vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT violated federal law by not notifying me within ( 5 ) days before they REQUESTED a DELETED account to be REINSERTED back onto my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day timeframe is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CREDENCE RESOURCE MANAGEMENT fail to meet the legal requirements by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TX

Complaint narrative:
cra inaccurate information ftc violation pr report sent

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 2018-04-03 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: TX

Complaint narrative:
cra inaccurate information ftc violation pr report sent

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 2018-04-03 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: CT

Complaint narrative:
I have a complaint against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. I am a victim of Identity Theft and I have a Fraud Affidavit on file with the FTC. I sent in my Fraud Affidavit to Equifax on XX/XX/XXXX. I sent the same Fraud Affidavit to XXXX and XXXX at the same time and they have removed all of the Fraudulent accounts from my credit report but Equifax refuses to do the same. I have done everything they asked me to do. Equifax HAS removed three fraudulent accounts on my credit report, but they continue report the remaining fraudulent accounts on my credit report. Please Help!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03 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 — Card was charged for something you did not purchase with the card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
-On XX/XX/XXXX I went to a Restaurant, XXXX XXXX XXXX XXXX ( XXXX XXXX ) and had dinner with friends. I payed the check including tip for a total of ; {$100.00}. Days later reviewing my account statement I noticed a charge not authorized, from the same restaurant of {$87.00}. 

-On XX/XX/XXXX I submited a claim by email and fax with Banco Popular de Puerto Rico XXXXegarding the unauthorized charge to my credit card. 

-I called 3 times during the last weeks of XX/XX/XXXX since I never received a confirmation of the claim submition. No information was provided to me and the agent asked me to call again in a few days. 

-The first week of XX/XX/XXXX I called and talked to a service representative and told me that the claim was in process and FINALLY gave me a claim number. They asked me to allow 90 days to complete the claim. 

-On XX/XX/XXXX I called and talked to XXXX XXXX and referred me to the Fraud Department. My called was trasfered to XXXX XXXX. i explained the situation and told me that she was not able to help since the person in charge, or any supervisor whatsoever, was not available at athat time. She took my phone number and agreed to call back with informationi.  Never called back. 

-On XX/XX/XXXX I called again to the Fraud Department and talked to XXXX XXXX . She agreed to check the information with the assigned investigator ( XXXX ) and call me back the next day morning. Never called back. ' -On XX/XX/XXXX I called again to the Fraud Department and talked with a service representative. After asking more than 3 times I was finally transfered to the investigator assigned to the case ; XXXX. He informed that had no idea why the claim took so long but it was being resolved during our call, and I should receive a credit to my account during the next 24-48 hours. Two weeks passed by and no credit was reflected on my account. 

-on XX/XX/XXXX I called again to the Fraud Dept. and talked to XXXX XXXX who said no supervisors where available to assist my call/situation. She asked me to call the next day during XXXX and XXXX to talk with the supervisor ( XXXX XXXX ) -On XX/XX/XXXX I called again and asked for XXXX XXXX . XXXX XXXX, who answered my call, told me he was on in a meeting and not available to assist me. After insisting for more than 5 minutes to talk to a supervisor, I was transfered to XXXX XXXX. He told me the claim was completed and I should be a credit on my account in the next 24-48 hours. Same thing that I was told on XX/XX/XXXX. 

After more than 140 days I am still waiting for the resolution of my claim and the respective credit. Hours of my time spent for an authorized charged of XXXX dollars and XXXX cents.

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 2018-04-03 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: CA

Complaint narrative:
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX   report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX   and Equifax ; thus harming my FICO score and my individual credit rating at XXXX and Equifax at 60 days since I paid off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my Experian report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to Experian and XXXX ; thus harming my FICO score and my individual credit rating at Experian and XXXX at 60 days since I paid off the balance.

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 2018-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I entered a signed agreement with XXXX XXXX XXXX ( XXXX. ) to represent me in a loan modification program to avoid foreclosure. In this agreement I had to make ( 4 ) four scheduled payments of {$970.00}. Three of four were paid via e-checks. The fourth payment was stopped due to the fact I received my notice of foreclosure from XXXX County PA.Sheriffs Department on XX/XX/XXXX. On this same day I agreed to enter a signed petition under the XXXX County Residential Foreclosure Diversion Program. I have already attended one Conciliation/Case Management Conference with legal counsel XXXX XXXX. The conference was scheduled for XX/XX/XXXX. At this time the plaintiff XXXX XXXX XXXX XXXX had counsel present who requested my proof of income and banking statements for three months. The next conference is scheduled for XX/XX/XXXX Based upon the aforementioned facts XXXX has failed to provide any services to avoid foreclosure. After they discovered the final payment was stopped because I was served with a foreclosure notice. XXXX immediately claimed they got me approved for a temporary trial loan modification of {$1100.00} for ( 3 ) months and no guarantee for a permanent modification or an amount. At this point my attorney agrees that XXXX. is just providing false hope of staying in my home while paying a collection agency known as Caliber. The courts have never been notified of any loan modification temporary or otherwise. Therefore, it is my contention that XXXX. has not provided the necessary services to avoid a foreclosure or Restructure my Mortgage '' as they claimed would be the case in Pennsylvania. Furthermore, they provided documents proving that they are merely assisting the Caliber collection agency to gather three payments of {$1100.00} starting XX/XX/XXXX. Caliber also states that foreclosure would be suspended however XXXX County Court has no knowledge of any legal agreement therefore my home continues to be in a foreclosure status and currently involved in the XXXX County Residential Foreclosure Diversion Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
This letter is to formally put XXXX on notice. 

I have as of today XX/XX/2018 at XXXX, Paid off in full my student loan in the amount of {$29000.00}. 

You are owed not XXXX XXXX more. Any interest acrrued from XXXX will be credited back to me. 

You pieces of XXXX you in ( ) 's I believe charged me an Additional {$38.00} in interest on the {$5200.00}. XXXX I just paid. 

I get that back, as you assured The Consumer Financial Proctection Bureau that no additional interest had been accrued and you tacked that amount on my total Payoff you piece of XXXX. 

If you don't think I know you are wrong when the payment went from $ XXXX.and some change, to {$29000.00} to {$29000.00} in a matter of seconds. You charged me additional interest on top of interest. 

I do get that money back you XXXX.. 

Also, for the next 30 days until I have that written confirmation in my hand your XXXX is mine. I will ride you till this is done and you will not charge me XXXX XXXX more!!!!!! 

I expect this to go smoothly and if it doesn't expect me to have you in court so fast ... Even if it's over XXXX cents!!!! 

I hate you with such a passion it will be my pleasure to watch you squirm.. 


I expect my payment to be processed in full by tomorrow. 

I will be monitoring my account everyday and I expect a XXXX amount shown.. 


If you charge me even XXXX XXXX you can go XXXX yourselves.. 


The government has been paid in full and you are to get the XXXX out of my life!!!! 


My final words to you!!!! 


Go XXXX yourself XXXX I mean XXXX ... 

Free at last!!! I am free at last!!!! Thank Gd almighty I am free at last!!!! 


XXXX YOU in the biggest term of the sense!!!!! 


XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you XXXX you!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB, Inc.
State: CA

Complaint narrative:
I was billed for XXXX from XXXX. The bill was late and sent to a collection agency. I made arrangements with USCB agency and successfully completed payments. The arrangement was made that if payments were made timely no collection acct would be put on my credit report. This was done over a year and half ago and was all successfully paid and completed then out of nowhere USCB places a collection on my account last month and shows it still owing. I contacted USCB and they said to contact XXXX. I contacted XXXX and they said to contact USCB. Neither party is helping but both parties acknowledge acct is satisfied and there is no amount owing. Please help me in getting the attention of USCB to remove this from credit and to not be erroneously placing collections on my credit report. How can I pay it almost two years ago be fully satisfied as agreed upon and then they out-of-nowhere put an erroneous collection on my credit? please help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
Mr. Cooper is playing with my account again! I have had this problem with them every since their previous name was NationStar Mortgage. I never had this issue in 15 years before they took over my mortgage! My increased expenses paid out of escrow is only {$83.00} per year and Mr. Cooper is increasing my payments for escrow by {$1000.00} per year. 

Currently escrow has {$1000.00} in the escrow account but we will have 5 more escrow payments of {$220.00} ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- summing up the total of current escrow payments ) totaling {$1100.00} giving us a total in escrow of {$2100.00} at the time insurance a 1/2 year taxes are due. 
{$2200.00} will be due for taxes and insurance in XX/XX/XXXX and XX/XX/XXXX so we will have a shortfall of {$39.00}. 

The next payment due will be in XX/XX/XXXX for another half year of property taxes which will be {$900.00} but with no change to our current escrow amount due monthly we will have {$1300.00} at that time, a positive amount of {$460.00}. 

Mr. Cooper is attempting to increase my escrow amount by {$90.00} which is way too much. At this rate they would be charging {$3800.00} for escrow when taxes AND insurance only total {$3100.00}. 
* There was no increase for insurance ** Property tax only increase {$83.00} PER YEAR! 

This is a constant game they have been playing with me so rather than spending hours on the phone again I am going straight to you because they don't listen to me when I deal directly with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Although I never missed a loan payment and was making timely payments under a qualifying repayment plan, XXXX XXXX/Navient failed to inform me that my payments did not qualify as part of my 120 qualifying payments towards the Public Service Loan Forgiveness ( PSLF ) program. I had to move my student loans and consolidate them under XXXX XXXX. XXXX XXXX/Navient continued to mislead me by failing to inform me that the 120 qualifying payments would start again at zero ( 0 ). I had made close to 60 qualifying payments, which effectively " disappeared '' and now I am back at square one. My date of eligibility for loan forgiveness increased by a 5-year period plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inaccurate employer keeps reappearing on my credit report ( 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 non-monetary relief
Consumer complaint received 2018-04-03 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: The Outsource Group, Inc
State: SC

Complaint narrative:
I have applied for 2 Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX  and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.

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 2018-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Risecredit, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX has called me in attempt to collect a debt for Rise Credit. Rise has not contacted me at all regarding debt. I just started receiving phone calls from XXXX XXXX XXXX on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. XXXX XXXX XXXX are illegally trying to collect funds from me because they are not licensed in Missouri to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was recently sold to a new mortgage company. We were notified by the seller within 15 days of the transaction, but heard nothing from our new loan company until XX/XX/XXXX, 19 days after our first mortgage payment to the new company ( Freedom Mortgage ) was due! Remarkably, this first communication was to inform us that we were late on our account! Because of this delay in being billed we actually assumed the first bill was going to be for XX/XX/XXXX, only later to learn that it was actually for a back payment. But because we had the legal 60 day grace period in which they could not charge us a late fee, we were not too concerned. We had trouble logging on early in XX/XX/XXXX when we went to pay it, and did not finally get the payment made until XX/XX/XXXX, paying for the months of XX/XX/XXXXand XX/XX/XXXX, but still within the 60 days.

On XX/XX/XXXX, my wife was stopped by someone from another realty company who handed her a letter, would not say whom it was from, and proceeded to take pictures of my wife and our home. After opening the letter from this strange man, we saw that he was acting at the behest of Freedom Mortgage informing us that our payment was late, despite the fact that our check cleared the day before the man showed up to our home. My wife called Freedom Mortgage to make sure this was legitimate, and she was told that we would be assessed a fee for the home visit. I knew from our legal rights this was not proper, and called today to make sure the fee was removed. I was informed that this was not technically a late fee, so they could charge it. But that's clearly what it is -- we were charged a fee because we were late ( which we were not, as we were within the 60 day grace period ).

I filed a complaint with Freedom, and they told me they would open a case, but refused to remove the charge right away. It is only {$15.00}, but this is a matter of principal to me, because if they will do this to me, they will do it to anyone. I can tell already that I will not have a positive experience with this company. Consumers should have the right to protect their loans from being sold to companies like Freedom Mortgage that do not abide by the law. I need to know the next steps to ensure that I am not falsely charged this {$15.00}, and what rights to compensation I have for all the time and energy I'm having to waste to stop Freedom from violating the law.

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