vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-16 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: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have reviewed my results from the investigation regarding the Nationstar/Mr. Cooper Account and I am still being reported inaccurately. The account is not past due, should say current, never been late and it's the showing the wrong balance. I am trying to get a loan to pay for emergency medical bills, but I can't due to this very delinquent account. Please correct my report as I have already waited over the 30 days and it was not done correctly. This inaccurate account was not corrected in the allotted 30 days, please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc.,  and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. 

I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. 

I am reporting this to the Government Authorities of unlawful collection. 

XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. 


Please be advised TRansWorld Systems you are being reported for unlawful collection practices. 

Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX   XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. 

XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
I received an Action to Foreclose a Mortgage on XX/XX/XXXX. Included in that document was an acceleration of the debt. ( Please see attached pages Items 6, 7, 8, 9 ). 

The Acceleration date determined was XX/XX/XXXX. 

The 6 year Statute of Limitations expired on XX/XX/XXXX yet the Plaintiff, through a debt collection agency named Leopold & Associates, headquartered in XXXX, NY, has ignored the law and continues to attempt to foreclose on my property. 

Leopold filed a subsequent foreclosure Action for the same Plaintiff on the same matter, on XX/XX/XXXX, which is almost two months past the 6 year Statute, which they had to know or did know. This is a willful, knowledgeable, non compliant action on the part of the Plaintiff, XXXX XXXX XXXX XXXX XXXX, XXXX and Leopold. 

XXXX 's latest attempt to collect on this debt was a demand for payment dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Complaint Against : SELECT PORTFOLIO SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Reference Account : XXXX XXXX SPS Account # XXXX XXXX XXXX Account # XXXX Mortgage MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX COMPLAINT OVER MORTGAGE NOTE ALREADY PAID IN FULL This complaint is to request Select Portfolio Servicing Inc to open a investigation regarding mortgage note loan MIN # XXXX of XXXX XXXX Account # XXXX signed in 2006. 

There is a clear misunderstanding with this Mortgage Note that was already PAID in full. But the servicing Bank continue requesting payments and trying enforce a lien over a note that has already been paid by the borrower to the original lender. There is serious fatal errors with SPS accounting servicing regarding this account # XXXX. 

I request the servicing bank, Select Portfolio Servicing investigate this misunderstanding and solve this matter as soon as possible. The mortgage Note has been paid in full to the original lender XXXX XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl   XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This XXXX XXXX XXXX account # XXXX has been " Paid-in-Full ''. The account is not in a " Payment Plan ''. It should be listed as " Closed ''.

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 2018-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Its showing that my car payments are late on my credit report, but I have made payments through the app and scheduled payments. Its showing that my payments have been late every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX account # XXXX has been paid-in-full. XXXX XXXX was contacted on three ( 3 ) separate occasions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct information being reported, namely that the account was a " charge-off '' and in a " payment plan ''. XXXX XXXX has been very helpful in correcting the mistakes. Unfortunately, Experian CRA has continued to report incorrect information on my credit report such as " open '', " charge-off '', and " payment plan ''. I have contacted Experian CRA to correct the mistakes but they continue listing the false 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 non-monetary relief
Consumer complaint received 2018-07-16 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:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XX/XX/XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare XXXX and Capital 1 both clinging to 120 days to report fraud. I wouldn't have known at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Sent collection letter notice by XXXX XXXX XXXX regarding alleged medical debt, asked for verification of debt, received paperwork from XXXX XXXX containing screenshots & print out of account but nothing substantiating that the account belongs to or originated with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Last year ( some time in XX/XX/2017 ) my & my son 's SSI # 's were compromised when we went thru HUD to try for a home. Since that time we were given a years free reporting from the 3 agency 's. Experian has taken it upon themselves to check my credit sometimes 5 times monthly & say its not effecting my credit yet in those months it has brought my score down by at least 28 points everytime!

They also have told me I should Not pay off my credit cards on time as this hurts my credit?? The kicker was yesterday they dropped my credit score by 45 points! When I asked they said it was because I paid off my credit card too soon? What is wrong with these people? 
My son has a XXXX card, racks it up just to gets points & pays it off monthly, Nothing like this is happening to him. 
I did report this to my local Office of the Commissioner of Financial Regulation. As you will see they sent a letter stating I gave them almost unilateral permission to use my credit anyway they choose. I did not.

What I desire is for them to apologize and stop. This is messing with a ( what was a XXXX ) credit score in XX/XX/2017. 
By the way, I have called them, I have tried filing disputes, and now this is what happens. 
Sadly if the other two follow suit this will really hurt my credit There are two more pages ( I do hope the other 's made it to you ) That just won't copy. They are from XXXX XXXX @ Division of Financial Regulation XXXX Md. Re : # XXXX. I hope you can get the information from that office

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 2018-07-16 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 am a XXXX patient, XXXX does not charge for any XXXX related expenses if you have had the XXXX XXXX. XXXX has a contract to see XXXX patients. I told XXXX the {$50.00} should not be charged to me. I told I.C.system of XXXX, MN XXXX the same thing. I repeatedly gave I.C. system the account no : XXXX and I.C. System Reference No : XXXX and the true statements they repeatedly transferred me would not remove the charge and would not read me back the note that they had taken my statement.

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 2018-07-16 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: GA

Complaint narrative:
I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: GA

Complaint narrative:
I viewed my credit report and found late payments below.. 
Creditor : XXXXXXXX XXXX  Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16 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: GA

Complaint narrative:
I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The total balance of the Lowes SYNCB was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and XXXX. Tried to resolve with Lowes but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.

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 2018-07-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Wells Fargo Bank Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX ( XX/XX/XXXX ) and XXXX and XXXX ( XX/XX/XXXX ). Im not sure when this happened, I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2018-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Friday XX/XX/XXXX, my subscription XXXX had taken their weekly payments of {$18.00} and {$9.00}. Right after the bank charged a overdraft fee for both pending transactions. My balance was - $ XXXX. That night at XXXX I made 2 deposits. One deposit was an atm cash deposit of {$240.00}, 2nd was a check deposit at the same Atm of $ XXXX. Saturday I spoke with a representative, My balance was $ XXXX by the time I gotten everything situated on the phone. Today I check my account and XXXX returned the payments the bank said they paid and charged me the overdraft fees in the first place. My balance was suppose to be $ XXXX. I shouldnt be charged a returned fee for payments I already paid a overdraft fee for.

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