vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
I mailed, by and through my attorney, to Real Time Resolutions ( Real Time ) a Qualified Written Request and Notice of Error pursuant to 15 U.S.C. 2605 et seq. and a Notice of Error pursuant to 12 C.F.R. 1024.35 on XX/XX/2020. The purpose of the Qualified Written Request and Notice of Error was to notify Real Time that the lien on the property is expired because the statute of limitations to enforce the promissory note and mortgage granting the lien have expired. I submitted my Qualified Written Request and Notice of Error to Real Time because Real Time purports to be the mortgage servicer although there is no assignment of mortgage recorded in favor of Real Time. Real Times inadequate response to the Qualified Written Request and Notice of Error is the basis of this complaint. 

On XX/XX/2020, Real Time purported to respond to my XX/XX/2020 Qualified Written Request and Notice of Error. Although my XX/XX/2020 Qualified Written Request and Notice of Error clearly and unequivocally informs Real Time that the promissory note and mortgage it purports to collect upon are expired under Michigan law, Real Times XX/XX/2020 letter seeks to collect an alleged balance of {$170000.00}, when any amount that was allegedly owed to Real Time or the creditor Real Time allegedly services the loan on behalf of is now an expired debt under Michigan law. 

Real Times XX/XX/2020 states, '' Real Time Resolutions , Inc. ( RTR ) is servicing a delinquent mortgage with respect to the above-referenced property .. .RTRs documentation shows that a lien associated with this account remains on the property. If you have reason to believe that this not true, please contact RTR so that we can update our records. '' As requested on page 2 of my Qualified Written Request and Notice of Error, Real Time failed to 1 ) make appropriate corrections to indicate that the debt and mortgage are expired, 2 ) release the lien associated with the expired mortgage, or 3 ) provide me with a written explanation or clarification if RTR [ Real Time ] believes the account is correct.

Real Times XX/XX/2020 letter fails to provide a substantive response to my XX/XX/2020 letter because Real Time does not address my assertion that the promissory note and the mortgage securing the promissory note are both expired under Michigan law. Real Time further fails to provide a substantive explanation as to why Real Times lien is valid if the promissory note and mortgage from which the lien was derived are no longer valid. Real Times XX/XX/2020 letter is an implicit refusal to remove the lien but provides no legal explanation as to why Real Time is entitled to enforce the purported lien in light of the expired promissory note and expired mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NJ

Complaint narrative:
I have a child support card. The card number was stolen and {$3000.00} in multiple charges made out of state were done on the card. I have attempted to call the company to get charges reversed no luck. The company has had me on hold for over a total of 5 hours over the past few days and all I get is put on hold again until it either hangs up or I can't wait anymore. This a Reg E issue and they should be refunding me the money on my card, I need this to support my family. This process should not be this difficult you can find many stories online and the state of NJ is doing nothing to stop this horrible customer service and violations of Reg E.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I had made payment on cc like I always do all my bills at once which is the XXXX of the month n I post date the ones thats not due then the bill was due XXXX XXXX on the XXXX I got a email said my bill was due I paid the bill 1000 dollars the next month 500 dollars but they saying my bill was due even tho my account said I had paid it on the XXXX XXXX XXXX never missed a payment before I had two bank America credit card one I had never used n owed 6000 on the other paying over the amount that was due so I talk with at least six ppl that day trying to find out what was going on no one knew a week later I received a letter stating my cc that I never used was closed n the other card the available amount was lowed the percentage rate on the one I used was much lower than the one hadnt used the reason on the paper I received didnt make since I had money n the bank to cover my payment n the other cc I have had no balance n to just change it like that n having been a customer for 30 years I would like to know whats the problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I told them I was working with a debt consolidation company, and they still keep on harassing me about the loan I owe at work and at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: World Omni Financial Corp.
State: FL

Complaint narrative:
Southeast Toyota Finance company keeps re-aging my debt so that it shows on my credit report longer than the 7 years allowed by law. I can not get help from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I recently traded in a Nissan automobile and purchased a new one. During the trade in / paperwork transition the company billed me and deducted a payment from my checking account on the vehicle I traded in. It was in the amount of {$740.00}. They told me on XX/XX/2020 that they would mail me a refund for the overpayment of the above amount. To this day I have yet to receive my refund. I have made numerous calls to Nissan Finance in XXXX Texas and been told various stories. I have been told they sent me a check on XX/XX/XXXX, ( I never received it ). I have complained and asked for my money which is long overdue. I feel they are fraudulently withholding my money. I get a different person each time I call. I have been told they are sending me my check via XXXX overnight, Ive been told another check was sent XX/XX/XXXX and XX/XX/XXXX. I am beyond frustrated and feel the company is being deceitful. This is the fourth Nissan I have purchased and financed with Nissan Finance. They have my address. There is no reason for this to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: TN

Complaint narrative:
I had questions about my TransUnion credit report ( through XXXX XXXX XXXX ), and the customer service rep advised me to pull my free annual credit report through TransUnion 's website. 

I pulled my free report through TransUnion, then noticed a charge from them on my credit card. I checked my email, and they had, without my consent, signed me up for a monthly credit reporting subscription service with a {$25.00} fee. They had me input my credit card number when I made an account and requested my free report - no where in that process was I asked, or did I authorize, to sign up for a cost-based subscription to be billed to that card. There is also no ( or at least no clearly visible ) way to cancel this subscription online, and thus you must cancel by phone. 

I called TransUnion and had the service cancelled, and will be filing a billing dispute with XXXX XXXX. TransUnion, as one of three credit reporting agencies in the U.S., should not be able to scam American citizens.

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 2020-07-20 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: MA

Complaint narrative:
I have held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with XXXX. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with Experian and called XXXX to find out why there was a negative report on my account. I got a run around from, purchasing some items while in XXXX in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in XXXX or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but XXXX declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against XXXX for the wrongful negative report as there was a charge after I paid up my account. I do not owe XXXX XXXX any amount and wish the negative report lifted from my account as it is erroneous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/2020, my Hancock Whitney VISA credit card was charged for {$1100.00} without my permission. This charge was temporarily put on hold but put back on the card when the Dispute Resolution Department sent me a letter saying there was no billing error and I was responsible for the charge. I reported it to the fraud department but they could not help me. I saw that my rewards points on the card indicated a large point withdrawal so I contacted the rewards department and was told that the points were redeemed for an airline ticket or tickets and the balance was put on my credit card. I was told that the ticket was for a XXXX XXXX. I gave the Dispute Resolution Dept this information, but they said there was proof that it was my charge and they would not re-open the case. At no time was I sent a copy of my authorization for this charge, although I requested this each time I i spoke with them, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I don't know what else I can due except hire an attorney. Please help me clear this up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
The Columbia Debt Recovery group ( I believe d/b/a Genesis Credit Management ) has asserted a fraudulent amount owed and represented the same to various credit reporting companies. Per stipulation filed in a XXXX XXXX XXXX on or around XX/XX/2018, a total of {$2100.00} was agreed to be paid to bring the superfluous eviction case brought against me by XXXX XXXX XXXX XXXX to a resolved conclusion. This was the agreed total cap of the amount owed. XXXX XXXX XXXX, however, failed to credit my account or offset this total due by the last month 's rent that I had paid ( total of {$1000.00} XXXX or the deposit I had made on the unit prior to moving in ( {$300.00} XXXX. This brings the total to {$790.00}. I have indicated from the onset of this disagreement that I stand ready & willing to pay this {$790.00} today. However, Columbia Debt Recovery has inexplicably added {$1400.00} in 'late fees. ' The only reason I am even aware of this added figure is because this is the amount indicated on my credit report ; I have never received an accurate billing or a justification for this late fee. Note also that the stipulation does not indicate any late fees & there is otherwise no agreement for this late fee. Further, any late fee percentage would have been based on the higher figure that does not account for payments made or the proper offsets as indicated above. Columbia asserts that they have not received evidence that the last months ' rent was paid, but that is an incorrect assertion. They received a copy of the uncashed check given to me by XXXX XXXX XXXX as a refusal of my last months ' rent. Because this amount remained in the landlord 's bank account, this is irrefutable evidence that the last months ' rent was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
LightStream continues to call. On multiple occasions they have called while payment is in process or a payment has already been deferred. On every occasion the caller ID is marked potential spam and the caller requests for my SSN without verification. I have reached out to set up a pass phrase, attempted to verify through account number or request other means of verification. This method of contact exposes all customers to the risk of identity theft and better practices should be instituted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2020, my mom tried to access her online Chase savings account and it was locked due to suspicious activity. The website provided a number, XXXX to unlock the account. I was put on hold for over an hour before someone answered and they were able to unlock the account. We explained that we were trying to transfer to another account that had been verified by recording 2 small deposits that Chase made to the account we were paying to. We tried the transfer again and again, they suspected suspicious activity and we had to call and were on hold for 2.5 hours and then disconnected. There is no online option to unlock the account, no chat option and the call center does not offer a callback number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I pulled my credit reports today, XX/XX/XXXX to find I have a collection listed on my reports by Calvary Portfolio SVCS for account # XXXX. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report. I don't know what XXXX company they are collecting for but rather than allowing it to revolve on my credit until XX/XX/XXXX, I am willing to offer a settlement of {$75.00} being that they paid pennies on the dollar for the debt anyway, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted numerous times to dispute this to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be as well whomever the original creditor is that they also acknowledge the debt to be removed and considered paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I had XXXX and XXXX XXXX XXXX as combined services. Back in XX/XX/2020 I disconnected my XXXX XXXX, but kept XXXX XXXX XXXX as my cell phone provider. When I disconnected the service with XXXX they told me I wasn't going to owe anything because I was cancelling at the time of contract renewal. Then 3 months later I received a bill for XXXX from XXXX they told me that a bill with XXXX XXXX XXXX and pay it thru them because it was a joint account so I did. The confirmation number for that payment is XXXX on XX/XX/2020 thru my checking account and that confirmation number was provided by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has no record of the payment and they sent me to Credence Collections. I tried calling Credence several times and they want me to give them my personal information and yet tell me they can't look me up by account number they gave me on the bill they sent me. I believe this is all a scam. I have paid my bill owed and never once received another notice from XXXX, but I continue to get calls from Credence. I tried resolving this last week with XXXX XXXX XXXX who had put me in contact with someone at Credence and they continue to call me and I continue to receive bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
per terms of cash app terms and conditions funds should be able to be transferred to bank account attached to cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX is continuing to report false and old information from Wells Fargo. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 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: AZ

Complaint narrative:
XXXX is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank, collecting for Lowes called at XXXX XXXX XX/XX/20 and had called several times after XXXX ; XXXX. I have paid the debt in full so won't be in contact but would like for you to remind them to do the right thing. 

thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: FL

Complaint narrative:
I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL 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