vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: UT

Complaint narrative:
On XX/XX/2019 we took out a mortgage in the amount of {$340000.00} to purchase a home in XXXX XXXX, UT. The plan was for this loan to be a bridge loan until we sold our home in XXXX XXXX, AZ. 

On XX/XX/2019 I requested wiring instructions from XXXX  XXXX XXXX so that I could make a {$260000.00} principal payment. I was denied the information because XXXX XXXX XXXX was selling our mortgage to Plaza Home Mortgage and I was told that I could not make any payments until XX/XX/2019. 

On XX/XX/2019, I requested the wiring instructions from Plaza Home Mortgage and again was denied the information necessary to make the principal payment. I was told that my account was frozen until XX/XX/2019. 

I have been paying hundreds of dollars in interest on a {$340000.00} loan when I should only have ben paying interest in a {$85000.00} loan since XX/XX/2019. 

After numerous complaints to XXXX XXXX XXXX  and a call to the XXXX XXXX XXXX XXXX XXXX XXXX, refunded interest from XX/XX/2019 XXXX XX/XX/2019. 

I have however still payed interest from XX/XX/2019 thru today XX/XX/2019. 

I have tried over and over again to talk to a supervisor at Plaza Home Mortgage. I have been kept on phone literally for hours without  successfully speaking to anyone. I have left messages for a supervisor and have not received a returned call. 

Can you help? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have disputed 4 times with all credit bureaus. XXXX, XXXX and Transunion. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent.

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.

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 2019-10-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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: OH

Complaint narrative:
I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, and XXXX XXXX Plus there are about 100 soft inquries

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 2019-10-07 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: OH

Complaint narrative:
I have a compliant from XXXX which is attached. I received notification from Experian first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, and XXXX XXXX Plus there are about 100 soft inquries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Over five years after cancelling my XXXX cell phone account in 2013, due to a permanent move to another state, a collection appeared on my credit report stating I owe XXXX over {$2700.00}. At no time did I receive regular billing statements or notice of any account activity. 

I called XXXX and they confirmed that I owed that amount but could not provide any details as to what the charges were for or exactly when accrued. They were at a loss as to how or why the account would have been allowed to grow to that amount without some kind of action on their side. 

My account was paid in full when cancelled. Either this charge is fraud by a third party, fraudulent business practices by XXXX, or the failure of XXXX to properly close out my account. In any case, the charge is incorrect and I demand this debt be deleted and the collection removed from my credit reports. If not done so, legal action will be taken.

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 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sent {$48.00} USD to a PayPal member for tickets to an event Transaction ID : XXXX on XX/XX/2019 XXXX XXXX with PayPal ID XXXX XXXX sent : {$50.00} USD Mr. XXXX did not transfer the tickets and promptly shut down his XXXX profile and account so that I could no longer communicate with him. Researched the profile of XXXX XXXX on XXXX and determined he resides in XXXX!!! He was supposed to be in XXXX Georgia!!! 

Contacted PayPal and they said since the transfer was technically " authorized '' there was nothing they could do even though it was clearly a scam. Said all they could do was make a note on the account about my experience. 

I'm out {$50.00} and have no tickets and am furious with PayPal 's lack of tighter restrictions on their members to be able to do this sort of thing and with the press of a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX  XXXX Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX XXXX  Dispute XXXX. XXXX  XXXX XXXX, TX XXXX XXXX   dispute tips XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE :  Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS c/o XXXX XXXX Hospital AKA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX Hospital AKA XXXX XXXX. This was fraud on the part of the collection agency. 

When I called the hospital XXXX XXXX AKA XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. 

So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. 

I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). 

Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. 

DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.

1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.

2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. 
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COAST PROFESSIONAL, INC.
State: VA

Complaint narrative:
Today, I received a call that was transfer to me at my place of employment, a public municipality where the calls are recorded. The call was from Coastal Professional - demanding to speak with me stating personal information on the phone with my cell phone. I've asked them to end the call they continued to speak about my personal business regarding my student loan. I asked them not to discuss because incoming calls are recorded and I could loose my job. The representative argued back and forth if I was going to call back. then gave me a phone XXXX which is to XXXX XXXX a company I never was associated with. This was a harassing call and misrepresented themselves and their purpose of the call. Also, they discussed my personal information with another employee.

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 2019-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I took out $ XXXX of school loans for a degree. he loan went from $ XXXX $ XXXX and it keeps growing. $ XXXX in 8 yearsand no one is helping me. 
Its a Federal school loan.. 

I am in financial ruin.. Threats of increasing interest rates from the people at AES. I am being old i now have to agree to pay $ XXXX in additonal interest, to transfer my loan again to another federal program..i owe $ XXXX, not {$130.00} but they say i owe them the money. Its not fair, its not true, I have been not paying because my loan repayment and interest rates are fraudulent. 

* failing to count qualifying payments that were made to previous servicers ; * failing to count qualifying early payments that were not received within the billing period ; * falsely reporting to third parties that students loans were in default when they were current.

* Increasing and decreasing interest rates without communicating with me or letting me know.

* Outrageous interests rates and hiring predatory loan collectors.

* Trying now to get me to re-consolidate in order to get off my credit report. I cant agree to a reconsolidation when this original loan is fraudulent. 

No one is helping me. I tried calling attorneys, I tried calling consumer advocate groups. No one is helping because this is a FEDERAL LOAN. 

I need help! This is ruining my life, I cant buy a house, I cant buy a car, I cant do anything. My credit is shot $ XXXX in interest in 8 years>? I need help! My entire family is on the verge of homelessness because of this outrageous loan. I dont know where to turn.. 

I need help please. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I took a loan with AF247, also known as XXXX XXXX, XXXX dba Advance Financial 24/7. original loan was taken on XX/XX/XXXX for {$2600.00}. Even though I had made payments amounting to thousands of dollars, the company is now attempting to sue me in court on XX/XX/XXXX ( XXXX XXXX General District Court ). I  tried to settle any past amounts with this company but they refused any payments except the entire balance. Additionally, their interest rate is 360 %, which far exceeds the interest rate legally allowed in the state of Virginia, which I was unaware of when I took out the loan. Because of their rate and the large payments I have made, this company is engaging in fraudulent lending practices with an excessive interest rate. Their attempt to sue is even greater at 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 2019-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I took a loan thru spotlon.com and paid that loan in full on XX/XX/19 on the amount of {$740.00}. 
On XX/XX/19 spot loan debited my checking account {$41.00}. I contacted spotloan and they acknowledged the debit was done in error and I would receive a refund. I have contacted them several times since and have been given the run around that my refund was being processed and they need to verify my mailing and email addresses. Ive verified them 3 times now and still have yet to receive a refund.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TN

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX  XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : 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 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 2019-10-07 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: TN

Complaint narrative:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I saw some inquiries as well I don't know about : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief