vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, I am an elderly man with resources. I have employed business managers and worked with personal bankers to insure my affairs are not out of order. However even though I have done my very best to insure that i am insulated from mistakes that can occur, one can not completely protect themselves from mishaps or fraudulent activity. The late payment appearing on my Chase credit card account is not my fault it is the result of both a mishap and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
add : XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
add : XXXX XXXX XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I filed a complaint against AARGON agency previously, the complaint number is XXXX. They responded to the complaint and mentioned the following : ( Our office sent the verification letter and itemized statement to the consumer on XX/XX/2021, in response to the direct dispute letter the consumer sent to our office. ( The mail was post-marked XX/XX/2021 and we received and processed on XX/XX/2021. ) Our client is not showing insurance information was provided at the time of service. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations. ) Aargon sent a statement that shows a balance, the statement does not show the medical provider, their address or my address, just a few sheets of paper showing a balance. If their CLIENT has not shown my proof of insurance, then I need the medical provider information so I can go in person to their office and request copies of those medical records. I am entitled to copies of medical records and if this collection agency does not provide it, I have every right to go to the medical provider they are billing me for.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have three items on my credit report. Which include one XXXX XXXX card with the amount of {$650.00} and another XXXX XXXX card in the amount of {$680.00} both of these are fraud and the third is a account with XXXX XXXX XXXX XXXX {$25000.00}. Which is fraud as well. I filled in the FTC report with all the complete information. I have done a FTC and they keep telling me that the FTC report is fraudulent saying that I did not file it with the police station. You do not need to do a FTC report with a police station.

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 2021-04-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/XXXX. 

Today is XX/XX/XXXX and Its sad i still haven't even heard back from these Companies yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
i have an active account with Paypal.com to collect rent every month. in XXXX, there is a XXXX charge on the XXXX, and there are two deposits of rent, one transfer ( which i made ) but now i can not access my account. I have tried sending emails and texts to every known address. no one has contacted me, even by text. last month, there was a breach of my credit card and i think it may be related. XXXX has tried to get info from me regarding my address etc. and i refused. i think it needs looking into. at the very least, someone needs to call me, which i have requested many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a HELOC with XXXX. They went out of business and it was assigned to SLS. I filed XXXX XXXX and included SLS. That was XXXX or and never heard 1 word from SLS for 10 years. They contacted me in XX/XX/XXXX and demanded $ XXXX or they would foreclose. I pleaded with them but paid the $ XXXX. The balance should have been $ XXXX. Now Im trying to refinance to pay them off and theyve added to the balance, all payments and interest due for the past 10 years increasing what I owe to $ XXXX!!!! This is so unfair. Please help me. They are so rude and wont even discuss a solution with me. They never contacted me at all until they saw property values have greatly increased so now they want their money and threatening us. We are under so much stress and pressure 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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
On XX/XX/XXXX we received notification from XXXX XXXX XXXX about an attempt to collect an outstanding debt from XXXX XXXX XXXX XXXX in the amount of {$250.00}. ( SCS Acct # : XXXX ) We responded to the attempt to collect with a dispute on XX/XX/XXXX providing a 5 page written document and multiple pages of supporting bank account documentation and sent it via the US Postal Service to the mailing address provided by SCS XXXX Inc. ( XXXX XXXX  XXXX, XXXX, NY. XXXX ). This response to the Attempt to Collect was well within the 30-day  window required by law. 

On XX/XX/XXXX, at approximately XXXX Hours, we received a phone call from XXXX advising us she was reporting our outstanding balance to XXXX XXXX XXXX XXXX to the credit bureaus as we had not shown proof that we had filed a dispute or paid the outstanding balance of {$250.00}. ( SCS Acct # : XXXX ). 

XXXX also further stated to my wife that she had not received any formal documentation from us, felt we were lying, and XXXX XXXX XXXX is a multi-billion dollar company so why would they care if our credit was damaged due to our inability to pay. XXXX was told it was not an issue of our inability to pay, it is that we are being made to pay for charges we did not incur after our account was closed and this was not the first time we'd played this game with XXXX XXXX XXXX and on principle alone, we were not willing to pay them for services not rendered. XXXX did not leave an extension or call back number. 

XXXX is incorrect in that we DID send an entire packet of hardcopy documents to Sunrise Credit Services on XX/XX/XXXX via the XXXX Postal Service and CCd to our retained legal team at XXXX XXXX XXXX. 

Attached below you will find the entire letter initially sent to SCS , IncXXXX and the supporting documents attached as PDF copies. All of the attached documents provide a very detailed breakdown of the disputed amount and reasoning. 

All documentation was also emailed to multiple email addresses at SCS, IncXXXX on XX/XX/XXXX at approximately XXXX Hours.

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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
So I have been trying to get these fraudulent accounts off my credit report and I reach out to the 3 credit bureaus regarding this and they still haven't remove these accounts from my profile. When I call again they told me i need to get a FTC report. This is affecting me from getting my place for me and my kids. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by myself. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Someone hacked my account on XX/XX/2021 and sent {$600.00} to different people ( XXXX XXXX {$200.00}, XXXX XXXX XXXX {$200.00}, and XXXX XXXX {$200.00} ) on CashApp. Other withdrawals were attempted but blocked by my bank. CashApp and my bank XXXX  would not reverse the transactions and return the money that was stolen from my bank account via CashApp. They said it was initiated from my device but hackers are spoofing devices to steal money. I advised them of this and I did not initiate these transfers. My bank XXXX  says CashApp will not reverse the transactions and they cant do anything about it. I tried to continue to contact CashApp and they refuse to speak to me about the money that was stolen from my account. 
XXXX : XXXX Cash App Ghosting Response : Subject : RE : Canceling a Payment [ ref : XXXX : ref ] Hi there, While Id be happy to help you with any other issue, Im unable to provide further information for this particular case. 

For questions or concerns outside of this case, please reply back to me here. 

Thanks, Cash Support

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Ref : Shellpoint Mortgage XXXX XXXX of the XXXX XXXX XXXX, NY XXXX Sirs ; Shellpoint Mortgage has modified the two way payment on their payment process web. This program was designed to increase the late fees and will not allow a regular two payment amount. I pay the total amount by the XXXX of each month. One payment on the first and the next on the XXXX. 
This payment method has been used for years. The program only excepts full payment, principle payment and escrow payment in their new explanation of payment. On XX/XX/2021 the modification was found. I send {$780.00} on the first and {$780.00} on the XXXX. I can not send two payments as previously. 
Shellpoint applies any payment prior to the XXXX to principle and will not apply the amount for payment on the mortgage. The only option a client has it to mail the two payments and post date the mail sent. Write on the back of the check to cash only on the first. Otherwise it will not apply for payment and a letter of payment due is sent and added to the new statement. 
They continue to message a Bankruptcy note and the XXXX has been over 2 years. I believe that we have a right to pay in 2 payments and the total amount in by the XXXX of each month. The late fee can not apply by paying this way. Shellpoint has found a way to remove this option and apply the late fees monthly. I need help and an inquire as to why a client can not pay the amount as previous for years. 
Thank you very much

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 2021-04-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
This complaint is on behalf of my mom who has agreed that i can speak on her behalf. Champion Mortgage Company brought her loan. She had paid the taxes on her home for 30 years including the years she had the reverse mortgage. Her loan number is XXXX. She lives at XXXX XXXX  XXXX XXXX and is XXXX  years of age. Her name is XXXX XXXX, i am her daughter, XXXX XXXX. She continues to get calls saying she has to retrieve money from XXXX XXXX that they paid on the taxes that she had already paid in the amount of {$730.00}. She has the receipt of payment from her bank statements that the money was accepted. We don't feel she should have to retrieve. We have spoken with several individuals with on different dates who say something different. We need to resolve this issue and my mom can continue to live in peace in her home and pay her taxes on her own and they need to own up the original agreement on this loan. Their address is XXXX is XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

XXXX XXXX - Email : XXXX - Phone : XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
A cancellation of debt was reported by US Bank to IRS which contains inaccurate information. The cancellation of debt total was {$13000.00}, but was reported to IRS as {$26000.00} on my XXXX and on my wifes number. US Bank states that they reported it correctly and the issue is with IRS, but they state we will be taxed on the {$26000.00} amount plus penalties unless they get clarification from US Bank.

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 2021-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
In XXXX of last year I received a medical debt collection bill from a company called CMRE. The debt was for a medical bill issued from XXXX XXXX XXXX XXXX from an ER visit that occurred on XX/XX/XXXX. The total billed amount was {$740.00}. My insurance XXXX XXXX covered {$520.00} dollars of the total, leaving the allowed amount my provider could bill me at just over {$220.00}. However, once the debt was sold to collections, CMRE tried to bill me the total amount of {$740.00}, instead of the allowed amount of {$220.00}. I contacted CMRE by phone on XX/XX/XXXX to explain what had occurred, and that they were billing me the incorrect amount. They refused to listen, and continued to press me to pay the {$740.00}. XX/XX/XXXX I called CMRE again, and after some bullying from them, I asked for their mailing address so I could mail them a copy of the explanation of benefits from XXXX XXXX to clearly show proof I was being billed the wrong amount. I mailed a copy of the explanation of benefits to CMRE on XX/XX/XXXX via USPS along with contact information for my XXXX XXXX representatives and XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a new letter from CMRE that said they will not reduce the amount of the debt despite the proof of the error, and that they refuse to do anything more in regards to the issue. I have tried multiple times to resolve this with CMRE, I have sent proof that they are overfilling me for medical debt, and they do not care. It is my personal belief that they do not care about the actual amount owed, and are only focused in getting as much money from me as possible, regardless of legality or what has already been reimbursed from my insurance company. At this point I feel helpless to do anything, as they will not take proof of the error into account, and they know I have little recourse without outside intervention to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
My Father XXXX XXXX XXXX and XXXX XXXX are deceased. I, XXXX XXXX, inherited a property with debt owed to Ditech Financial. The mortgage company Ditech went bankrupt. The debt was assumed by Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX, TX XXXX. I have carried insurance on the property since their deaths with XXXX XXXXXXXX XXXX XXXX. I listed Shellpoint as the loan holder and had proof sent to Shellpoint. Without my knowledge, Shellpoint Mortgage force wrote extra insurance on the property and refused to refund the amounts charged even though the proof stated the property address has had continued coverage from 2014 to present. In addition I paid more than the due amout of {$260.00} every month amount of {$300.00}. which added to an extra payment a year. However, they raised the payment on the fixed loan to {$300.00} due to the insurance they unfairly placed on the property all the while having proof of insurance made to them. I call several times and they would not speak to me even though I said I had been authorized person on said loan for the entire time before and after my parents both passed. I resent all death related information and copy of the Will. The said I had to redo the loan with them. I do not wish to redo anything with this debtor nor did my parents have a debt with this company. The property is worth {$48000.00} and the debt is for less than {$10000.00}. I want them to refund all the forced insurance with any interest and all late fees assessed. Due to loan being an assumed mortgage, they should in good faith honor the original payment and not be able to rob someone by upping a fixed mortgage payment out of the blue. There was never a escrow account on this mortgage and they claim there is. I recieved no help the many times I called to straighten it out and because I continued to make the same payment as I have the last decade, Shellpoint stated I was at one point {$1200.00} behind on a {$260.00} loan payment due to insurance and late fees asssed. While I state I paid more than the monthly amount due which is of {$300.00}. It is unfair for Shellpoint to raise the monthly payment on a fixed loan. They further should not be able to assess any fees or interest on unnecessary and unfair insurance premiums. 
I attached a copy of the forced monthly payment increase statement from Shellpoint and also attached is the copy of my XXXX XXXXXXXX document stating on policy of Shellpoint 's interest in the insured property. My phone number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX KY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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:
I applied for a loan that I got at once with them On XX/XX/21 ... after a month on XX/XX/21 I did paid my first agreement.. hours after I received a credit alert from 2 credit report companys Checking my credit report account I found that XXXX XXXX pull out 3 times my credit report without any reason and made look that I tried to open diferentes accounts on those dates XX/XX/21. XX/XX/21 XX/XX/21 Ending decrease my credit 100 points

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