vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I have been making consistently bi-weekly payments with my mortgage servicer 'Mr. Cooper ' dating back to XXXX, but recently an 'adjustment ' has shown up on my statement titled 'Forbearance Adjustment ' that has caused an underwriter for my new home to question my payment history and has delayed my loan acceptance. I called their customer service department on XX/XX/XXXX and advised them of this issue and they did confirm verbally that I was never in forbearance and never applied for it, but refused to remove the forbearance adjustment from my account. I then followed up with an email that day to their research department at XXXX per direction of their customer service team and still have not received a response. 

This is not an accurate record of my payments made and does not accurately reflect my consistent monthly payments that have been made in accordance with my agreement. Reporting this way on my statements has negatively impacted my ability to apply for my next family home and has caused me significant extra work to prove to my new lender that I do make consistent payments and never apply for forbearance. 

I can provide copies of all correspondence as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not received credit reports within the 30 days. I sent dispute letters XX/XX/2020 and XX/XX/2020. experian and XXXX have yet to respond and this is really hurting my credit. Will you please make them respond to me.

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 2020-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I hired a XXXX XXXX on XX/XX/2020, under the impression that he was a paralegal working for XXXX XXXX XXXX or XXXX XXXX XXXX, a supposed firm based at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I hired him to help me file a small claims case, which involved sensitive legal information, including all evidence, prep discussions ( demand letters, who to serve, how to serve, laws broken/codes, etc ). He insisted that I pay him via PayPal " Friends and Family, '' so that he wouldn't have to pay business fees normally due ... a business. 

Since then, he has been unresponsive to questions ( never really answering them ; writing back in incomplete sentences or broken English, etc ), always late in getting back to me ( anywhere from several days to a week or more ) and has not provided a single document or served a single defendant in the case. I need to move this case along for urgent financial reasons. In my last communication with him, I requested him to provide some evidence that he had been doing work on the case, as I had paid for ... but he never responded. I have all emails and documents pertaining to my communications with this XXXX XXXX. I am out {$560.00} because I trusted XXXX XXXX XXXX as a legitimate legal service provider. When you go to their website, XXXX, you will find nothing of the sort, but a broken website. Further, he has communicated to me with a regular XXXX  account, with no domain name assigned ; a non-professional email. 

I opened a dispute with PayPal Credit 's XXXX XXXX  Credit Card about this transaction. I supplied all evidence to them of this man 's communications, etc, and they have only dragged their feet and provided not even a provisionary refund to my account. I do not feel PayPal is taking this matter seriously at all, and is using COVID19 as an excuse to avoid doing their jobs. They are completely unreachable by phone, and it is very difficult to reach their partner, XXXX XXXX, in this matter. Whenever I am able to finally reach them, they refuse to provide any updates on the case, and tell me to wait 60 days. I am not comfortable waiting for my rights to disappear under some unknown statute of limitations here. It has been long enough. I need a resolution promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
On XX/XX/2020 I purchased a XXXX with special financing of 0 % for 12 months offered on my existing Apple Card issued by GoldmanSachs.  When my statement was made available on XX/XX/2020, it states that I must pay for the entire purchase by XX/XX/XXXX in order to avoid finance charges. When I contacted them regarding this error, they repeatedly transferred me to Apple to return the computer. I do not want to return the computer. I want the financing that I was promised when I made the purchase. I also advised them that I wanted to dispute the terms of the purchase and they informed me that someone would call me back in 14 days to take my dispute. This is also illegal. The entire way that the purchase is set up is unfair and deceptive to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MS SERVICES LLC
State: CO

Complaint narrative:
I did contacted this company named MS Services LLC. I did sent the money through XXXX XXXX for them so they can delete the negative information. Apparently, they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Today ( XX/XX/2020 at about XXXX ) I spent 45 minutes filling out an electronic mortgage payment set of forms online with PennyMac LLC . At the final step I was notified that " oops '', there was a problem and I should re-apply again later. I called their 800 customer service line and was told that the web browser I use ( XXXX ) was not workable - the operator said the ONLY acceptable browser is XXXX XXXX. I do not want to be forced to download yet another browser to simply make their payment. This is discriminatory and at a minimum the company should inform me of the browser restriction BEFORE I spend 45 minutes filling out their online form. I suspect they are being paid to restrict access to one browser only. This is an unfair business practice. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have my son 's XXXX XXXX medical bill from XXXX XX/XX/XXXX amount XXXX . XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX '' claim number XXXX. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
How are you doing during this chaotic time of covid19? hope you're safe and sound. Listen, there is no way that these companies investigated this student loan from NELNET. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date, different dates of last payment, questionable balances, etc Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't student loan companies sued by Cfpb before for not applying payments to consumers accounts correctly? I'm really confused right now and i was wondering if you can help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

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 2020-08-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX, I requested XXXX XXXX to remove or expunge from my credit report after dealing with a legitimate payment dispute that took over 2 years and 2 of your collection agencies to resolve. My account should have not been finalized in collection in that I paid my lease off in full, 13 months ahead of the term. This bad collection mark is not a fair representation of my credit worthiness but an error on the part of XXXX. In short, I did not get the final statement until 15 months after the lease was paid off, XX/XX/XXXX. This final statement started the dispute with the demand for the additional months payment plus the disposition charge. Shortly after the final bill, I started to get collection notices from 2 agencies, XXXX XXXX XXXX then XXXX. According to your records, as reported by the collection agencies, I was charged for an additional month indicating I kept the car a month after the lease expired which was clearly not the case. I provided the collection agency the lessee odometer disclosure statement that verified when the car was dropped off, which was XX/XX/XXXX ( 13 months early ), along with the final payoff check for {$6300.00} ( an amount provided by XXXX to finalize the lease ). It was finally determined, I only owed {$350.00} for the disposition charge, which I kept telling the collection agencies I was willing to pay. All of the back and forth took more than a year, which was clearly a waste of time and effort for only {$350.00} and a bad record on my credit history. I could have easily paid {$350.00}, at the same time I turned the car in, but was aware of it until I receive a statement more than a year later. But their insistence to get more money from me just prolonged the time of the dispute. Therefore, I am asking for your professional attention to review all communication and documentation over the 2 year disputed period to give me some favor to remove this bad mark off my credit report as soon as possible. It is the only blemish on my perfect credit payment history. 

Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
2nd Complaint - ID FOR COMPLAINT SENT TO EQUIFAX XXXX I requested my free annual credit report from Equifax and the company has refused to provide it online, referring me to a written request. Subsequently my written request was not honored, since XXXX sent absurd, abusive, and inappropriate " identity verification '' demands to me in a refusal letter. 
Equifax is demanding proofs that are likely not to be obtainable by many reasonable persons, including demands that information given be from the last two months only. Other abusive and illogical demands Equifax is making are for very recent pay stubs when I have not worked for an employer who provides pay stubs for six months, a demand for an address from a state insurance card when California XXXX cards do not contain addresses, and a demand that utility bills be in one 's  name to establish identity proof ( Like millions of people. utilities at my residence are not in my name and I have only a pay-as-you-go telephone with no monthly statement. Further, bank statements do not include social security numbers, and I sublet from another person so there is no lease in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$6000.00}

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 2020-08-03 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$63.00} XXXX XXXXXXXX {$1000.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX  XXXX {$720.00} DEPTEDXXXX   XXXX {$1700.00} DEPTEDXXXX  XXXX {$1700.00} DEPTEDXXXX XXXX {$6000.00}

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 2020-08-03 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: FL

Complaint narrative:
TransUnion refuses to properly investigate item on my credit report. Other 2 agencies found it not to be mine ; all TU will do is send me a generic postcard with how they investigate ; they send no proof ( because there isn't any ) ; they are violating my rights and NEED TO BE FINED {$1000.00}. This has gone on for MONTHS. Acct : The First, XXXX # XXXX ; XXXX XXXX XXXX, XXXX MS XXXX. States payment of XXXX/mo resulting in chargeoff XX/XX/2020. This is not my acct. Only TU states it IS my acct. Yet they furnish NO PROOF. I have followed the process, certified mail, etc., they only send back a preprinted generic postcard. THIS VIOLATES FCRA. 

I have contacted them so many times. They make it as hard as possible, for example, shutting down all FAX communications, very hard to reach them by phone. I do have ALL my certified mail receipts and copies of all correspondence. 

WHAT THEY ARE DOING IS FRAUDULENT, claiming they investigated when they did not.

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 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
On XX/XX/2020, I made a mortgage payment in the amount of {$900.00} to Freedom Mortgage through my bank 's online bill pay feature. Unfortunately, there was a typo when I entered my account number on the online bill pay and Freedom Mortgage indicates that they didn't receive the payment ; however, the bank documents indicate that they did. 

I have contacted Freedom Mortgage more times than I can count to try and locate where this {$900.00} went and have it returned or applied to my account. I've provided a copy of my bank statement to Freedom Mortgage demonstrating proof of payment including a tracing number. They keep requesting a submit a new investigation with the same information. 

I'd love for this issue to be resolved and I'd be grateful for any help and advice you can provide.

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 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was air lifted to the XXXX along with my XXXX XXXX XXXX daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC
State: AZ

Complaint narrative:
Have a high interest temporary loan with a company that insists on taking fees and not letting me pay on the principal citing procedures that must be followed in an exact order in order to pay anything extra I want to pay this loan off as soon as possible but they seem to want to try to extend it as long as possible

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 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sent me a letter stating they had declined my application for credit. I had not applied to American Express. Someone is fraudulently using my data.

Company response to consumer: Closed with non-monetary relief