vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXX is allowing anyone with a mortgage that they are backing to extend their forbearance and additional 3-6 months on top of the 12 months already granted. I have and the property meet all the requirement but Mr. Copper computer will not allow the extra forbearance. I have talked to Mr. Cooper 1-2 times every week starting on XX/XX/XXXX. The case has gone up the chain of command a few times and they tell me there is nothing they can do. Mr. Cooper says that it must be XXXX XXXX that is not allowing the forbearance. I started the process with XXXX XXXX on XX/XX/XXXX and they say they don't see any problems and to give them 10 days. XXXX XXXX also has a calls into Mr. Cooper and were told they need 10 days to review the account. So after 1 month I am still being told to wait while being reviewed but this will be the 3-4th time I am told under review and just wait. The forbearance expires XX/XX/XXXX but told to just wait even while the end of forbearance expires tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing and challenging the de bt XXXX XXXX XXXX says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX  and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.

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 2021-03-30 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: MD

Complaint narrative:
I am disputing and challenging the debt XXXX XXXX XXXX  says I owe.

The info being reported is incorrect and its inaccurate.I would like them to verify the correct date the credit was issued.When was the account established.I dont remember this account.I am requesting a copy of my original credit application.I want a copy of every statement for every month the account was open.I dont know if this is my account.Please produce evidence that the account is mines.Again I want a copy of the original credit application and I want a copy of every statement for the life of the account.If you cant send me statements for the life of the account.It is grave violation of the FCRA.Its a violation because you refuse to produce documentation to really verifies the debt is mines.If the account isnt property verified through statements.Then remove it from all 3 credit bureaus immediately.If its not removed its a clear violation of FCRA.I am giving you 75 days to produce statements.After 75 days.Again I am giving you 75 days from reciept of this complaint.This debt being reported to my credit report hasnt been properly I will be filing a federal lawsuit.If this incorrect and inaccurate infomation is not removed from credit.I will also be filing a lawsuit aganist XXXX XXXX XXXX and the credit bureaus.If they dont produce statements for the time the account was open.I dont want the itemized detailed statement.I want all of the statement.If I have to file a lawsuit.Due to the FCRA violation. I will get a federal subpeona to get all statements and the original credit application.I want every document and statement for the history of the account.You must prove and produced evidence that this account is mine Just to let you know.I am a XXXX  student.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: OH

Complaint narrative:
I'm XXXX yrs old and have several credit cards and bank accounts. The lady on the phone for key bank mentioned I could have checks and mailed them to me. After using them when I went to pay my statement it showed {$30.00} for fee 's and shows 3 checks I wrote with a {$10.00} fee for each one. I expressed my shock to the representative over the phone and mentioned that I have other accounts and if I knew about this fee I would never have used it. When I asked for a one time credit because I'd never use them again he said to call my local branch. I called the local branch and they said to call the number on my statement again! 

XX/XX/21 {$10.00} XX/XX/21 {$10.00} XX/XX/21 {$10.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I have contacted Amerihome several times to have this issue resolved. My loan company service provider sold my loan to Amerihome and sent them my check for the first mortgage payment. When Amerihome cashed the check, they cashed the check {$400.00} short and applied the amount as a principal payment instead of a mortgage payment. I spoke with a rep who told me to make the additional {$400.00} payment as a principal only payment. They would combine the two principal only payment and apply as a single mortgage payment. It has been weeks. I've called several different times and the incompetent customer service representatives have advised me that the update has been made, but it is not updated on my online account. The last representative informed me that the representatives keep closing out the request without actually doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, PA, XXXX As a consumer I am exercising my right to ask that you please in writing, define using Federal Law what exactly is a late payment and why it is reporting on my consumer report. If this is what looks like a consumer credit transaction which means it was already paid for once a credit card ( social security card ) was used in order to obtain this alleged vehicle. Then why are there late payments present on my consumer report? Please show proof of these alleged late payments. If your company is unable to provide the information that is asked for then I am requesting as a consumer and the original creditor that the remedy for the violation of having inaccurate information on my consumer report be : Deletion from all consumer reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX Phoenix financial put this on my credit report when they know they got the money through my employer at the time in XXXX they collected their debt throughout weeks of taking money from my check. This should not be in my credit report or anywhere since it was already paid off. They trying to get double their money. Thats not fair specially when theres a pandemic of Covid-19 and currently Im unemployed and trying to get XXXX. Ive had XXXX insurance for years. Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: CA

Complaint narrative:
I XXXX XXXX XXXX disputing the validity of this debt with XXXX XXXX XXXX XXXX, they have CHARGED OFF the account and since this is a charge off and a charge means you are no longer attempting to collect, I can't pay or validate something if you're not attempting to collect. They are also in violation of the following laws listed below ; FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and XXXX XXXX XXXX XXXX is the person ( corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: CA

Complaint narrative:
I called Synergy Consulting Services and explained that this should have been paid by XXXX and or 2nd Ins. and they said they couldn't do anything except to collect from me as it was now in collections. I called the XXXX XXXX that sent the bill to them and they said it was sent in error. It took many phone calls to follow up, making sure the account was cleared but in the mean time they reported it to the credit bureau and won't send a letter withdraw the derogatory statement or put send a letter explaining it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: LA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I contacted original Creditor and I got the paperwork corrected 2018 now new creditor threaten to take me to court and sue me for everything I got and that I can put my vehicle up for payment and that they can take my stimulus checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My complaint is against PayPal. 

They have permanently closed my two PayPal accounts on XXXX-XXXX  on XX/XX/XXXX ( reference ID : XXXX ) and are holding {$4700.00} and {$2700.00} for over 180 days. On multiple occasions, customer service assured me that the money would be released after 180 days. Not only did they not release the money after 180 days, the transaction page indicates that both accounts had the money transferred to PayPal account, without notification. The first transfer was made on XX/XX/XXXX ( transaction ID : XXXX ). The transaction on the second account was made on XX/XX/XXXX ( transaction ID : XXXX ). Both transfers were due to " PayPal 's damage caused by Acceptable Use Policy violation ''. There was a prior notification stating that I would receive an email on how to access my funds after 180 days. The email was never sent to me and both my accounts indicate a balance of {$0.00}. 

Thank you, XXXX XXXX. 

Please see below : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MS

Complaint narrative:
I sent in a letter on XX/XX/XXXX after pulling my credit report about variations to my name that ARE NOT my name and addresses that are attached to my credit file along with numbers I have never seen or used. 

On XX/XX/XXXX Experian has come back to say that they are verified or have updated the information without verification or giving me verification. I find it interesting that on yesterday I spoke to a representative after several of my certified letters hit their bureau investigation status on or about XX/XX/XXXX and have come back verified with the same information being out dated that I disputed or updated magically. 

I would like to know how they are verifying my information and it is still incorrect and not giving me anything more than an update. Keep in mind I submitted my factual evidence that the information is incorrect and it is STILL incorrect but VERIFIED. This is continuing to damage my credit file I have proof that this is not the FIRST, SECOND OR THIRD time they have sent me letters saying the information is verified in the past 12 months when clearly I know the laws and that they are not upholding my rights to have a accurate and fair credit depiction of my credit file. 

I have included an example of the issues with their VERIFICATION. 

I have had my identity compromised in XXXX by an employer and XXXX my wallet was stolen with SS Card and information that was sold on the web for scammers to use. I take my credit profile serious.

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 2021-03-30 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: LA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AFNI INC.
State: PA

Complaint narrative:
They sent mail to an address that no one under the name lives at and I asked to stop recieving mail and phone calls to which they said the mail would stop but would not stop calling me after I asked them multiple times to not call me anymore which is my right, this company needs to be taken down as a collection agency horrible agents over the phone got hung up on 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Bank of America XXXX XXXX account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a XXXX XXXX that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my XXXX and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a XXXX XXXX XXXX. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own.

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 2021-03-30 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: CT

Complaint narrative:
I contacted all three of the credit bureau, Transunion, XXXX and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.

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 2021-03-30 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: NY

Complaint narrative:
I recently sent a letter of verification to Experian, XXXX and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on 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 2021-03-30 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: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I XXXX XXXX XXXX am filing a dispute against Debt Recovery Solutions for stating that I allegedly owe this debt. I have found several laws that Debt Recovery Solutions have broken the laws are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and Debt Recovery Solutions is the person ( corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I contacted all three of the credit bureau, XXXX, Equifax and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.

Company response to consumer: Closed with explanation