vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-24 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: PA

Complaint narrative:
I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) Experian and XXXX  are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?

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 2020-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have had a VA mortgage with Wells Fargo since XXXX. While speaking to someone at Wells Fargo regarding Covid relief, he was going through his disclosures until he mentioned the type of mortgage that I have ... He stated that I have an FHA mortgage. I told him no, Im a XXXX vet and I have a VA loan. He told me that Wells Fargo changed my loan type. He also stated that Wells Fargo, just this past XXXX, had changed 10s of THOUSANDS of loans from VA to FHA. 
This is not legal. I never signed for nor applied for an FHA loan. I have a copy of my mortgage papers ... the papers verify that I applied for and was approved for a VA LOAN. No bank can change a loan without forging documents and/or forcing a consumer to allpy for something that they do not want. 
I am in possession of the origional VA loan papers.

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 2020-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I originally borrowed {$600.00} from National Small Loan and I already paid {$870.00} and now they are stating I still owe them an additional {$850.00}. I already paid over {$270.00} in interest which is equivalent to an annualized percentage rate of over 500 %. This is illegal in the state of Florida. The maximum annual percentage rate is 18 %. 

Florida 's usury laws, set forth in F.S Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than {$500000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: SC

Complaint narrative:
Equifax is reporting a collection on my credit file and the first report I pulled from my monitoring site shows NO company or contact information. It only shows an account number of XXXX I have yet to hear from Equifax about anything I disputed and it's been 4 or 5 months. I started to settle some of the things I know belong to me but this unnamed account had no information to call to even validate the debt. I requested a report directly from Equifax hoping it would give the needed information since my monitoring site did not. When I received the report they show the name of the collection company as XXXX XXXX XXXX XXXX with a contact number of XXXX when I called that number they said they had no record of my SS # and the report I received indicated it was a medical bill and the representative at this company said they do not collect medical debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: PA

Complaint narrative:
I wrote a dispute letter to this company in XXXX. In XXXX that mail was returned to me because the address I used was not valid. The address I used was the one that was reported on my credit report : Deville Asset Management XXXX XXXX XXXX XXXX, TX XXXX This is also the address they gave me when I paid the debt. They are reporting inaccurate information to the credit bureaus, a violation of the FDCPA and FCRA. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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 have contacted Experian on numerous occasions for their company to legally Verify inaccurate information on my credit report. I have requested numerous times for them to send me any original Documents or Contracts with my Signature on them legally binding me to the frivolous Charge-offs, Derogatory, Collection accounts that they are reporting. I have not received any original documents stating such. I want to see those original documents. 

Their response to verifying my accounts was a method of a Data Furnisher, Third party companies

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 2020-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Kia Motor Finance has a deferment program which I applied for and instead of them trying to help me they refuse to - my loan will be 60 days late by the XXXX of this month and they will not help - they say they will approve you and then tell you that there is a document that you need to sign and send back however in the meantime they do not sent the document and this will impact my credit - they are not being helpful at all.

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 2020-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MO

Complaint narrative:
I attempted to send money to a friend on XX/XX/XXXX ( transaction # XXXX ). On XX/XX/XXXX, I cancelled this transaction understanding I would not get my {$3.00} fee refunded. I sent MoneyGram a question about the timing of the refund via their " Contact Us '' form on XX/XX/XXXX or XX/XX/XXXX. When I did not get a response, I called MoneyGram on XX/XX/XXXX to follow up on my refund. I was advised I would receive my refund in 3 to  10 business days, and I was advised 10 business days would by XX/XX/XXXX. 

At this time, I also inquired about the question I had sent by way of the " Contact Us '' form. MoneyGram representative advised those communications do not get a response. Why would they have a form to send questions, general inquiries and complaints if they are not going to respond to them? 

Today XX/XX/XXXX, I called MoneyGram because it was the 10 business day and had not yet received my refund. I was told the refund was declined by my financial institution, but they could not give me a reason. According to the representative, the refund was attempted the same day I cancelled the transaction XX/XX/XXXX. I was not notified by MoneyGram that there was an issue with the refund, nor was I told on XX/XX/XXXX when I originally followed up on the transaction. Only because I called, they are sending the issue to the Resolutions Team and it will take another 3 business days to get a response. After 3 business days, I am to call MoneyGram again to follow up with the findings of the Resolutions Team. 

I have already been waiting for my refund for two weeks. Had I not called them, I may have never received my refund. And, the representative made a point of repeating that MoneyGram does not contact the customer about issues on transactions. I believe this is extremely poor customer service and questionable business practice related to consumer financial transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
An item covered by an extended warranty protection benefit that was purchased with my Chase card was deemed defective and in need of repair. Since I found out from the manufacturer it was indeed out of warranty, I decided to submit a claim through my extended warranty benefit. After trying to submit my claim for online several times over a few weeks from XXXX XXXX XX/XX/XXXX ( website malfunctioning due to increased traffic and nearly 2 hour hold times when I called ), I finally got a live person from this company on the line on day 90 to request assistance with filing a claim. Later my claim was denied and when I reached out for an explanation I was told that my claim was in fact not truly reported that day, but on the following .... day 91. I explained to the representative that I am an essential front-line worker during the pandemic and was unable to get in touch with the furniture store during their hours of business ( they store and manufacturer were closed for a month to the public ) to get the estimate. I also asked for a supervisor but was told on multiple occasions the supervisor would contact me in 5 business days. I never received a call back from a supervisor the past two times ( XX/XX/20, XX/XX/20 ) I called to follow up. I am prepared to take this to small claims court if this is not resolved immediately. I am appalled at the business practices of this company! Especially that I have been working on the front-line and it having been a pandemic. One representative I spoke with told me ( XXXX? ) that this should be approved due to my having contacted them to report it on day 90,  especially since I had been trying to submit the claim online for weeks and asked for help with that. I submitted all documentation and went overboard to get a repairman to my home, which took weeks due to Covid restrictions causing the business to be closed, for an estimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24 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: NC

Complaint narrative:
This is my third request to get the reporting correct on my credit file. My next step if this does not get corrected will be to hire an attorney to try and get this fixed. 

Document attached will show all details of what is going on. Numerous documents attached. 

XXXX XXXX - entered into a forbearance plan on XX/XX/2019 - document is attached. Payment of {$130.00} has been paid on time since XXXX of XXXX but they continued to report payment late to credit agency. Document showing all payments attached. 

Filed a complaint with you on XXXX XXXX on reporting late. Document attached showing they were suppose to fix it. XXXX XX/XX/XXXX and XX/XX/XXXX. Another document attached showing Experian reporting it 180 days late as of this month. 

Document from XXXX XXXX website showing I am 30 plus days late. 
Loan modification showing I am approved for this beginning XX/XX/XXXX - I paid the XXXX payment on payment agreement of {$130.00} forbearance plan- document enclosed. I have also scheduled the modication payment scheduled for XX/XX/XXXX for full amount. With all that is going on with XXXX XXXX and mortgages - I want to make sure my account is updated and credit reporting is correct and NOT reported 180 days late as it has adversely effected my credit. I believe they are trying to make me lose my house at this point - you can not get through to them by phone to fix and it is like someone keeps going into my account and changing things so I am always appearing late on payment. Please help before I take this to an attorney to fix or sue them.

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 2020-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Received a copy of our credit report and discovered that on our credit reports our morgage was included in our bankrupcy. However this is not the case and we have been making on time payments for the last 6 years. 

Credit report indicates that we do not owe any balance and our payments are XXXX however they still accept payment each month. This inaccuracy on our credit report has added even further strain to our credit and financial situation, increasing our interest rates and removing us from qualifications from certain loans, credit cards and other tools to begin rebuilding our 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 2020-07-24 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 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, US DEPT ED, XXXX XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF  ED/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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 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: AZ

Complaint narrative:
Please INDICATE THIS NOT A DUPLICATE! I filled this complaint because my previous compliant was not properly handled, I sent a 30 day non response letter to you and the original creditors and haven't received a response well over 30 day I DEMAND YOU REMOVE THE ACCOUNT FROM MY REPORT OR I WILL BE PRESSING CHARGES!

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 2020-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I had a conventional, and what I believe to have been a gov backed mortgage or XXXX with XXXX from XXXX, loan number XXXX. In XXXX, because of health issues, I had to file for chapter XXXX, but re-affirmed my mortgage, and my payments continued, and never missing a payment. The information and payments continued to show in my credit report. 

In XXXX, 7 years later, my new loan servicer was Select Portfolio Services. ( SPS ) account # XXXX, and I have been making payments to them, never missing a payment. However, these payments did not show on my credit report. 

I have been trying to determine if my new mortgage is still backed by the fed, or XXXX. I have contacted SPS, they said no, it wasnt in the screen as backed, but I am almost sure it was with XXXX, so if the loan terms on the conventional loan from XXXX should legally be transferred to SPS, what happened? 

Because of COVID-19, I am looking into this loan, and now quite nervous of its handling. Recently, I asked for a copy of the re-affirmation documents, and SPS said they didnt have them. 

SPS : XXXX XXXX XXXX  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 2020-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Massachusetts Educational Financing Authority
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I co-signed for two student loans for my Son and two student loans for my Daughter. These loans were obtained from XXXX XXXX XXXX ( XXXX ) through the Massachusetts Educational Finance Authority ( MEFA ). For each of these loans, we were very clear that both students would be the primary borrowers and I would co-sign for the loans. However, I am in the process of trying to refinance my home mortgage. I have been told by the finance company that I appear as the primary borrower for all four of these loans. I have contacted XXXX on several occasions in an attempt to rectify this situation. On the first attempt, I was told that " this is how we process the loan. There is nothing we can do about it ''. Earlier this month, I contacted XXXX again. This time, they offered to send me the loan documents to review. They advised me that I could call back if I found any errors. On Wednesday, I received the attached loan documents. On all four applications, The " Student Borrower '' ( Section A ) is listed as either student. The next section, Section B, is very deceptive. This Section is titled " Borrower 's and Co-Borrower 's General Information ''. I believed that I was completing this document correctly by filling in my information under " Co-Borrower ''. The signature fields on each of the loan agreements ( Page 3 of 5 ), also make it clear that my Son and Daughter are the primary borrowers and I ( and my Wife, for the first loan ) signed as the co-signer. However, MEFA/XXXX changed the Final Disclosure documents to make it appear as if I was the primary borrower. On Thursday, XX/XX/XXXX, at approximately XXXXXXXX XXXX, I again contacted XXXX and spoke to a " XXXX ''. XXXX advised me that because I filled in my information first under " Section B '', XXXX looks at me as the primary borrower. I asked him where it explained that in the instructions. I told him that this was a very deceptive practice. XXXX advised me that there was nothing I could do about this. I asked to speak with his supervisor. He stated " I can put you on with a loan specialist,  but they're just going to tell you the same thing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates LLC we received your fake letters for a XXXX Debt. Portfolio Recovery Associates is present on my credit reports as XXXX Debt collection. But letters state : This letter is for informational purposes only and is not an attempt to collect a debt. This communication is from a debt collector but is not an attempt to collect a debt. Portfolio Recovery Associates did you add those statements because you do not have a license to collect a debt in Michigan? Lets see letter typed up on XX/XX/2020 but your Debt was purchased on XXXX XXXX this is not a chain of custody letter. This is just Portfolio Recovery Associates typing fake letters and sending out to seniors for free money Scam. My name is from the same typewriter, Portfolio phone Number is from the same typewriter. There is no creditor code on the letter and their is no such thing as the word Seller. Portfolio in your letter you state : Your credit card account with a balance of {$270.00} was acquired by Portfolio Recovery Associates, LLC on or about XX/XX/2020. Portfolio Recovery Associates you did not state any account was sold to Portfolio Recovery Associates. Their is a big difference between sold and acquired. Portfolio Recovery Associates is on my credit reports for an XXXX account collection {$270.00} in which has decrease my credit score that I can not use my credit reports during these times and with Covid-19. Portfolio Recovery Associates you owe me {$25000.00} for falsely sending letters in the mail for free money and I am going to collect. You have one day to remove yourself off my credit reports. I have sent your letters to the proper authority and you should be hearing from the authority with in 30 days

Company response to consumer: Closed with explanation