX ... I am XXXX years old ... .I HAVE NEVER LIVED IN XXXX , GEORGIA ... .I HAVE LIVED IN XXXX, GEORGIA my entire life ... .yet EQUIFAX has yet again added a XXXX XXXX apartment COLLECTION ON MY CREDIT REPORT THAT WAS ONCE REMOVED AND PROVEN TO BE FRAUD ... ..I HAVE NEVER ATTENDED IN SCHOOL IN ALL MY XXXX YEARS, YET EQUIFAX IS REPORTING STUDENT LOAN ACCOUNTS ON MY CREDIT REPORT THAT DEFINITELY DO NOT BELONG TO ME .... 

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery bought credit card debt from XXXX XXXX and they re-aged the account from the last date of payment which was XX/XX/XXXX and the account was closed XX/XX/XXXX. Portfolio recovery bought the debt in XX/XX/XXXX and reported negative marks to my credit every month when I do not nor have I ever had an account with them. They re-aged the account with this new date of XX/XX/XXXX. This account was charged off in XX/XX/XXXX. 
I contacted all three credit bureaus with this information on XX/XX/XXXX and they failed to remove the erroneous information from my credit file. This has crime has damaged my credit and effects my ability to obtain credit. This is a concerted and illegal effort of the part of both companies. Currently I am not a member of the class action lawsuit about these dubious practices but I will be seeking a legal remedy in the future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
My son has a medical card and the hospital billed the insurance improperly and then turned me over the collection agency. I have spoken to them and the collection agency and keep getting the phone calls. I contacted his medical cars insurance XXXX XXXX  XXXX   XXXX  and he was covered for the service dates. He was transported to XXXX XXXX and they were able to properly bill so Im not sure why XXXX XXXX Hospital couldnt. His dates of service were XX/XX/XXXX and XX/XX/XXXX. His coverage through XXXX was good from XX/XX/XXXX to XX/XX/XXXX. I contacted them in XX/XX/XXXX after receiving a notice I was turned over to collections. I have contacted the collection agency as well and it doesnt seem to be getting anywhere. It has been reported to my credit and I am very upset as it was XXXX XXXX that made the mistake.

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 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: VA

Complaint narrative:
My name is XXXX XXXX and my wife and i have a conventional mortgage loan with Ameris Bank Mortgage Service 's on our property at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. Ameris Bank Mortgage Services has an address of : Escrow Department XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Illinois XXXX and a phone number of XXXX. My wife 's name is XXXX XXXX. Our loan number is XXXX. We have been customers of Ameris Bank for over 3 years and have never been late or missed a payment. We are the original owners of our home of 15 years and have been in good standings with the previous company with never and late or missed payments. 
We have tried several times with Ameris Bank to have the PMI removed from our loan as we feel that we have sufficient equity in our home. We are positive that our home would appraise for more than XXXX as their are neighbors on our street with the same size home and amenities that have sold for XXXX or slightly less in the last couple weeks and months.. We owe XXXX Our first inquiry to Ameris bank ( XXXX ) regarding PMI removal resulted with a representative telling me that the Unpaid balance would need to be 78 % or less of the property 's value. 
Our most recent inquiry resulted in us being told that it needed to be 65 % of the property 's appraised value. The UPB number continues to go down every year. 
After speaking with a mortgage loan specialist with Ameris Bank, he advised that he could not tell me why the rate was as 65 % and said " That is crazy '' and said that the number should be around 80 %. He told me that he was going to do some research and get back to me. 
The following week, ( XXXX ) he called and said that he had spoken with a member in the escrow department and was told " the number is what it is and cant be changed '' and had no explanation but offered to help me with a Re-finance. ( Of course he did ). 

Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief