vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-23 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: FL

Complaint narrative:
Supplied Experian, and XXXX credit bureaus with the Faxed, PAID IN FULL letter from XXXX XXXX XXXX, I also spoke with reps from XXXX XXXX   many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.

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 2018-07-23 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: National Credit Adjusters, LLC
State: MO

Complaint narrative:
This debt was settled through XXXX XXXX in a repayment program through XXXX XXXX. I have a letter outlining the payment arrangements which I met fully. The settlement letter states my account would be paid 'in full ' once those obligations were met. There are two separate accounts with this debt buyer that are settled through the program with XXXX XXXX. National Credit Adjusters is reporting balances on both accounts even though the accounts are settled and paid. One attempt was made to have National Credit Adjusters update the collection information/balance through a dispute with all three credit reporting agencies. National Credit Adjusters response was the balance is reported correctly. This is not true  because the debt is settled in full. The original creditor on the first account is XXXX XXXX XXXX. The balance reported to XXXX XXXX was {$6000.00}. Payments started on XX/XX/XXXX with the final payment on XX/XX/XXXX. The payments totaled {$2100.00}. National Credit Adjusters is reporting a balance of {$3900.00} and this is not the agreement. The original creditor for the second account was XXXX XXXX. The balance reported to XXXX XXXX was {$5100.00}. Payments started on XX/XX/XXXX and the final payment was on XX/XX/XXXX. National Credit Adjusters is reporting a balance of XXXX and this is not the agreement. Recently submitted another dispute with all credit reporting agencies ; however, feel my efforts will be exhausted. This incorrect reporting raises my debit owed by nearly {$710000.00}. This request is to have National Credit Adjusters report my account paid 'in full ' to XXXX , XXXX , and XXXX . Better yet, the debt should be removed from my credit report. I can prove that I was victimized by predatory lending. My credit is derogatory because the Payday Loan industry nearly bankrupted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Two fraudulent transactions in the amounts of XXXX and XXXX on XX/XX/31 from XXXX were reported as such, fraud, to American Express on or around same date of XX/XX/31. To date, both transactions remain unresolved, no credit issued. I have not been provided any information showing I authorized either transaction, I have not received anything from the person, XXXX. XXXX requests the full card number in order to investigate the charges, I only have last four ending in XXXX. American Express needs to either credit back the transactions or provide full card number, which was replaced since with a new card number. I need full card number in order for XXXX to investigate on their end, they can not do anything with only last four of card number. Failing to provide full card number, they need to simply credit back both charges as they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: POPULAR BANK
State: NY

Complaint narrative:
XX/XX/XXXX ; XXXX XXXX purchased a XXXX family house located at XXXX XXXX XXXX XXXX XXXX NY XXXX. With a XX/XX/XXXX loan for the amount of {$640000.00} finance by XXXX XXXX ; property was own by XXXX XXXX who transfer lien to XXXX XXXX XXXX XXXX for the amount of {$500000.00} on XXXX XXXX, XXXX XXXX sold property to XXXX XXXX. United State Government create rules and regulation to evaluate the code of conduct, this ones are RESPA, TILA, ECOA, those one include several provision that protect the integrity of appraisal process. TILA also prevent the creation of toxic loan for an over price property with high interest. like this loan, XXXX ( 80/20 loan ). 
Flip on a house price by FBI ; buy a property wit the intent to re sell it an artificially inflated price for consider profit, even though they only made minor improvement to it. paying an appraisal a fee to submitted a false and artificially- inflated appraisal report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
In XX/XX/XXXX Roundpoint lending raised my mortgage by {$200.00}, without notice. Upon contacting them they said my local taxes had increased. After contacting my county treasurer I realized they had made an error in the calculation. After notifying Roundpoint it took 4 months for my payment to be lowered back to what it should have been. 

At the end of XX/XX/XXXX ( I was out of town and didn't receive the letter until early XXXX ) I received a letter from my insurance company stating that my insurance had been canceled because of non-payment. I contact Roundpoint and they said I didn't have an escrow account. I have spent 4+ hours on the phone with them, but they still won't reinstate my escrow account with taxes and insurance and can't explain what happened. 

When I call the call is dropped or I'm put on hold for hours. Also all the direct lines I have been given no long work.

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 2018-07-23 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: GA

Complaint narrative:
I mailed a Multiple inquiry Removal Letter on XX/XX/2018 by certified mail in order to dispute information, in regards to 6 hard inquiries, that was being reported on my credit report. They received the letter XX/XX/2018 and they completed the request on XX/XX/2018. The request that I submitted included 6 hard inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate  and respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
My husband and I pay bi-monthly payments on our home mortgage. Our loan was transferred to US bank sometime last year. US banks has been applying our payments to the principal amount on the loan and sending us states saying they we are delinquent and charges fees. I called US bank in XXXX and the representative tracked all the payments coming in and saw that we were paying bi-monthly and paying before the due dates ( which should give us a credit ). The representative reversed all fees and sent us a current statement. She did acknowledge that their system was not able to distinguish a partial payment vs. a full so it defaults all payments to the principal balance. I asked if we were in danger of loosing mortgage because we wanted to continue paying bi-monthly as it works best with our family 's budget. She said it should not be a problem and that she would note the account so we would not have the issue going forward. We did have this issue again and I called in to have them make the correction and I was given feedback that their system does not recognize partial payments. I don't understand this because their system still accepts all payments. She said that was their policy but I have NO documentation supporting this ( see statement ) I told them of what happened in the past and reminded them of what the past representative had informed me. I spoke with 3 different people and they all wanted to inform me about policy instead of actually making the correction. I informed one rep point blank that " I the consumer was showing and error in US Banks processing of our payments ''. We had payed half of our XXXX payment on XXXX and they are saying we have not paid XXXX at all. I asked them to make the correction and I was just given a lecture about how to pay my own payment. The feedback that I was getting from US Bank was that they were going to keep charging late fees and keep reporting erroneously to the credit bureaus even though they know that we almost a whole month ahead on our mortgage payments. Please see supporting documents. What ever you can do to help would be appreciated.

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 2018-07-23 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: GA

Complaint narrative:
I reached out to TransUnion by Certified Mail Ltr # XXXX that they received on XX/XX/2018. 

Enclosed in this letter was a request to verify the bankruptcy being reported on the credit file associated with my Social Security number. 

I also provide a letter from the United States Bankruptcy Court from the XXXX XXXX of Georgia. This letter indicates that bankruptcy court does not report to the credit reporting agencies. 

TransUnion has failed to state or prove how they received this information, which was in the request that they provide proof of. They just updated the " court type '' on the report versus removing it. If I understand the FCRA, it states in affect that if the bureau can not provide verification of the disputed item they must delete it. 

Also, it is not indicate in the response from TransUnion of this dispute if and why the PACER system would have been used to access information on me that the courts themselves have indicated they do not report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: AR

Complaint narrative:
The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called Transunion they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.

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 2018-07-23 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 — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America continues to take people 's money by letting it go into limbo between the customer and the banking systems. This is a common issue is what I was told by the customer service rep on XX/XX/2018. This isn't right. This bank is stealing money. I'm just one person but I hope this comment can start some type of investigation into this. This bank isn't being fair to the public. Yes, my issue was resolved but I had to spend days and hours doing investigation work myself with watching transactions and taking screen shots to get my issue resolved. This isn't right. No one should have to go through this.

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 2018-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have attempted to payoff my mortgage with Shellpoint Mortgage Servicing. On XX/XX/XXXX. My bank, XXXX XXXX, will not send an epayment of over {$50000.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent five payments totaling {$240000.00} which was the payoff amount as of XX/XX/XXXX. 

On XX/XX/XXXX, I reviewed my loan on XXXX 's website, and determined that payments were not properly applied. I called XXXX 's customer service, and that the customer service representative told me that the issue should be resolved by XX/XX/XXXX. In addition, I had also sent an email to XXXX through their website. 

Per review of XXXX 's website on XX/XX/XXXX, XXXX only applied {$140000.00} to my mortgage and that I had a balance remaining of {$95000.00}. I called customer service again, and they said they had no records of the payments, and I asked that I send bank statements supporting the payments. I faxed over XXXX XXXX bank activity, and confirmation from XXXX XXXX that the 5 payments of {$240000.00} had been sent. XXXX 's representative told me that the issue should be resolved quickly. 

I reviewed my loan on XXXX 's website on XX/XX/XXXX, and the issue still had not been resolved. I again called customer service, and they again said they had no record of the payments. I elevated the issue to the supervisor and was directed to a voicemail. I left a voicemail, and have not been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23 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: COMPUTER SCIENCES CORPORATION
State: IL

Complaint narrative:
We paid off 2 car loans with XXXX XXXX located in Texas. One was paid off in XXXX and the other in XXXX. We did not receive our released car title in either case. When I called them I was told that the titles had been mailed out however I have yet to receive either one. They refused to obtain a copy of the vehicle title or to reimburse me the 2 x {$95.00} fee 's that I will now incur due to their negligence with my titles. I had no problems receiving the monthly loan payment notice so I find it hard to believe that both titles ( mailed at separate times ) could not reach my home address. I do not believe that these titles were ever sent to me. CSC bought my loan from XXXX XXXX and I strongly feel that these titles may have just been lost in the purchase of our loan. Either way, I can not understand how this should be my responsibility to pay for a missing title, especially two times in a one month period. I want CSC to send me {$190.00} to cover the cost of the title replacement. 
XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
They opened the loan in a different market, I'm in California and they opened the account in New York. I can't go inside a bank and make payments. I can't not link my accounts to monitor payments because it's in a different state. The phone customer service payment department isn't open on the weekends to take payments. My first payment was late because I had to wait until Monday to make the payment which was a date late. The phone reps did not provide confirmations numbers for payments. I've made two phone payments, none provided confirmation numbers. They are able to access the account anonymously without leaving an electronic trail. There is no name of the rep who opened my account. They refused to provide names when asked. I have no received statements.

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 2018-07-23 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: FL

Complaint narrative:
Supplied XXXX, and Equifax credit bureaus with the Faxed, PAID IN FULL letter from XXXX   XXXX XXXX, I also spoke with reps from XXXX XXXX many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: MI

Complaint narrative:
I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} 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 2018-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I have disputed this account with XX/XX/2018, XX/XX/2018, XX/XX/2018, requesting they provide some type of application, or signed security agreement showing that this medical bill belongs to me. They continue to provide the contact for the hospital, in which the hospital billing department was not helpful. I have sent written letters to the collection company and called the hospital contact that was provided. The amount of the alleged debt is {$830.00} ; also in which I have not been to NO HOSPITAL or received any MEDICAL CARE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23 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: AR

Complaint narrative:
The issue that I'm having with the credit companies is that the Bankruptcies which are dismissed on there, they are not willing to removed them. I have worked with XXXX XXXX in which they have sent them several letter pertaining to the issue and they still are not willing to removed them off of my credit report. After I talked to the Bankruptcy court they stated that they never provided them with any information about the Bankruptcy in which when I called XXXX  they told me that the court provided them information about my bankruptcy. I just want them taking off since I never when through with the Bankruptcy I just only filed them and that's it nothing else was done. There was not payment made or anything. It states a XXXX balance and dismissed.

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 2018-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal frozen my account and wont let me withdraw my funds, i submited a payment for a service and they didnt send the money, instead of that they hold the money and block my account permanently, i cant acces my money, and is more than a thousand dollars

Company response to consumer: Closed with non-monetary relief