vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Siwell Inc
State: HI

Complaint narrative:
I have submitted a complaint previously to the Broker ( XXXX XXXX XXXX XXXX ) as I was told by the Lender ( Capital Mortgage Services ) they were providing incorrect information to me. The complaint number is XXXX. However, after receiving a response from XXXX XXXX XXXX XXXX it was stated that the loan was closed incorrectly and by Capital Mortgage Company. We were originally told that we were going to making " interest only payments '' for the construction period of 12 months from the start of construction. However, that was incorrect. Therefore XXXX XXXX XXXX  XXXX stated they included a reserve account and that would provided monthly payments to our mortgage during the construction period. I've attached the documents that was SIGNED at the closing of our mortgage that states we were supposed to have a reserve account. I have reached out numerous times to Capital Mortgage Company and was told they would provide information and be in touch. This has now gone on for a month and NO ONE has responded or came up with a plan to make this right. We are currently having to make fully amortized payments every month while paying rent and building our home. We also have not received any money for the construction as of today. We closed our loan in XX/XX/2018. So we are also paying on money we don't have! We were told by both our lender and broker that upon closing we would be able to take our first draw. That was not true at all and have no money to provide to our contractor as  of today. I am demanding that something be done to provide monthly payments to our loan each month so we can afford to pay rent and build our home. I also want to be able to make draws on a timely manner so we can fund our contractor up front. No contractor would start the building process without any funds up front. The company that is in charge of processing our draws would like our contractor to pay for all cost upfront then be reimbursed. All of this from the closing of our loan to the draw process seems very unreasonable and I can't imagine this is how things are supposed to be processed. Please let me know ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX after phone conversations with XXXX  XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XXXX and XX/XX/XXXX ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. 
I contacted XXXX, XXXX, Trans Union in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, Trans Union. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XX/XX/XXXX and XX/XX/XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, XXXX and Trans Union {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.

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 2019-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XXXX, XXXX,XX/XX/XXXXXXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XX/XX/XXXXand XXXX XXXX  ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XX/XX/XXXX, they appeared on my credit reports. 
I contacted XXXX, Equifax, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, Equifax, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XXXX XXXX and XXXX  XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, Equifax and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to BMW Financial Services. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, BMWFS did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified BMWFS about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C Systems, Inc., located at XXXX XXXX XXXX XXXX , XXXX XXXX, MN XXXX, is in violation of the Fair Credit Reporting Act. I C Systems, Inc. placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. After doing some research, I found the original creditor, XXXX XXXX XXXX, a company that I also have no knowledge of, is associated with XXXX Hospital ER billing dept. I had only been seen at XXXX Hospital once, on XX/XX/XXXX and that bill was paid in full in XXXX through XXXX and myself. The amount I C Systems, Inc is reporting is the discount the insurance company negotiated with the provider that was applied to the bill. IT WAS NOT A CHARGE. I only owed XXXX Hospital a payment of {$59.00} after insurance paid out which I paid in XXXX. My score has dropped over 60 points due this is company 's failure to perform their due diligence instead of just purchasing random 'alleged delinquent accounts '. Again, {$580.00} is the amount that was negotiated by the insurance company. This company needs to remove this erroneous account that was added to my reports in XX/XX/XXXX since they failed to actually verify and confirm that a balance of {$580.00} was owed.

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AR

Complaint narrative:
Trying to get our escrow account refunded. On our online account is showed that we had a refund due in the amount of {$1800.00} and that it was processed on XX/XX/2019. We had not received anything in the mail and it was the end of XXXX. We were advised that a check has been mailed, but if we do not receive it by XX/XX/XXXX that we could call and ask to have it re-issued. We called back on XX/XX/XXXX to advise that we had still not received the refund from our escrow account. The woman advised us that they were cancelling check # XXXX and would be reissuing the refund and we would have it in 5-10 business days. On XX/XX/2019 we received communication from Roundpoint Mortgage that was postmarked on XX/XX/2019. The refund check was in the envelope. I went to deposit the check and realized the check that was issued had an issue date of XX/XX/2019 and it was check # XXXX. So somehow the check that they claimed to have mailed did not get sent until XX/XX/2019 which was 5 days after we had called and requested the check to be re-issued.We called to verify that the check had been cancelled as we did not want to have a returned item and get charged a fee. We were advised that the check # XXXX had been cancelled and that a new check was requested on XX/XX/2019 and we would have it in 5-10 business days. Here we are almost 60 days out from the day that the check was supposedly mailed and we do not know where our {$1800.00} refund is.

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 2019-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
XX/XX/2019, amount paid to me {$3000.00} dollars check. I need proof that this amount was paid to me on the date that's shown above from One Main Financial. Additional to that, XX/XX/2019 I need proof in writing with a copy of check from One Main Financial. {$5300.00} amount paid on prior account, XX/XX/2019. However, I was accused on XX/XX/2019 that I claimed I wanted to refinance and takeout an additional loan for my XXXX XXXX of {$5300.00}. The representative who was working with my title loan on XX/XX/2019 and XX/XX/2019 is ( XXXX XXXX ) she the one claimed that I said I wanted refinance my loan and I takeout additional loan in her possession. I had spoken with the Manager ( XXXX XXXX ) on multiple occasions regarding my concerns of what I state above, at the location in XXXX Ca. However, she redirected to the Executive Office OF Customer Care name ( XXXX XXXX ) sometimes inXX/XX/2019 I had spoken with her with the issues of above. For some reason, I am not getting the information I need to settle my account with the accurate Amounts. ( Amount Financed and Finance charged ). I definitely recalculated the amount that supposed to be issued to me on XX/XX/2019 by check. And the amount does not add up in my calculation. And numbers don't lie. So please take my report in your consideration. feel free to email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to XXXX XXXX XXXX. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, XXXX did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified XXXX  about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is 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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems recently placed derogatory information on my credit report with all three credit reporting agencies without making ANY contact with me by mail, email or telephone. This is a debt that they purchased from a payday loan company that has already been written off and significantly past the statute of limitations for such debt! This company has a long history of such unscrupulous activity and has lost their accreditation with the XXXX XXXX XXXX. 
I request this derogatory information be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: TX

Complaint narrative:
I wrote Check # XXXX in the amount of {$280.00} on XX/XX/19 payable to XXXX XXXX for my XXXX. The employee took my check, ran it through the machine, but would not give me my check back. The other employee told her that it did not have VOID on it, so they had to retain the physical check. When checking my account, I discovered that the amount was electronically debited from my account on XX/XX/19, and then the check was run through my account on XX/XX/19. I filed the appropriate paperwork with my bank concerning the duplicate debits so that they would correct the error. I subsequently received a collection letter from TRS Recovery Services concerning the electronic transfer. I immediately wrote a letter to dispute the validity of the debt, dated XX/XX/2019. I have now received ANOTHER collection letter, threatening to begin contacting me by telephone & further collection action. I have called TRS Recovery Services to tell them that I am going to report their harassment to the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a purchase for {$59.00} on XX/XX/XXXX. I paid the bill through on line banking on XX/XX/XXXX. The purchase was still on the statement that I received in XX/XX/XXXX along with a late fee and interest. On XX/XX/XXXX, I sent a letter to Capital One with documentation from XXXX XXXX  that the bill had been paid. On XX/XX/XXXX, I was advised that the matter was being investigated. I was asked for documentation from XXXX again and sent it to a fax number that had been given to me by a customer service representative. On XX/XX/XXXX, I received a letter telling me that the dispute was closed since Capital One had not received a response to its prior letter for more information. When I called, I was told that the customer service person had given me the wrong fax number. I faxed all documents to the new fax number that was given to me on XX/XX/XXXX. On XX/XX/XXXX, I called to ask for status. I was told that I had to get a transmission form from XXXX XXXX  and I was given a fax number for the form ; form sent on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told that the form was not received because the fax number was incorrect. On XX/XX/XXXX, I was in a conference call with Capital One and a representative of XXXX. XXXX faxed proof of payment to Capital One. As of today, XX/XX/XXXX, Capital One states that the proof of payment from XXXX was not received and that my original payment did not have the complete account number on it so the money paid was not credited to my account. XXXX has advised that the complete account number was on the electronica payment made on XX/XX/XXXX. My {$59.00} purchase now has become {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gravamen Asset Management Group LLC
State: TX

Complaint narrative:
Gravamen Asset Management has reported a debt on behalf of XXXX for the amount of {$400.00}. This was reported on XX/XX/2019. Since then, they have increased the amount to {$790.00}. I've attached to this form documentation that proves that I've pay in full this amount to the previews agency. 
This issues has affected my by losing the opportunity of acquiring a house. This could also affect me on my ongoing investigation for my XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dispute reason : remove this account because the Date of status date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX XXXX Date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation After what is known as an investigation that was conducted and completed by the CRA, Experian report still shows the Date of status date didn't change/updated and inaccuracies and blatant 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 2019-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC
State: TN

Complaint narrative:
I refinanced my auto loan from Flagship Credit Acceptance to XXXX   XXXX XXXX XXXX. The check was sent from XXXX XXXX on XX/XX/19 and  according to the USPS tracking number was received by Flagship Credit Acceptance at XXXX on XX/XX/19.  Upon checking my Flagship account on XX/XX/19 I noticed that the payoff check had not been applied. I called XXXX XXXX to verify the address the check was shipped to was correct and it was. I then called Flagship and got a rather nonchalant customer service agent who said there was no record of receiving the payoff check from XXXX XXXX. I then called XXXX XXXX and had one of their agents contact Flagship while I was on the line and suddenly they verified that the check had been received and the payment would be applied within the next few days ... however the check from XXXX XXXX was dated until XX/XX/2019. Today is XX/XX/19. This is a concern along with the fact I paid for GAP insurance which should be refunded upon car payoff but I'm not confident that Flagship will do the right thing and promptly send my refund.

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 2019-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: FL

Complaint narrative:
I had a disputed debt with XXXX XXXX about 7 or 8 years ago. They charged me twice for a cell phone and I could not get the company to fix the problem. ERC told me that if I paid them half the amount claimed that they would fix my credit report to show the debt had been satisfied. I paid the money to ERC because they said it was too late to settle with XXXX. The payment was made to ERC about two years ago and then I got a collection letter from them and phone calls were made incessantly to me and they would not listen to reason. The company are extortionists threatening to ruin your credit and then doing just that even when you pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation