vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/21 I contacted Discover Home Loans for a payoff letter to find out that I was placed in something called forbearance. 

I never requested or even called them or logged in. I asked how this could happen and they could not answer my questions. 

They did not process my XXXX payment so I gave them a payment over the phone and they took that and said they would apply my XXXX payment to my XXXX payment. Today on XX/XX/21 discover sent me another email saying in the forbearance program I have called and have records of the calls Please expedient this request to help me and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Refinance complaint against Amersave. 

Data : Loan # XXXX, XXXX XXXX XXXX Customer : XXXX XXXX XXXX, XXXX Agents : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX Issue : I was asked to pay for a appraisal to complete the loan process with a preferred rate. All other documents have been received and process. The lender indicated that the Appraisal has been completed for 15 days but they do not have access to report. I asked if I could have the name of the appraisal company that I paid for? The rep said no. I asked why? no response. I asked if their was a reason for the delay other than waiting until the rates go up? they said that would not happen. I asked them how to lock the rate? No one would answer the question. 

I am asking them specifically to provide the information on the company that completed the appraisal that I paid for. Am I allowed to have this information to verify for myself why the report is delayed.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: GA

Complaint narrative:
Company named XXXX XXXX XXXX is trying to collect on a debt that is not owed. I never had service with this company. My information was used to open multiple accounts in my name and they are all fraudulent. Please immediately remove this account from all 3 bureaus and delete the trade line, Also please stop collections on this account asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NC

Complaint narrative:
On XX/XX/XXXX, I went online to pay my bill and saw that they were offering a Deferment Program for people who had been affected by the pandemic and were having problems paying their bills. I called their office and was told that I could defer two months, but that they would be adding seven months of payments onto the end of my last payment. Seeing as I had no choice, I agreed. I had no money and was no longer working because of the NC Governor 's Stay-At-Home Order because of Covid-19. I questioned the seven months, but was told this was what they were offering. Seven months for two months of deferred payments. 

On XX/XX/XXXX, I went online to see if another deferral was offered since I was still not working and had received no unemployment pay. They were offering another two months. I did not call the office this time, because I could do everything online. When I finished my application online, I submitted it. I was not told that there would be any additional months added to the end of my loan, and I was very relieved. 

I began working a gig job in late XXXX, so in XXXX I was able to resume payments. I went online to check my status and was surprised to see that they had added an additional three months without my knowledge or approval. Instead of a 36-month loan, I was not at 46 months for four months of deferral during a pandemic. I called the office to question them about this, but they again said that this was the deal even though I knew nothing about it. I continued to make payments from XXXX thru XXXX thinking that I was making a dent in my balance. 

In XX/XX/XXXX, I went online to see my current payment history and was shocked to see that only four of my ten total payments was documented online. I began calling their office to ask if I could get an email copy of my payments, but four times that I called, I was put on long Holds, then disconnected. I finally asked to speak to a manager, but was emailed a copy by an agent before she transferred me. I then noticed that five of the payments that I made in XXXX, {$400.00} each month, all went to interest. No money was applied to my principal. I understood now why agents were putting me on long Holds and then disconnecting. They probably found it difficult to try to explain five months of interest, over {$2000.00}, having been applied to my account. Once again, I knew nothing about this. If you have already added ten months to the end of my loan, why would {$2000.00} be applied to the loan at this time? 

What this company is doing has to be unethical and that is why I am writing submitting this complaint. 

Thank you.

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

Complaint narrative:
Back in XX/XX/XXXX I reached out to XXXX XXXX  after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX  lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!

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 2021-03-05 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: VA

Complaint narrative:
Back in XX/XX/XXXX I reached out to XXXX XXXXl after I noticed a huge drop in my credit score. They had reported a 60 day overdue notice to the credit bureau. I got my new XXXX lease in XX/XX/XXXX. Paid the first payment at the dealer, and awaited my first statement from XXXX XXXX for the next payment, so that I could use that information to set-up my online account and start to make payments. When I left the dealer, no lease account information was given, they said I had to wait for my first XXXX XXXX statement in the mail. A month went by into XXXX and I never received a statement. I called the leasing department of XXXX XXXX in XXXX VA multiple times asking them how I can pay my next bill. No one returned my calls. I finally received the statement in the mail for those last 3 payments for {$1300.00} and paid it immediately upon receipt in XXXX, as you can see from the attached screenshot. In XXXX I reached out to XXXX XXXX to have them investigate what happened and for their credit team to reach out to the credit bureaus to remove this late payment from my report. I called back multiple times and spoke with agents saying there was still no response on the case, no updates. Finally I spoke with someone on XX/XX/XXXX and that agent told me their credit department found their report to the credit agency to be valid, as my payment was late. Which clearly we already knew as I was late paying because I had no way to pay it, without an account number from them. On that date they submitted a new case, case # XXXX to have a one time courtesy removal of this and report to the credit agencies. They said it would take at most 45 days to remove from my credit report. I have called back multiple times since XXXX, and have gotten told there is still no response on my case, every agent says they send an " escalation '' email and I should have a response back in 1-2 business days. After that timeframe, I call back again and get the same response. Every agent also says their internal credit department does not have a phone number for internal employees to call, or for myself to call and ask for an update. This is unfairly stayed on my credit report since XXXX now and I've had enough of the back and forth with no resolution!

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My account is on hold and I am unable to access my money. This is a Venmo issue with not being able to release the hold on my account. They are saying there is nothing they can do and I have to wait until the issue gets resolved. I have a Mastercard debit from Venmo. My account says they are waiting for a repayment to clear on XX/XX/2021 for {$70.00} at that time my account will be automatically reactivated. They say It is an issue on their end, but can not do anything about it. I have to wait for I do not know how long. I feel like it is a huge issue and needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Dear Experian : You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX, Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord -  XXXX Reason : This inquiry was not authorized Credit Inquiry from EXPERIAN XXXX XXXX  Inquiry Info : HARD Inquiry : MiscellaneousAndPublicRecord - XXXX Reason : This inquiry was not authorized XXXXredit Inquiry from XXXX CARD, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Reason : This inquiry was not authorized Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXXXXXX XXXX  XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX Account : XXXX Reason : Please verify this account Creditor XXXX XXXX XXXX &, Account : XXXX Reason : Please verify this account

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 2021-03-05 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: GA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days, and I have yet to get a response.

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 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
Hello, to whom it may concern i am writing to you because my mortgage lender modified my loan back in XX/XX/2020. Since then i been asking for them to mail a copy of the final loan modification agreement. 


Since then they keep telling me they are working on it to update their system and bring the account current since it was modified. 

Now after 4 months trying to even get someone on the line from my mortgage company they keep blaming each other telling me that investor lost my loan modification agreement ( the final one ) and i have to re apply all over again. 

Which on the mortgage statement i am now showing behind with all payments. please help since i am XXXX years old and i dont have the energy to be after my mortgage company trying to fix their mistake. 

Please help!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2021-03-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent many dispute letters to XXXX, XXXX, and TransUnion to dispute erroneous accounts that are present with no responses sent back from any of the bureaus. They have violated the Fair Credit Reporting Act and the credit bureaus should remove the disputed accounts. I have attached the latest disputed letters along with the certified mail receipt numbers for the letters. 

XXXX XXXX XXXX TransUnion 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 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
The company then sent me information about trying to collect a debt from me but they didn't provide the proper validation to prove that i owe a debt to the company Even though they provide me a statement according to law that 15 usc 1692 g that still doesn't suffice that the debt was mine only an assumption also they are in violation of 15 Usc 1692g because they never sent this information within 5 days of initial communication. Also they are in violation 15 usc 1692b, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collectors are also violating 15 usc 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The Debt collector also contacted me at an time of inconvenience. According to 15 usc code 1692c at ANY unusual time or place or a time or place known or which should be known to be inconvenient to the CONSUMER. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; On the attachments i provide proof of each violation by highlighting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
ever since i got this phone number in XXXX, i have received a phone call every single day. they leave no message. every single day. i do not owe debt nor have i previously been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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 recently filed a dispute XXXX stating I have fraudulent items on my report and it was said deemed correct. I reported that XXXX had a vehicle on my credit report which was not my vehicle but my ex XXXX XXXX. The information came back that XXXX didn't have any idea who she was. At not one point did I ever have ownership of the vehicle and was not notified of the repo until it was sold. In the claim number above XXXX stated they did not have any record of XXXX XXXX the owner of the vehicle and the only person to ever have the vehicle. I'm refiling the claim because I have proof they were being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hey we have been contacting paypal for 3 months and every-time an agent say I will immediately escalate your demand to the relevant department and will get back to you shortly when we have updates. and he will never come back. 
the problem is : we were having some problems with delivery in the lockdown months due to covid-19 and we had some more cases coming then paypal put a hard reserve percentage ( 90 % for 80 days ) on our account which no business can survive with this reserve percentage and we understand that. but we put also a hard effort to deliver the orders as faster as we can. and we delivered all the orders to our costumers and we solved all the cases most of them in our favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
XXXX @ XXXX XXXX I received a Text massage call via my phone ( Hi this is XXXX from XXXX XXXX (? ) Delivery Service calling with an urgent message regarding a delivery for both XXXX (? ) XXXX. Please give us a call to our toll free number well provide you with full detail about whats been deliver and help you reschedule. Also due to the COVID-19 is that were doing courtesy calls before sending anything out. Im. ) I received a voice mail also saying that the Reference number is XXXX and to call XXXX. 

I called the number and was informed that I had a Balance due on a XXXX XXXX  through XXXX from XXXX to XXXX and XXXX XXXX was handling this account and that I had made Payments, I have never had a XXXX XXXX nor have I ever Singed anything authorizing the use of a XXXX XXXX account and I made no such Payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC of XXXX. XXXX XXXX XXXX south Carolina XXXX has been sending me past due payment notices in the amount of {$68.00}. The collectionhas been reported also as a past due balance. I do not know this company. I have had no business with this company. This company could not and does not have a contract with my legal signature on it.

Company response to consumer: Closed with explanation