vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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:
XXXX ; XXXX and Transunion are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please  remove this line item from my credit report.

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 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
2nd installment of taxes were due XX/XX/19. Escrow payments were collected in the full amount with surplus. I called in to verify and sent a letter of past due payments. XXXX my account shows the money was withdrawn. Taxes are still not paid and are now incurring penalties and fees. I have asked for a proof of the check that was issued along with proof of penalties and fee payments. XX/XX/XXXX and still no progress. 

No supervisor has ever called me back, I have called over 20 times now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: SC

Complaint narrative:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

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 2019-06-25 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: SC

Complaint narrative:
From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I called Jefferson capital group llc. early in XXXX of 2019. They were hired by XXXX XXXX XXXX to collect a debt to settle the account. Before I paid to settle the account, I negotiated with the Jefferson capital group representative for them to provide me a letter stating the debt has been settled and to remove this item from my credit report. I spoke at length with jefferson capital group, and they will not stand behind their employee who told me that he would provide me the letter. 
My credit report still shows the debt, and it has not been removed from my credit report as stated thus dragging my score down after I settled this debt. ( paid, satisfied ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Hello, I am the attorney for XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. XXXX provided my law firm authorization to request a mortgage payoff - she is currently in default, but has sold her home. I contacted Freedom Mortgage with a written request for payoff with my authorization. My request was e-mailed on XX/XX/2019, and I received an e-mail response my request was received. 

I contacted Freedom Mortgage on XX/XX/2019, as I had not seen a payoff statement. I was informed her loan was in default and the payoff would take 5-7 days. I explained they received my request 7 days earlier ... I've since been told they did not initiate the payoff until XX/XX/XXXX after receiving my call. 

As part of the payoff process, Freedom Mortgage has to request attorney fees from the foreclosure attorney. I have also e-mailed and telephoned the law firm requesting they provide Freedom Mortgage their fees. I've yet received a reply. 

I am currently on hold with Freedom Mortgage once again. During this conversation, Freedom advised me they will not contact their own foreclosure attorney to obtain their fees. They simply make the request. Freedom offered to give me the law firm 's contact information so I might contact them. They indicated whenever they get the information they will complete a payoff, but are not going to do anything assertive to actually obtain the foreclosure fees to complete a payoff. 

We are almost 3 weeks after the initial inquiry and still no written payoff. Please help.

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 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: GFS II, LLC
State: IN

Complaint narrative:
I get called every other day. They are nasty and rude. They even call family members and people we listed as a reference. I have asked them to stop calling and emailing me and they havent. I emailed them twice telling them to stop and to send everything through usps mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
XXXX XXXX a loan was taken with XXXX.then went to XXXX In XXXX the loan was transferred to XXXX. In XXXX I lost my husband who was a veteran that is when I noticed my payments had not been applied. A XXXX XXXX rep stated that payable on death benefits had been applied insurance for the home no debt was owed. Then 6 months later XXXX came in play with new account numbers and new loan. I have never had a account with XXXX or ever gave consent to contract with them. XX/XX/XXXX caliber came in to play stated they foreclosed on my home. I have never had a contract with Caliber or XXXX. XXXX of XXXX XXXX XXXX enter my home changed the locks and put my items to the curb. i checked the county records and states now that XXXX XXXX XXXX   XXXX XXXX is the owner of my home I have had for 12 years. I would like to the the note, contract and Power of attorney gave them the right to do this to myself and my children. They put us on the streets, I was never compensated of any of the hard work and labor we put in to our homestead. A declaration of homestead was filed in the county also also asking for XXXX I also alerted the sheriff. All these entities have harmed and hurt my daughters and I. XXXX XXXX reality have my home up for sale. They were caught 2 years ago lying and stated XXXX foreclosed and I provided proof from XXXX admitting they never foreclosed. Was this not turned into investment why was I never compensated? Caliber sent a 1099 A to the IRS that I had income of this home of XXXX. How was this income they took my home and though me to the street and XXXX daughters. What is happening in America today is unjust and stealing homes some thing needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
XXXX  XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date isXX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX  and was told The servicing was sold to a company called SLS Specialized Loan Servicing . 

I was never notified by XXXX XXXX XXXX or SLS ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on SLS that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about SLS they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 2019-06-25 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: MA

Complaint narrative:
XXXX XXXX XXXX Reported my heloc payment for XXXX as a 30 day late when it was not. Due to incorrect information on their web page the payment sent was {$63.00} short ... .I immediately paid that amount when I found out but still reported me late. I want that derogatory mark removed asap ... 

# 2 and far more important my payment due date is XX/XX/XXXX tomorrow ... I just went on line to pay and the account is GONE ... .I called XXXX and was told The servicing was sold to a company called XXXX XXXX XXXX XXXX . 

I was never notified by XXXX XXXX XXXX or XXXX ... ..I believe there are laws protecting the consumer in this situation. My understanding is by law I should been notified at least 15 days prior to the sale date ... .I have not notified by anyone and If I did't call I wouldn't know..I now do not know where to send my payment and am sure after reading the horrible reviews on XXXX that I will be put in a compromising position due to no fault of my own .You must have read the on line reviews and fielded many complaints. HOw can this company still be operating? 
1. I want the derogatory remarks from XXXX  removed immediately 2. I want to know what remedy I have under the law for not being notified of this transfer ... this has to be illegal If I have not been notified. 
3. I want to know what protection I have as I do know where to send my payment which is due tomorrow and from the reviews I read about XXXX they will still report it late due ti know fault on my part Thank You and PLEASE help help me 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 2019-06-25 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, Equifax and XXXX  are all reporting lates on my XXXX XXXX accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
PayPal account : XXXX On XX/XX/XXXX, XXXX XXXX sent a payment for {$1300.00} for a XXXX ceritified diamond ring with 14k gold band via PayPal goods and services absent of a description. I contacted PayPal the same day asking if I should ship because the buyer didnt put a description and they advised me too. However, the buyer also filed a chargeback the same day he sent the payment without giving me time to ship. After I shipped via USPS, the buyer claimed that he received a worthless item and XXXX. After this, the buyer changed the reason for his chargeback and PayPal refunded the payment in full, leaving me to pay the transaction fees. However, I have photo and video evidence of me shipping the item out and communication directly with the buyer on what he purchased. PayPal did not even ask the buyer to ship the item back under the reason that he claimed what he received was worthless which is fraud on both the buyers end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I filled out an application to have my IRA transferred from Citi Personal Wealth Management to Citibank Retirement Services. It has been six weeks and the funds still have not been deposited into my account. I have lost approximately {$570.00} of interest. Since these two institutions are one in the same, it should not take six weeks.

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 2019-06-25 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: UT

Complaint narrative:
XXXX, XXXX and TransUnion are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these 2019 lates. I would like all these lates removed from my 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 2019-06-25 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:
Experian, XXXX and XXXX are all reporting lates on my Federal Loan accounts that should not be reporting. My accounts were in deferment at this time and there should not be any lates reported. I have proof attached that the accounts were in deferment and the bureaus are reporting inaccurately on these XX/XX/2019 lates. I would like all these lates removed from my 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 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was trying to make a check withdrawal XXXX {$150.00} XXXX from my papal account. The PayPal system ( once again ) won't allow me to make a check withdrawal. I have made check withdrawals many times via PayPal in the past. This is still an option on the PayPal system. No information has changed on my account. 

I had an identical problem three months ago with PayPal and I filed a complaint with CFPB. The problem was resolved when PayPal sent me a code to verify my phone. They seem obsessed with verifying phones and tracking people via their phone. They can see that I called from my phone, yet they still insist on sending me a text code. This is insane. I don't have a smart phone. 

Each time this recurring problem happens with PayPal they seem want me to " jump through another hoop '' just to withdraw my little funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25 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: FL

Complaint narrative:
Why did my report drop by 17points?

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 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: GA

Complaint narrative:
I, XXXX XXXX ( Formerly XXXX XXXX ), have been taken advantage of by US Bank National Association, located at XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX. I applied for an XXXX XXXX XXXX back in XXXX and received a letter from US Bank on XXXX XXXX, XXXX, stating that my XXXX XXXX XXXX ending in XXXX would be replaced by my new US Bank Card, with an outstanding monetary credit limit, that could be used to pay off bills. I lost my job and became delinquent in payment. I entrusted XXXX XXXX XXXX to consolidate my credit cards and they dropped me as a client. All of my creditors came in on me. US Bank National Association turned my account over to XXXX XXXX XXXX, XXXX. to collect payment. I immediately contacted them by way of phone to offer some sort of payment. I started sending in " good faith '' payments. They are not willing to make a realistic settlement agreement with me. Why?, I do not know. They proceeded to take me to court. My court date is scheduled for XX/XX/XXXX, at XXXX XXXX. 
I received requested paperwork from XXXX XXXX XXXX, XXXX. on XX/XX/XXXX, concerning my account history with blackened out account numbers. I requested copies of my account transactions for XXXX XXXX ending in XXXX, from dates ranging from the initial opening of my XXXX account to the closing of my XXXX account. I requested copies of my US Bank National Association Credit Card ending in XXXX, from dates extending to the transfer of my to XXXX XXXX XXXX, XXXX. XXXX  XXXX, for collection. I only received a partial part of the paperwork, that I requested with the account numbers blackened out. What is the Law Firm trying to hide. There are some fraudulent activities going on. The firm is hiding information from me. What other information has been altered in order to squeeze my hard earned money out of my pockets. 

Please Investigate this matter, Thanks, XXXX XXXX ( Formerly 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 2019-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I bought tickets from a man who created a fake profile on XXXX, and was unable to cancel or get my transaction refunded by PayPal when I discovered the man was a fraud. Since he was a fraud, I did not receive the merchandise that I paid for. I contacted PayPal but they were unable to refund the purchase, even though I didn't receive anything. Not sure if there is anything that can be done, but the man who is practicing fraud is XXXX XXXX and his email is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 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: PA

Complaint narrative:
My service for XXXX XXXX was cancelled on XX/XX/XXXX. I had been a customer with 100 % on time payments since XX/XX/XXXX. My final bill was paid through XX/XX/XXXX. I understood that there was a termination fee given I was six days short of an equipment contract. 
I opened a dispute with my credit card company on XX/XX/XXXX for {$70.00} detailing the above. XXXX never disputed my claim. In a letter dated XX/XX/XXXX from XXXX XXXX I was informed that they were hired to collect a debt of {$150.00}. I responded to this with a certified letter requesting documentation of the amount due and copied XXXX as well. On XX/XX/XXXX I paid what I thought was my final payment to XXXX for {$88.00} for the early termination ( which also seemed incorrect. On XX/XX/XXXX I received a notice of debt from XXXX XXXX XXXX for {$70.00}. I requested the same information from them and still no response. On XX/XX/XXXX I was alerted to a negative credit item on my Experian credit report. I disputed it, sending all the documentation I have described. They closed it saying updated but no changes or explanation was made.

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