vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have received a letter from Credit Card Chase who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We had a home mortgage with Suntrust that was paid off on XX/XX/XXXX. I was told that the balance of the escrow account ( approx. {$16000.00} ) would be returned to us in 2 weeks. 
I have made multiple phone calls to the mortgage department where I received different stories on almost every call. 
On XX/XX/XXXX I was told the refund check had been cut on XX/XX/XXXX and mailed from Virginia. 
When the check had not arrived on XX/XX/XXXX I called back and was told the check had been cut on XX/XX/XXXX but not mailed until XX/XX/XXXX. I was explained to me that if I did not receive the check in 30 days I could call back to start the process to received a replacement check. 
I called the mortgage department on XX/XX/XXXX and insisted that I be put through to a supervisor. I was passed on to Mortgage Client Services ManageXXXX XXXX ( XXXX ). He informed me that there was no way to speed up the process of obtaining a refund and that he would not and could not be of any assistance. 
On XX/XX/XXXX I eventually found my way to Escalation Resolution Team and explained my situation opening a case ( case number XXXX ). Despite repeated calls to the resolution team ( XXXX XXXX ) I have not received any information about what has gone wrong with this process and when we might receive our money. 
Are you able to assist us in obtaining the refund of our money in a timely fashion

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 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection
State: FL

Complaint narrative:
XXXX FIRST ATTEMPT. 

I RESPONDED TO THE COMPLAINT AND STILL THIS ISSUE HAS NOT BEEN RESOLVED/ TO THIS DAY THERE HAS BEEN NO VALIDTY OF THE DEBT. XXXX XXXX XXXX PREVIOUSLY WORKED UNDER ANOTHER NAME WHICH WAS RECENTLY CHANGED WHEN SPEAKING WITH XXXX  AND XXXX  THIS DEBT BUYING COMPANY WAS NOT ABLE TO PROVIDE A RECENT CONTRACT HOWEVER ACCORDING TO RESPONSE YOU SENT MY CREDIT BUREAU WAS UPDATED THE OLD CONTRACT FROM TIME OF PURCHASE DOES NOT VALIDATE A SERVICE THAT EXPIRED/ I ONCE AGAIN NEVER RENEWED MY CONTRACT THEREFORE THE CONTRACT IS NULL AND VOID. THE ORIGINALLY DOCUMENT SIGNED IS EXPIRED. THIS DEBT WAS ON MY CREDIT REPORT PREVIOUSLY THRU XXXX  THE ORIGINAL CREDITOR AND WAS REMOVED. I SEND ALL THE DOCUMENTS FROM THE XXXX  THAT SHOWS THIS COMPANY 'S NORMAL PRACTICE IS DO THIS TO CONSUMERS. XXXX Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/XXXX This company has reported erroneous information to the credit bureau as well about an account that had already been resolved from XXXX. This has also negatively impacted my credit score. I had not received any invoices or anything regarding debts owed from monitrinics. I asked for Proof if this debt and all I received was a copy of an agreement from XXXX. I do not owe this company anything. 
Complaint Type : Billing/Collection Issues Status : Unresolved XX/XX/XXXX I have never done business with this company and they have placed me for collection with a company called XXXX. I have never had or used anything from a company called XXXX. This business places scam accounts on your file to bully you into paying a balance and never belonged to a person in the first place. They blatantly fail to adhere to the Fair Credit Act and refuse to provide ANY single document that proves their false allegation that a person owes what they allege. This is a scam. All companies are bound by the Fair Credit Act and thi THESE COMPLAINTS GO ON AND ON I'M ASKING TO HAVE THIS COMPANY INVESTIGATED AND ALSO REVIEW THE 202 COMPLAINTS FILED JUST IN THE MONTH OF XXXX. I HAVE CONTINUED TO CONACT XXXX   THRU WRITING WHICH THERE HAS BEEN NOT ONE RESPONSE. I HAVE CONTACTED AT THIS POINT AN ATTORNEY TO ALSO ASSIST ME WITH THIS MATTER.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to Transunion, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

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 2020-06-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, XXXX  and Equifax I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to XXXX, Experian and XXXX  I have fallen on XXXX XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

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 2020-06-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received a letter from Credit Card XXXX who reported due to delinquencies, bankrupcy or late payments the have reduced my line of credit from XXXX to XXXX. I had recently paid the credit card off and started to use this card again and have had no payments over 60 days delinquent.

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 2020-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Company showed up on my credit report without any personal correspondence until afterwards. I have sent 4 letters to the credit bureaus that asked for verification of the debt and haven't received any proof other than the fact that it was " verified '' and will continue to stay on my credit report for the next 5+ years. I wrote a letter to the company asking them to validate the account with a contract between us and they have only sent me statements, the last letter I received after telling them that is not what I asked for was a form to fill out about my identity being stolen, this is definitely not what I asked for. This is the last step I am taking before I have to sue. This is the only debt collector on my credit report and they haven't been able to validate the account with the information I asked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Upon reviewing a copy credit report, I requested Source Receivables Management remove the negative entry on my credit reports for their account in the amount of {$900.00}. They did not return correspondence showing my signature entering into an account with Source Receivables Manangement. 

According to XXXX, they do not have an outstanding account in my name or under my social security number. 

I challenge the accuracy, compliance and report-ability of this listing. Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature with Source Receivable Management ( SRM ). In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file under a SRM Account and my Social Security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
For over 10 years I have been trying to get my daughter 's student loan payments to an amount I can afford. The amount I can afford is {$300.00} to {$400.00} per month. Each year I call Navient the representative tells me the amount I want to pay is fine, but I will still be considered delinquent if I don't pay the entire amount due. Finally in XXXX  one representative told me if I consolidate the loans I can get it to {$300.00} or {$400.00} per month. Well when I got the approved amount it came to around {$1600.00} per month. That was crazy, I contacted Navient immediately and told them I am unable to pay this amount. The representative said we can defer your payment for a year and maybe then you can pay it. I told them no I will not be able to pay it. I had to send a letter to the CEO of Navient and I got another representative to contact me. She indicated she would investigate this matter. Well she came back with there is nothing I can do to change the amount you need to pay, but I can defer you payment for a year. This is ridiculous how Navient representatives trick their customers into consolidating the loans when they are being told I can't pay the amount you are requesting in the first place. Then the new consolidated loan amount is 100 % higher than the individual loan amounts. This has been a burden on me for many years and I am tired of it. I need someone to contact Navient regarding tricking customer into consolidating loans and then not helping them to make the reasonable payment the customer can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XXXX  of 2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector

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 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector

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 2020-06-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Had car for one month, was totaled out with insurance company. 
Should not be paying all the interest on the car when they were paid what the car was worth, for only a 30 day period. 
Asked the credit bureaus to remove, Chrysler Capital did not respond to my inquiries for at least a year, when they did respond they send me a COPY of our agreement that was no where close to what they were actually still charging me for the car loan. Car was paid off through insurance. Then Chrysler Capital went as far as to put a fraud alert on my account and send me a form to fill out for identity theft because I kept asking for the original copy of our contract. Not ethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My student ( Loan ID XXXX ) serviced by XXXX XXXX and held by XXXX XXXX XXXX XXXX continues to show on my TransUnion credit report as open with an account balance of {$9400.00}. The account was paid in full on XX/XX/2019.

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 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''

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 2020-06-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since 2016 and I am refusing to wait it out until it just " falls off ''

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 2020-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
Yes I contacted on financial about getting car deferred payments. The did grant me  deferred payments. The only problem is. There charging me late penalty fees. I'm going thru hardship due too corona virus. And I'm hoping too get all late fees or penalties waived. I'm also on XXXX too. I don't wana have too file chapter XXXX bankruptcy. So hopefully I can work with them. I'm XXXX years old going thru hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion always reports incorrect information. They need to be closed down. 
High descrepency between XXXX  and XXXX and Trans Union. Trans Union seems corrupt. We need to get rid of these practices in the USA

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 2020-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I applied for refinancing with Caliber Home Loans. The Loan was conditionally approved on XX/XX/XXXX. After submitting all the necessary documents they requested to underwriting we were approved and signed the refinancing agreement on XX/XX/XXXX. The new rate would lock us in at a saving of about {$400.00} a month. It is now XX/XX/XXXX and the loan has still not been closed. They have continued to give me excuse after excuse because of a subordinating home equity line. It was told to me that all the escrow need for my taxes would be included in the loan and we would be getting our current escrow amount back, but then as of recently they said i owe XXXX. I'm assuming someone didn't do their paperwork correctly and due to the lengthy closing process my taxes were paid out and left me with a deficit. The resolution i'm looking for is this get closed in the next 6 days. If it's not closed by XX/XX/XXXX, I'm requesting no payment for the month of XXXX or XXXX. The first payment will be XXXX XXXX. I want an explanation to why i was told i would have XXXX coming back to me from escrow and now i'm XXXX in the red. I want some sort of compensation for the {$800.00} i lost over the last two months for the difference in my mortgage that should have been closed. If this is not resolved by XX/XX/XXXX. I will have no choice, but to turn this over to my Attorney as i'm tired of dealing with it. The people i have dealt with from Caliber are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation