vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our loan was bought from one bank to another. The amount on mortgage balance does not match up with the amortization schedule. We should owe around XXXX and they are saying XXXX. 

They also told us that a loan modification was mandatory because they require to have a escrow account. They told us that nothing would change not the rate not the term and not the amount. 

We have made every payment. They are saying we have never made a payment to this new loan mod which is correct but we still pay to the original loan. 

I only have 10yrs on my original loan but this modification added 30 yrs with a total of 40 yrs until loan matures I also had damage in the hurricane Irma. I have lost my roofer because they would not release any funds to pay roofer. The roof project has to start over because of materials in the sun for 2years that are not supposed to be exposed. 


The only way I found out about this is they filed a foreclosure suit. I also have a Leon from the roofer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I havent got any notice of ways to pay for the debt in the last couple months. I had medical issues and just got notification of lawsuit out of no where

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Havent received anything about this debt for months. I had medical issues out of no where. The lawsuit came out of no where. I am in a good spot to pay off the debt with a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

XXXX  account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-27 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM FINANCIAL is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. GM FINANCIAL is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from GM FINANCIAL or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: MO

Complaint narrative:
XXXX  has the same entry listed twice for a debt in 2015 with XXXX XXXX XXXX XXXX, I have tried several times to get the duplicate removed, and also for them to supply the correct dates on this account. For some reason the date is never correct and the account is showing up twice on my report. 

Transunion account has also been changed to the current date. I have been trying to get these companies to supply the correct information since XXXX of last year and who ever is supplying the information continues to change it to fraudulent status 's and doubling the entries. This is harassment. 

As you can see from the attached letter the company XXXX XXXX XXXX XXXX never supplied this information to either company. 

Either remove the entries or get the dates correct this is harassment.

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 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: MD

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/19. They said that Bureaus Investment Group Portfolio NO 15 LLC has purchased an account ending in XXXX from XXXX XXXX XXXX   and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX  XXXX or Bureaus Investment Group Portfolio NO 15 LLC. I responded to XXXX XXXX XXXX XXXX XXXX with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NC

Complaint narrative:
XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXXXXXX XXXX or applied for any LOANS, CREDIT, AMOUNTS for XXXX from 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 2020-01-27 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: NC

Complaint narrative:
XXXX XXXX is reporting a balance on an unverified and fully paid lease account of {$8100.00}. this balance reporting is wrong I paid this lease 100 % in full, never late. The account is showing incorrect and is fraudulent!!!!. XXXX XXXX is damaging my credit and reputation unjustly and WITHOUT Legal reporting/Dispute process. They have not ALLOWED ME TO review the proposed amount and dispute per FCCA the amount they are claiming i owe. This is a Violation of the FCRA and my person rights!!! 

I hereby demand this account be removed from my credit file, or positive proof of this amount be provided, as I NEVER took out/requested ANY credit from XXXX XXXX  or applied for any LOANS, CREDIT, AMOUNTS for XXXX from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have been requesting validation and verification from Lexis Nexis in regards to Bankruptcy # XXXX that is being reported to all three major credit bureaus such as XXXX XXXX XXXX  as well as other agencies. I have been trying to obtain this information from Lexis Nexis for several years now and they keep coming back telling me the information has been verified but they are refusing to inform me of the sources they used to verify such information. On XX/XX/XXXX, I requested that Lexis Nexis send me copies of the documents that they have on file that was used to verify the accuracy of said bankruptcy # XXXX. They responded by sending me a copy of " lexis Nexis credit report '' saying verified. I spoke with someone in XXXX of XXXX and I was advised that the bankruptcy was verified through the bankruptcy court. On XX/XX/XXXX, I reached out to the XXXX  system to find out their procedures of validating bankruptcies to credit bureaus and was advised they don't do that. On XX/XX/XXXX, I received a letter from the US bankruptcy court stating they do not report any information to the credit reporting agencies. On XX/XX/XXXX, I reached out to Lexis Nexis yet again in writing concerned about the validity and accuracy of their reporting such information on my credit report. Lexis Nexis responds in writing telling me they submitted my dispute to the XXXX credit bureaus. That is not what I requested from them. Lexis Nexis is in violation of section 609 and 611 due  to not conducting a proper investigation and not correcting inaccurate information. On XX/XX/XXXX I called Lexis Nexis to check on the status of my request and I was told my request was submitted incorrectly and I would be hearing back from them soon. Later that day, XXXX to be exact, Supervisor XXXX Id # XXXX called me and told me that this bankruptcy was verified by the court. She could not provide me any other information. I explained to her that this company is violating the law and because of this they have no right to report such information on me. I also advised if they couldn't provide me with the requested information then they need to remove this reporting within XXXX hours. XXXX was supposed to follow up with me on XX/XX/XXXX, and I have not heard back from her. Lexis Nexis has proven their inability to furnish legal verification but yet still continues to tarnish my character. I demand that they removed this negatived listing from ALL CREDIT REPORTING AGENCIES IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: PNC Bank N.A.
State: NJ

Complaint narrative:
This complaint is related to XXXX already existing complaints with the CFPB, XXXX and XXXX. Please see attached letter for the detailed complaint. 

In summary, I have been subjected to privacy violations, likely Fair Credit Billing Act violations, and in general an inequitable and opaque dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BBVA FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ending balance on XX/XX/XXXX XXXX close of statement ) : {$6600.00} ( Due : XX/XX/XXXX ) XXXX Activity : Purchase : {$1900.00} Total Balance : $ XXXX+ {$1900.00} = {$8500.00} Payments : XXXX ( all posted by XX/XX/XXXX ) ( remember due date XX/XX/XXXX ) Ending balance XX/XX/XXXX : {$0.00} Interest charged on XX/XX/XXXX : {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 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: NJ

Complaint narrative:
Dear cfpb I have XXXX closed mortgages that are not mines XXXX  XXXX XXXXand XXXX XXXX XXXX XXXXr XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: NJ

Complaint narrative:
hello XXXX XXXXl has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.

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 2020-01-27 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: NJ

Complaint narrative:
hello XXXXXXXX XXXX has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.

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 2020-01-27 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: NJ

Complaint narrative:
hello XXXX XXXX  has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Complaint re : CashNetUSA We attempted to pay off this debt IN FULL several times during XXXX and early XXXX ( this was a requirement of a XXXX lender so it was imperative to do so ). During telephone and written emails we were repeated refused our request for a mailing address and always received the same answer. The company refused our payment by mail and will only take a payment via our checking account. We repeated asked the lender for the mailing address to mail the XXXX lenders check or our check of payment in full. I even tried to pay the debt while we were out of the country via e-mail and after two emails was AGAIN informed they would not provide a mailing address for payments. Based on CashNetUSAs refusal to provide mailing address HELO lender decided to put through our home equity/improvement loan without paying them. CashNetUSA refused to accept our payment, in full, of this loan beginning in XXXX and XXXX of XXXX by refusing to provide us a mailing address to mail payment in full. They can confirm this by checking their own email records which are kept by them. We have now received information that this account has been sent to a debt collector. That is unfair. We attempted to pay this debt, in full, on many occasions and were refused by CashNetUSA. We wanted a cancelled check as a firm receipt that this debt was paid. We should not owe any additional interest, or perhaps even the entire amount loaned because they refused payment in full on more than one occasion. Again, they were told we wanted to pay the amount in full and needed a mailing address to do so. They refused to provide a mailing address on several occasions and said they would not accept our payment that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
In XXXX of XXXX, our loan was transferred to Penny Mac from XXXXXXXX XXXX XXXX  ( I loved XXXX and I miss them greatly ). Prior to transferring to Penny Mac we were on a bimonthly payment schedule. We were told we would be able to continue that with Penny Mac ( that was a lie ). When we switched over to Penny Mac one of our payments was credited as a principal reduction and not a payment so from XX/XX/XXXX through XX/XX/XXXX, we were in an argument with Penny Mac where we had to go back and forth to the point where I had to print out our entire bank account for 2 years to show them all of the payments. They finally credited the payments correctly. We were told we could do bimonthly payments, nope we could not because they said we missed it by not signing up on the XXXX of XXXX and the same in XXXX. So for XXXX and XXXX we sent them payments every 2 weeks. In XX/XX/XXXX particularly we sent 3 payments except one payment they credited to a principal reduction although we indicated it was a half payment. From XX/XX/XXXX until XX/XX/XXXX, we have tried to get Penny Mac to redistribute that money correctly. We stopped sending payments every 2 weeks, we now send 1 payment a month but during the time PennyMac was working to recredit our account, they sent us to collections, charged us late fees, and knocked our credit scores down by 100 POINTS! We were never late. They got both their XXXX and XXXX payments before the XXXX of the month! Here we are with {$110.00} in late fees ( which I'm not paying because it's their fault ) and my credit score sucks. I hate this mortgage company, I want to go back to XXXX and they won't let me. They keep saying I need to refinance but I never asked to be with Penny Mac. I hope everyone stays far away from their XXXX  company. And to find out one of their employees told me their system stopped crediting accounts properly when they got a new accounting system that they created on their own but didn't know their own blind spots and since going live they have been back dated with thousands of accounts!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
Recently Yamaha Financial XXXX  bought customers boat loans serviced by XXXX XXXX. The transition couldn't be handled worse. First, letters with wrong account numbers were sent. Online login was not working. The customer helpline had a wait time of between 1-2 hours eventually the number was disconnected. New statements were sent stating double monthly payments ( the last payment made to XXXX XXXX  is not included ), increased interest and a threat of late fees. Until this post the online account is still not working, online payment can not be made even though 2 hours were wasted on the phone to correct it with a service representative. The only payment options available to pay the wrong and excessive charges are by mail or the phone with the long wait time. 

Monthly payment increased from {$450.00} to {$510.00}. XXXX payment of {$450.00} made to XXXX XXXX  before a notice was received is disregarded. The statement indicates a 2.99 % interest however the interest charged is 5.99 %.

Company response to consumer: Closed with explanation