vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: Veripro Solutions Inc.
State: MN

Complaint narrative:
In XXXX I sued XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), in Federal Court for reporting false, and duplicate information to the credit reporting agencies, and then refusing to take the information off my credit reports, after the issue was brought to their attention ( violations of the FCRA & FDCPA ). In XXXX, XXXX paid a substantial settlement to me in order to settle the lawsuit. The debt was a 2nd mortgage on my property. 

My complaint today is because I have since been made aware that XXXX violated the terms of the settlement agreement that they signed with me and are in breach of the contract, as our Settlement Agreement and Mutual Release ( SA ) specifically states and promises that I would be release " of all claims whatsoever '' ( item # 4 in the contract ) as a result of the agreement. However, I later learned that they sold the 2nd Lien rights to Veripro Solutions Inc. ( I am filing a complaint against them as well ). The 2nd lien they sold to Veripro is a " claim '' by definition, and was the only security they held against my property, therefore, XXXX is in violation of our SA. 

I am currently trying to refinance my house, however, Veripro has stated that the will not provide a lien release on the 2nd lien that XXXX sold them, until they are paid {$35000.00}. I have now suffered damages, as my lender is unable to secure a lien release. XXXX was unable to respond to a recent Validation request yet is demanding $ XXXX for the lien that XXXX had already promised to release me from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, my mobile number was deleted from my Chase account. My account was closed and no one told me why. Then, I received a paper bank statement saying that the rest of the money in my checking account will be sent as a check to my mail address. The check charge is {$2600.00}. I called Chase and they said the check will be sent out in two weeks. I waited but I never received the check. Then Chase told me there was an investigation going on in my account without any further details. It has been almost 6 months and my money just seems indefinitely froze by Chase Bank. I called them multiple times they just said the funds are not approved to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So a man named XXXX XXXX opened a Chase credit card in XXXX. The card company is reporting it as opened in XXXX which is incorrect and this man put me as a co signer to this card without my knowledge. In XXXX i recieved a letter from Chase telling me that I owed them {$7200.00}. I contacted Chase and told them it was identity theft and after almost a year later I was told that it was my account. I disputed it again and was told the same thing several months later, but was told that I needed to file a police report. I did that and was able to fax and email it to them roughly a month ago. I confirmed that it was recieved and assigned to an investigator. I callled a second time last week to get and update and was told they didn't have the investigators information to conect me to them so they took my number and they would email them my information and tell tell them that I needed to speak with them. I have not received any calls from them and that account has not been removed from my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: GA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion continues to report an inaccurate and unverifiable bankruptcy even after I sent them a FTC identity theft report and official letter from the US Bankruptcy Court stating that they did not report the record to the credit bureau which means it cant be legally verified

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 2020-11-05 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: GA

Complaint narrative:
To whom it may concern, On XX/XX/2020 I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, XXXX, and Trans Union under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/2020 I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, TransUnion, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

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 2020-11-05 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: GA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies Experian, XXXX, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus Experian, XXXX, and XXXX because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

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 2020-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I had a collection for XXXX XXXX reporting by Receivable Solutions. They have been extremely rude in trying to contact me. They threatened my job and my property ( which is not legal in XXXX that I am aware of ). It is currently being reported at {$1000.00}. The original debt amount is reported at {$1200.00}. 
The SC Dept of Revenue withheld {$1100.00} for this specific bill from my state tax return. I have the proof. 
Receiveable Solutions refuses to take it off. I have contacted them and contested it through the credit bureaus. They won't do it. This has happened before and it aged off. I am trying to buy a home. It is ridiculous. I have the documentation that it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
Innovative recovery Inc. Has been reporting to the credit bureau everyday and I have lost over 60 points on my credit. I have a XXXX XXXX card, with XXXX XXXX to alert me when my credit score changes. I called the company to inform them of this and they literally brushed me off. They sent my invoice to an incorrect address, which I did update, but refused to acknowledge the daily reporting to credit bureau. I also tried to set up a payment arrangement, they told me they would continue until the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
XXXX put me in collections and is hurting my credit big time my ex husband used my name for insurance and was not responsible to take care the payments so now As a XXXX  parent I am supost to pay some bill that is not mine! Caine & wainer is putting my credit score down and I dispute this many times and nothing ia getting done! If was my bill no problem but I cant pay some that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: CT

Complaint narrative:
I am filing a complaint against Contour Mortgage. Especially the unprofessional mortgage lender we had XXXX XXXX. Also against the owner. XXXX XXXX was unprofessional with giving our personal info to his friend BC they are related to us and we didn't give our permission for him to do so. Also his threat to not close our loan on the last day before BC we confronted him via text. There have been many thing along the whole process. He told my husband when he was fighting with his wife. XXXX why don't you come XXXX the XXXX out of my wife and I will come XXXX the XXXX out of XXXX. He got fired from previous company while in the process of our loan. We stayed with him BC he had our info and BC he was a friend of my brother in law. However I wish we didn't BC this was the worst experience ever. And after stay all this happened. So unprofessionally.I asked him who his boss is and his response was himself. He also called and had me almost have a breakdown BC he decided to call and team us that they denied our loan when we were already out of our other house and living with our XXXX kids at my in-laws. Who cried everyday that we were homeless. How is this funny. I had him on speaker and my in-laws flipped out on him. This is just the tip of what we went threw. I want to presume charges for the emotional pain he caused. My husband and I never have fought so much. The company signed an addendum to pay for storage in the house that they came up with. But at closing decided to only pay XXXX for movers and storage in new house of our stuff that they came up with. I had to pay {$4000.00} to sellers. I didn't agree to. They supposedly said they had a cap. However this was never relayed to us. So we got stuck with the bill. And this was the owners doing. I have the addendum that has no limit or days on it. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I filed a dispute on XX/XX/2020 because my Auto insurance comes out automatically and I accidentally paid it as well myself. When I realized my error I immediatelly called American Express National Bank and filed a dispute. At that time I was told that it was still pending on my account and that it would take 7 days for my {$120.00} to be returned to my account. On the seventh day, I checked my account and my monies wasn't in my account and the transaction had posted. I then called the Bank to inquire about my monies and was told that " there was no dispute filed and that I couldn't get my money returned for another 10 to 45 days. They looked at my account and also seen that it was a duplicate charge for the {$120.00} and they didn't try to rectify the situation by any means. I told them that I had done my part and I also waited and that I should be returned my money. I then told the customer service rep that I wanted to speak to a Supervisor and he continuously continued to speak to me I then insisted to speak to a Supervisor and she also didn't give me monies. The Supervisor customer rep number is as follows : # XXXX My account number is : XXXX and the Bank is American Express National Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX actions contravene the Federal Trade Commission Laws. The company has denied my dispute request for an account I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I co signed on a car in XX/XX/2020 thru XXXX XXXX in XXXX new jersey. I was not shown nor aware of XXXX XXXX XXXX being applied as I was just given a signature pad and asked to sign and was not shown what I was signing. The vehicle was totaled in an accident 2 weeks after purchase. I contacted insurance company who paid credit acceptance XXXX in XX/XX/2020. I then reached out to credit acceptance also XX/XX/2020 they told me my remaining balance was XXXX they agreed to accept XXXX a month toward remaining XXXX, they did at that time offer me XXXX to settle account. I checked my credit report today the reported a late payment on the XXXX however did not change the balance owed. I called them today and questioned the late payment as well as balance and they are telling me I owe them XXXX now.

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 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
People 's UnitedBank is the servicer for my home mortgage. We've been aggressively paying on our loan, and instead of applying those extra payments to our loan balance, they have been holding them as future payments. 

Currently, they are holding payments for XX/XX/XXXX and XX/XX/XXXX of {$2000.00} each. ( {$1200.00} is the normal payment, {$770.00} is our overpayment ). 

As a result of them not properly applying our payments, we've been getting charged extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX-XX/XX/2020, I traded cryptocurrency on a legal, secure platform and used PayPal as a method of receiving payments. I instructed the buyer to make screenshots from her own account as a form of receipt and made sure she was paying from her own account. 

However, I received a message from PayPal, saying buyer has opened a case against me and claimed the transaction was unauthorized and asked the payment to be reversed. I uploaded evidence on PayPal 's portal, including 1 ) XXXX as legal cryptocurrency trading platform ; 2 ) evidence that I have already delivered the currency to buyer 's account ; 3 ) screenshot from buyer, clearly showing that buyer was able to use own account to make payment and screenshots. It is definitely an authorized payment from buyer 's end. 

After uploading these convincing evidence, PayPal did not contact me once before closing the case in buyer 's favor, and immediately deducting the payment with {$20.00} chargeback fee. I believe it is PayPal 's responsibility as a third party digital wallet vendor to make sure it prevents fraudulent access to accounts, not only mentioning that these evidence strongly prove the buyer 's account was in her own possession when she made these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: Mezcal Corporation
State: CA

Complaint narrative:
Mega Auto Finance has closed and charged off the account as bad debt which legally means they submitted for a tax write off and now are no longer supposed to attempt to collect. Instead they repeatedly every month tarnish mine, and my co-signers credit report. 

I have tried settling originally the debt, and mega auto finance did not want to negotiate. Now I am also challenging the validity of this assumes debt. If its supposed to be closed which all credit reports show, how is it legal to not only increase the balance owed but also report negative harassing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
WE DISPUTED A LARGE NUMBER OF TRANSACTIONS WITH AMERICAN EXPRESS AND THEY DENIED OUR CLAIM BASED ON THE FACT THAT THE OWNER OF THE CARD GAVE ACCESS TO THEIR OFFICE MANAGER. SOME OF THESE TRANSACTIONS LOOK LIKE THE PARCELS WENT TO THE OFFICE MANAGERS HOME BUT THIS WAS NOT THE CASE. WE FEEL THERE IS IDENTITY FRAUD AND SOMEONE INTERCEPTED THOSE PACKAGES BECAUSE THERE WAS ONE PACKAGE THAT THE MANAGER RECEIVED THAT SHE HAD TO SIGN FOR THAT SHE DIDN'T ORDER BUT SHE THOUGHT IT WAS FROM ONE OF HER FRIENDS. THEY WILL NOT LOOK INTO THIS FURTHER AND WE SHOULDNT BE ON THESE FRAUDULENT CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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
State: MI

Complaint narrative:
After selling a very expensive phone on XXXX, I was paid through Paypal. This payment was {$2200.00}. This is the only transaction that I completed with Paypal. I was then notified that I was permanently suspended from using Paypal. I was given no reason as to why, and I am completely shocked that they did this. When doing this, they then prevent me from withdrawing my funds for 180 days. 

While I feel that the 180 days is absolutely ridiculous, they state it is to ensure that there are not issues with the transaction that will require refunding. 

However, there is no risk of this occurring as there was a case opened and Paypal ruled in my favor and denied the case. It is documented in case XXXX completed on XX/XX/2020. 

The date of the transaction is XX/XX/2020 through XXXX  ID : XXXX. 

As there is no possibility that the available balance will be refunded due to the case review stated above, there is no reason for Paypal to justify holding these funds any longer. I urgently wish to withdraw my funds and close this account with paypal. The paypal account is XXXX. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation