vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: 360 MORTGAGE GROUP LLC
State: CA

Complaint narrative:
Step 1 : What is this complaint about? 
According to the reports provided to the Credit Bureau by 360 Mortgage Group, it shows eight ( 8 ) months of being late 30+ days and one ( 1 ) month of being late 60+ days. See below for the months/years and attached image ( Credit History - 360 Mortgage ). However, I have bank statements from XXXX XXXX XXXX XXXX ( XXXX ) showing proof of payment, and I've attempted on numerous times to work with the company with no success. I even provided the bank statements ( per their request ) to show proof of payments. For the XX/XX/XXXX late payment report, the house was sold that same month. 

Months/Years - 30+ days late XX/XX/XXXX XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX - proof in bank statements XX/XX/XXXX XX/XX/XXXX - proof in bank statements XXXX proof in bank statements XX/XX/XXXX Months/Years - 60+ days late XX/XX/XXXX - house was sold, see Seller 's Final Settlement Statement Step 2 : What type of problem are you having? 
The company has refused to fix the late payment submittals to the Credit Bureau so my credit can be adjusted. 

Step 3 : What happened? 
Unsure what happen on 360 Mortgage side of the house, but I set my payments up to be automatic issued by XXXX. 

Step 4 : What company is this complaint about? 
360 Mortgage Group Step 5 : Who are the people involved? 

Customer Service and XXXX XXXX. 

Attachments 360 Mortgage Late Payment Issues 360 Mortgage Payments Credit History - 360 Mortgage Sellers Statement_CDF

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Company : American Express Product : Gold Delta SkyMiles Credit Card On XX/XX/XXXX, a " removal of credit balance '' charge for {$81.00} posted to my account. This cleared a credit balance of ( {$81.00} ) on my account. I inquired about this charge a few days later and was told that a check had been sent to me. 

After a few weeks, the check didn't arrive. I figured it may have gone to the wrong address, as I was moving to a new residence around that time, so I contacted the company again. I was told that a new check would be sent to me. I asked the company to confirm the address that the check would be mailed to, and they read my new address back to me. 

After a few more weeks, this check hadn't arrived either. I contacted the company a third time, was told that a third check would be issued, and confirmed the correct mailing address again. 

A few weeks after that ( it's now sometime in XX/XX/XXXX ), I  called back again, as I'd seen no trace of the third check. I was told that I could receive the credit balance refund as a wire transfer to my checking account instead of a check. A wire transfer for {$81.00} appeared in my checking account on XX/XX/XXXX. 

After this, I went back to check my credit card statement and noticed that a charge of {$81.00} was posted to my credit card on XX/XX/XXXX. I now had a debit balance of {$81.00} on my card. I called American Express to inquire about this charge, and was told by the representative that they would submit a claim to the disputes department, and that the claim would be resolved in 7-10 days. 

The claim was subsequently rejected, and the debit balance remained. I called back a couple more times, with the same result ( call in, representative submits a dispute claim, claim gets rejected 7-10 days later ). I've tried to escalate, but the last two times I was told that 1 ) no managers were available at the time I was calling ( when trying to escalate to the 3rd-level representative ), and 2 ) all the supervisors were in a meeting and unavailable to take calls ( when trying to escalate to the 2nd-level representative ). One of the times that I called in, I was told that one of the refund checks had been cashed in XX/XX/XXXX, but I have never received a single refund check, so the only way this could have happened is if I had been a victim of mail theft. 

It's now been four months since the original credit balance removal charge, and I have still not gotten a refund for it. I've lost count of how many times I've contacted the company ( more than 5 ), but I have not been able to resolve this issue with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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:
Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
On XX/XX/2017 I received a letter from IC Systems stating that I owed them XXXX. I sent them a certified letter asking them to validate the debt. I received no information validating the debt they state I owe, They however proceeded to report this debt even though it's under investigation to all three credit agencies which is a direct violation of the of the FDCPA Section 809 ( b )

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 2018-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roycroft Management
State: MO

Complaint narrative:
Myself & my stepsister received a phone call from an XXXX XXXX XXXX. They claim to be looking for me so they can deliver me important papers from XXXX. I called the number back this morning & XXXX XXXX answered as XXXX. I told him that I was calling for XXXX XXXX XXXX & he informed me that XXXX is one of many couriers they use. I finally got him to tell me what the call was regarding & he told me I had an outstanding loan with XXXX XXXX XXXX that was taken out in XX/XX/2016. When I told him that I don't remember having a loan, nor do I have any communication from them, he said that the loan companies always play the victim part, but he still had a job to do & he had to collect a payment. I told him that I would not make any payments until I got verification of the debt. He told me he understood but if I didn't at least make payment arrangements, he'd have to mark me as default & they will have to take the next necessary steps. Although I contacted XXXX/XXXX, I got another call from a XXXX XXXX @ XXXX this evening, as did my step sister ( from my understanding, it is against the law to continue contacting friends & family members if the debtor has been located ), reminding us that they'll be delivering papers to me on Friday between XXXX-XXXX ( not sure if it's XXXX  or XXXX   ). I reached out to XXXX XXXX XXXX to send me verification of the debt in writing & as of this writing, they have refused to do so. XXXX would not provide me with an address, so I could not send any sort of cease & desist letter.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-31 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: MA

Complaint narrative:
Hello and to whom it may concern : I need your help ... Since XX/XX/2017 I been trying to reach all three major credit bureaus and the original creditors and collections companies to ratify and validate several accounts that I surprisedly found with multiple inaccuracies on my credit report. I being given runarounds for like 6-9 months now and haven't received any resolutions based on my investigation. My credit file has several inaccuracies starting with wrong personal information, wrong addresses, wrong account information, wrong DOLA, wrong acct type, etc. I would like these accounts as shown attached to be updated, and by now I WOULD more than likely wants them DELETE from my credit file. Seeking permanent deletion!!! 

XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX  Account # XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX ; =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX. XXXX =>PLEASE INVESTIGATE & UPDATE / DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX  XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX : =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX =>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!! 
XXXX XXXX XXXX XXXX=>PLEASE INVESTIGATE & DELETE!!!! FCRA VIOLATIONS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: AL

Complaint narrative:
I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I went to a XXXX XXXX store to pay my bill that was owed on my canceled service. I forgot to take the companys equipment with me. They told me it would be turned over to collections the next day. I paid the bill but the amount for the equipment stayed on my account. On XX/XX/XXXX I dropped the equipment off and was given a receipt for {$0.00} balance. A week or two later I started to get phone calls from collection agency. I explained to them what had happened. A few weeks later I got a call again and I once again told the man what happened and that I wasnt paying them for something I didnt owe. So here we are and I just want this taken off my credit report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is blocking me from enabling external applications on the Internet. I want to be able to access my financial data, how I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase, our mortgage lender, raised our mortgage payment from {$2500.00} to {$2900.00}. They claimed that we need to pay more property taxes and have an escrow cushion of {$1500.00}. 

Thus, Chase has raised our mortgage payment by about {$500.00} per month. This is too much. My wife is sick and can not pay more. I am a XXXX but don't make a lot of money. 

We believed that a mortgage payment -- a fixed mortgage -- should stay the same. We can pay our original mortgage payment of {$2500.00} without trouble. But now, someone made a mistake by not setting up the escrow accounts correctly -- and now we have to pay, literally and figuratively. 

Someone else needs to pay the difference. We did not make a mistake. And raising our mortgage by {$500.00} a month is an unfair burden on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: OR

Complaint narrative:
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

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 2018-05-31 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: AL

Complaint narrative:
I have submitted online disputes, I have called by phone and disputed as well as mailed in several disputes advising the credit bureau that there are several accounts on my profile that are in reference to identity theft. 

XXXX XXXX XXXX Credit Card is listed on my profile as being opened in XX/XX/XXXX I had a fraud alert placed on my file in XX/XX/XXXX I asked them to provide proof where they investigated this account and provide proof that the creditor spoke with me to open this account and they have not done so but they are reporting this inaccurate and fraudulent account. 

I have a bankruptcy that is showing on my profile as being filed XX/XX/XXXX and being dismissed on XX/XX/XXXX there is no additional information listed on this account being showed. I spoke with the credit bureau and notified them by online, phone and mail and asked them to directly investigate and they did not they advised me that they had a 3rd party do so. They refused to advise me of the 3rd party used and who the 3rd party verified through. I have spoken with the courts clerk and was advised that know one has contacted them to directly investigate this matter. The credit bureau has blatantly fabricated to me about the direct investigation that they say have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: OR

Complaint narrative:
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

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 2018-05-31 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: OR

Complaint narrative:
I sent a certified letter each credit bureau challenging the bankruptcy as incomplete/inaccurate/false information on my credit report. The bureaus didn't complete an investigation or Mark the item as disputed, as required by the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter to XXXX XXXX for a second   time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved ASAP.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
To whom this may concern : What I want to know is how Experian, let all these accounts fraudually pass through there system when I never opened a member ID with them? They used my name for different loans and credit agencies through 3rd parties. On top of that they dont even have my social security number right. The account has my name and my wifes social. I am very disappointed!!!! For years Ive had to pay out of my federal taxes to pay agencies back that I had to fight because I knew it was not my credit. Ive been trying to get a loan for years and never been able to buy a house or a vechicle to provide for my wife and kids. We have XXXX kids that suffered through all these rough times with us. For somebody else to steal our identity, right from under our nose with not even knowing. I finally caught up with my student loans and I couldnt understand why I couldnt approve for any loans until I finally decided to check my credit report to find out that somebody had stolen our identities. Now under the Fair Credit Reporting Act to know the information contained in my credit report. Now we understand ourights under the federal law and as of now we will be seeking legal actions to resolve this unfortunate matter. This is fraud!!!! How could this happen to my wife and I? We have not been able to prosper for our children. My wife is ill and cant even walk and I cant even afford for her to get seen. We have a son in college and a daughter that is a senior this year and she had to work super hard to get scholarships because we cant afford to get loans approved to be able to contribute to our children furthering there education. Now this matter needs immediate action. 

XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX P.S. Lawfully wedded in XXXX XXXX, IA

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