vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: WA

Complaint narrative:
XXXX; Experian and XXXX  are reporting incorrectly that I am (60) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these 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 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: CT

Complaint narrative:
Stop reporting me late I do not have an arrangement with you, nor do I make payment to you.

This account is in dispute I do not owe these people this type of money.

his companies is reporting me late to the credit bureau and I am being refused credit because of them. This account is old and in dispute I do not have a payment arrangement nor a payback or anything because I do not owe them anything.

What right do they have to continue to report me late for the sole purpose of discrediting my integrity? I have not had this account for many years, and it is closed why are they still able to report me as being late. The company is a fraud a prey on poor people why would you repo a car and take it back after 1 missed payment and sell it for XXXX and the car was 2 months old. It is all a scan to make poor people worse that it. I do not owe them this kind of money. I ask you to get them to stop reporting me late for something I have no credit with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I started a refinance process of my existing loan back in XX/XX/2019. I wanted the lowest interest rate, lowest monthly payment, no closing costs, 30 year fixed mortgage, I am not taking any money out, and I wanted to pay the fewest points possible. I have great credit, very little debt ( 1 home, 1 car, 1 credit card that I pay off every month ) and should have been an easy in and out refinance job. 
My existing mortgage provider ( XXXX ) called me and pleaded with me to stay with them. They were in bankruptcy restructuring and did not disclose they had been sold to NewRez. I agreed to stay with XXXX to make the process quick and easy. Needless to say, it is now XX/XX/2019 and my loan still has not closed and is now with NewRez. 
My credit has been pulled multiple times and I have incurred a 31 point drop in my credit score from XXXX ( I was told multiple times that refinancing to a lower my interest rate would only impact my credit score by 1 to 2 points - this is far from what happened! ). 
My loan has unlocked at least once, the person that I was working with quit and NewRez did not move the loan to a new processor to actively work. 
After repeated emails and phone calls I finally found out my loan fell into a black hole as a result of the person leaving the company. Due to all of the missteps on NewRez 's part they PROMISED they would give me a great rate and a great deal as a result of all the hassle. This was hardly the case ... they lied to me, tried to pass thousands of dollars worth of costs to me and then pretend like they didn't ( they were shocked when I would ask, where are these costs suddenly coming from ... and pretend as if I must be mistaken, there were no costs being passed to me! They aren't the only ones that can compare multiple documents and add! Had I taken them on face value, I would have paid money to line their pockets with commission. We still have not closed, I have called their corporate office and am waiting a call back from their General Manager. 

The lies, the manipulation, and the lack of respect for people is unconscionable. There needs to be tools that guide consumers with facts about rates, closing costs, points, etc. I know I am being lied to and manipulated but I have no idea to what extent! I simply want a fair refinance, but to date this has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
Beginning XXXX I was unable to access any information regarding my account which has over {$12000.00} in it. Customer service number was inoperable and the website was non-functioning. They mobile application stated that it was offline for maintenance, their website stated that it was offline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION is reporting entries from XXXX XXXX  XXXX and XXXX  XXXX  XXXX  on my credit reports. Reporting of these collection accounts are false. In California minor children are required to maintain coverage under the state's mandatory Children's Health Insurance Program ("CHIP"). Because the credit report entries of XXXX  XXXX  XXXX  and XXXX XXXX XXXX are attempting to collect purported debts for emergency medical treatment rendered to my minor children they are invalid since a medical provider is comparatively liable in not complying with the state's mandatory insurance provisions. TRANSUNION's negligence is that they still continued reporting this inaccurate, fraudulent consumer collection information on behalf of XXXX XXXX  XXXX  and 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 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: NV

Complaint narrative:
On XX/XX/2019 I received notification from a company stating that they were collecting on behalf of XXXX XXXX. I called and spoke with a representative and I advised that the only thing that is owed to XXXX  would be the equipment and explained that I never received any notification that there was a bill due or that they were sending it to collections. Representative told me that I needed to return the equipment which I did. I called back to see what amount they are claiming was owed now, since I never received an updated notice and they advised me that there were early termination fees and service fees, and a collection fee. I advised once again that I was never notified that there was a balance due and that I was disputing the balance. The representative told me that they were going to report my account to my credit, no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I signed up for Transunion credit services and was charged XXXX I was able to stop this unknown subscription I had but I would like a refund. I signed up yesterday and the charge showed up in my account this morning. It says a FREE credit score check but I was still charged. I have had the account for less than 24 hours and would like a refund if possible.

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 monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Honda has added extra charges for a vehicle they reposted by choice then they refuse to give me back the car. They receive full balance for this car then they charge extra money just so they can bill me and mess up my credit. This company continues to report me late for no reason I have no agreement with them no I do not feel as though I owe them anything. I have fought this time and time again I am on XXXX XXXX   and work partite they took my car when I came to visit NY and I lost my job! I am still not working full time they had no reason to deny me back the car now they are reporting me late and ruining my credit just for their purpose. They are never going to get this kind of money from me I told them that they never even tried to resolve this they lease these cars to people and take them back and leave people in XXXX XXXX area with bills they do this on purpose. 
I want them to stop reporting me late I do not have a agreement with them for any payment I can not pay. They just want XXXX people to file for bankruptcy I will not do that. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I made a double payment by mistake on XX/XX/XXXX and called Bank of America customer service to report this and to refund my overpayment to my checking account. After more than a week, I called again to report it had not been done. I drove to my local branch and they made a call and said it would be a few more days. It has been over 2 weeks now and I am still trying to get the money refunded to my account. Everyone keeps telling me it is being reviewed, but I am not getting any action.

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 monetary relief
Consumer complaint received 2019-12-20 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: NC

Complaint narrative:
I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX  XXXX  XXXX  Account Number: XXXX****: I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.

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 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XX/XX/2019 Radius Global report debt to my credit report for {$3100.00}. 
Explained the debt is not mine and Radius Global refused to remove collections from credit bureaus. 

Debt is belong to a minor of friend who visited my town. 
Debtor is not related to me or family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I originally saw {$3600.00} outstanding. I have been in contact with US Bank representative XXXX XXXX, XXXX XXXX and others. Per our conversations, US Bank was to mail {$140.00} this week and the other matters pending since XXXX, 2019 namely CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
To date, Friday, XX/XX/2019 I have received 0 confirmation. 

Below is my email to US Bank on XXXX XXXX, 2019 memorializing our conversations : XXXX XXXX XXXX XX/XX/2019,  XXXX AM ( 3 days ago ) to XXXX, XXXX, me, XXXX, XXXX US Bank XXXX Per our conversation, this is to confirm that my {$140.00} check will be mailed this week and all other matters pending since XXXX, 2019 CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
Again, my mailing address is : XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL 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 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MA

Complaint narrative:
Vanderbuilt mortgage and finance is inaccurately reporting a mortgage as being paid for less than amount owed. Originally they had reported it as a foreclosure, then after contacting the CFPB they changed it to settled for less that amount owed. I refinanced my VA loan away from Vanderbilt mortgage and finance in XX/XX/2019. I paid off Vanderbilt mortgage and finance with a new conventional mortgage with XXXX XXXX XXXX. Vanderbilt is incorrectly reporting on my credit report. I paid off the principal balance of the loan plus attorneys fees when I refinanced. I am unable to qualify for a mortgage loan now because of the inaccurate reporting from Vanderbilt. My home was not foreclosed on. Vanderbilt mortgage and finance provided a payoff quote to my new mortgage company that they paid directly to them. XXXX XXXX XXXX has had to be contacted twice to get Vanderbilt to abide by the agreement made with us, to accept payment in full and discharge the lien on my home.

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 2019-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am attaching more documents. I am filing this consumer complaint because I attempted to resolve my concerns directly with crooked PHH/Ocwen and its dishonest lawyer who lied to cover up loan servicing abuses that have caused me extreme harm, just like when Ocwen/PHH and attorney XXXX XXXX accused me of not putting my loan number on a cashiers check when I did. The pretender lender loan servicers and XXXX XXXX never apologized for intentionally harassing me to cover up loan servicing abuses. On XX/XX/2019, XXXX XXXX attorney XXXX XXXX responded to my consumer complaint misleading the CFPB to cover up more loan servicing abuses. I attached documents that prove how dishonest they all are. MyXX/XX/2019 payment was due. On,XX/XX/2019 I paid the XX/XX/2019 payment on XX/XX/2019 which put my account into a current status. My next mortgage payment was due on, XX/XX/2019  The documents I attached for review proves that the troubled loan servicer is pretending that my loan was over 31 days late when it wasn't. On XX/XX/2019, just days after my account was put in current status the troubled loan servicer created a XX/XX/2019, statement early so they could pretend I was in default, because that's what pretender lender loan servicers do. On XX/XX/2019, when my loan was in current status and not in default I received an early intervention letter giving me options how to give my home to the pretender lender loan servicer or how to save my home from foreclosure. On XX/XX/2019, I mailed a letter to XXXX XXXX regarding several concerns I have about PHH/Ocwen loan servicing abuses including requesting written consent from the troubled loan servicer to put my property in a living trust, as of today XXXX and its lawyers failed to respond. If XXXX XXXX dishonest attorneys continue to be dishonest to cause me extreme harm I will have no other option other then to search for help from other sources including law enforcement and the city mayor to investigate my concerns. I am asking the troubled loan servicer and its attorney to try and be honest and respond to all my concerns that I addressed in my XX/XX/2019 letter mailed directly to the troubled servicer and its attorneys. Please respond to my latter dated, XX/XX/2019, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, TRANSUNION, XXXX, and XXXX  is reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent TRANSUNION, XXXX, or XXXX  disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable 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
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery keeps calling on different fake numbers ( the one today was XXXX ). We have told them numerous times to quit calling this business number. The debt is from years ago and past any time for legal collection actions. They sent a letter to this effect. Under FCRA, they are not to call if told not to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC
State: PA

Complaint narrative:
I received a notice from a company called " GB Collects '' on or about XX/XX/2019 regarding an alleged debt owed to XXXX XXXX XXXX/XXXX. The purported debt was as a result of cancelling a health insurance plan previously purchased and then validly cancelled. I resolved this matter with XXXX XXXX XXXX/XXXX. In accordance with the Fair Debt Collection Act as well as the applicable Pennsylvania statutes, I responded via letter to GB Collects on XX/XX/2019 to cease any and all communications concerning said debt and to furnish to me valid documentation of the debt. On XX/XX/2019, I received two ( 2 ) phone calls on my cell phone from a " XXXX XXXX '' at XXXX XXXX and XXXX XXXX of a harassing and threatening nature. Mr. " XXXX '' repeatedly disregarded my requests to cease contact and then mocked my attempts to explain that I properly have disputed the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, XXXX EQUIFAX, and XXXX XXXXs reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent XXXX, EQUIFAX, or XXXX disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.

Company response to consumer: Closed with explanation