vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I have applied for a loan modification and I was told during the loan modification process not to submit payments until approved. I have also been told this should not affect my credit report. I have been notified my credit report shows no payment when I have been told to save the payments until the loan modification have been approved. I believe my mortgage company should not report delinquency during a loan modification process. Please assist by having the report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay has for a 4th time now not been able to manage this account correctly. Im not going to get into the details of the other 3 XXXX ups. But this time they doubled the debt on my account from {$13000.00} to {$28000.00}. They also tacked on another {$300.00} interest fee which is not allowed again as this is a 0 % card and Ive been promised repeatedly that this repeated disregard of the contract on adding fees would end

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I checked my credit report score to find that I had a medical bill from a collections company, Credit Systems International, ( XXXX XXXX, Texas ) that had placed a debt owed of {$150.00} on my credit report XX/XX/XXXX I contacted Credit Systems International and spoke with XXXX XXXX who reassured me I owed the debt, yet I explained repeatedly that I had never received an invoice by mail or email. I asked him for an itemized summary, which he stated he was unable to provide, but kept encouraging me to pay the invoice to remove it from my credit report. He also encouraged me NOT to call XXXX directly for the itemization. 

XXXX XXXX I contacted XXXX and spoke to XXXX, who stated the invoice was for date of service XX/XX/XXXX and that invoices had been sent to an address in XXXX, which I responded stated I had not lived at that address in several years. After he reviewed the account notes further he determined the doctor 's office had initially sent the incorrect address, but then sent my current address, but XXXX never sent a new bill to the correct address. He apologized for the mix up stating he was pulling my account from Credit Systems Int'l and would have the collections agency " Delete '' the debt owed on my credit report. When I asked how long this would take, he replied about 30 days. XXXX sent me an itemized medical summary which I paid immediately online and have a {$0.00} balance. 

However, it has been a challenge since as of today the collection still shows on my credit. Each time I contact XXXX, they state they can only send an email to the Credit Systems Int'l and each time I contact Credit Systems they state the debt should have been deleted and will send another notice to the credit reporting entities which include XXXX and XXXX. I have an active credit monitoring account and the balance owed and the debt still shows on my credit report as XX/XX/XXXX XXXX XXXX. CDT. The last person I spoke to twice at Credit Systems was a supervisor, XXXX XXXX, who keeps reassuring me it will be taken care of - but my trust and confidence in this process is LOST. This error on the businesses part, not mine, has impacted my long standing very good credit score and no one seems to care. PLEASE HELP!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX and XXXX has been paid off for car loan. it has been settled and is on my credit report causing low coring.

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 2019-10-14 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: PA

Complaint narrative:
I am a victim of Identity Theft deemed so by the FTC, did all that was required as listed on the FTC 's website ini the Recovery Steps - to no avail!? 
Equifax will not allow me access to my account?! 
I requested a copy of my credit report twice and did not get it? This entire ordeal is horrifying! 
Kindly REMOVE THE NEGATIVE on my report as is required by law within days of information received by CRA but it was't removed!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
I have a collection on my credit from XXXX for about {$230.00}, but there was already a payment made to them and settled the price for over {$500.00} that I've already paid. I havent had XXXX in years and already made my payment to them to zero out the balance of what was owed and I absolutely refuse to pay anything else do to the fact and this already being established and now a new charge appears out of no where after I've already paid everything I owe to them after not having service with them in 2 years or longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage and XXXX  XXXX XXXX continue to push the envelope attempting to defraud the consumer. 
Shellpoint Mortgage continues to state XXXX XXXXXXXX XXXX assessed the disputed charges of {$2500.00} in XX/XX/XXXX. I have attached copies of our account history and the transactions posted history neither of which supports Shellpoint Mortgages claim. Shellpoint Mortgage assessed those charges to our account subsequent to XX/XX/XXXX which is the date they purchased and transferred our mortgage. 
Weve been told this is a Forbearance Fee, recording fees, filing fees, late fees and inspection fees, etc.. This is just another indication they are attempting to defraud us. 
Shellpoint Mortgage continues to tell us this is a non-interest bearing fee and has no impact on our account. However on XX/XX/XXXX they sent us a NOTICE OF DAFAULT AND INTENT TO ACCELERATE. On XXXX XXXX our XXXX payment and the disputed amount of {$2500.00} was outstanding. Weve been told these fees are not considered past due and will not trigger a default. 
We should not have to hire an attorney at our expense to defend ourselves against blatant attempts to defraud us and take our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
My brother has a loan through Freedom Mortgage on a VA type loan- he has recently passed away and when I took over as executor of his estate, and tried to work with Freedom Mortgage to resolve his loan, and be able to receive mailings and correspondence, I was ignored, and no mailing ever went to me, or phone calls to me regarding his loan with Freedom Mortgage. When I found out about the home being foreclosed on, and was never once mailed a letter or had a phone call, I was in total shock. I called Freedom Mortgage immediately, and was told they sent his mail to a PO Box that he was using prior to his death. When I asked why NONE of his mail was being sent to me as requested, I was told, the address they sent it to was the one on file. Despite my requests to have all mail and correspondence sent to me. 
The hose is now in process of being sold, as we have lost hope in keeping the property. Now the mortgage company will not give the title company a payout amount to resolve the title. The mortgage company has done everything they can to foreclose on this home, and has made no effort, or action to work with me in any manner to resolve the loan, or allow the title company to resolve the payout amount. 
The mortgage company has- Death Certificate of my brother, my ID, court documents with me as executor, and the my address to where to send mailing, and still never once contacted me regarding his account. Who were they working with on this foreclosure?

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
Received a letter from XXXX XXXX XXXX ( DNF Assoicates LLC ) date XX/XX/2019. I responded with a debt validation letter on XX/XX/2019 ( certified delivery via usps tracking # XXXX ). I asked them to validate and to also cease communication except via mail. Someone called my cell phone today from their company stating they sent me a letter in the mail ; I haven't received anything. I will be filing suit for FDCPA 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 explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: KS

Complaint narrative:
Received collections letter from MEDICAL REVENUE SVC regarding alleged debt, asked for verification / substantion of debt, no verification of debt provided.

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 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In reviewing our account information forwarded to XXXX XXXX XXXX, we have discovered numerous discrepancies. In the period between XX/XX/XXXX the date the BOA Claim was filed and XX/XX/XXXX there were 25 MISC POSTINGS made to our account 12 of which were made prior to updating the new mortgage information. 

1. Our HARP Mortgage new principal balance is {$790.00} greater than the BOA Claim. 
2. The Trustee dispersed a total of {$5900.00} to BOA that doesnt appear to be posted to our account. 
3. We made three ( 3 ) payments of {$860.00} XXXX {$2500.00} XXXX which were not applied to our account. 

The undocumented MISC POSTINGS combined with the other discrepancies noted above have resulted in all subsequent interest and principal calculations as well as our escrow account balances being incorrect,. 

Therefore we are respectfully requesting a thorough audit of all the MISC POSTINGS applied to our account between XX/XX/XXXX and XX/XX/XXXX. All postings should be clearly described, identifying the individual amount associated with each description. In addition the three discrepancies noted above must verified and shown they were applied to our account. In the event the audits findings do not agree with the following balances in the system as of XX/XX/XXXX, we will require a month to month posting and calculation of all subsequent payments through the date the mortgage was sold. 

XX/XX/XXXX Principal Balance {$190000.00} XX/XX/XXXX Escrow Balance $ 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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted XXXX XXXX apartments. Who had issued a fraudulent debt in my name. I informed them that I have no knowledge of this debt that I had never lived in one of their apartments or any apartment in my life. And that this debt is fraudulent. They state it has my name my signature so it is a valid debt. And the only way to take care of it is if I pay a debt that I am not responsible for. Next I contacted Experian Credit Bureau and filed a dispute informing them that that is a fraudulent charge That XXXX apartments are stating I owe them for. Within a couple days of the dispute being submitted Experian notified me that they investigated the dispute and the they determined that it was a valid debt. I resubmitted the dispute a second time informing them that they need to reinvestigate because that debt does not belong to me. Again a couple days later they notified me that they determined that it was still a valid debt. So I contacted Consumer Finance and informed them that Experian is validating an incorrect debt on my credit report. Consumer finance forwarded the complaint to Experian and a couple weeks later Experian sent me a contract that had my name signed to it between someone signing my name. But the signature is not mine It's not even close to my signature it appears that a child signed my name. I sent a copy of that contract back to Experian with copies of other legal signatures of mine any copy of my driver 's license that has my legal signature and the handwriting is obviously not mine. And again they sent me a notification stating that they are not removing the fraudulent debt from my credit profile. If you look at the contract you can see that that information on that contract is not mine. It's not something I signed nor did I fill out. It's an easy visual inspection to see the it is fraud. And now I'm stuck with something on my credit profile that is not mine. I dont understand how a company can just say you owe them and your forced to pay them. I should not have to prove its not mine. They should have valid proof its mine to attach to my credit profile and they can't. What can i submit to prove the debt is not mine except send documentation showing my hand writing?

