vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Experian with no help. There was three different numbers and there was no one to speak to in regards to inquires and accounts that are on my consumer report that was not authorized to be there. This is an issue of identity theft. Per 15 USC 1681 ( a ) ( 1 ) if consumer reports are inaccurate it damages the efficiency of the banking system. As a consumer per 15 USC 1681b ( B ) ( IV ) as a consumer I have a right to dispute any information in my consumer report. Per 15 USC 1581b ( c ) ( A ) being as though I never authorized Experian to provide any reports to any persons, they are in clear violation of the Fair Credit Reporting Act. Per 15 USC 1681m ( d ) ( D ) as a consumer I have a right to choose what information can be in my consumer report. Being as though this information was not authorized by me it will have to be removed immediately.

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 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
False information about closed and paid accounys. Companies do not want to change it asreported. Call the co.paniy itself to help and the co.panies stated Transunion and XXXX needs to change it. They do not want to help at all.

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 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: NY

Complaint narrative:
I have sent Transunion A dispute letter in XX/XX/2021 with no action and proper investigation has taken place. They took off two account but deletion is admission to error and they must pay my invoice and remove the other accounts. I sent another dispute with evidence showing the errors on my credit report since XX/XX/2021.

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 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Inc
State: VT

Complaint narrative:
Asset Recovery Inc ( XXXX Vermont ) has placed 6 ( at this time ) XXXX XXXX on my credit report. 
I can not see the account numbers for these collections to provide to you. 
They did not send a dunning letter for me to dispute the alleged debts. I was unaware they were attempting to collect any alleged debts.This is the 3rd time this company has done this in the last year. Any of my alleged medical debts are covered by XXXX XXXX XXXX ( Paid insurance ) Any remaining balance is covered by XXXX XXXX XXXX program thru XXXX  I have Spoken to my financial counsel at XXXX. They tell me the invoices were sent in error. This is the 2nd complaint I have made against Asset Recovery Inc this year. The 1st complaint took them 2 months to respond. They said they were removing the collection I complained about. They have not taken any action at this time.

This has a drastic impact on my credit score and ability to secure funding.

The collections they are reporting are inaccurate and untrue. This company is willing to report unverified, non valid accounts knowingly and not held accountable for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This company is reporting and attempting to collect an alleged {$7700.00} deficiency balance. Please be advised that I dispute the legal validity of the alleged deficiency balance. They are attempting to collect a deficiency balance that I am not obligated to pay. Specifically, they have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. As per the law, cease and desist all collection activity, including all credit reporting.

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 2021-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am being reported late in XX/XX/2021. The month has not finished. Also, I am currently in forbearance until XX/XX/2021. It's impossible for me to be late when I do not have a payment due until XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
During the Covid-19 pandemic I filed for a forbearance with Sterling National Bank for the months of XXXX, XXXX and XXXX of 2020 and it was accepted. Beginning in XXXX of 2020 I resumed my monthly payments to Sterling with the understanding the unpaid amounts would be attached to the end of the loan. That did not happen and I subsequently started a mortgage refinance with another lender, who will not complete the refinance without a letter from Sterling stating I am no longer in forbearance and have been making regular payments from XX/XX/2020 to the present time. Sterling Bank will not process thais letter in a timely manner and claim they need 3-6 months to satisfy the request. Sterling Bank has also prevented me from accessing my payment history, claiming I am still in forbearance and therefore do not have access to my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My mortgage is through XXXX XXXX  and in 2019 we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am absolutely sure that the regulatory agent XXXX XXXX letter to the CFPB dated XX/XX/XXXX are 100 percent lies and mislead the CFPB to close 8 complaints and she must be held responsible and thereafter countless employees at Bank of America confirmed my claims as XXXX, XXXX, XXXX and an known XXXX fake claim an known fraud scheme by all involved employees. The claim was entered into the system and I were informed it was approved as XXXX then an supervisor XXXX told me one early friday morning around XXXX that someone came along and handwritten an XXXX dollar claim onto of your XXXX claim and there aint even an XXXX transaction on your account. 

Then here comes XXXX a loose cannon while I am in an totally different conversation I WILL STRAIGHTEN THIS OUT, I WILL FIX THIS BECAUSE THIS HAS THE XXXX TRANSACTION ON IT AND XXXX IN THE ACCOUNT IS YOUR MONEY. I WILL PUT ALL YOUR IDENTIFIERS HERE ON XXXX. ALSO MENTIONED WAS XXXX AND XXXX AND MY ACCOUNT IS XXXX. 

Then on XX/XX/XXXX XXXX I spoke to XXXX and he said your money were put into an XXXX XXXX XXXX of XXXX account instead of XXXXXXXX XXXX XXXX  XXXX there after 4 women told me that they had frozen the account and that they were trying to get the money back into my account 1. XXXX 2. XXXX i remember.

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 2021-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Goodmorning, last month XX/XX/XXXX I sent over that I was a victim of fraud, multiple accounts are not suppose to be on my account, according to the FCRA you have 4 days to block and remove these accounts from my credit report, this is unfair. I was a victim of a data breach and that situation has put many problems in my life. As a consumer I should feel protected not feeling the pain of the wrongs done to me. I am attaching the FTC report and affidavit again with proof of my identity with my license. This is effecting my family in a very negative way. Please follow the rules that was set to help our consumers, I know we are in a epidemic but you must act as soon as you receive this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group
State: TN

Complaint narrative:
This all began in XX/XX/2021 if my memory serves me correctly. I receive a call from this lady telling me that she is collecting money from me that I owed from a personal loan company. Due to the pandemic, I was unable to continue paying the loan and it went to a 3rd party agency I guess. This lady was extremely rude. It was oppressive speaking with her, as I felt berated by her tone. Anyway, I setup arrangements to pay bi-weekly and honestly it was because the woman freaked me out. She acted as though she was an attorney and like she was threatening me with actions that she legally can not do. she intentionally set up the payment on my pay dates and would attempt to withdraw the funds before my bank even processed my pay. I received several calls from my bank inquiring about the agency. I honestly don't even think I owe the amount she said I did. I honestly feel as though she is a scammer and I don't know what to do. I would welcome the opportunity for someone to be on the telephone when she calls to witness this rude oppressive harassment. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
BancorpSouth Mortgage Is Breaking Federal Rules My payments have not been credited correctly in a timelymanorand I have not receivedmy last statement. Even though I alwayspay waymore than enough, It always shows that my account is overdue. 

Someone called me and said they would freeze my mortgage account if I kept paying partial payments, ( even though I pay more than half due twice per month and I always have more than enough to cover my mortagage payment on the date due ). Example : {$900.00} mortgage bill, I would pay {$500.00} the month before it was due on the 1st, then pay {$500.00} the month before on the XXXX. Totaling to {$1000.00}, 15 days before my bill is acutally due ( {$100.00} over what I owe ) I told her I need to know more information because I am paying way more than what I owe and that I've never had a late payment. I explained that she needs to outline in my contract where it says I can not pay this way and she said that the contract does not specify that but if i continue to make payments like this, that i will acquire late fees and blows to my credit score that will not be reversable.

She also said she would send a letter to me and have her manager call me. I have received neither of those and then they froze my account.

I called again and the manager told me she would unfreeze my account as long as I make payments in full then send in another payment for any extra that I want to pay. I agreed even though they are breaking federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I already disputed this account from XXXX XXXX with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Experian from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports with the same account name XXXX XXXX XXXX XXXX and the same account number XXXX and is reporting negative still under Experian. I've attached a photo of the 2 accounts along with the copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. After months of processing and making follow-ups to EQUIFAX with regards to my request of getting this unauthorized inquiry to be removed from my Credit Reports XXXX Nevertheless, I have neither heard anything from Equifax nor received any kind of response. Consequently, I have decided to reach out to you to ask for some assistance and help. Equifax hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they are to provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the unauthorized inquiry : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have owned a coop located @ XXXX XXXX XXXX XXXX XXXX NJ XXXX since XXXX. 
I originally obtained a 30-year mortgage from XXXX XXXX  XXXX but over the years the lenders changed from XXXX to XXXX and then to Shellpoint Mortgage ( aka New Rez ) which was not my doing, but the result of the transactions between the lenders. During the entire time I owned this coop unit, the property has always been insured without any gap or lapse of coverage as required by the building. 

Shellpoint Mortgage took over around XX/XX/XXXX and suddenly sent out a letter stating that my property didn't have proof of insurance so they had to insure it on my behalf and start an escrow account. So, I immediately uploaded my proof of insurance ( the policy coverage page ) to the web address they provided, and received their letter dated XX/XX/XXXX ( See attachment 1 ) confirming that they received the proof of my coverage & that they are canceling the insurance they purchased on my behalf and thereby the escrow account as well. 

However, even despite & contrary to their own confirmation and numerous phone calls to correct the matter during which they all confirmed again that I had no liability and they would pass it on to their insurance department ( to no avail ), they have not canceled the escrow even to this date and still continue to bill me for this escrow account ( See attachment 2 ). 

I don't have the bill that contained the original escrow amount any more, but I remember it as in the neighborhood of {$69.00}. It's not a significant amount, but the amount that never even needed to be there in the first place, but that they kept on bilking me with all this time since XXXX last year despite the proof of its non-necessity. 

This is also an epitome of the staunch bureaucratic rigidity plaguing the industry that don't admit to their own fault even in the face of the clear proof against it. Moreover, this is a clear example of how predatory these lending institutions are even down to nickeling & diming of their customers. 

I await your just & rational action against Shellpoint 's injustice.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Wyndham XXXX and Barclays Bank On XX/XX/21 I went to activate my Barclays card and was sent to Security stayed on hold for 54 minutes. I called next day and 1 hour and 3 minutes later still on hold I can never reach anyone in the Security department to get this problem fixed. Soon a payment for my Wyndham XXXX account is going to be due it comes on this card its not going to go through because I can not get the card access. This is how Wyndham XXXX gets their payments each month this is what they insist on as far as getting their payment. So I have a card I cant use my credit is going to be ruined and theres nothing I can do about it.

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 2021-09-16 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: IL

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation