vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have late penalties and charges on my mortgage account, despite the fact that I am paying on time. 

Here is what happened : My loan was with XXXX for many years, I had a bi-monthly payments on the mid and end of the month. Since the deadline is usually on the XXXX of the following month, all payments were ahead of schedule by almost 2 weeks. All was good and on schedule since I started with XXXX back in XXXX. 

In XX/XX/XXXX, XXXX sold my loan to XXXX. I did not know until almost the due date was over, but I did manage to pay my FULL XXXX payment ONTIME on XX/XX/XXXX ( Due date was on XX/XX/XXXX ) for {$2000.00}. 

Then I started automatic bi-monthly payments from my bank account for {$1200.00} per payment, the 1st one for the month of XX/XX/XXXX was paid on XX/XX/XXXX for and the 2nd payment was payed on XX/XX/XXXX. 

After few months, I started noticing that I have late charges and penalties, I contacted Loancare which is the service company for XXXX multiple times, unfortunately was not able to get any one to talk to. I sent many emails with no answers so far. 

I dig my payment history from their website and realized that the problem was in XX/XX/XXXX payment, the company considered that payment as a principal payment instead of the 1st part of my bi-monthly payments for the month of XXXX. Once again I send many emails from their website, no answers so far. 

I finally managed to get them on phone today XX/XX/XXXX. I talked to an agent and her manager, and explained in clear terms what happened. I was not able to resolve the issue, their line of argument is that 1 ) this happened more than 6 months ago and we can not do anything ... 
2 ) we did not have a bimonthly payment system at that time, which I can not understand because they seems to accept my payments after that. 
3 ) you did not informed us that the XX/XX/XXXX payment was not a principal payment.

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 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
As an XXXX year-old citizen, I know very well my vulnerability to covid-19 pandemic, so I got onlineto purchase face masks in early XXXX. The seller was XXXX.It charged me {$160.00} for 3 masks plus 2 as a reward. When FDA announced 66 XXXX mask-manufacturers, I emailed the seller twice, warning him I would cancel my order if his merchandise were made by any of the 66 XXXX mask-makers. But he just ignored my requests for verification of his goods. This is why I returned his package unopened on XXXX XXXX and emailed the USPS tracking number XXXX to his agent XXXX XXXX , asking for a full refund, which she promised to provide once the return package arrived. Unfortunately, my three consecutive emails were declared unable to deliver by XXXX, disconnecting my continued requests for the refund. 

So I had to try to ask Paypal for help.Paypal promised me that the refund depends on my providing the USPS tracking number for investigation. However, Paypal some time later claimed that my return package was delivered to a wrong address, to which I strongly disputed, telling Paypal that the return address had been copied character by character on the seller 's package 's upper-left corner. which, common sense can tell, must be related to the seller. Paypal argued that the return address should be XXXX XXXX XXXX XXXX  XXXX, XXXX, FL.XXXX, which was given to Paypal long after I turned to it for help. 

However, as Paypal has insisted on its argument in favor of the seller, I had to refer my case to XXXX  for its assistance. But XXXX  of XXXX XXXX XXXX has taken no action so far. On XX/XX/XXXX, I tried to call XXXX and talk to a lady representative, who told me to try emailing to XXXX instead. I did, but there's no response as of today. 

On XX/XX/XXXX, in the wake of my threat of turning to XXXX, XXXX XXXX, agent of XXXX responded at last. Talks were resumed with little result.I warned her that it would be a crime if her company intentionally gave a customer a treacherous return address. But she ignores my advice. 

I have got online and kept talking with Paypal agents in the last two months. A few of them sounded willing to help, but no action was taken. An agent named XXXX advised me to directly appeal to Synchrony Bank, to which Paypal is related.she went so far as to provide me with the Bank 's checking account and its routing number as well. However, since the last four digit of my Paypal credit card she provides ( XXXX ) is different from my record ( XXXX ), I can't help wondering if her information is true. 
It might be a crime for me to take action hastily. 

Conversations between Paypal and XXXX would be provided at your request.

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 monetary relief
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: CO

Complaint narrative:
My loan was cleared to close on XX/XX/2020. We finally were able to get the loan closed on XX/XX/2020 with a Right to Cancel deadline date of XX/XX/2020. Disbursement date of XX/XX/2020. 
On the day the loan was supposed to fund, the Lender informed me : There are some loans currently still in the funding queue with document dates in XXXX that they are pushing through. I understand the back log is frustrating and they are working through the loans as fast as they can. 

Meanwhile, my clients loan payoff and rate lock is only good until XXXX  XX/XX/XXXX. The Lender has still not informed me who will be paying the daily interest and any fees associated with them not funding the loan. 

Another issue is now that we've closed and we're past the 3 day Right of Rescission, we're stuck here and are unsure what actions we can take. 

These actions are going to create significant adverse actions on all the clients/borrowers they're closing loans for, this could include negative credit reporting and additional costs to the borrower. 

This Lender is still advertising the lowest rates in the wholesale market and they're not even able to maintain the obligations they currently have to the existing consumers. What actions can we take with this?

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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX ext. XXXX XXXX : I received a telephone call from Mr. XXXX ( on my cell phone ). Mr. XXXX made no mention of proceeding with refinance or his investigation into my concerns of fraud by Wells Faro employees ( although he has made multiple time extensions and there have been multiple notifications to me of delays for said claimed investigation ). Mr. XXXX stated he was going to send me a copy of my current amortization schedule. When I asked, why, he claimed to believe that I had made this complaint ( that is well documented, by now ) wanting a copy of my amortization schedule. 

If he truly believed that, why didn't he just print one up and send it to me when I made the complaint initially? The fact that he didn't shows consciousness of guilt regarding disingenuousness of his absurd assertion and fraudulent attempt to mislead this customer of financial services provided by his employer, Wells Fargo. 

I have had at least three prior phone converstions with XXXX. I have never, in writing nor verbally, requested a copy of my current amortization schedule. To be clear ( as I have been from the begining ), Wells Fargo will refinance my current loan or Wells Fargo will re-amortize my payments. This is NON-NEGOTIABLE. 

During our first converstion, we discussed a Wells Fargo 's employees prior refusal to re-amortize my loan and her claim that it was not allowed by federal guidalines and law. If you read initial complaint, here, you will see that I believe this to be a falsehood. During the XXXX converstion with Mr. XXXX, Mr. XXXX stated repeatedly that it was policy ( Wells Fargo Policy was the alussion ). Which is it? It can not be both. Either I was refused re-amortization becuase of federal guidalines and law or due to Wells Fargo policy. One, or both, of the employees used specific verbage in an attempt to mislead ( fraudulently ) this customer of financial services provided by thier employer, Wells Fargo. 

It is my sincere hope that Wells Fargo will address and correct disingenuous statements, actions, and lack of actions perpetuating fruad with the intent to mislead and disenfranchise this protected class customer and which XXXX XXXX, XXXX XXXX and Wells Fargo XXXX. XXXXl, can be held jointly and severably liable. Should Wells Fargo fail to correct these egregious actions, I will have no choice report them to FINRA and NASAA, and to seek civil remedy. 

Per my last converstion with Mr. XXXX, he will conclude his claimed investigation within 10 days. 

Choose Wisely, 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 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CO

Complaint narrative:
Four checks were sent out using Us Bank 's bill payment service. Only one of those checks were received the other three were outstanding. I had to call several times to have to place stop payment on those checks and to have the funds returned to my account. Two out of the three checks had the funds returned ; however a check for {$2000.00} sent out in XXXX still has not been returned to my account. I have made numerous calls to Us Bank and have escalated this 5 times to a supervisor. Several cases have been created but nothing is done. Us Bank has refused to give me their physical address in order to send a demand letter. Hold times to speak with someone is well over two hours and several times these calls are disconnected. After the last case number XXXX was created I called Us Bank to follow up with them, which is three months after the bill pay was created, and I was told the case was resolved. Apparently the check has been cashed and they can't put a stop payment on it. Again, no followup with me. They couldn't tell me when the check was cashed or by what institution. I'm asking the FDIC to get involved before I retain an attorney at $ XXXXhr to resolve this. Us Bank has been uncooperative during this entire process. They have shown zero  curtesy to return one phone call which has been promised several times. This bank hasn't done one thing to try and resolve the problem which they created. The  {$2000.00} check was written to XXXX which is a XXXX XXXX XXXX. XXXX never received the payment and this amount has never been deposited into any of XXXX 's bank accounts.

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 2020-09-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a charge off in the amount of {$15000.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had a prior dispute resolved with Experian regarding a collection which was reporting inaccurate information. The collection account was listed under Convergent Outsourcing and was successfully removed from my credit report after several disputes with the credit bureaus. There were also CFPB complaints filed under ID XXXX and XXXX. Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Experian. The account should not have been reinserted in the first place.

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 2020-09-11 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: UT

Complaint narrative:
XXXX XXXX - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: UT

Complaint narrative:
XXXX XXXX  - XXXX - Is reporting inaccurate information on my credit report. they are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with XXXX, as I have many accounts with them. I set up the auto draft and payments with a representative who actually made a mistake & put the payment toward one of my other accounts in error. I have never been late & I have & have had multiple accounts with you guys for as long as I can remember. I am a long time customer and this was not my fault. 
I would like this late removed due to their error.

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 2020-09-11 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: MA

Complaint narrative:
This is my second complaint for Experian and XXXX. I tried to fix it within the credit bureau with no luck and no help from Experian or XXXX. XXXX XXXX DID fix it. 

As you can see by the attached report, Experian and XXXX  has me as having 3 late accounts. This has hurt my credit and shows up when it is pulled by a lender. Experian repeatedly just says a bankruptcy stays on your credit. This isn't about that, I under stand that. This is about Experian and XXXX saying that I have negative, lates from XXXX XXXX, XXXX, and XXXX. None of those accounts were late, those companies said that no late payments were every submitted. Yet, Experian and XXXX has my report showing late payments. All they did was to send out a dispute to those companies, rather than fix their internal error. They must be doing nothing more than assuming they were late, since, again those companies never reported late payments. Those were included in a chapter XXXX bankruptcy, however the loans with XXXX and XXXX XXXX were always paid, on time and outside of the bankruptcy and paid in full. I have the titles to both cars. XXXX was also included and received an agreed payment through the courts to settle the debt. No late payments were made to XXXX up to the day it went to receiving court payments. 

Finally, Experian sent me a report of their resolution, but none was made. Funny how they can say this is done, when I got a call from XXXX XXXX yesterday saying they were actually trying to help me. Also, experian included a credit report showing the accounts before and after they " updated '' them. The ONLY thing that they changed was that these 3 accounts, which were supposed to fall off my credit in XXXX, NOW fall off in XXXX. How can they extend how long these stay on the report, unless punishment for reporting their error to the CFPB. They did nothing more than make the situation worse. 


Isn't it some kind of fraud to put false information on a report? 

Attached you can clearly see where the Experian and XXXX report shows 3 false late 's.

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 2020-09-11 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XXXX, 2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-11 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: TX

Complaint narrative:
XXXX ; Experian and XXXX should not be reporting a charge off in the amount of {$15000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been working with XXXX XXXX XXXX XXXX and the XXXX account was settled in XX/XX/2020 and should be updated to report a {$0.00} balance. I have attached documentation for reference that this account has in fact been settled. This false reporting of a charge off is seriously harming my credit score and this line item needs to be updated and/or removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The dispute process with Transunion is non existent. The online dispute web-page/website does not work. If you are able to get someone on the phone and get a dispute started it never seems to get investigated, resolved, or changed. It just evaporates and the disputed data is not revised removed or otherwise changed. This is not a new situation. 
Transunion should not be allowed to report on a persons credit worthiness if they are unwilling to do the leg work to maintain the data they report as correct. I would think that there are laws that govern this in the United States. 
Respectfully, 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 2020-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation