vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
XXXX  and Experian are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX  dated XX/XX/2019 along with the Settlement Agreement dated XX/XX/2019. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Mid XXXX I received a collections letter from Capio Partners LLC, XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX, TX XXXX regarding an XXXX bill of {$160.00} incurred about 5 years ago which was paid through the doctor 's office ( XXXX XXXX ) {$200.00} for XXXX before the service was performed. However, a few months later I recieved a bill for the same XXXX. I called the XXXX service and they explained that they were changing their billing service and mistakenly showed a debt. They apologized for the mistake and the issue was resolved. I kept the bills and notes of who I called for another year before discarding them after it was evident this issue would not be revisited. The day I received the letter from Capio, I called and explained this. The agent could care less and threatened to report it to the credit bureaus. I told her I would not pay them for something I did not owe nor an extortion attempt. She became rude and I hung up on her. On XX/XX/2019 I received a notice from my credit check service at XXXX that they had reported this to XXXX and XXXX. After speaking with XXXX I had also found that they had illegaly re-aged the alleged debt. Disputes were filed with XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XXXX I received a letter from Champion Mortgage Company stating that they had to make payments for delinquent taxes in my behalf. 

The taxes are NOT delinquent as they are due by XXXX XXXX XXXX XXXX I called the mortgage company to discuss the problem and they stated a third party company advises them when a customer has unpaid tax payments and based on that only they say they sent payments. 

XX/XX/XXXX I called both the local and county tax offices and both said in no way am I delinquent as they aren't due until XXXX. 

XX/XX/XXXX I called the mortgage company back to tell them I spoke to the tax offices and they were unhelpful and continued to repeat the same things that i was delinquent. 

They advised me to pay them back or face possible foreclosure. They also charged me fees because I was supposedly delinquent. 

They said they paid a total of {$2400.00} As of XX/XX/XXXX neither the county or township have received payments from Champion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: ME

Complaint narrative:
Sychrony Bank closed my Amazon account in XXXX of XXXX yet continued to process fees and reported to the credit bureaus as if this was an active account in continued delinquent status. This company went so far as to list the balance as a profit and loss yet never adjusted the amount to XXXX owed. This continually reflects an over the limit circumstance that is crippling my credit score. 
Sometime between XXXX of XXXX and XXXX of XXXX, Sychrony Bank hired XXXX XXXX XXXX to apply their algorithm- based computer system to attempt debt collection. My account was pinpointed as an account that could yield capital and in XXXX, XXXX I was served with notification that I am being sued by Sychrony Bank through the XXXX XXXX XXXX XXXX of XXXX, Maine for the exact amount they claimed as a loss on their taxes. It also needs to be mentioned that in XXXX/XXXX ( I believe ), Sychrony Bank reviewed my credit and although I was in continued good standing and current with this account, they chose to lower my credit limit to what I owed ( XXXX ), making this a 100 % use of credit that dropped my score. Subsequent over-limit fees were assessed for annual fees that would not have been should they have not punished me for having a late payment on an account that was not theirs.

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 2019-10-22 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:
In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.

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 2019-10-22 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: UT

Complaint narrative:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: UT

Complaint narrative:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

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 2019-10-22 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: UT

Complaint narrative:
XXXX # XXXX is reporting a collection on my account that I should not have, I never received a 30 day right to dispute for this collection and furthermore when I did find out about it I then went and paid it but it is still reporting a balance. This is paid and I never got a notice about it before it went to collection.

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 2019-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have been trying to apply for the XXXX Forgiveness Grant Application that Navient offers. I have filled out and sent in on 5 different occasions their form for requesting the grant. Each time it was denied I would call up and fix the error they said I had made, and then resend it in just to find out that another error was " noticed '' on it and then had to refill out and send in the form again. On XX/XX/XXXX I sent in what I had hope would be my 6th and final form. I did NOT get a denied letter this time so I assumed it went through. 2 months have passed and I didn't receive anything from them, so I called them today ( XX/XX/XXXX ) to see how my application is coming along. The representative told me that it was never sent and that they already told me it was denied. After arguing with her she then apologized and said that I was right I didn't get a notification, but I still needed to fix my form FOR A 6TH TIME. I told her I wanted to speak to her manager or another representative. I was transferred and she, again, confirmed that I was right and they did not inform me that my application that I sent in XXXX was denied. I then asked well can they send it in now. She said no because of section 3 on the form THEY GAVE ME and already filled in was incorrect. I needed to write " NAVIENT '' on it not their phone number ... but I explained to them that THIS WAS THEIR FORM AND IT ALREADY HAD THEIR NUMBER ON IT, I DIDN'T DO IT. Plus if that is all then why can't they just write it in themselves? Why is it such a big deal to not send in my form to the government to get approval? I have been XXXX  for 9 years now with XXXX XXXX and all I'm asking is for that {$5000.00} dollars that they promised by filling out a simple form. Why is it becoming more of a hassle than it is? So now I have to re-fill out a new form and resubmit it and hopefully then " accept '' it, but now I am pushed back on paying off my loans for another 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: U.S. BANCORP
State: CA

Complaint narrative:
My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I returned my lease to GM Financial Leasing. On XX/XX/2019 I received the first bill for excess wear and tear of {$1700.00}. I immediately contacted XXXX XXXX, I purchased a policy with them for excess wear and tear a the beginning of the lease. XXXX requested a lot of documentation that GM did not provide me with and when I would request documents they would transfer me back and forward from representative to representative. Finally when I was able to get a hold of someone that could help they would tell me that it would take 15-30 days for me to get the documents. I explained many times that I was working with XXXX to get the bill payed and they needed the information. On XX/XX/XXXX I called GM to request information that I had previously requested that I never received, the representative told me she would put my account on hold while all the information was being gathered. My understanding is that if my account on hold is that they wouldn't report it as a late payment knowing that GM is making it extremely difficult to close the process because they were not proving all the information I needed to submit to the insurance. GM Financial lease NEVER sent me other bills other than the one I received in XX/XX/XXXX nor did they send any correspondence saying the payment was late and action was going to be taken.

GM reported this as a late payment to my credit score. After many phone calls to GM and basically begging them to provide the information the claim was payed by XXXX in XX/XX/2019. GM financial records the phone conversations, they can go back and see how difficult they made this process and their customer service representatives lack of care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: FL

Complaint narrative:
I have sent multiple disputes to both XXXX, Transunion and XXXX in which Transunion and XXXX  are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.

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 2019-10-22 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: FL

Complaint narrative:
I have sent multiple disputes to both XXXX, XXXX and Experian in which XXXX and XXXX are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

Experian continues to report inaccurate, unverifiable information as well.

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 2019-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
We paid cash for the services rendered and charged to the Care Credit account ; Therefore, the money " charged '' to the card is inaccurate.

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 2019-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I acted as a liaison between two individuals whom I do not know at the behest of a friend who is friends with one of these parties. A man from XXXX wanted to send money to his fiance living in XXXX. There was no XXXX XXXX nearby for him to access and PayPal does not operate in XXXX. He made three PayPal deposites into my PayPal account ; {$100.00}, {$120.00} and {$100.00}. I deposited these transactions into my bank checking account and then used my debit card to foreward each transaction via XXXX XXXX to his fiance in XXXX who my friend knows. The money was picked up. 
Days later, the man in XXXX Filed a claim to PayPal that he had not received the " merchandise '' that he ordered from me and PayPal settled in his favor for the amounts of {$100.00} and {$100.00} plus fees. PayPal ruled in my favor for the {$120.00} transaction. 
I have made several attempts to dispute these claims against me but PayPal is very difficult to work with. I have sent all the proof necessary. They will not look at these transactions in totality.. They will only judge them individually and can't see this as a scam. The fiance got her money and the man in XXXX got two of his transactions refunded to him. He likely " gamed '' PayPal 's system which favors the " buyer '' Im XXXX years old and have a great deal of trouble navigating PayPal 's Website and the people on their chat help line are inexperienced and follow a company protocol and are unable to help me. 
Perhaps you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i receive notice that they receive the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company and talking to them about removing the late pays as a courtesy after explaining the situation because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
This is a follow-up to complaint XXXX, which has been closed by PHH. They have provided a settlement offer to close the deed in lieu process but nothing more was provided. They have provided with a settlement amount, which seems unreasonable, and I'm unaware of how they arrived at that settlement amount. I have requested hardship assistance and they are offering none, and they are not taking any responsibility for their failings throughout this process. It is unreasonable to expect that I agree to a payment without knowing how they arrived at that amount, without them accounting for their shortfalls in the process, and without knowing next steps or terms of the deed in lieu. 

I would like PHH to take responsibility of their shortfalls throughout this process, which have exacerbated the hardship I continue to experience, and to STRONGLY consider the counteroffer provided. Furthermore, I need PHH to communicate, clearly, the next steps and expectations of the deed in lieu process, expected terms and conditions of the agreement, provide a draft of the deed in lieu documentation, prior to any agreed upon payment or expected signature. I have provided a letter to PHH outlining the issues experienced, my counteroffer, which I deem reasonable given the experiences with Ocwen/PHH, and requesting specific next steps regarding the deed in lieu.

Company response to consumer: Closed with explanation