vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
YEARS AGO MY CREDIT WAS STOLEN. I PUT A FREEZE ON MY ACCOUNT. I JUST TRIED TO GO TO A CAR DEALERSHIP TO BUY A NEW CAR AND THEY COULD NOT ACCESS MY CREDIT. EXPERIAN WOULD NOT LET ME UPDATE MY PHONE NUMBER, AND THEY DIRECTED ME TO THEIR WEBSITE, WHICH DID NOT WORK AND I WAS LEFT WITH NO CAR. THEY TOLD ME I HAD TO MAIL DOCUMENTS TO THEM, WHICH WOULD HAVE TAKEN WEEKS. 
THEY ONLY CONNECTED ME TO PEOPLE WHO SPOKE VERY BROKEN ENGLISH AND I COULD NOT UNDERSTAND WHAT THEY WERE ASKING. 

I FINALLY GOT THEM TO REMOVE THE CREDIT FREEZE AFTER TWO WEEKS OF CALLING.

I NEVER WANT TO DO BUSINESS WITH THEM AGAIN BUT FEEL FORCED BECAUSE THEY ARE THE ONLY ONE.. THEIR WEBSITE UPLOAD IS USELESS AND MADE ME WANT TO PULL MY HAIR OUT.

VERY DISAPPOINTING

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 2019-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I had Chase mortgage for several years. I was current on my payments until summer of 2019. I contacted the Chase to make payment arrangement and later a modification to catch up on the missed payment. An arrangement was made and I made a payment as agreed. The next month my mortgage was sold/transferred to XXXX XXXX. XXXX XXXX started sending me notice that I am 4 months delinquent and in pre-foreclosure. Since my mortgage was just currently obtained by XXXX, there is no way I should be delinquent. Once I called XXXX, they had no record of the modification that was arranged with Chase and thus did not have to honor the payment agreement. I was not notified by Chase that the sell/transfer of my mortgage to another company would thus make me delinquent because XXXX did not have to honor the agreement and would negatively impact my credit score further. I feel railroaded and treated very unscrupulously by Chase Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have a Suntrust Credit Card that offered zero-interest balance transfer for a one-time fee. I took advantage of that for an approximate total of {$7300.00} in balance transfers over the course of 8 months. There is a minimum payment due on the transfer balance of approximately $ XXXX $ XXXX but no interest is charged until the expiration date of the offer ( XX/XX/2020 in my case ). Since obtaining the zero-interest balance transfers, I have only made two retail purchases amounting to approximately {$350.00} dollars. I was told by the banking rep that I could pay over the minimum monthly amount to cover those purchases and there would be no interest on those charges ( 16 % otherwise ). However, I have now been told by another rep that I can never pay off those purchases resulting in perpetual interest on those purchases until I pay off the entire balance of {$7500.00}. In other words, the bank is forcing me to pay interest on that {$350.00} despite my request to pay it off because there is still a XXXX interest balance transfer balance. I have now been told that if any portion of your credit card balance is XXXX interest, you can not pay off retail purchases that have 16 % interest. This apparently is in the fine print but was the opposite of what the original Suntrust rep conveyed to me. The Suntrust rep I last dealt with responded simply by saying that is the policy and the original rep ( upon which I relied ) was wrong. Nothing they can do about it.

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 2019-12-30 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: CA

Complaint narrative:
XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous 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 2019-12-30 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: CA

Complaint narrative:
XXXX, XXXX, and XXXX is trying to collect on an unknown debt for XXXX XXXX in the amount of {$6900.00} dated XX/XX/19. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I was charged {$120.00} & {$210.00} AS NEW PURCHASES USAA Initiated Fraud Investigation WITHOUT MY KNOWLEDGE OR PERMISSION XX/XX/XXXX The charges above were for XXXX XXXX XXXX XXXX {$120.00} purchased XX/XX/XXXX Merchant Credit Applied XX/XX/XXXX {$210.00} purchased. XX/XX/XXXX XXXX XXXX Applied XX/XX/XXXX Clearly, this is done to create FRADULENT CHARGEBACKS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
A public record is reported Discharged  XXXX XX/XX/2015 Reference XXXX I have contacted the credit bureaus directly. No one has provided an original signed contract, court documents, or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. Who reported the discrepancy. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency. What agency? The credit bureaus are the one 's reporting the information. Who then continues to report erroneous 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 2019-12-30 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: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome Mortgage transferred my mortgage loan to XXXX XXXX in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. AmeriHome told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX  but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX  told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX  and I was finally able to make my XX/XX/2019 payment. 

However, AmeriHome reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been denied credit several times. I received my credit report from the 3 credit  reporting agencies nothing negative on any report. I contacted XXXX XXXX they said TransUnion gave me a bad credit score. I contacted TransUnion by phone told to have XXXX XXXX call them. I wrote to TransUnion and XXXX XXXX several times. I only receive a copy of my credit report each time from Trans Union I also sent a copy of my credit score XXXX from credit wise. 
Know one will give me a reason why I can not get 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 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Not only was this medical bill posted to the 3 credit bureaus without first trying to contact me which is a violation of the fair credit reporting act, but I was never even informed of its existence.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Grogan Law Group, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I spoke to XXXX XXXX of Grogan Law Group of XXXX, NJ to set up a payment plan for my debt. She used a disrespectful tone, even after I had requested that I was fairly trying to pay what was owed and finding the best way possible. Her language was accusatory and demeaning. On XX/XX/XXXX when trying to make a payment, I spoke to a representative who frequently cut me off when I requested information and raised his voice in a demeaning manner. Before I could ask another question, he hung up as soon as the payment processed. In addition to this, I receive no receipts, only confirmation numbers. The initial summons was sent to an address that I was associated with but was not my legal residence. The debt that they were trying to collect was not associated with this address, therefore, I did not receive the summons and lost the lawsuit by default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
My cash app account was closed because I reported fraudulent activity. Cash app closed the account not me. However I have XXXX still in that account which I can't cash it out. I've tried numerous times to contact cash app with no response. I've tried to add my new debit card to retrieve my funds but they deny me my money over and over. All I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XX/XX/2019 for XXXXbalance also loan and interest went up too high 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 2019-12-30 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: TN

Complaint narrative:
Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with XXXX  and Transunion on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!

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 2019-12-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with Equifax and XXXX  on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY IDENTITY AND OPENED FEW CREDIT CARDS UNDER MY NAME. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY POLICE REPORT PROOF THAT THE ACCOUNTS WERE OPENED FRAUDULENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.

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 2019-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrect language on the XXXX account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.

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 2019-12-30 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Incorrect information showing on my credit report. Navy federal is showing 2 loans on my credit one {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX or XXXX  credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CA

Complaint narrative:
XXXX XXXX  transferred my mortgage loan to XXXX XXXX  in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. XXXX told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX and I was finally able to make my XX/XX/2019 payment. 

However, XXXX reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief