vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-19 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:
On the Public Records section of my TransUnion Credit Bureau report there are six negative records which say the reporting was by the Recorder of Deeds and the US Bankruptcy court. Letters were sent to TransUnion XX/XX/2012 and XX/XX/2012. TransUnion has indicated that these court entities have reported this. I have enclosed documentation which show the documentation from the court indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. TransUnion receives its information from XXXX who sells it to TransUnion Credit Bureau. This is a violation of the Fair Credit Reporting Act to report false information by claiming to get information from a Court when it is actually obtained by a 3rd party. 
TransUnion has claimed that this information has been verified. This is completely false information. 
I am sending copies of the court documentation sent to me as well as a list of the public records and dates that letters were sent to TransUnion disputing the accuracy of these records.

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 2018-03-19 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:
Beginning in XX/XX/XXXX I disputed a tradeline furnished by XXXX Mortgage with Equifax. I disputed it three times with Equifax - I never did any business with XXXX Mortgage and communicated that to Equifax. 

Instead Equifax reported to me that the information had been verified. On XX/XX/XXXX Equifax told me that paid as agreed accounts will automatically be deleted 10 years from the date of last activity. The information I was disputing had a date of last activity of XX/XX/XXXX and the status showed as paid as agreed. 

On XX/XX/XXXX I received a XXXX Credit Report form Equifax and the disputed information is still being reported with a DLA of XX/XX/XXXX and a status of paid as agreed. 

Equifax continues to provide consumer reports about me containing this inaccurate, incomplete, and unverifiable information when it should have been deleted no later than XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
The mortfage company trying to force me to pay additional monies monthly on my mortgage after I paid my escrow shortage before the deadline. 

I purchased a money order on XX/XX/XXXX and mailed it in. 

The mortgage representatives told me the escrow shortage was due until XX/XX/2018 and they told me that's when they received it. 

However, I got a call on XX/XX/XXXX in the AM telling they had not receiced my mortgage payment. 

My credit union shows my mortgage payment cleared on XX/XX/XXXX 

Then the representative tells me I was short in my payment I asked how so? The representive said since my payment for my escrow got there on the XX/XX/XXXX I owe an additional {$11.00} a month on my mortgage. 

I asked how is that possible when I paid my escrow shortage beforeXX/XX/XXXX as per their statement expressed and per a representative I spoke to prior concerning the escrow due date because I had to wait for a replacement of the escrow bill. 
She kept saying it had to be in their office by XX/XX/XXXX. I repeated her telling me that got it on XX/XX/XXXX. So how could my payment be late? 

Then she said my mortgage payment was late and why I couldn't pay it on the XXXX  of the month? I told her according to my mortgage agreement as long as it get in by the XXXX it is on time and not late I tried to have them change my due dat to the last XXXX that way it would be closer to my date I get paid. They told me it was against FHA regulations to change my loan due date! 

Every bill I have changed my due date to accommodate close to when I get my income.

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 2018-03-19 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:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Ever since I hired an attorney to defend my foreclosure case, my servicer, Wells Fargo, has sent *all* correspondence to my attorney, including escrow disclosures, monthly statements, and correspondence about my account. I have not asked Wells Fargo to send this correspondence to my attorney. In fact, my attorney asked Wells Fargo 's attorney to make sure this correspondence is sent directly to me. I would like Wells Fargo to send all of its correspondence to me.

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 2018-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I want to refinance my Mortgage but Select Portfolio Serving , Inc. is trying to make me pay {$16.00}, XXXX an addition amount I don't owed. A letter sent to me from XXXX dated XX/XX/XXXX offering me to rearrange my payment. I disagreed with the addition payment of XXXX on XX/XX/XXXX in a recorded conversation with XXXX XXXX XXXX which she wavied. who worked at XXXX ( Modification unit ). I never agreed or signed any document to paid this Addition amount of {$16000.00} but I did disagreed. 
XXXX filed a Judgment of Foreclosure and sale against me and my husband it was ORDERED vacated on XX/XX/XXXX without cost to any party. so, I don't owe any court or attorney fees {$3200.00}. 
I have paid my owned XXXX XXXX and XXXX XXXX XXXX sent XXXX. Select Portfolio Serving Inc. or XXXX did not pay {$7700.00} in any XXXX Account for us. 
I don't know where the Accrued Interest Previously Extended from {$1700.00}. because we were paying our mortgage or the {$4000.00} which equal the {$5700.00} posted on the XXXX Account History sheet. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CIBC BANCORP USA INC.
State: TN

Complaint narrative:
On XX/XX/2018 CIBC USA, XXXX XXXX, IL called me to notify me that my 2 corporate accounts were being closed because of an incoming wire the day ( {$3000.00} ) before from a U.S.-based cryptocurrency exchange, Coinbase. They said that they don't allow transactions with cryptocurrency exchanges and that for that reason they needed to close the accounts. There was no discussion, just a 60 second phone call that we were done with their bank and that they were sending a check overnight. This has created a problem for us because we can not deposit the check and we need the money. It can take weeks to open this kind of account and we needed the money now, not one month from now. This was incredibly disruptive to my business and it would seem unjust to me given all the facts and circumstances. Can you help in some way?

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 2018-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I paid off the lease in full on XX/XX/2018 and was advised that I should receive the the title in 4-6 weeks. I contacted the company on XX/XX/2018 to inquire about the title and they said I should have received it no later than XX/XX/2018 and if I had any additional questions to contact the title department. Every time I try to contact the title department there is an extended hold and I am told to call back. I have NEVER been able to speak to the title department and still have not received my title. I did not receive my title and waited an additional week prior to calling again. On XX/XX/2018, I contacted XXXX again and was advised that I needed to call back because they could not get through to the title department. I requested to speak to a supervisor and was placed on hold for 25 minutes and still did not get any additional information. I want my title!

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 2018-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: CO

Complaint narrative:
Reverse Mortgage Solutions ( RMS ), XXXX TX/XXXX   NC Re : Hail damaged roof ( Colorado ) My reverse mortgage is handled by RMS. My homeowners insurance paid immediately for the replacement of my hail damaged roof. However, RMS cashed and withheld the insurance funds for 2 1/2 months and required a boatload of documentation, making it impossible for me to pay my roofers upon completion for the roof replacement, which was completed promptly in XX/XX/XXXX. I didn't receive final reimbursement for my insurance payout monies from RMS until XX/XX/XXXX, at which time RMS deducted {$170.00} from my insurance payout to cover their own inspection charge. My roof had already been inspected and approved by the City, but RMS would not release my already paid insurance funds until they double dipped me {$170.00} for their own inspection. 

When looking online, I was horrified to find many senior citizens have been delayed or denied reimbursement from RMS for their homeowner damages. I don't understand how this can be legal for a reverse mortgage company to cash and withhold legitimate insurance company payouts on senior citizens ' homes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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:
On a Consumer Credit Report from Equifax dated XX/XX/XXXX is a tradeline furnished by XXXX XXXX with a date of last activity XX/XX/XXXX and a status of pays as agreed. 

Equifax told me in XX/XX/XXXX that paid as agreed tradelines with a date of last activity older than 10 years would be deleted from my file. 

XXXX XXXX has never appeared as a furnisher in Equifax Consumer Credit ReportXXXX that I have received from it in the past. 

I have no record of ever getting a loan from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
I reached out to XXXX XXXX XXXX certified mail requesting them to send me proof that the debt belongs to me. They received my letter XX/XX/18. I have not received a response from them and the debt is still listed on my XXXX  and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: United Student Aid (USA) Funds
State: OH

Complaint narrative:
My loan was transferred to USA Funds in XXXX from XXXX. on XX/XX/XXXX, USA Funds reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: FL

Complaint narrative:
During the past 2 years I have applied for one and only one credit card with XXXX XXXX. Despite disputing the other unauthorized inquiries they remain on my report. The unauthorized inquiries include XXXX XXXX XXXX dated XX/XX/XXXX. XXXX CA dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX auto dated XX/XX/XXXX. I never authorized the latter 4 inquiries at any time. The most offensive to me is XXXX XXXX XXXX whose offer I declined yet a hard inquiry survives their declined sales pitch. Also XXXX XXXX who I investigated and discovered is a Maryland based Car dealer. I live in Florida and have ever had a car loan in my life nor inquired about one ever .If my SS # was ever used to buy a car in Md. that is identity theft, never, mind their location in Maryland. XXXX Assured me they would remove this, but never have. I have not even been in the state of Maryland in over 5 years and certainly never car shopped there.

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 2018-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a checking account to fulfill the requirements for an advertised {$200.00} bonus. I've included a snapshot of the bonus advertisement. I received a {$350.00} direct deposit, fulfilling the bonus requirements, and have been waiting for the bonus to post. I haven't heard back from a message I sent XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19 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: AL

Complaint narrative:
Equifax has a Bankruptcy showing in my credit report that IS NOT MINE, I have never filed for bankruptcy, and there is not a clear cut way to protest this record for me so far, also the record shows false information reported by XXXX, i have never filed bankruptcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient raised my monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I paid off mortgage onXX/XX/2017, They had 90 days to return title and deed, I've called Bank of America three times. 
No can tell me when my will be returned document 's. They have had 120 days and counting.

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 2018-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX Date XX/XX/18 Experian stated that XXXX XXXX XXXX XXXX is a mail drop or delivery service etc. 
Experian also states it as a non residential Address and perceived as a high risk. 

Experian has error after error and did not justify or provide any proof of this not being an address. 
I have provided proof from XXXX web site as insurance policy I had on my car insurance stating this address as well. 

Experian has the habit of just making up words on complaints with no proof or documentation. 

XXXX at XXXX XXXX XXXX XXXX Nevada XXXX XXXX office # 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 non-monetary relief
Consumer complaint received 2018-03-19 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: Westlake Services, LLC
State: FL

Complaint narrative:
West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19 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: NY

Complaint narrative:
Each credit bureaus are showing different Details on the accounts. There are multiple accounts showing different by each bureau and i sent in a credit report with the highlighted differences and still there was no change i had disputed this accounts multiple times and still no change what is up with you guys it fells like i have to run around every single time over and over and over and i get no ware with you guys.

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 2018-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX calls repeatedly on my work telephone line from various numbers starting last week ( XX/XX/2018 ). They threaten that an attorney in my area is looking at my file and take legal action. However, the debt they claim never existed and has never been on my credit report. They harass me at work multiple times a day, on a business line, even though I have told them the debt is false and is not on my credit report.

Company response to consumer: Closed with explanation