vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 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: MO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, XXXX   reports the item as Open and active in collections. XXXX   reports the item as a Charge Off, meaning that I still owe money for the account. Equifax still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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: GA

Complaint narrative:
The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I  was 90 days late in XXXX and in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 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: GA

Complaint narrative:
The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I was 90 days late in XXXX and in 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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
The debt collector Source Receivables is attempting to collect a debt on behalf XXXX. I don't know the chargers or reason of the collection and I didn't receive enough information to verify the debt, I asked to the collector for a full Itemized statement but they refused to mail me the bill that they are collecting because they don't have it on file. I assume is a balance with XXXX is because XXXX never applied a credit that they supposed to do, -so XXXX promised a credit but never applied in the account-. 
I called the collector and disputed the account because they never gave me the chance to pay the bill before they report the collection account with the credit report agencies, they said they sent me an initial notice of right to dispute my old address on the XXXX XXXX XXXX XXXX, XXXX XXXX CA, but I am not longer living there since 2018, even my new address is in a different city but the collector said " that is irrelevant '' I told the collector my intention to dispute this account because I don't known the charges and I think XXXX has to apply the credit that they promised, but they collector said I can not dispute the bill I just have to pay it and for the collector the initial told the collector my but the collector said that is irrelevant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2019 I purchase a vacation package from XXXX XXXX on line. I choose my vacation dates and I was sent a email stating the resort promised was sold out for the entire year. I called them the next day to canx but they said to wait for a couple of months and things would open up and to be patient. In XXXX I tried again and they said that I did not qualify for this vacation but I could be upgraded to their gold package. Again I tried to canx but they said I could not. I contacted Bank Of America on several occasions and they sent me jumping through many, many hoops and then stating they never heard from me only once. I am so worn out from this fraud purchase for {$99.00}! 
I contacted the XXXX and the company stated it was a accounting error and the check would be sent out right away. Of course it was not. The XXXX reopened the case and again they said they would refund but nothing. Bank Of America has been awful and lacking in customer service skills, they refuse to help! This fraud company keeps collecting money and never refunds and is getting away with it!

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 2019-08-29 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: MO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. XXXX XXXX XXXX is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. XXXX XXXX XXXX, however, only reports with their reference number XXXX. Because of this error, all three bureaus have reported on this incorrectly. Experian has showed this item either as a Charge Off, or even as being in collections as recently as last month, even though the account has been Closed and Paid In Full since 2016. I have sent a copy of this complaint to National Credit Adjusters, XXXX and XXXX through the Consumer Finance Protection Bureau, and now am sending a copy to Experian, due to being limited to contacting only three companies at a time per complaint.

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 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
In XXXX we financed our home with Option One Mortage ( first and second ), we refinanced in XXXX with another bank. However, when going to the XXXX County Wisconsin, Register of Deeds, we have found out the Option One Mortage never sent the paperwork over to the courthouse to record it a satisfied. I have tried getting ahold of Option One Mortgage, the closing companies as well as my current mortgage holder and can't get anywhere. How can a company claim they were never paid for a mortgage loan when it was refinanced?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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
State: KY

Complaint narrative:
On XX/XX/19 I transferred {$250.00} from my PayPal account to my bank card. I paid the 10 % fee for instant transfer but after 3 hours the money never reached my bank but it disappeared from my PayPal account. I contacted PayPal and was told to check with my bank. My bank said that PayPal declined the transfer and that's why it didn't go thru. But when I contact PayPal again this time they said it was a communication error. I have spoke with multiple people at PayPal and no one can tell me where my money went nor will they will me when I will get it back. This is a lot of money for me. And I can't get ant straight answers from PayPal about when I will get it back. They said they don't guarantee these transactions but that can't be right. They can't just lose my money like that can they?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I requested proof of ownership several times via certified mail. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and again on XX/XX/2018. I have disputed this account with the collection company and all three credit reporting agencies. I have requested proof of ownership and have received no proof just different offers to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC

Complaint narrative:
I have reached out to the Financial department of Westlake 's Financial Services to apply for my SCRA benefits as I am a XXXX XXXX back in XX/XX/XXXX letting them know that my XXXX XXXX start date is XX/XX/XXXX. 
I have repeatedly called them because the interest rate and new payment was not applied to my account until XX/XX/XXXX. I have been hung up on by staff and supervisors when I request the break down of how my interest rate was applied. My command sent me to a financial counselor who called the company and spoke with XXXX. we were placed on hold multiple times with an end result of them explaining that they would fax the paperwork requested and that their record shows this was applied on XX/XX/XXXX. We have yet to receive a fax showing the breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
National Credit Adjusters is reporting an account with the INCORRECT ACCOUNT NUMBER, thus all three bureaus are reporting on this item incorrectly. The account number XXXX. The collection was originally through a lender called XXXX. Nation credit adjusters, however, only reports with their reference number XXXX. Because of this error, XXXX  reports the item as Open and active in collections. XXXX  reports the item as a Charge Off, meaning that I still owe money for the account. XXXX  still shows the account as Open in collections. This account should not be displayed as Active or Open in collections. It should be Closed. I should have zero accounts active or open in collections. It should be displayed as Paid In Full, not as a Charge Off. I have been trying to refinance my mortgage and this issue being displayed incorrectly is causing me undue financial stress. I do not want to have to file suit under the Fair Credit Reporting Act but its at the point where theres no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I have been harassed by U.S. Bank or rather the U.S. Bank National Association since XXXX. After the market crash in XXXX, U.S. Bank became the Indenture Trustee of a student loan asset-backed security fund administered by the former XXXX XXXX XXXX. I obtained a prospectus from XXXX XXXX which confirms that U.S. Bank was the Indenture Trustee. Several years later, I was sued by this fund despite the fact that there was no letter of true sale or proof of true sale vis -- vis GAAP protocol. To use more candid wording, they sued me without proof that I even owed them any money. I have a deposition wherein this fraud is admitted. After years of emotional distress due to this unlawful lawsuit, I was forced to get 2 years of XXXX XXXX for XXXX and XXXX XXXX. In order to pay for this XXXX, I had to cash out an IRA that was managed by none other than U.S. Bank, the very organization that was suing me as Indenture Trustee. U.S. Bank delayed my check so long from my liquidated IRA that I had to delay my XXXX, remaining in XXXX all the while. Now, as a caregiver for my XXXX veteran grandfather over on XXXX XXXX, the only bank that is available is none other than U.S. Bank once again. In the last month, my U.S. Bank account has been hacked and I was urged to apply for a secured credit card for which I was promptly rejected. Prior to applying for this credit card, I was urged to do a money order for {$300.00}. I have yet to receive the {$300.00} back despite being rejected for the secured credit card. I am seeking full restitution for all the harm U.S. Bank has caused me over the past decade. Over the past decade, this bank has defrauded me via a lawsuit, delayed receipt of my IRA liquidation check so that I had to remain in XXXX, and now allowed me to get hacked and solicited me on a credit card for which I was ineligible. I plead for you to regulate this bank in order to stop its functionaries from destroying people 's lives as it has destroyed mine. 

Thank you for your assistance, 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 2019-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rubin & Rothman, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX my XXXX XXXX was one month away from lease being complete. I was paying the car note. The XXXX  was impounded by XXXX for tickets. Since it was so close to time to return vehicle and I wanted to be transparent, by notifying XXXX XXXX XXXX XXXX, they told me since they were title holder they could get car out of impound, they never told me they would consider this a default to my lease agreement. Once that was done they considered a default on my lease agreement and charged me for the entire amount of car. I paid over {$4000.00} then stopped paying in XXXX. This year I received a notice in XXXX XXXX that a judgement to garnish wages have been taken against me. I live in XXXX and have been for 8 years. They are demanding I pay {$8100.00} for this car loan to XXXX XXXX XXXX. They took possession of the car and I paid over {$4000.00}. They are threatening to garnish wages. This would devastate me considering I am currently a single income household.

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 2019-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
I received notification of an increase in my mortgage payment effective XX/XX/2019. According to the statement I received, my monthly payment would increase from {$590.00} to {$640.00} unless I chose to pay a lump sum of {$480.00} to cover an escrow shortage by XX/XX/19. I sent in a check for {$490.00} along with the statement slip to cover the escrow shortage mortgage coupon as directed. My check included " Escrow Shortage '' and the acct number on the memo line. My monthly payment for XXXX was sent to Lakeview through my bank auto pay in the amount of {$610.00}. Lakeview processed the escrow payment on XX/XX/2019 which should have changed my monthly payment amount to {$600.00}. However, my statements since XXXX have shown {$640.00} as the amount due. When I looked at my payment history online, I found Lakeview had applied the {$490.00} as a partial monthly payment for the following month ( XXXX ) instead of an escrow shortage payment. When my XXXX payment was automatically sent at the end of XXXX, Lakeview posted it as a Principal Curtailment rather than my monthly payment. I emailed Lakeview customer service on XX/XX/XXXX after submitting an inquiry to Customer Service via their website and not receiving a response. No response to my email either. 
I mailed a letter to Lakeview in mid-XXXX asking them to properly credit the {$490.00} posted on XX/XX/2019 as an escrow shortage payment and correct the XXXX and XXXX payments to reflect the {$610.00} as monthly payments of {$600.00} with an additional {$3.00} as a principal curtailment. No response. 
On XX/XX/XXXX, I emailed customer service again including an explanation and a copy of the letter I had mailed the month before. Finally, on XX/XX/XXXX, I received an email response stating that Lakeview 's Payment Processing Team would be reviewing my account. Online, it shows misapplication reversals were entered on my account one of  which removed the escrow entered as a short payment then applied it on XX/XX/XXXX as an escrow payment due on XX/XX/19 ( originally due XX/XX/19 ). An escrow advance for {$330.00} was entered on XX/XX/XXXX with a due date of XX/XX/19. However, there are also 4 misapplication reversals made on XX/XX/XXXX for my monthly payments for XXXX, XXXX, XXXX and XXXX which were never reapplied correctly. There have been no other transactions since XX/XX/XXXX despite the email I sent 2 days ago telling them it now appears I am 4 mortgage payments behind.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
on XX/XX/2019 i went to the bank to withdraw some money and found out that my account was being used and took XXXX dollars from my account. this happen within several transaction. i would like to request a thourough investigation and im willing to prosecute.

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 2019-08-29 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: CA

Complaint narrative:
Hello, since my original mortgage from XXXX XXXX XXXX XXXX   was sold to XXXX, in XX/XX/2017, for some unexplained reason, the lender has stated at least in the past year, despite the fact that Ive always made my mortgage payment, that I was behind on my mortgage but did not clearly explain why. This has adversely affected my credit scores and more specifically, this past week, caused a refinance to be denied, reportedly because of these lates, which were reported to the credit bureaus. They never explained clearly to me why they were doing this and now it has affected my ability to refinance my loan, which I need to do in order to pay off all the debt Ive accumulated, in order to make my mortgage payment each month.

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 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of Mandarich law group , llp XXXX. XXXX XXXX XXXX, il. XXXX on behalf of plaintiff, XXXX XXXX, XXXX XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I knew nothing until I received a summons, suing me and my supposed spouse, " XXXX XXXX '' ( I am not married ) for " breach of contract '' in the amount of {$10000.00} by an attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, il. XXXX on behalf of plaintiff, Velocity Investments , LLC XXXX I have never heard of any of these people. The only time I owed that much to a credit card was when I was first terminated from my job for being XXXX which was 2005. Those debts were long written off of my credit report. 

Can anybody Sue me for any length of time?? 

Thank you

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX I was the victime of identity theft and wells fargo denied my claim i reported it immediately and did everything they asked me to my account was used by someone else i did not give anyone permission or access to my account but i was missing {$5000.00} i want to file this suit immediately to get my money back you can reach me at 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