vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
With all 3 credit bureaus I have tried to dispute matter that is one debt reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX collections and another XXXX XXXX all are reporting this debt on credit report.

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 2020-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
With all 3 credit bureaus I have tried to dispute matter that is one debt  reported by numerous collectors for different amounts ranging from XXXX to almost XXXX they took well over 30 days when I first requested information regarding debt and never sent information. XXXX  is listed as original creditor and XXXX  also XXXX XXXX XXXX and another XXXX XXXX all are reporting this debt on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LAND HOME FINANCIAL SERVICES
State: WA

Complaint narrative:
Paid Off Mortgage loan number XXXX last month in FULL. Somone in the credit reporting department thinks it would be funny to report this account DISCHARGED in chapter XXXX bankruptcy on XXXX and cut out my payment history up to XX/XX/2019. I have attached credit report and proof from XXXX whoever did update on this account FAILED at there job and needs to be retrained. This inaccurate reporting will cause me trouble trying to get another mortgage and has lowered my credit score in which can affect interest rates. I will have to resort to legal action with my local consumer protection law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a XXXX limit on my credit card, for which i never missed or was late on payments. I base my spending on these limits as do most normal people. As soon as I made a large payment of XXXX, they cut my credit limit and will not let me use that amount. They stole it from me. I never would have made a payment that big if I knew that they would cut my credit limit. This affects not just spending, it affects my credit scores dramatically. it's not right. they blame it on XXXX  which is not true. It's because I made a large payment and they saw an opportunity to screw me. All I want is them to honor the credit limit I had before they did this to me. It's outright theft of my credit. They cut my limit by XXXX the days after this payment was made. it's got to be illegal I want to sue 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 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I filed a complaint against XXXX XXXX case number XXXX based on an error that XXXX made on my escrow account and request that I make up the error payment over 12 months. The result ended with XXXX agreeing to spread out on 60 months. 

XX/XX/XXXX, XXXX sold my mortgage account to NewRez Mortgage. NewRez continued to charge the amount of {$2000.00} until they increased my payment in XX/XX/XXXX and XX/XX/XXXX, {$2400.00} that included the escrow amount that was not spread out. There are 2 years remaining of the 60 months from XXXX. 

I am asking NewRez to spread out the escrow amount the was in error, the remaining 2 years so that I can afford to pay monthly. Below is a summary of failed attempts to resolve my issue of overcharged monthly amount, in order to afford payments. They do not want to refund the overpayment in XXXX or XXXX and charge the correct amount for XX/XX/XXXX. 

I have called NewRez Mortgage company to follow up on my original complaint of overcharging my account XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On Saturday XX/XX/XXXX, at XXXX am ( after 42 minutes ) I spoke with XXXX XXXX in collections, who stated that NewRez company is not going to credit my account from XXXX and XXXX the amount you overcharged. She stated your escrow department will only begin to charge the correct amount starting XX/XX/XXXX. To summarize the issue : On XX/XX/XXXX, I emailed New Rez company the documents that support my escrow account to be spread over 60 months since XXXX. I was told from XXXX on XX/XX/XXXX, that the correct amount should be {$2000.00} and would be corrected once I send the letter from the Consumer Financial Protection Bureau. Then on XX/XX/XXXX, NewRez refunded my account the XXXX payment that was auto draft of {$2400.00} as oppose to the amount requested of overpayment of {$380.00} for XXXX and XXXX months totaling {$760.00}. On XX/XX/XXXX I followed up with a call to state I was refunded the total XXXX payment and was told the reason NewRez refunded the one month payment was that they were investigating and refunded my account while this was occurring. Thus, after not hearing from NewRez, I followed up again XX/XX/XXXX and spoke to XXXX XXXX. 

My payment for the month of XXXX is now showing non payment of the incorrect amount and shows LATE. Due to the lack of cooperation with NewRez, I am  submitting a formal complaint to Consumer Financial Protection Bureau to request consumer right by spreading my account over the 60 months that started in XXXX per XXXX XXXX account. I should not have to bear the burden with the two Mortgage company transactions that took place with NewRez purchasing mortgage accounts from XXXX XXXX. 

Can you please help to resolve this issue. 

Thank You, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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:
I paid off my child support balance on XX/XX/2019 but Equifax has refused to update the balance to reflect the correct balance. 

I filed a credit dispute using my most recent credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased furniture from a local XXXX on credit on XX/XX/2019. XXXX uses Synchrony Bank for financing these types of purchases. I have never received a billing statement fro Synchrony Bank despite several requests. As such, I dont even know my account number.

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 2020-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kevin B. Wilson Law Offices
State: GA

Complaint narrative:
I just received a second letter ( XX/XX/2020 ) on a debt we have set up on a payment plan. ( XXXX Hospital ) We are in good standing with the debater. They are receiving and posting our payments to the account, but yet XXXX XXXX XXXX continues to try and collect on this same account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Bank- {$5500.00} XX/XX/XXXX updated my credit reports to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

XXXX- {$450.00} XX/XX/XXXX, XXXX regularly updates my credit report to reflect inaccurate dates and inaccurate name on my account. Account was opened in XXXX. 

Both companies refuse to acknowledge my XXXX XXXX military status and apply my benefit of the Servicemembers Civil Relief AcXXXX. Both companies refuse to correct my legal name. 

The customer service representatives of both companies were rude, disrespectful, and unprofessional. Military personnel beware for both companies are not military friendly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On the day of XX/XX/2020 i sent an amount of {$300.00} dollars to XXXX XXXX he took the money then sent over the goods. but 2 days later he took it back so i can't access it. He Scammed me.Now i lost my money and the digital goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LTD Financial Services, L.P.
State: CA

Complaint narrative:
Since XXXX of 2019 I have been trying to request the information regarding debt that is appearing from several companies collector 's ... All stating that XXXX/XXXX  is the original debt and amount was XXXX I do have XXXX by XXXX  but my account is current and both mine and my wifes phone are paid in full so I requested info from original creditor no response then no response from other companies besides it reappeared on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Re ocwen loan XXXX I made my payments with Ocwen. Payments were missapplied. I called several times and was told there was no error. I finally reached a supervisor that said the matter was corrected. My bill was not correct for over four years. It was not corrected and an amount was demanded I did not owe and my house was placed in foreclosure. I tried several times but to no avail. I asked for a correct amount to pay and the amounts of money asked for the representatives could'nt justify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AL

Complaint narrative:
I currently hold a mortgage with Rushmore Loan Management. This mortgage was originated with XXXX XXXX. I claimed homestead exemption at my local courthouse and sent the document to XXXX XXXX. Just after, XXXX XXXX  sold our mortgage to Rushmore Loan Management. The tax documentation has been sent to both  companies. I have screenshots of my messages attempting to get the status on this tax exemption as it affects our payment. It has now been 6 months of trying and they will not respond. This amounts to {$100.00} extra I have had to pay on my monthly payment because the taxes have not been adjusted. Since the loan origination, it has been one year and 5 months which makes for a total overpayment of {$1500.00} that I have paid MORE than I should because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: OH

Complaint narrative:
Financial institution XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX. They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and nasty they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future///// last message New message : This company has incorrect information on my credit that is majorly effecting my credit. The facts regarding the repossessed vehicle is completely wrong. I had XXXX-XXXX in fees from the repo and when I went to go pay the money to get my vehicle out and pay the fees ( in order to get vehicle out fees have to be paid ) and then they throw all that money towards my balance of my vehicle and they tack on the extra fees on my account for when I go to make a payment over XXXX they take the remaining and put it towards the fines that were already paid. They are saying my account is 90 days late with the credit Bureaus and it is majorly affecting my credit. The Repossession facts are wrong. My vehicle was not repod the dates they are saying. My vehicle was only 30 days passed so before they sent someone in the bright early in the morning to tow my vehicle away even when I had the money on site to Give. I would like this company to update all the correct information with the 3 credit Bureaus or remove anything negative off my report. I will be filing with all bureaus.

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 2020-01-18 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: CO

Complaint narrative:
My Perkins loan from XXXX University  was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received a credit monitoring alert that my Perkins loan was 30 days past due, delinquent, and being reported to a collections agency. Obviously, this made no sense, as the loan was paid in full, and I had received documentation from XXXX University, and their servicer XXXX XXXX XXXX ( XXXX ), that the loan was paid in full. I immediately contacted XXXX, and as far as they could see, everything on their end looked fine ; they told me that they had reported the loan paid in full to credit agencies in XX/XX/XXXX. An investigation on their end by an account specialist revealed the same conclusion. I contacted XXXX University 's student loan office about this, and was met with immediate hostility. I was told it would not be discussed with me over the phone, they would investigate on their own, and to send them an email with screen shots. I never heard back, and called daily to check in. Each call was again met with hostility and responses of " I don't know '' or " We have to wait for XXXX to call us back '' - there was no urgency in correcting this matter. After a week and a half I finally got a manager on the phone, who looked at my account with me and could not explain what had happened. She literally said " I can't give you a reason why this happened, because I have no idea, I've never seen anything like this before. '' She told me she'd send me a letter on XXXX University  student loan office letterhead attesting that this was an error, and would attest to this when my dispute with TransUnion reached XXXX. I had to call back several times and wait a few more days to finally receive said letter. I finally received the letter on XX/XX/XXXX. No one from XXXX University has an explanation for me about how or why this happened ; certainly no one had any urgency in helping me correct the hit to my credit report that resulted in my score going down 56 points. I have filed a dispute with TransUnion, and am now filing this, to cover all of my bases.

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 2020-01-18 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: GA

Complaint narrative:
During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this present day ; I have submitted several dispute letters in regards to UNVERIFIABLE public records reporting on my credit report. However, three of the items listed as public records on my credit report, were previously disputed via CFPB in XXXX of XXXX. Those items were UNVERIFIABLE due to myself being a Identity Theft victim. Those items are currently reappearing on my credit is an violation of the FCRA 611 15 U.S.C. 1681 ; and can face a penalty of {$1000.00} in civil court. 

I am a victim of identity theft. The information listed on the attached Report, which appears on my credit report, is the result of identity theft. 

I have enclosed my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act and notify all furnishers of this information. I appreciate your prompt attention to this matter and await your reply.

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 2020-01-18 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: IL

Complaint narrative:
XXXX is continually reporting derogatory items even after police report was sent over showing these items were due to 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 2020-01-18 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: IL

Complaint narrative:
CRA is continually reporting derogatory items even after police report was sent over showing these items were due to Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-18 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF 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 explanation
Consumer complaint received 2020-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RGS Financial, Inc.
State: NV

Complaint narrative:
This is the second time XXXX has sent this collection account to my credit report. It was just previously removed. This is NOT my account! I currently have XXXX! I've said this a million times now. Nothing exist proving this is my account or that I opened this account, which his why it was deleted the first time. I pay my bills, and never had a collection. Please fix this immediately or I will sue! I thought I left this nonsense in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF 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 explanation
Consumer complaint received 2020-01-18 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: NY

Complaint narrative:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief