vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc.
State: IL

Complaint narrative:
HireRight performed a background check on myself for offer of new job. After I received there response I requested multiple times an adverse action letter under section 615 of fcra. I have not received it or any response pursuant to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent several requests to XXXX XXXX multiple times to validate the debt. Most recently, I sent a letter that they received on XX/XX/XXXX and a follow up letter they received on XX/XX/XXXX. Ive not received an adequate response at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 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: TX

Complaint narrative:
I started a dispute early last year. I have postal documentation showing another dispute was received by the company on Experian XX/XX/XXXX and ( XXXX XXXX XXXX ) XX/XX/XXXX. I received no response other than verified. I called XXXX on XX/XX/XXXX and spoke with XXXX at XXXX requesting further investigation under FCRA section 611. I spoke with XXXX at XXXX on XX/XX/XXXX at XXXX am. I spoke with 3 reps ( ( XXXX, XXXX XXXX XXXX and was ultimately transferred to XXXX in special department at XXXX pm on XX/XX/XXXX. I asked for details other than just verified because there were still discrepancies for the XXXX XXXX XXXX account that was deleted on XX/XX/XXXX and reinserted without notice, XXXX, XXXX XXXX and XXXX XXXX None of these accounts have been investigated properly. I asked for further investigation and received no response. It has been well past the timeframe allotted to update/modify or delete the accounts after a reasonable reinvestigation into the discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I contacted Credit Collections last year. Most recently they received a letter from me on XX/XX/XXXX and a follow up letter on XX/XX/XXXX. I have not received adequate documentation that I owe this debt and my rights have been violated based on my understanding of the laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have the AMEX XXXX XXXX a high end consumer card which costs {$550.00} a year. I needed emergency cash as my funds and travel documents were stolen in XXXX. I went to numerous ATMs in XXXX that AMEX said worked per their find an ATM locator. None of them worked. I called AMEX to do an emergency cash transfer/wire/XXXX XXXX  After approx 1 hour on the phone it was set up. I went to the XXXX XXXX location and they were unable to process the transfer. I called up amex XXXX XXXX to complain. They advised to go to another location. So I wasted several hours going to the first one. I then went to another location and was advised they could not do it either. The reason was because amex XXXX XXXX  had send the wire to the wrong name. So I called and emailed XXXX XXXX to complain and ask them to correct. More time wasted -- now we are at several more hours after the calls, transport time, etc. They sent to the right name this time but provided the wrong wire retrieval number at the teller. More time wasted. Right number was then provided. I finally received the funds and had to pay a western union conversion fee in excess of what I would have paid had the atm worked with my platinum card. I called and emailed " XXXX XXXX XXXX' to complain and ask for compensation for lost time/expenses. Was told they could do nothing and needed to call " customer service. '' I called customer service a week ago and was offered an insulting XXXX dollars or XXXX points. New issue as well is that I was charged for two " emergency wires '' when I only retrieved one. It is very concerning I would be billed for two. I filed a complaint on the phone with AMEX regarding all and did not Hear back and it has been a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
-In XX/XX/XXXX, I was sent a notice to my address in Michigan by XXXX XXXX XXXX XXXX XXXX that my debt ( collected after having to live off my card due to house and joblessness ) had been sold to Portfolio Recovery Associates , LLC for {$2200.00}. As I had already moved to Florida, this letter was not forwarded to me in a timely manner. At this time, it showed up on my credit report as a collection debt. 

-Once I had obtained the supplemental information provided by Portfolio Recovery Associates LLC as proof of veracity of claim after disputing the collection, I was able to see the aforementioned notice, as well as a statement from Portfolio Recovery Associates containing my account number, the ( now corrected after an updated credit report request by them ) Florida address it was sent to, amount owed, contact information, etc. When I contacted Portfolio Recovery Associates, I was told they could not give me any further information because it had been transferred to be litigated. 

-Three years to the day XXXX XX/XX/XXXX XXXX and two states later, apparently a lawsuit was filed against me in an attempt to collect the debt. I was never served a summons. Once I found out about and looked up the case, I saw they had the correct address but an incorrect name, one that was corrected with the credit bureaus two months after said debt was sold to PRA. Thus, the notice of 'summons returned served ' in the court review is incorrect. Once I learned of the suit, I submitted the necessary paper work on my behalf. After that, I didn't hear from them, nor did an updated search return anything. 

-In XXXX of this year, I received a notice from the XXXX XXXX XXXX XXXX XXXX stating that the case was to be closed in a month due to lack of prosecution if no action takes place before then. Just before that dead line, the attorneys for PRA XXXX XXXX XXXX XXXX XXXX filed a motion to transfer the case to XXXX XXXX, citing that this was where they ( in fact did not ) serve the original summons. Once this was granted, they received a letter from the Clerk of Court stating they had 30 days to pay the transfer fees or the case would be dismissed. Two days before that due date, they submitted payment at the last minute. As of yet, I have not seen nor received anything from the XXXX XXXX XXXX XXXX regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital is claiming I owe XXXX and has continued to put a collection on my credit report. I do not owe this money and have disputed it multiple times with the credit bureaus and calling Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: OH

Complaint narrative:
Due to unforeseen circumstances, I was behind in my loan of {$1200.00} that I received with West side Lending back in XXXX of XXXX. They reached out to me XX/XX/XXXX to make payments, I agreed initially ( Keep in mind, they never sent an agreement contract via emailno nothing! ) just word of mouth asking if Id start making payments of {$100.00} a week. But Im genuinely struggling!! 

So they werent successful that following week to pull a payment out of my account because I had other bills and whatnot coming out of my account. So as of today XX/XX/XXXX ... I check my account to se e that they pulled an UNAUTHORIZED random payment out of my XXXX account!!! Im extremely XXXX!!! And I want my money back in my account!!! ASAP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Santander personal loan is showing I have an outstanding balance of {$1000.00} And my account has been current for the past 2 months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
We have been trying to get a loan modification. We started the process in 2019 with Mr cooper. We have sent documents over and over because they say they didn't receive. Then they make us start the whole modification process over because they say the deadline has expired. They tell us something different every time I call. It's always a different person & always a different excuse. Right when covid hit they approved us for a trial payment & we made our payments. Then was approved for a permanent modification. So they sent us papers to be signed & notarized. We signed the documents, had them notarized & sent them back. First they said they didn't receive the signed documents & then they said we didn't send back everything. Which we did! & this has been the run around for two years. Now they denied the final modification after they approved it & want us to start all over again saying there's missing paperwork again. I'm so upset & I don't know what to do. They do this to people all the time. How can they just keep getting away with this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XXXX XX/XX/2021 I received an email from Apple Card. It offered 3 % back on all Apple Card purchases. I used my card on XX/XX/2021 for a {$190.00} eyeglasses purchase. I got a XXXX award a couple days later - 1 %. I called Apple Card. They explained I didn't do it right. I still don't understand, but it is something about using my phone. I asked them to stop sending me misleading offers. I returned the glasses and repurchased them with another card. Today, i got a reminder email from Apple Card. " Don't miss out on 3 % Daily Cash this month every time you use Apple Card ... ''. I don't think this type of deceptive advertising should be allowed. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I spoke to customer service rep at Equifax last month advise reported date on several close accounts are incorrect After receiving a copy of my credit report in the mail on Tuesday. I notice the problems has not been fixed. I have tried several times to reach Equifax customer service the telephone has been busy for days. 
I have not been able to reach anyone by phone I email he CEO today The following account 1. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 2. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 3. XXXX  XXXX last reported date is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 4. XXXX XXXX XXXX last reported date XX/XX/XXXX should be XX/XX/XXXX this account was closed in XX/XX/XXXX. We sold our home XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  last reported date XX/XX/XXXX should be XX/XX/XXXX this account was transferred to XXXX XXXX XXXX in XX/XX/XXXX and was closed in XX/XX/XXXX I would like the last date reported changed to the correct dates! 
I am in the process of buying a home and it looks like I've been last in the past 12 months on old accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
We have a mortgage on our house. Last year around XXXX we had our house roof replaced due to many hail storms. Our insurance company, XXXX XXXX, sent a series of 4 checks over the next few months. The first one went through and was deposited. The next 3, however, did not and we found out US Bank now held the mortgage and had to sign off on them. We contacted them and they informed us the checks had to be sent to them in Arizona and this is where the lies and disrespect begin. Since this had been going on the roofing company was asking for payment. We informed them of what was going on and they agreed to wait a while. US Bank said send the checks to them so they could endorse them so we could deposit them and pay the roofers. My wife sent the checks overnight at our expense and included a return also at our expense. Over XXXX in cost actually. So we wait and wait and a couple of weeks later they send them back, not endorsed! We called them and they wanted to dispute that saying their records showed they had been endorsed. We had to make multiple calls and finally had to do so from a bank to get them to understand they had not endorsed them despite what their records show. This took a couple of weeks. The roofing company at that point really wanted their money. So we again send them back to US Bank in Arizona after calling them and we are informed they will overnight them back. Still waiting. Each time I call I am told a supervisor is dealing with that and that ends the conversation. I tracked the checks and no they have not been sent overnight to us. More blatant lies for no reason from US Bank. So today I get to contact the roofing company. If they demand payment I get to go to our bank and see about a loan to cover this. The response from US Bank? A supervisor is dealing with this. We did nothing wrong and this is so unfair. We are out close to XXXX now and more time than we should have had to deal with this all because they made a mistake which we have to fix.

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 monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
The Servicing company monthly statement dated XXXX/XXXX/2021 invoiced me for a " Total Amount Due '' of {$1800.00} ; the " Explanation of Amount Due '' itemized the payment as follows : Principal : {$1100.00} ; Interest : {$5.00} ; Escrow : {$680.00} totaling the amount due of {$1800.00}. The amount ( {$1800.00} ) was paid on XX/XX//2021. The principal portion represented the final remaining unpaid principal balance of the loan thereby satisfying the mortgage. Loancare, Servicer, collected the funds and placed them in an account they called " Unapplied Account '' and proceeded to deem the loan as past due.They commenced collection activities and actually sent several certified mail to my home deeming the loan as " Past Due '' and also reported the delinquent status to Credit Reporting Agencies. I have just received a Disbursement Notice from them stating they paid the quarterly taxes which will become due on XX/XX/XXXX, 2021. have sent four messages to their website and no action ; Clearly, the company is another Hustler in the mortgage business relying on computers to do the servicing. I am seeking my satisfaction piece and the return of my original documents. Humans are unreachable at this company. 
ATTACHED PLEASE SEE THE XX/XX/2021 STATEMENT/INVOICE AND THE TAX DISBURSEMENT PAYMENT NOTICE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One is committing fraud in my name. Capital One needs to remove every closed account controlled by the institution immediately on my credit file or I will be suing for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
In XX/XX/XXXX, I purchased a home using a conventional mortgage from Valley National Bank. I entered into an agreement to escrow my property taxes. The bank has failed to pay my property taxes on time since closing. This covers two tax quarters, both delinquent and one remaining unpaid. 

On XX/XX/XXXX, I realized my property taxes were almost a month late. I was instructed to email XXXX XXXX, a manager at one of the branches, and informed him of the delinquent tax payment. The bank then overnighted the payment. 

In XXXX XXXX, I was, yet again, informed by my XXXX that my next quarter tax payment was delinquent. I informed Mr. XXXX of this error. He informed me they would overnight the check. On XX/XX/XXXX, my taxes were still unpaid with no check received. I was informed the check was mailed to the wrong address and they would overnight it again. The bank then suggested I take my taxes out of escrow and pay them myself going forward. Which I find completely unacceptable. The agreement I entered into with Valley was to escrow my taxes. I should not be forced to pay my property tax payments myself. 

On XX/XX/XXXX, I was, once again, informed by my XXXX that my property tax payment is still delinquent. No payment was received from my bank as of today. 

If I, as a mortgagee, was delinquent with my payment I would be heavily penalized and my home in danger of foreclosure. Valley should not be allowed to continue mishandling my money and violating our lending agreement. 

XXXX XXXX has been kind and responsive, but Valley continues to display a lack of administrative capacity in managing its escrow accounts. I also uncovered major errors during the application/closing process, which seemed to have been a precursor to their administrative ineptness. I would caution all consumers from working with Valley National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Upstart Holdings, Inc.
State: OR

Complaint narrative:
Upstart Network Inc has been unresponsive to my many request to remove their incorrect posting from my credit reports. They state I have charge off balance owed in the amount of {$33000.00}, this account was discharged in my bankruptcy filing XX/XX/2018. I've contacted the Credit Bureaus and I have contacted Upstart Network Inc multiple times and they continue to report this incorrect debt on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C Systems is unable to provide me with exact services and or the nature in which my debt was incurred as i did not recall the agreement they informed me i was in debt for being a patient at XXXX XXXX so i immediately asked how IC Systems was able to verify or provide verification of me being a patient or services rendered without this being a violation of HIPA law which is suposed to provide doctor patient confidentiality. I am requesting IC Systems remove my debt from collections and all three credit agencies or i will be seeking legal representation and filing a civil law suit against the reporting creditor as well the debt collection agency IC Systems.

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