vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2019 I applied for and was approved for {$5100.00} a Debt consolidation loan from XXXX XXXX XXXX located in XXXX XXXX illinois, on that same day I went to My local XXXX to make a payment of {$5100.00} on My Walmart credit card. My payment was submitted to Walmart and a receipt was issued to Me from Walmart noting payment. On the XXXX of XX/XX/2019 it was discovered by Me that Walmart did not post My payment made on the XXXX of XXXX for the amount of {$5100.00}, in fact only {$19.00} of My payment was posted. Walmart refused to explain to Me where My money went nor assist Me on the matter. Upon following up with XXXX XXXX XXXX on the matter I was furnished with copies of My payment to Walmart for the amount of {$5100.00} which cleared on the XXXX of XX/XX/2019 and was not posted to My account. 
Further follow up 's with Walmart to this date have resulted in further complications and no resolution to My issues

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I had a XXXX credit card from Continental Finance co. and because of hard times and illness could not pay it. They hired a company called XXXX XXXX XXXX XXXX. to harass me and my extended family members. They called my x-wife and grown daughter and told them they were looking for me with legal papers to serve. They have nothing to do with this. They also keep calling me with the same threat. They won't let up. I asked them to stop and send me some paperwork on this and they refused. Spoke to XXXX @ XXXX XXXX XXXX. They are clearly breaking the FDCPA law 15 u.s.c. 1692 against harassing the debtor. They call and say they standing outside my house ready to come in. This is crazy. Please help me with this situation.

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 2019-04-16 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: CA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on DPT EDXXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act. I filed another complaint against them back in XXXX, but I still have received no verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Can not access account online at all. Before only checks were not visible. Now no account information is accessible. We are paperless so I have no visibility to any account 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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding LLc is claiming I owe them more then {$2900.00}. This debt was paid to XXXX XXXX  in full. XXXX deleted this from my credit reports with a promise to pay then months later I get a phone call from Midland Funding LLC call my work which I am not allowed phone calls at work telling me I owe more then {$2900.00} to them from XXXX told them not to call my work ever again all correspondence must be sent by mail ask them to send me Proof I owe this money proof I never paid this debt and all purchases made on this account have yet to get any information at all other then a bill from Midland Funding LLC they still continued to call this debt was paid in full I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: CA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6, 7, and 8 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
My mortgage company claims that I did not make my XX/XX/2019 payment of {$980.00}. The money was drafted from my credit union account on XX/XX/2019. I have repeatedly called Caliber, the mortgage company, as well as written a letter and emailed them. Nobody will take the time to listen or investigate. This has caused many sleepless nights and much follow- up time on my part. My home is very important to me, as is my credit rating. Their error is costing me both, and they answer my queries in a very superficial way, in effect labeling me confused or worse yet, dishonest. 
I have included a copy of my payment history record for the month of XXXX, 2019. This was provided by the mortgage company. In XXXX there are nine transactions for {$980.00}, the amount of my mortgage payment. 
The first transaction was on XXXX first. Because I was a little short for the payment I requested that they apply their promise program to give me a weeks grace period and they agreed. I handled this over the phone and the representative said he had rescheduled my payment for XX/XX/XXXX. 
The representative apparently rescheduled the payment but did not cancel the original withdrawal. They tried to withdraw the {$980.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. Both payments bounced. They processed a payment reversal on XX/XX/XXXX and again on XX/XX/XXXX. These four transactions offset. 
There were two transactions for the same {$980.00} amount to unapplied funds. One was positive one negative so they too, offset. 
On XX/XX/2019 there is a {$980.00} transaction recorded as a cash receipt. THIS IS THE PAYMENT DRAFTED FROM MY CREDIT UNION!!!! THIS IS MY XXXX MORTGAGE PAYMENT!!! However they did not record it as interest and principle, which is how they record all monthly mortgage payments. 
On XX/XX/XXXX, this amount was subtracted and listed as a {$980.00} escrow refund. In effect they increased the amount in my escrow account by the amount of my XXXX payment. I just received a letter from them saying my monthly escrow payment would be decreased due to the high balance in my escrow account. 
The end result is they took the cash they received for my XXXX mortgage payment and applied it to my escrow account. They then claim that I never made a XXXX mortgage payment, and are assessing me late fees for not making a payment. I have to be the only person in the world that forgoes paying my mortgage to make a deposit equal to my mortgage payment into my escrow account. 

I am including a copy of this payment history details provided by the mortgage company, and my credit union statement showing the payment left my account. 

I can provide my payment history from Caliber Home Loans as proof that they have messed up as well as my XXXX bank statement to reiterate that the money was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
Nissan Motor Acceptance Corp is corrupt. Not only was a lied to at the dealership when i purchased the vehicle was sold a warranty that ran concurrent with factory warranty didnt realize until month later call to fix issue got the run around so i just chalked it up as me being conned. Which is horrible for business to even attempt let alone to make a regular part of business XXXX XXXX  please be careful people. Now next issue i had a couple of late payment they put a thrid that i gave them info that was incorrect i have been given horrible customer service since i first called to attempt to fix. This company is just the worst to do business with and i want other people to be careful before they enter into a agreement with these heartless corrupt liars.And the worst part the XXXX XXXX is a horrible car stay clear of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i mailed in several letters to experian and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

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 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: CT

Complaint narrative:
I financed a car through a bank but the car has engine issues so I tried to fix it with the dealer but he failed to. I have to take Them to court and I won the case. Since the bank was aware of the circumstances they assigned my account to a special team to follow up and take payments for the loan. I have been making the payments as planned. However, the communication with this department changed all of a sudden and I kept calling leaving voice messages to make the payment. The scenario went on and on for almost a year. I know I have the car and the loan is not complete. So I insisted on contacting them and spoke to various people at the bank until finally someone figured it out. As soon as they realized the car loan has not been paid they took the car without offering me ways to remedy the problem. I called them because I wanted to solve the issue and avoid this type of scenario. So I am with no car and it was not my fault. They want me to pay off the whole loan $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I paid my mortgage using the XXXX XXXX app on XX/XX/2019. I was told the auto pay was turned off. On XX/XX/2019 a duplicate payment went out for the same mortgage. Also on XX/XX/2019 the loan was unbeknownst to me sold to m and t bank. 
They are still sitting on a duplicate payment for XX/XX/2019 for 16 days now. 
I have talked to 4 supervisors and they say exactly the same thing each time. 
They all say something happened but they escalated it to the back office pay for next day return to my account. 
And then its back to square one going through this 4 times. They keep saying they do not have a bank document but I have emailed it and also faxed it to them ( they end up saying ti will be out today or tomorrow into my account. 
They are just sitting on it to get those 2 dollars of interest it makes sitting in their account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

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 2019-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i mailed in several letters to XXXX and asked for signed documentation and verification of accounts reporting on my credit report and i have yet to receive anything from them i also asked for method of validation and proof of debt and no response in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
A collection agency Independent Recovery Resources ; IRR, Inc. 
XXXX XXXX XXXX XXXX, NY XXXX has placed a negative item on my credit report that's is NOT valid. XXXX XXXX reporting has agreed with my dispute but this collection company has not removed this item from my credit report. It's is listed as a late derogatory credit account without any documentation to back up their claim, no statement of financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: IL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
i was told by SLS loan servicing to send 3mo. of bank statement and profit loss statements i call on XX/XX/2019 they have the paperwork i sent in now they tell me im missing one doucument but they cant tell me what it is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 90 plus days past due on XXXX XXXX XXXX Accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 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: AZ

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: TX

Complaint narrative:
Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account needs to be coded as an XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation