vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 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: Reliant Financial Corporation
State: CA

Complaint narrative:
RELIANT FINANCIAL ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: NC

Complaint narrative:
Please note I have sent 3 different dispute letters to Equifax dated XX/XX/2019, XX/XX/2019 and XX/XX/2019. There are currently 5 medical accounts which were showing on all three credit bureaus. Each was sent the same letters on XX/XX/2019. As of XXXX both XXXX and XXXX has since deleted the accounts due to the fact they were not able to VALIDATE or Verify the accounts in question. All except for Equifax who keep sending responses saying it is verified. I have also sent documentation showing that neither the collection agencies nor the Credit Bureaus were able to validate and the accounts should be deleted. 

The FCRA states that the credit Bureaus verify their information before putting information on my file. Not just send a request or response from XXXX. How are they determining this person is me? According to FCRA there should be proof of my signed document as the proof that this is me. I did not receive a notification that the investigation was completed. I just happened to call in. I just spoke to a supervisor named XXXX who have informed me that I can not even request the documents that are in my file at Equifax. She then told me that it is the collection agency that has to do the validation which according to FCRA laws are incorrect. 

I demand from Equifax to see the verification that was used that these accounts are mine since other collection agencies were NOT able to verify. I am very concerned that on top of the breech that Equifax had that they are NOT following the laws of the FCRA. I demand that Equifax remove these collections until they can send FULL Verification of this Medical Debt that could not be verified but they are still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2011, after numerous attempts, rejections and after reaching out to them numerous times ( XXXX XXXX ex XXXX ) I finally threatening to take the matter to court and was able to secure a MHA Loan Modification ( acct # XXXX ). At the time, I was in a negative amortization loan with Chase that was going to recalculate, the housing bubble popped and Chase had taken away my line of credit, so I was in fear of losing my home. The person who helped me with this loan ( a real estate broker ) assured me that there would be no deferred interest. It was unclear to me at the time that there would be a balloon payment ( deferred principal balance ) and interest thereon at 2 %. The " New Principal Balance '' and " Deferred Principal Balance '' were absolutely confusing and unfair. 
My business has fallen off greatly ( especially after the Thomas Fire ). I am XXXX years old and unable to work as I have done previously. So once again, I am in fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover credit card company. I had a payment program with the company in order to reduce the credit balance and interest for about a year and some months now and I was told I can not make use of the card for the period of the payment program. This program started XXXX last year. After three months they stop the program without my notice and when I complained, they said It was a mistake and apologized, but the interest remained the same. And this has being going on for long time now. Why I am reporting them now is because the they deleted my automatic payment method because I complained about charging unnecessary amount before the due date. Now they made me missed a payment because my automatic payment was deleted and I was not aware about it and there was no message to indicate about their decision. I called to find out but they refused to speak but instead keep ending my calls. This morning I received a statement of my account with the amount times two of what I suppose to pay. I believe I have pay almost have of the credit balance but because of their fraudulent act. The money still remain High. Please I need this organization to look into this because they have scammed me a lot and they say I can do what ever I like. Maybe because they feel I am a nobody. The attached documents disclose the automatic payments I setup in my account but they deleted it because they want me to miss a payment so they could charge me more interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
I've recently disputed late payments that was inaccurately reported by J.D. Byrider that caused my credit score to plummet. The XXXX XXXX XXXX XXXX XXXX not XXXX XXXX which is one of the deceptions, was reported stolen and never recovered XX/XX/2019.I 've never missed a payment and was never late, however XXXX  allowed JD Byrider to report inaccurately without conducting a thorough investigation to which once discovered JD Byrider should've been blocked from reporting inaccurate information.Instead XXXX  allowed re-insertion of an incorrect charge-off which is false, this is willful non-compliance which is a direct violation, the account should show paid as agreed.JD Byrider illegally marked up the value of the vehicle, without my knowing, triple the amount of the vehicles value.I was cohersed to believe the vehicle would be covered through their insurance, which was incorporated in with the monthly payment as also any repairs through them, which was all a gimmick.The vehicles transmission went out 120 days after the purchase which I had to have towed from XXXX to XXXX Tx . The vehicle was not repaired correctly which led to another break down in XXXX Tx which led to vehicle being reported stolen. This company was sued by Attorney General XXXX XXXX of Massachusetts for the same predatory practices that they're doing in Texas and won a XXXX dollar settlement.The value of the vehicle was deemed {$6100.00} which I thought the purchase price was {$13000.00} which was deceptively placed at $ XXXX.This company has caused substantial and long term damage to me as a consumer with no compassion or relief as to what I am experiencing, a total rip-off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
On XX/XX/XXXX, A medical debt of {$54.00} was transferred from one of my doctors to Credit Collections USA. This debt was due to an indecision by The Department of Veterans Affairs XXXX VA XXXX and Social Security Disability ( SSD ) as to who was the responsible party for the bill. I was finally notified of the debt by Credit Collections USA ( C.C.USA ) in XX/XX/XXXX. After speaking with a representative at C.C.USA, I agreed to pay the debt ( which was later reimbursed by the VA XXXX and did so on XX/XX/XXXX. When I paid the debt, I was guaranteed that the debt would be removed from my credit report. XX/XX/XXXX I contacted C.C.USA with the concerns that this item had not been removed from my credit report. After several conversations with employees and supervisors, I was told that the representative that gave me the guarantee had not been authorized to do so and they would not be removing the debt from my credit report. Two years of negative credit posted by this company from the time it was submitted to the time I was made aware of a debt that I ( XXXX XXXX XXXX XXXX XXXX  ) was not responsible for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Greetings CFPB, I am contacting the Bureau in regards to a Reverse Mortgage on my mothers house I inherited in 2016, when I obtained financing my financial officer made me aware of a monthly charge on the Champion Mortgage statements called a Service Fee Set Aside, after he submitted several inquiries regarding this charge with no response from Champion Mortgage before closing, he advised it appears this amount was never exhausted and the balance was not deducted from the final pay off amount and felt they owed me the un-used balance. 
I would like to also advise Champion Mortgage from day one of advising Champion Mortgage of my Mothers death Champion Mortgage demanded the debt to be paid immediately or to surrender the property, I found very little information regarding dealing with this issue or my rights with a Reverse Mortgage Company, I did find that congress had passed a bill that the Reverse Mortgage Companies must give one year to settle an estate before taking action, upon advising Champion Mortgage of this information they advised me they would give me four extensions each three months in duration. 
As you can see in the Notice of default letters they sent me, they offer several options but never inform me of my right to one year to settle the estate before I have to choose one of their options. 
Can you please help me find out if Service Fee Set Aside is a legitimate fee and if they owe me a refund for the un-used amount. 

Kindest Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY XXXX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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:
XXXX XXXX ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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:
XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS  SUFFERING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I opened a jc penny credit card hoping to improve my credit score now due to reporting issues about my payments being timely its bad ... I have proof of my last payment to them via a letter and there automated system rejected my information I called them and verified my routing # and it was correct my bank also had the funds for this XXXX $ $ Payment!!!! I did not expect this at all. 
I am trying to improve not make it bad Please help!!! 

Thank you XXXX XXXX ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Assigned Credit Solutions
State: VA

Complaint narrative:
I keep on receiving a call from XXXX XXXX, number XXXX. 

He is calling in regards to a debt owed by me to XXXX. Last year he somehow obtained my wifes parents numbers and my family numbers. I never shared them with XXXX or anyone else. He claims to have did some digging into my personal information which makes me super uncomfortable. 

I had talked with him and gave him My debt management companys phone number since I enrolled this card with them. I told him to stop contacting my family and just talk with them. In the past two months he has been contacting my family trying to make them make me call him.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Home loan paid off We paid our loan off in XX/XX/2019. 
Bank of America confirmed that the loan was paid in full. 
We sent instructions to Bank of America in writing to stop auto payments. 

Bank of America continues to withdraw payments, sending us a letter that the withdrawals are in error and then to refund the payments. 

I talked to Bank of America staff in XX/XX/2019 to request again that withdrawals stop. 

Bank of American continues the errors : XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error XX/XX/XXXX refund of {$3500.00} for XX/XX/XXXX withdrawal made in error Today I called again to request that Bank of America stop the withdrawals ; so far, no staff can assist me. 
I have called XXXX ( customer service ) ; XXXX ( mortgage ) ; XXXX ( online banking ) Please send me confirmation in writing that addresses the errors and confirms that no more withdrawals will be made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: MA

Complaint narrative:
I am writing to dispute XXXX  XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being 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 2019-09-11 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:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: NC

Complaint narrative:
Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being 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 2019-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpont sent agents to my home. The disclosed to my neighbor that i had not paid the mortgage in over a month. Continue to visit in person a few times a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
My listed address are wrong, XXXX XXXX XXXX is a single family, Experian has that correct but next to Is XXXX XXXX no such apt number, XXXX XXXX XXXX XXXX Maryland never lived in XXXX Maryland had a XXXX XXXX at one time but the XXXX XXXX was in XXXX ma XXXX XXXX ny never lived there either. XXXX XXXX XXXX XXXX ma XXXX XX/XX/1997 till present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11 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: LA

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion disclosure report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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