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 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: KS

Complaint narrative:
Received collections letter from CMRE regarding alleged medical debt, asked for verification / substantion of debt none provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
I began with {$100.00} in BBVA savings and {$0.00} in checking. I transferred the {$100.00} from savings to checking on XX/XX/19 and my " available balance '' and " posted balance '' for the checking account instantly showed {$100.00}. Seeing that the funds were available, I then initiated a {$100.00} withdrawal using my XXXX brokerage account for the next day. 

On XXXX/XXXX/19, I was charged a {$38.00} " NSF '' fee by BBVA : " INSUFFICIENT FUNDS-RETURNED ITEM ''. I sent an inquiry about the fee saying that the funds were shown to be available but my request for a refund was denied. I sent another message about the misleading " available balance '' and " posted balance '' shown on the site but the representative did not provide an answer for my situation. 

On XXXX/XXXX/19, I transferred {$20.00} from checking to savings and back to verify that the transfers are instant. The " available '' and " posted '' balances are updated immediately and there no indication that the transaction is pending or not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
I entered into an agreement with Radius global the company that XXXX XXXX hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from Radius Global solution via email and standard mail stating my account has been resolved and closed in XXXX. I contacted both Radius and XXXX XXXX to have the information updated correctly. 

My issue is the information that XXXX XXXX is reporting to the credit bureaus does not accurately reflect the agreement made between me and Radius global and it also indicate son my credit report that I still owe XXXX XXXX  {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however XXXX XXXX reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that XXXX XXXX remove the account in totality from my credit report with all three crediting reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
Infiniti Financial Services XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX Acct : XXXX XXXX XXXX Vehicle XXXX XXXX XXXX XXXX Lease amount : {$390.00} Infiniti Financial incorrectly reported that I was 30 day late with my XX/XX/XXXX payment. On XX/XX/XXXX, I called Infiniti financial to make a payment over the telephone and to request to extend my lease to XX/XX/XXXX. When I called I tried to make a payment over the phone, but the representative told me the system was not working to accept the payment. The representative advised me to call later or to make the payment online. 

I made my XXXX XXXX payment online, on XX/XX/XXXX. I was not more than 30 days late. Payment was made XX/XX/XXXX, but Infiniti payment system did not properly process the payment on time. I should not be punished, and suffered the consequences of having a 30 day late payment history on my credit report for 7 years, for Infiniti 's own mistake. It is not fair. 

I called and tried to explained this to Infiniti. Instead, I was mocked by the representative, who told me I was lying and that the company couldn't do anything. 

I should not bear this negative information, just because the company 's own failure to correct its system. I need you're help in reversing this incorrect, 30 days late payment on credit report. 

Another issue, is that even though I paid, XX/XX/XXXX and now XX/XX/XXXX 's payment. Infiniti reports on my credit, that I owe, XX/XX/XXXX and XX/XX/XXXX 's payment. When I asked why, I was explained that they charge in advance and this is why my credit reflects two payments instead of one. This inaccurate information negatively impacts my credit, because it seems that I two payments behind, when I am not. 

Third, I have requested more than 2 months ago, proof that Infiniti paid 2 parking tickets, I already paid. I called the company numerous time. Every time, I called I get the same answer : " We have requested the information from the Accounting Department. It takes 2 weeks to get it. Once  available, we will mail it to you. '' It's been more than 2 months and I have not yet received anything. 

I appreciate any help in solving these issues. I have tried to talk to Infiniti, without any success. The company is not willing to help. Since XXXX, when I took this lease, I have made payments on time. I have 3 years of on time payment history. I was not late on my XXXX XXXX payment. I should not bear the cost of 7 years of negative, incorrect information, when the company is at fault. 

Thanks,

Company response to consumer: Closed with explanation