vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
On the morning of XX/XX/XXXX, after identifying a large increase in our automatic payment amount. I requested a copy of an escrow analysis through the online Document Request section. As of the date of this complaint, I have not received communication or the document requested. The information sought by my wife and I ( borrowers ) is the escrow analysis that changed our payment from {$2500.00} to {$2800.00}. Roundpoint never notified us of the change prior to or after changing our payment. 

There are miscellaneous changes to escrow on the following statements that were not and have not been communicated to us other than mysteriously showing up on our statement. 

Escrow Advance Recovery of - {$690.00} on XX/XX/XXXX Escrow Advance of {$450.00} on XX/XX/XXXX Escrow Advance Recovery of - {$450.00} on XX/XX/XXXX The maintenance of our escrow account is now a re-occurring issue that is negatively affecting us. These constant changes to our payments could be considered unfair, deceptive, or abusive. Not to mention, the lack of communication violates federal regulations. While we fully understand that changes can occur to taxes, we notified Roundpoint Mortgage Servicing Corporation of your errors in calculating our escrow. 

You ( Roundpoint ) insisted on refunding us what you incorrectly considered a surplus. This was against our recommendation as evidenced in a submission of a compliant to the Consumer Financial Protection Bureau - Case number : XXXX. As you will see in that complaint, Roundpoint Mortgage Servicing Corporation routinely fails to inform us of changes to our escrow account. We are now required to pay extra to refund the escrow. If this was a few dollars I would understand but it is a difference of hundreds of dollars, which again, is unfair to us. Your escrow analysis needs to determine our payments for the next computation year. Which you are failing to do based on the ever-changing escrow payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Balance {$900.00} which is false, and misrepresented as I paid {$450.00} so far. 
Opened : XX/XX/2013 ( 4 yrs, 2 mos ) I called this debt collector, we arranged a payment so far I paid {$450.00} and the last date I paid was XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: NV

Complaint narrative:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status.  Why would it go to charge off, after I paid the balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX XXXX  on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: NV

Complaint narrative:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 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: NV

Complaint narrative:
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
XX/XX/XXXX, we have a mortgage statement from XXXX XXXX XXXX showing mortgage was current and up to date. It was transferred to DiTech account # XXXX. All payments were made on time but starting in XX/XX/XXXX, DiTech began claiming that our payments were late. In XX/XX/XXXX, DiTech began reporting late payments to Credit Bureaus. We contacted DiTech again in XXXX to fix the problems on their end. My husband requested our payment history and went over dates checks cleared against their actual posting. It was a mess. They continued showing payments in arrears but we faxed and XXXX XXXX delivered paperwork from our bank of checks showing that all payments were made on time. We questioned their book keeping as to why this had not been better handled and why they hadn't fixed it yet. They were posting payments late but our cleared checks showed they were cashed on time by them. Finally on XX/XX/XXXX we received an email from their Customer Service Department stating that they had resolved the issue. But XX/XX/XXXX, we received another letter from them stating the account was running a month behind after we had already proven payments were all on time. So we were back at square one AGAIN. They transferred to another Mortgage company stating XXXX payment was not made but I had cancelled check that they cashed. I also emailed them on XX/XX/XXXX that I had record that they cashed check and to forward to new Company. They also were reporting derogatory information to credit bureaus which caused problems. This is very unfortunate that we had to constantly have to go back and forth with a company with such poor book keeping when handling customers ' money and that the customer has to prove that they were doing what they were supposed to. It's scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
Within my contract sent to me by a law firm on behalf One Main there are two different interest rates listed along with different loan dates. One is over 30 % and the other is XXXX. According to Florida Statues Chapter 687.02 usurious contracts should not be charged at an insterest rate of more than 18 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Opened XX/XX/XXXX ( XXXX mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. How come it's open then XXXX? 

I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have medicaid and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Opened : XX/XX/XXXX ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX Amount owed : {$710.00} and another opened with {$750.00} Opened XX/XX/XXXX ( 4 mos ) and the last time I went to XXXX XXXX XXXX XXXX was in XXXX or XXXX, I left this area since XXXX. 

How come it's open then XXXX? I have no idea what this debt is about. If it was for my kids whom had insurance by that time, it should not be under my name or in my credit report. And guess what we might resolve this in court because those emergency rooms always fail to charge the insurance companies which my kids have XXXX and now adding all this amount on my credit report. I'll give you 30 days to remove this from my report because it is proven that all my kids have insurance since day one and never cancelled. And in fact even so, should not be under my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Opened : XX/XX/2016 ( 1 yr, 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX I just have no idea of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I was told the total of the truck was XXXX my payment would be XXXX a month. I get my payment book and every payment says XXXX I call XXXX XXXX XXXX the guy says it because some months have more then 4 weeks in them. I make my 1st payment then by the time I make my 2nd payment they saying I owe XXXX dollars on the truck the paper work I signed the only paper work I got says XXXX but the kcredit place says I owe XXXX saying I gave the sales guy permission to sign my name on form which I never did so I was not aware of me being locked in for 5yrs paying XXXX a month oweing over 12,000 dollars in interest I was only made aware of it once I made a complaint to the credit people about my account saying I owe XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... 
I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing this complaint due to TransUnion not responding to have credit inquiries removed due to them not being authorized. I did not authorize numerous inquiries that are showing on my credit report and I have disputed them 4 time and I get the same response days later. Which further tells me that they have not verified these inquiries and keep sending me a generic response. I have just submitted another dispute and if this XXXX  Complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone credit is for a firm offer of credit, insurance, employment or court order. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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