vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I call XXXX and Seqium assets Solutions. On XX/XX/2020 and both company told me by phone and email they could not find I owe anything. I filed with experience an dispute this and XXXX and seqium will not take it off my report. I do not owe money at all! They falsely put it on my report and they wont take it off! Even after Ive contacted them multiple times and they tell me they could not find it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
Credit bureau posted a debt in the amount of {$1300.00} with XXXX XXXX. It was determined that this debt was paid in full by the health insurance company. The debt was then deleted from my credit report XX/XX/XXXX. XX/XX/XXXX another credit bureau bought the debt and sent another notice to pay. After a conversation with the new collection agency i was asked to provide proof that this debt was paid by the insurance company. I faxed this information over to the collection agency. They failed to resolve this issue in full causing me to miss loan opportunities. This is against the fair debt act reporting laws. Please resolve this issue and provide me with the necessary information needed to remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TX

Complaint narrative:
In XXXX of 2018 consumer filed chapter XXXX bankruptcy and was discharged XX/XX/2018. Consumer noticed and disputes the inaccurate information reported on the credit reports and as of this day they are still refusing to remove in accurate information dispute a court order showing the items were discharged  in bankruptcy. Consumer filed a complaint with this organization and this issues has not been resolved. 
1. XXXX XXXX  2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX XXXX 5. XXXX  XXXX  6. XXXX XXXX 7. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN as violated seven federally protected consumer rights under the FCRA Fair Credit Reporting Act 15 USC 1681 in reporting information that I have no value and unfair to me the consumer, natural person and original creditor. 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. EXPERIAN has violated federal law 15 USC 1681 ( a ), 15 USC 1681 ( a ) ( 2 ), 15 USC 1681a ( 4 ), 15 USC 1681a ( 2 ) ( i ), 15 USC 1681a ( 2 ) ( b ), 15 USC 1681a ( 3 ) ( e ), & 15 USC 1681b ( a ) ( 2 ). Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable for violating federal law I have exhibit along with notarize sworn affidavit of truth stating the facts inside and citing violations line by line. I also explain clearly on how I was violated and how the consumer report has attempted to harm my reputation and by reporting base solely on information between credit grantor and credit bureau not the original creditor which is a violation. My consumer reports has been unfair and harmful practices by EXPERIAN and I never gave them written instructions for accounts presented in my exhibits. Consumer has a right to privacy and my privacy has been breach by EXPERIAN. This credit bureau report has caused me and my family much stress and anguish due to the unfair practices from this corporation. Pursuant 15 USC 1681n ( a ) ( 1 ) ( a ) EXPERIAN is civilly liable invoice is attached.

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 2020-12-07 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
This is an ongoing and continued fraud being carries out by XXXX, XXXX  and Convergence. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and XXXX  has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my XXXX  credit resulted in a report from XXXX  on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.

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 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MN

Complaint narrative:
On XX/XX/2020 I refinanced my home mortgage for a lower rate and term. Soon after my refinance closed the mortgage was sold to AmeriHome Mortgage for servicing the mortgage. My refinance included pre-payment of the escrow. I've also made my required monthly payments, including escrow. My escrow with AmeriHome currently has a balance over $ XXXX. I have an outstanding homeowner 's insurance premium of {$1500.00} that was due as of XX/XX/2020. My insurance documents with AmeriHome are up to date, indicating a payment is past due. So far, I've contacted AmeriHome, including the following occasions : XXXX : Initial call to AmeriHome stating I received notice from my insurance company that the insurance payment wasn't made. They requested I send the insurance email notification to their customer service department, which I did on that day. I was told the payment would then be made. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. I was then requested to send my insurance payment notice to the AmeriHome insurance department email ( XXXX ), which I did on that day. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available. AmeriHome confirmed they received my previous email proving an insurance payment was due and would expedite an insurance payment via work order to be completed by XXXX. 
XXXX : Follow-up call to confirm if an insurance payment was made, finding no record of a payment was available and the work order from XXXX was closed without reason. AmeriHome said they would escalate and issue an insurance payment within 24 - 48 hours.

I will continue to follow up with AmeriHome, but at this point I've received a text, email and letter from my insurance company stating the insurance payment is past due, and my policy will be cancelled as of XX/XX/2020 if full payment is not made. I have been given multiple assurances the insurance payment will be made via my escrow, which has enough funds and continues to be funded via monthly mortgage payments. I have little confidence this will be done and am at risk of losing my legally entitled insurance coverage due to the inability of AmeriHome to meet its requirements of making homeowner 's insurance payments via the escrow account. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.

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 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been receiving emails from " PayPal '' over a span of months saying there have been " suspicious activity '' regarding my account and that my account has been frozen. I have not used my PayPal in a very long time and it is connected to a bank account I no longer use in a different state. Needless to say, I tried to log into my account to see if there are suspicious charges. I checked my bank account and saw nothing and also tried to login to PayPal and the login screen kept refreshing and popping up. I couldn't get into my account so I tried to contact their support and could never get ahold of anyone. Because nothing was coming out of my bank account I disregarded it since there is no money in it anyways. I just got an email today saying that my account has been sent to collections ( PayPal logo on it, along with a new help number to contact on the bottom ). Called the help number to PayPal and all of a sudden they answer. I explained to them I have been trying to get ahold of someone for months and they told me my account is locked and would not lift the lock until I called another number. I called the number and it sent me to the collection agency. They asked from a auto system for my social security number or the case reference number ( which was never given to me in the email ). I was on hold for 30 minutes and I told them I'm not giving my social security number. They asked for the last 4 digits and I said no. They asked for my current address and I said they don't need it. I told them I wasn't paying anything until I got into my account to see the fraudulent charges in person and a paper trail and they said " PayPal has not sent any paperwork to us '' and the more I asked for proof or a paper trail they then said to not worry about anything anymore. They stopped all charges from my PayPal and that I didn't owe anything anymore. None of that made any sense. 

Not only this. The first time I tried to contact PayPal was when I got an email notification of a receipt saying someone used my account to purchase a XXXX dollar XXXX XXXX XXXX. Which I have no record of. Which is obviously a ploy to have me contact these people. 
These companies not only stole PayPal logo and pretended to be PayPal but they even have people over the phone pretending to be their help service which isn't the numbers listed on PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: NC

Complaint narrative:
My name was caught in a credit mix file that caused incorrect information to be reported in my credit file. I disputed these errors and submitted proof of identity theft affidavit. I recently reviewed my credit file and found the same closed negative account, wrong date of birth and this company has even reported my physical health as XXXX which is against HIPPA LAW. I have asked this company numerous of times to remove this wrongful information from my account because it is damaging to my credit and character.

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hello Team, I had purchase XXXX XXXX XXXX model with XXXX XXXX XXXX XXXX of XXXX Massachusetts on XX/XX/XXXX and when I had bought the vehicle I had took loan with Kia motor finance which was endorsed by the dealer. I duly closed the complete loan amount XX/XX/XXXX as I did a auto refinance to another institution, and now the loan amount with Kia motor finance was paid off. 

When I had bought vehicle i had bough couple of packages with XXXX which was again told by my dealer and since I wasn't satisfied with the product I canceled the service a year later, now this product was prorated and there was refund cheque to be issued to me, the dealer never sent cheque to me instead he sent cheque to KIA motor finance which in first place was wrong, moreover KIA motor finance en-cashed the cheque on XX/XX/XXXX for {$1200.00}. I had been following up with them from XX/XX/XXXX to get the money refunded back to me however they are just delaying the procedures, initially it was stated i will get a refund in a week and then when i went back to them on XX/XX/XXXX week they stated it will be sent by XX/XX/XXXX week and now they state it will take 1 more month, they are holding my money without no reason. If a customer doesn't pay money on time banks apply penalties and interest and now since they have en-cashed money which is not belonging to them and they are refusing to send money to me on time what penalties can be implemented on KIA motor finance and also what action can be taken on the dealer who endorses them in first place. I need help. Can someone assist me? 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting different names in my credit report. My name is XXXX XXXX XXXX not XXXX XXXX, XXXX, XXXX, XXXX XXXX etc. This company is also reporting an closed account that is hurting my credit and character. I've spent alot of time disputing this account from XXXX XXXX  and still haven't seen any changes.

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 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2020, somehow I was removed from a business checking account with JP Morgan Chase Bank, for a business I have and still clearly own 50 % of. I have called multiple times and spoken with customer service, but nobody can seem to assist me in answering my questions : Why was I removed from my own account? How was I removed from my own account that I have verified with Chase as of today, XX/XX/2020, that I am still listed as a 50 % owner? I was advised the only way to do this, would be through a letter on letterhead, stating the business only has one owner. I can not get a straight answer if this is what occurred, but I do know I have been unable to access my own business account for over a month. This is unacceptable and whatever relationship banker responsible, should be held accountable for doing this. This is not only fraudulent and illegal, but has caused me financial harm, due to not having access to my business accounts to pay myself my monthly member draw. I intend to press charges, if fraud is determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX, I was contacted by LoanMe with an opportunity to defer my next payment due to XX/XX/XXXX. I signed the agreement, completed all requirements and received confirmation that the agreement was accepted. After reviewing my credit reports, I see that LoanMe is currently reporting the account as 90 days past due although LoanMe has not owned the loan since XX/XX/XXXX. LoanMe also reported to XXXX  that the account was past due in XX/XX/XXXX, which was not possible based on the attached signed agreement. Copies of the reporting to XXXX  are also attached. Over the two years that I consistently paid this account, I paid over {$2400.00} dollars into this {$2600.00} loan only to have the principal decrease by about {$100.00}. LoanMe no longer owns this loan, but the affects continue to haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.

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 2020-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I believe I was victim of Identity theft, somebody stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: LoanCare, LLC
State: CA

Complaint narrative:
Below is an e-mail I sent to on XX/XX/2019 to loan care after they finally provided me with an e-mail. I attached supporting documents to support my case. The issue was never resolved. Calling the company proved futile. Due to a job relocation, I bought a new home with a much higher APR due to my affected credit score. This is affecting how a purchase moving forward. 

Regarding loan number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX Loan care tarnished my credit score my sending an inaccurate account to XXXX stating I did not pay three months. PLEASE, Im begging at this time that this be removed. I went from a XXXX credit score to XXXX because of Loancare, this has affect the purchase of a new home, caused months of emotional anguish, humiliation, frustration and anger. 
PLEASE, after many many attempts to get this correct and speaking to various customer service reps who all have told me different things and given me all different information, I finally received an e-mail to direct this to.

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 2020-12-07 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: NY

Complaint narrative:
I recently sent a request to have fraudulent items removed that are reporting only on TransUnion. Transunions response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that

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