vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I set-up a bill pay to my mortgage. The Serve card gave me a date of XX/XX/XXXX on which the bill would be paid. For some reason, this date was changed on their end to XX/XX/XXXX which will cause a late fee if {$40.00} to be assessed. 
My mortgage company representative suggested I cancel my bill pay and pay my mortgage over the phone which I tried to do. 
Lo and behold, instead of refunding the bill pay, this despicable organization won't return the money. 
Now, I have spoken to 7 different persons to resolve this. It is XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MI

Complaint narrative:
I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: MI

Complaint narrative:
I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX  XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}

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 2020-06-15 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: MA

Complaint narrative:
I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, XXXX, Transunion, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.

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 2020-06-15 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: MA

Complaint narrative:
I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, Experian, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.

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 2020-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I called and made a settlement payment to Westlake Financial of {$3200.00} on XX/XX/20. As of today, XX/XX/20, I have not been able to get anything in writing that the account was settled, nor have they updated to the bureaus this account is paid. On XX/XX/20, I received an letter that confirms the settlement agreement ( mind you this is two weeks AFTER I already made the payment ). I have called multiple times and keep receiving different answers but none of which are, we are mailing or emailing you a {$0.00} or settled in full letter. It has now been 45 days since I made the payment and when calling today, I was told on a recorded line that Westlake Financial will NOT be sending me a letter confirming the account was paid or settled. That I would just have to wait for it to update with the bureaus. This is causing me to not be able to close on my new home this week on XX/XX/20! I just have to provide the lender something in writing from Westlake Financial confirming the account having been settled and now having a {$0.00} balance.

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
New open delinquent account showed as open XX/XX/XXXX. I have not had an account with XXXX XXXX since XX/XX/XXXX. The account information is incorrect and re-aged. It should be deleted. Attached are the only loans from XXXX XXXX that I have received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DPT EDXXXX, DEPT OF ED/XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I contacted Pen Fed to obtain a preapproval letter for a mortgage to be able to continue my home search as we begin to emerge from Covid 19 lockdown. I spoke at length with XXXX XXXX who assured me that she would be the loan officer who would work with me from that point on. I understand Pen Fed had an influx of mortgage applications as I was on hold for 3 hours the previous day. After speaking with XXXX on XX/XX/XXXX, I was assured that I would receive disclosures and the pre-approval letter in a few hours - no later than end of day. I know they ran my credit when I was on the phone with XXXX. I finally received disclosures a few days later but no pre-approval letter. I called at end of day XX/XX/XXXX. I left several voicemails for XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ), sent emails requesting call back/info on XX/XX/XXXX and XXXX. I never received anything from them via email or phone. The last step I took was to contact the mortgage department on XXXX requesting a supervisor/manager to call me back. I never heard from the " escalation '' team. 

I have a few complaints that need to be addressed : 1 ) I was provided false information by XXXX as it pertains to : the loan rate ( she told me that the VA rate would be 2.75 % ) ; {$0.00} down payment required even though I was asking for information on mortgages greater than {$800000.00} ( according to XXXX XXXX and XXXX - the VA loan still requires a deposit on the loan amount that is above the county limits set by the VA ) ; 2 ) No one from Pen Fed has returned my calls or emails since they took all my personal information to begin the mortgage process on XX/XX/XXXX at XXXX despite several attempts from me to reach anyone at Pen Fed .

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 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There is a bankruptcy that is reporting on my Experian Credit report that is not accurate. I keep disputing with Experian and they keep advising they verify the accuracy with XXXX XXXX. I have reached out to XXXX XXXX and confirmed there is not a bankruptcy reporting. This needs to be removed from my credit profile due to FCRA the bankruptcy is inaccurate information reporting. Remove this item. I have attached a copy of my XXXX XXXX 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 2020-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 I sent {$50.00} to my mother through Paypal. I sent the payment to my mothers cellphone and put the details in Paypal so that they could send her the money to her cellphone. My mother never received a text or notice on her Paypal account that the money was received. When I checked my account Paypal had sent the money to another person with an email that I do not know. I have been appealing to Paypal to refund the money that they sent it error and they have denied my request repeatedly. I opened another request to have the money sent to my mother and Paypal not only denied my request, but also blocked me from gaining access to the account again. My payment is now due and I Paypal is saying that I must pay this amount that this was my error and I have lost the money. I sent an email to the person that received the money in error and that person is also refusing to refund my money that Paypal sent her in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification that XXXX & XXXX XXXX XXXX XXXX was a new account on my consumer credit report. 

These accounts were previously deleted back in XXXX and I did not receive a notice from TransUnion nor the original creditor that it will be re-inserted. 

Furthermore, this account does not belong to me as established from my disputue in XXXX which resulted in them being deleted. 

This reporting is in violation of the law that I must receive written notification of re-insertion within 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ) I am also very dis-satisfied with the way my consumer report disputes for XXXX XXXX XXXX. They closed the account with a zero balance but it still reflects a " reported balance '' That is contradictory. 

Furthermore, THIS ACCOUNT DOES NOT belong to me. 

There is inaccurate information that I have disputed only to receive a notice stating that they will not re-investigate. THEY WERE NEVER INVESTIGATED INITIALLY. This is a violation.

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 2020-06-15 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: Source Receivables Management LLC
State: NY

Complaint narrative:
I paid off a XXXX  account with sources receivable management in XXXX, they have not reported my accounts since XX/XX/2020. Called four times still no response as to when they are going to report accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-06-15 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX  XXXX XXXX, XXXX   XXXX XXXX XXXX Company Inquiries : XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
Note : Some of the preceding questions on CFPB online application to submit a complaint are not specific enough so I just answered them to be able to move forward to this page ... ..This second complaint is a follow up to the first complaint that I already received a response from the mortgage company. 

Dear Compliance and or Mortgage servicing department of Shellpoint mortgage : I have attempted to call SPOC twice and left my information however nobody has returned my call after waiting over a weeks time even though the voice prompter circle of futility says someone will call back within " 24-48 hours ''.

My question is very simple if someone can confirm and respond back to me IN WRITING. 

If I were to resume regular monthly mortgage payments starting in XX/XX/2020 ( which  will be after the 90 day forbearance period ) will : 1 ) Will my payment be the same as before which is {$2200.00} give or take? 

2 ) What happens to the 90 days of forbearance amounts from XXXX, XXXX and XXXX? Are they just added to back-end of loan? If so, please state this in your written return response to me at email address :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gragil Associates, Inc.
State: MA

Complaint narrative:
I was looking at my Credit report on XXXX when I noticed that I had an account in collection for XXXX dollars. I looked up the company Gragil Associates and called them Spoke with a Ms. XXXX XXXX. After getting my information she pulls up account with wrong address. Address is actually XXXX year old sons and the bill is actually for treatment he received but they are listing me as responsible. After being put on hold she comes back on phone and states that they will fix their report to the Credit Bureau in 1-2 weeks. This report was fraudulent and has effected my credit score already and they never contacted me before reporting and now they want time to fix it. This company has had many reports on deceptive collection practices and its Time that they face actual action for trying to ruin peoples lives as it was I was denied credit through XXXX card for being in collections which I could not understand now I know exactly who did this to my Credit!!

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 2020-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We received a large refund from a cruise we paid for through our American Express Credit Card. The refund was sent to American Express which created a credit balance in our favor. American Express has refused to send us the refund. AMEX has had a credit balance on our account for over three weeks. We asked for the credit balance to be refunded to us through either a check or wire transfer. Their fist excuse for not sending us our refund was it's against the law to wire our credit balance to our bank. Then they said they would wire the funds. We never received the funds. We called AMEX again and they said the wire would take 7-10 business days. We called on the 7th business day and they told us the funds have been delayed because of COVID.

Company response to consumer: Closed with monetary relief