vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I understand the XX/XX/XXXX payment for XXXX was returned, because it was not a payment, On XX/XX/XXXX i talked to a rep at CHASE bank he keep asking do you want me to run this payment i said no, this payment is posted for next month not today he could not get it in his head so i talked to case manager her name is Miss XXXX and she said it was canceled but it wasn't. but i did make a payment in XX/XX/XXXX. so the payment for XX/XX/XXXX that was removed should have never been removed because i made a payment in XX/XX/XXXX if i could download my payment history i show it was made. At one point XXXX XXXX said i owed for XX/XX/2018 after several bank statements i think she got it. Every payment was made but XX/XX/XXXX and XX/XX/XXXX, each payment falls behind one so i was behind XX/XX/XXXX and XX/XX/2018 yes they was a return of XXXX in XX/XX/2018. i understand that, this is my payment break down and i can furnish more documents and bank statements and CHASE can go to phone conversation onXX/XX/XXXX and see i canceled that payment for the following month because the rep could not get it right. in XX/XX/2018 i made two payments XXXX and XXXX that went to XX/XX/XXXX  payment, then XX/XX/XXXX payment got returned to me because of change in banking information. then i made a payment in XX/XX/XXXX that went XX/XX/XXXX then i made payment in XX/XX/XXXX that went to XX/XX/XXXX, then i made a two payments in XX/XX/XXXXl that went to XX/XX/XXXX and XX/XX/XXXX, then in XX/XX/XXXX i made payment that went to XX/XX/XXXX with money in suspense to cover parcel payment in XX/XX/XXXX i talked to rep on XX/XX/XXXX at CHASE bank he said i owed as to date XXXX but i had some more in suspense that has not been added. i don't see the problem, the problem i can see the payment being removed from XX/XX/2018 over a mistake a rep from Chase made not me, but a payment was made in XX/XX/XXXX and should be replaced for XX/XX/XXXX,, Chase can talk to Miss XXXX case worker and listen to phone recording and the one in XX/XX/XXXX i don't understand the reason this is not being correctly made to my account, the month i owe for is parcel payment is XX/XX/XXXX i like FHA to look my account over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I have requested the details for the mortgage amount we owe. Bayview Financial sent me a computer generated mortgage payoff letter. Bayview did not provide the detail I requested but sent me a canned letter which is inaccurate. Bayview did not provide the detail for the ( Escrow / Impound Account. ) There is no way of knowing what makes up this amount. In addition Bayview does not provide the detail for the ( Escrow Shortage Account ) in the payoff letter. The only amounts in escrow for our mortgage should be my property insurance and property taxes. Bayview will not provide any detail so I can not determine if their amounts and calculation for these accounts are accurate. 

Bayview has not verified these amounts and the amount of payoff in their letter is incorrect. After reviewing my property tax records the records show that Bayview has made a serious error and double paid the property taxes which has contributed to the incorrect amounts in the ( Escrow / Impound and Escrow Shortage Accounts ). Bayview has raised my monthly payment substantially with no explanation based on this false and incorrect information resulting from their mistake. It is likely this was also the case with XXXX XXXX which preceded Bayview as the loan servicer of our mortgage.. 

I feel strongly that Bayview is ignoring us and treating us unfairly because we are seniors and a minority.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed Individual Account Revolving Account CHARGE ACCOUNT Balance : {$170.00} Company named above claims I have a unpaid balance charge off. 

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$170.00} dollars in XX/XX/XXXX. 
This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 

It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hard inquiry from SYNCB National Credit Cards/Airlines dated XX/XX/2018 on my credit and I never applied for this card. 

Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony. So Im constantly getting the run around. Please remove this hard inquiry off my credit report with 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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System called me regarding my XXXX account which was passed due.During the conversation they told me that XXXX was offering an end of the month settlement in the amount of $ XXXX.I was told that it would only be offered until the end of the month.I happened to receive a check that week so I called to make the payment which was a check by phone.I was told I was paid in full.This happened on XXXX XXXXOn XX/XX/XXXX I went to a XXXX retail store located in XXXX and the Sales Representative told me my account was still showing unpaid.He gave me a number to call.They were closed because it was XXXX XXXX weekend.I called both XXXX and IC Systems on Tuesday XX/XX/XXXX in the morning to clear things up.IC Systems once again confirmed I was paid in full.The person I spoke with told me he would send a confirmation email.When I called XXXX they transferred me to the Recovery Department.I spoke to a girl named XXXX.She said that she would go in the computer and put a note on my account that I was paid in full.That was all she could do.I returned to the XXXX store and met with XXXX who told me my phone still indicated unpaid.He called XXXX and explained the situation and eventually got transferred to the Recovery Department.He gave the phone to me because the woman wanted to speak to me.She was very abrasive and told me that I needed to pay the balance that I still owed or my phone would remain locked.I could not believe that they did not tell me this earlier when I called.Instead XXXX chose to humiliate me at the retail store. 
IC Systems does work hand in hand with XXXX and they even tell you thank you for being a valued XXXX customer when they take your payment.The entire situation was falsely presented and very misleading because they should not tell you that you will be paid in full if you are not and XXXX offered this end of the month special to me.I did not ask for 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 2019-05-30 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX, my account with Synchrony bank/ Walmart was closed for default. According to my credit reports my balance shows {$620.00} with a past due balance of {$260.00}. 
On XXXX XX/XX/XXXX I contacted Synchrony bank/ Walmart at XXXX to inquire about which collection agency my account was sold to since my credit reports states that the account is a charge-off. When I called I spoke with XXXX, who stated that Synchrony bank/ Walmart had forgiven my debt and that they had issued me a XXXX which he stated had been mailed to me. I explained that I hadnt received a XXXX and requested that he mail a new one out at which time I provided an updated mailing address. 
I then proceeded to ask if I could pay them what was owed or make a settlement to have the account paid off as all three credit reports are showing a balance and asked if once paid could my credit reports be updated ; XXXX proceeded to tell me that since they werent reporting on the account anymore they wouldnt accept a settlement or full payment for the debt. This didnt sound right to me so I called again on XXXX XXXX and this time spoke with XXXX who informed me that I could send any amount that I would like and could mail the payment to the address that she provided in the form of a certified check, but it wouldnt go towards my debt and nothing on my credit reports would be updated because they are no longer reporting on the debt. I also asked XXXX to resend me the XXXX during the phone call. 
On XXXX XX/XX/XXXX I called back because I hadnt received the XXXX in the mail, this time I spoke with XXXX who transferred me to XXXX, I again asked XXXX if I could make a settlement or pay off the balance and was told that nothing I sent would be applied to my debt and they would also not update any information on my credit report. I informed XXXX that I was waiting for a XXXX to be sent to me and he told me while laughing that it takes 30 days to receive the XXXX in the mail. 
Today is XXXX XX/XX/XXXX and I still havent received the XXXX that was supposedly sent to me by XXXX and XXXX. All three employees of Synchrony bank/ Walmart refused to take a payment to settle the debt that according to my credit report is owed to them.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had my identity stolen in 2017, filed a police report sent all necessary documents to all 3 Credit Bureaus, however all the accounts were investigated and removed, however 1 account appeared on my Transunion as a collection agency, Ive made several attempts to get removed, Ive even spoken with a very nasty and rude representative for Transunion who was worthless. As a consumer my rights and privacy are being compromised by Transunion which is unlawful. They cant keep an account on my credit report that was a result of identity theft.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. 

I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process. 

Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. 

After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. 

These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My identity was compromised while serving oversee. The perpetrator tried to open up the following accounts in my name. I demand that the following inquiries be removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. 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 2019-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. 
I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above  company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so.

7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX XXXX. I got foreclosed on and I went into bankruptcy. XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX. Well everything was put into our bankruptcy, we did chapter 13. So we fulfilled the bankruptcy and everything was taken off our credit report. XXXX XXXX XXXX was completely taken off of XXXX  XXXX and XXXX. But it was still showing up on equifax, so I filed a dispute with them and the next month they took it off my report. It was showing 3 yrs late payments, which that was the 3 yrs we were in bankruptcy. But the following month it was put back on my credit report and dropped my score 50pts. I then called equifax  back and asked them what happened. They couldnt tell me what happened and told me to contact XXXX XXXX XXXX. So I called XXXX XXXX XXXX and explained to them and she contacted equifax  and sent in all the info and explained to them that nothing should be showing up on the report. The next month it was taken off. Then more score went back up 50pts. The following month it was put back on the report and dropped it 50pts again. I then called equifax and once again they couldnt answer my questions as to why it was still showing up. I called XXXX XXXX XXXX back and she explained to me the problem is with equifax and not them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On or about XXXX XXXX I set up auto pay for my Bank Of America credit card. All payments were made and came out on time until I got a call in XXXX saying that I was 30 days late for a payment. I questioned why the payment was not automatically taken out since the funds were in my account. I was told that I was set up on " scheduled payments '' and not autopay. I immediately paid the entire amount due followed by setting up true autopay. After about another week I paid the balance in full. 
Bank of America reported this to the credit bureau which I was not aware of until much later. 
On or about XX/XX/XXXX I disputed this through XXXX XXXX and also with BOA to rectify the situation as it was not my fault this payment was late. Had the bank taken the payment or notified me sooner that they did not take the payment automatically I would have corrected this issue immediately. 
It is also my understanding that due to the XXXX  ( XXXX   XXXX XXXX XXXX ) that if I am on XXXX XXXX orders then they can not default or negatively report to any agency. I am a Missouri XXXX XXXX member and I am on active XXXX orders ( which can be provided ). I was on these orders at the time of this incident, and I remain on these orders still.

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 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information 08 CAPITAL ONE BANK USA N A XXXXXXXXXXXXXX 08 CAPITAL ONE BANK USA N A XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation