vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
This is in reference to my XXXX  Credit card with Synchrony Bank, that I applied for in XX/XX/2019, After receiving my card to set up automated payments I called to make a payment and set it up with what was asked of me which was my routing # XXXX and checking # XXXX, I proceeded to use my card quite frequently during that time after for travel and personal use etc., my account became very high so in XX/XX/2019 I paid the card off. I planned a trip in XXXX for a little over {$400.00}, after that trip I came home started making payments once again per automation off my XXXX XXXX XXXX card. On XXXX XXXX I received a letter from SynchronyBank stating that my account was closed because of a number of dishonored payments. Since that date I have called Synchrony, many times until I was told that if my bank fax a letter stating I was in Good standing they would reopen my account, I talked to XXXX  and they composed that letter in which the stated the wrong institution and noted XXXX instead of Synchrony, but they received it at Synchrony ) and sent it to XXXX or XXXX, it took a few days but they reopened my account on XXXX XXXX stating they would contact all major credit bureaus to remove any delinquencies I was so happy my credit was restored because I have paid my bills on time, even before they were due, but was still puzzled why this was happening. XXXX preceded to make a payment of {$35.00} toward my account using the same automated system and on XXXX XXXX I received yet another letter stating my XXXX XXXX XXXX Visa card account through Synchrony Bank was a deny payment, why would I make a payment and then deny it? They said it was done online, I told them I never go online, only call automation, thats when my bank told them they were sending my payments to the wrong account because XXXX   requires all the numbers, they are stating I gave the wrong numbers they put in the last 4 which is XXXX which we figured was going to someone elses acct XXXX  informed them they need to put in all the checking numbers in order for payments to go through. Please I need help on restoring my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. 
I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX  has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as " RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: MI

Complaint narrative:
I want to start by saying thank you for looking at the items I sent in for investigation to TransUnion, XXXX, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX XXXX  of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX   XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report. 

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information.

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that TransUnion, XXXX, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

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 2020-04-09 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: MI

Complaint narrative:
I want to start by saying thank you for looking at the items I sent in for investigation to XXXX, Equifax, XXXX   and XXXX XXXX.Upon investigating the accounts, I investigated directly from the source furnishing the data in this case the Bankruptcy U.S. Bankruptcy Court for the XXXX District of Michigan, to you to ensure that everything matches up as well. Upon looking at the history between all 3 credit bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts 1. Chapter XXXX Bankruptcy Case Number : XXXX XXXX   Errors Found : The Date filed is inaccurately reporting at both XX/XX/XXXX and XX/XX/XXXX. How can it be both? The reference number is inaccurately and has listed 3 difference numbers as follows : XXXX and XXXX. In addition the closing date is being reported in accurately and listing 3 different dates as follows ; XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. Even the court that is being listed inaccurately there are 3 different listings this is a clear violations. It is being listed as : U.S. Bankruptcy Court, US BK CT-XXXX XXXX XXXX, and Federal, this reflects a series error in your reporting. The Liability and Exempt amount is listed as XXXX which is also inaccurate. 

Action Requested : Please Delete this Inaccurate public record from my credit report.

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent XX/XX/XXXX I asked them to delete anything that is not 100 percent accurate. I contacted the court and and have enclosed the letter they sent to me saying the dont furnish information to any credit bureaus. The third party is providing you inaccurate information. 

This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. They stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the public record above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
my original 2nd mortgage was with XXXX XXXX but they had filed for bankruptcy. By letter dated XXXX XXXX advised that effective XX/XX/2020 I was advised that Shellpoint Mortgage Servicing would now service my loan. Made XX/XX/2020 payment and by an undated letter from Shellpoint I received my loan info including new loan number and balance. On XX/XX/2020, I contacted Shellpoint ( also known as New Res ) to inquire about bill to pay mortgage and was told a payment coupon should have been included with undated letter but it was not. At that time I asked for a pay-off figure for my mortgage thru XX/XX/2020 and the CSR took my info including my e-mail address and said I would receive the figure via e-mail within 48 hours. I did not receive my pay-off figure as indicated and called back on Thursday XX/XX/2020 I called and went thru same process of requesting pay-off and was told I would receive via e-mail. I also completed an on-line request for a pay-off figure thru XX/XX/2020 and it indicated I would receive figure within 5 days. Since I did not receive requested pay-off I called again ( XXXX ) and spoke to a CSR who stated that there was no record of my requesting a pay-off figure. I told what the previous CSR told me regarding receiving pay-off w/in 48 hours and she said why would they tell me that when she alleged it would take 5 days. I told her the CSR works for Shellpoint so go ask them. She apologized and again took all info and said I would receive via e-mail within 5 days. Since my first request was XX/XX/2020, I should have received it 4 days ago. Since apparently they are a collection agency I believe they delay providing the pay-off figure so they can make more money holding the loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: IL

Complaint narrative:
XXXX has failed to remove the following account from my credit report after XXXX and Transunion has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy XXXX Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number 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 2020-04-09 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: IL

Complaint narrative:
XXXX has failed to remove the following account from my credit report after Equifax and XXXX has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
My mortgage servicer made a huge error on my annual mortgage escrow analysis. After complaining to the CFPB they finally fixed it. I delayed making may XX/XX/XXXX payment until XX/XX/XXXX, waiting for them to fix the error and correct my payment amount due. 

They charged me a {$5.00} processing fee for making the payment, which was not disclosed to me when I initiated the payment. 

This is rediculous. They mess up my mortgage escrow, had to refund me over {$1300.00} in excess escrow balances, adjusted my monthly payment down by about {$200.00}, then charge me {$5.00} for paying on the 6th of the month? 

This is the third time I've filed a complaint against this servicer. Filing complaints is the only way to get them to fix their errors. They should be fined.

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 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My husband XXXX XXXX and my self XXXX XXXX were contacted by our mortgage company Freedom Mortgage XXXX XXXX XXXX NMLS ID XXXX about refinancing our current loan at a new lower interest rate at NO COST TO US.  We talked with her several times and reiterated that this would be at no cost to us. We ok for the process to go forth and on Friday XXXX XXXX we were in the midst of signing papers and I said the figures do not look correct. Our closing agent tried to call Freedom Mortgage and could not get ahold of anyone. We were told there was a window of time we could stop all proceedings so we completed the signing. On Monday my husband XXXX got ahold of XXXX and she forwarded the closing statement saying all was in order, although I was not at home that week to try and discuss with her. The statement of our Balance of old loan paid in full on XX/XX/XXXX was {$350000.00} loan # ... XXXX, and new loan amount was {$360000.00} an increase of {$3800.00}. We also have an auto payment in the amount of {$1200.00} withdrawn on XX/XX/XXXX after loan docs were prepared on XX/XX/XXXX and were told this payment would be coming back to us which it never has been. When I just checked my principle balance today XX/XX/XXXX they have adjusted our principle balance on new loan to {$360000.00}!!!! They know what they are doing is wrong and now trying to cover this up!!! We have tried for weeks to contact someone at the bank with no avail and I have records of my emails sent to them through their Message Center on the website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XXXX and have received no contact at all from them. I and labeled my emails THIS IS FRAUD to try and get them to contact us but nothing. We have also tried numerous times to contact them by phone and left messages but no return contact. Please help us get this corrected with them as need help. 
Thank you very much, XXXX and 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 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from Diversified Consultant as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

You have deemed the debt valid by putting on my credit report before sending me written notice and allowing me to dispute. The address on the documentation you attached was not sent to the correct address, they were all sent to an address that I no longer live at and the amount that is being stated I owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I made one direct wire payment to Select Portfolio Servicing , Inc. On XX/XX/XXXX in the amount of {$650.00} for XX/XX/XXXX payment and two payments by direct wire service to Select Portfolio Servicing , Inc. XXXX XX/XX/XXXX in the amounts of {$650.00} and {$91.00} for " Other Fees ''. Select Portfolio Servicing , Inc. lost these payments until approximately XX/XX/XXXX, at which time I was approved for a trial mortgage modification. I sent the certified copys of the wiring confirmation and also my bank statements showing proof of the 3 cleared payments. They have brought my credit score down by XXXX points. They refuse to correct the score and reporting now that they have found the 3 missing payments. My payments I made were in well before the XXXX XXXX Grace Period End Date ) of the month they were for. XXXX XXXX XXXX XXXX XXXX has the worst record keeping and service representatives I have ever encountered. They need charged with fraudulent credit reporting and negligent erroneous record keeping. I had a 100 % payment record with no miseed payments from XXXX till XXXX, they have taken away something I was very proud of and continue to cause me financial injury by not restoring my perfect payment record. I have also sent them the first trial modification plan payment of {$510.00} that was due on or before XX/XX/XXXX. I sent it by XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX. The {$510.00} is being held in a separate part of my mortgage account till all 3 trial payments have been submitted properly. I just want my credit scores corrected with all 4 Credit Reporting Bureaus they use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation