vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In  XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 2017-10-09 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: GA

Complaint narrative:
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXXand XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GCFS, INC.
State: CA

Complaint narrative:
The first contact with me on this debt, I asked which debt it was but never was clear as to the original debtor and the amount. It was an old credit card debt and since it was small I was willing to work with the company to make payments if it was truly a debt I owed. They had contacted me when I was out of town with my ill father, so I asked if they could contact me when I was back at home and could verify what they had told me. They stated they would call me back to make arrangements and NEVER DID. I never received a phone call or any type of process service until after I was sued. Apparently, they served me by mail, however because my father was ill and I was helping with him I was staying with my parents. If I would have received any type of legal document I would have made it a point to go to court, there is no way I would just not show up if I knew I had to be in court. I would think there should have been some type of communication or work out prior to taking me to court and there was no such phone calls after the one first call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
I was contacted by XXXX XXXX of XXXX XXXX XXXX I gave her some information on XXXX XXXX she contacted me and said I was approved for the loan, but I have to get an appraisal for {$450.00} from this specific company that they go through for appraisals I told her I did n't have that type of money obviously looking at my income that is nearly half of my monthly income so she knew that I was borrowing the money she told me and the borrower on speakerphone that will be closing in two weeks and I would be able to give the money back, the appraisal company help my money for over a week and did n't do an appraisal within that time she contacted me and said I was denied and I asked about my refund she said she would talk to her manager the next day when I contacted her she said I was asked me if I was excited because I 'm approved they sounded different underwriter and not to worry so that day or the day after the appraiser came out of course to do the appraisal. XXXX had put somewhere in some paperwork that my house was worth {$90000.00} the appraisal came back for {$73000.00} I would have never estimated so high but somehow she came up with that *she also lied to me and told me that the APR was 4.7 when he was actually 5.6 for the proposed loan she actually lied to me twice and told me I was approved for the loan obviously because I 'm not, she misled me to believe I was approved, I did not have to agree to do the appraisal, had I known I was denied but she lied to me and told me that I was approved. Now she refuses to respond to correspondence in her company is not cooperating and giving me my money back. It 's already been a month she told me and the borrower that we will be closing in 2 weeks so I could give the money back with the cash out and it 's been over a month now, I still have to pay back that money to the borrower They Do n't Really Care that the loan did n't go through she said we will be closing in two weeks and so I was expected to pay this money back in 2 weeks unaware that being so misleading was part of professional courtesy. For now the law and compliance Department of XXXX XXXX mortgage is doing an investigation on recorded phone calls to see if she told me that she would give me a refund on my denial. It seems very condescending why would she make that type of insurance when she had told me I was approved? I need that money back.

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ordered my free credit report from all 3 agencies in early XXXX, XXXX. The two other credit agencies sent the report promptly, Equifax never provided the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Referenced XXXX Account # XXXX This complaint was closed because I was critical ill and unable to resolve the issue. 

Chase Mortgage Company foreclosed on property XXXX XXXX XXXX, XXXX XXXX, Louisiana during XXXX XXXX. I paid mortgage on this property and Chase Mortgage company had records of transaction. 

During calendars years XXXX and XXXX I reported this to the United States Attorney General because I received foreclosure documents for XXXX XXXX XXXX, XXXX, Louisiana delivered by the XXXX XXXX XXXX XXXX. 

Referenced XXXX Judicial District Court for the XXXX XXXX  XXXX Docket No. XXXX. 

Reference Account Number : XXXX Malfeasance in office by JP Morgan Loan Officers and Board of Directors. 

This is the third complaint I submitted to you for investigation. I never received a reply or answer due to anti-trust laws and malfeasance in office. My name is XXXX XXXX XXXX XXXX. I would like your agency to investigate mortgage fraud by JP Morgan and Chase Mortgage Company. In addition, I submitted information to the FBI regarding XXXX, XXXX, providing misleading information. During calendar year the application for modification loan was lost and misplace on several occasions by XXXX and JP Morgan Mortgage Company. After resigning from a Federal Agency I encounter these issues. I truly believe Seterus, LLC is associated with JP Morgan. I paid my mortgage payment on XXXX XXXX, XXXX, and XXXX reported that I had insufficient funds in my bank account. I visited XXXX XXXX and I was told the check was never submitted for payment. After this incident I completed a complaint with Federal Trade Commission. Also, I reported this predatory loan practices to the United States Attorney General and FDIC for assistance. ATTACHMENTS were submitted with prior complaints. XXXX XXXX  XXXX consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 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: GA

Complaint narrative:
The complaint involves XXXX AND EXPERIAN report a chapter XXXX that has n't been VALIDATED yet still remains on my report. XXXX deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
XXXX AND EXPERIAN HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 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:
The complaint involves EQUIFAX AND XXXX report a chapter 13 that has n't been VALIDATED yet still remains on my report. Equifax deleted the reporting and then added it back which is a violation of the FCDPA LAWS that states you have to give the consumer 5 days notice before adding anything back to a consumers file. I challenge the accuracy, compliance, and reporting of both listings. As of XXXX XXXX, the law states the following Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments, and tax liens must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 
EQUIFAX AND XXXX HAVE FAILED TO VALIDATE THIS INFORMATION ON MY REPORTS AND IS CAUSING ME GREAT HARM. I want these items deleted today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My previous auto financing company is reporting a charge off that is negatively affecting my credit report. I have always disputed the validity of this debt. Recently, I was awarded a class action settlement against this auto financing company for discrimination in auto financing. I believe that this debt was a direct result of the companies discriminator lending practices and I would like this negative reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I sent Eastern Account System a check which they cashed a check from me in reference to an account that I owed them. I paid {$70.00} for them to delete the account and they said it would be deleted. I filed a bbb complaint and they said they would delete. Then I emailed them again in XXXX that it has been months since they were supposed to delete but it is still reporting and they gave me a 30-60 turn around time from the date they input the deletion request it has been way longer than that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
this concenrs people 's united bank in XXXX, Connecticut. The person it involves is my husband who tried reason with them but they feel they are always right. I have not used the account in question since XXXX or even earlier. The matter involves the banks paying online service where it keeps drawing money from the account adding up fees ad then drawing from the reserve account the banks sets up. the bank was told several times to stop having autoimatic pay by phone from drawing on the account.the account was a joint account and since my name with out my knowing was placed first on the account i am the one they are holding responsible for something I did not do.This matter i can say is over nine years old.There is no reasoning with them. I have read that there might be a class action suit against the bank for this reason for charging fees to its customers from auto drawing from its pay by phone ad refusing to pay this. I am not the person responsible for what ever debt is owed. XXXX XXXX XXXX XXXX is  calling two ad three times a day. They called a XXXXXXXX XXXX. this morning. tried to talk to a spanish women who gave me a hard time.here is there numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I had a procedure done with my XXXX in their office. I paid the doctor 's office the amount that was owed to them and my insurance, XXXX XXXX paid their covered amt. I never received any other correspondence in regards to this office visit. Around XX/XX/XXXX, I noticed I have a collection account on my credit report from SCA, a collection agency. I sent this company a validation letter to inquire about the nature of the collection. They sent me a bill for {$260.00} from XXXX XXXX XXXX for a lab service for the XX/XX/XXXX Date of Service. Upon opening the bill, it had a completely wrong address for me. I contacted the company and they advised me that my doctor 's office sent them the address and they were advised that this was a self-pay account. That information is incorrect. I provided my doctor 's office my insurance information and they were paid for their services. I then contacted my doctor 's office to confirm what information they have for me and they confirmed the address they have on file is the address where I currently live and have lived since XX/XX/XXXX. I have continued to dispute this collection with XXXX XXXX XXXX and XXXX who handles the billing for this company and they are not providing a satisfactory resolution. I 've sent them a copy of my lease from XX/XX/XXXX showing that the address they have is not my address. I 've contacted my doctor 's office and they have the same information. My final contact with XXXX/XXXX XXXX XXXX was on XX/XX/XXXX and XXXX XXXX who is a supervisor, advised that the mailing of a bill is the only correspondence that they sent and no phone contact was ever attempted by their company and that the address they have " did n't drop out of the sky. '' I feel this is completely unacceptable as I do n't know where they obtained the address that they have on file or that fact that my account was a self-pay account when I was insured and my doctor 's office had that information and had no reason to send this lab anything different. I never received any notice of this bill and would n't have known about this bill as I never visited this lab and was never made aware that they had a bill or claim for me. I sent this company everything that I have including an explanation of benefits showing that my doctor 's office got paid and proof of coverage letter from my insurance covering the date of service. How could I have known about a bill from them if they can state that the only correspondence they sent was to an incorrect address and no phone contact was even attempted?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability Recovery Services Collection agency removed a debt from credit report in XXXX for creditor XXXX College. Received an alert on my credit report that this agency added this debt back on my report on XX/XX/XXXX with no written notice. I contacted the company the same day to ask to speak to a manager to ask about the validation of a debt with no written notice. I was spoken to rudely and was told I can not speak to anyone else. This file is currently listed under investigation with the credit bureau. Ive still yet to receive written notice to validate this debt to be placed on my credit report

Company response to consumer: Closed with explanation