vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: SC

Complaint narrative:
We applied for a VA mortgage through XXXX. They sold the loan shortly after closing ; however, we were not informed until after we submitted our first payment. This check was cashed by XXXX on XXXX XX/XX/2020. Upon being informed of our new mortgage company, Plaza Home Mortgage, I reached out to them on XXXX XXXX. 

Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX To : XXXX Subject : Previous Payment Confirmation Date : XX/XX/2020 XXXX AM XXXX Good Morning : I am reaching out to confirm our previous mortgage company provided you with a payment we made prior to us benign informed they had sold our mortgage to Plaza Home Mortgage. XXXX was atrocious to deal with and I have little faith that they will communicate with you all. I have attached a copy of the cleared check. If you can assist in ensuring this previous payment is credited to our account ( ending in ), I would greatly appreciate it. Please let me know if there is anything further you need to complete this process. Thank you in advance for your time. 

- XXXX They responded on XXXX XXXX : Dear XXXX, The account is current when we acquired the loan on XX/XX/2020. The next due date on the loan is on XX/XX/2020. If the payment you sent was for XX/XX/2020 due and mailed to your previous servicer, do not be concerned or stop payment on your check. We will work with XXXX XXXX XXXXXXXX XXXX to expedite the transfer of those funds to us. 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX or call Customer Care at ( XXXX ) XXXX during the following hours : Monday Friday XXXX XXXX ET XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The situation has yet to be resolved. I have attempted to contact the mortgage company two additional times since XXXX XXXX but our account still has not been credited with the first payment made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: FL

Complaint narrative:
I have answered questions, given personal information, explained I am at risk for Covid-19 and dealing closely with XXXX XXXX   such as XXXX XXXX at this time and do not want to be called. They questioned me about debt which was at least 12 years old. I have filed bankruptcy in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Harris and Harris Ltd has a collection account on my credit report. The number they have listed to contact them doesnt work. Theres no way for them to verify the acct at all. I disputed it with XXXX to see if they had a different means to contact the company. The dispute took less than 6 hours. Somehow XXXX verified the account but I have no way of verifying it or even settling the alleged debt. Heres the number they have listed that DOES NOT WORK and has not worked for over a week XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed multiple disputes with transunion XXXX  and XXXX  about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XXXX 2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii ) refusing to reasonably investigate and refusing to remove this unverified inaccurate and false information from my file.

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 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I disputed this account with XXXX and attached a police report and FTC report and showed this account was not mine and they still remove it. This account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is the second complaint because the first one was not resolved. I got a call from a rep apologizing for the delay. Of course they blamed covid. 

Anyway, this bad transaction happened in XXXX. Its now XXXX. It takes 4 months to investigate fraud? Yall owe me interest too if thats the case. I cant go weeks without paying a bill or a bank, but yall can do it? No. It is taking all my power not to go to a location and beat up an employee. Keep the money. I just want to fight at this point. 

What is there to even investigate? I ordered something. It didnt come. The merchant wont answer. Theres no record of delivery or shipping. 

What the XXXX is taking so long to get me my money? I used to be a federal XXXX. This sort of case shouldnt take more than a week to resolve. Either XXXX doesnt care or they too are committing fraud. 

I dont care. Stop pretending to care. Give me my money.

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 2020-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/8/20 I made a principal payment against my Heloc reducing the principal balance {$3200.00}. On the same day Bank of America reversed my payment and adding {$3200.00} back to my outstanding balance. I made this payment with good funds from my B of A checking account. 

B of A employees have indicated this is a systemic problem. Typical holds time to reach someone is usually an hour. This has been a recurring problem with B of A who seems unable to make the correct postings to my account. 

OnXX/XX/15/20 I spoke with B of A supervisor XXXX XXXX in NC at phone XXXX. She gave me 100 % assurance that this above problem would be resolved by XX/XX/XXXX. It is not. 

On XX/XX/16/20 I placed 2 calls to the number and no one answered.

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 2020-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Chrysalis Holdings LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I contacted NewDay USA to ask questions about a mortgage refinance. While discussing with the representative XXXX XXXX, he asked if he had permission to run my credit. I told him no, that at this point I was not ready to go forward with the application. We continued the conversation briefly and then the call was terminated. After roughly one minute of the call ending, I received notification from XXXX that a hard inquiry had been done by the mortgage broker for NewDay USA. I called back and spoke to XXXX again and he said that he did run my credit without permission and I would need to dispute it, or asked if I would like to hear the rates I qualified for. After speaking with XXXX, I asked for a supervisor at which point I was forwarded to XXXX XXXX. XXXX agreed that what was done was a clear and direct violation of the Fair Credit Reporting Act yet had no remedy for the impact on my credit. XXXX also explained that since people do not usually say no to having their credit ran, a lot of times the representatives just click yes and proceed ahead with the application prior to having the approval. These are serious implications if a lender that has designated themselves to be a trusted lender for veterans is actually violating the FCRA consistently. Both XXXX and XXXX tried to inform me of the rates I had qualified for with the illegal credit check instead of offering solutions to the inquiry that XXXX had done without authorization.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I made a purchase on XX/XX/24/20 through a company called XXXX XXXX. I purchased rose plants that were ultimately delivered on XX/XX/XXXX. The company has a 1 year guarantee on all plants, and the plants I received arrived dead. I contacted the company and they asked for documentation, pictures, etc, which I provided. The company denied my return claim. I opened a dispute with Apple Card ( through Goldman Sachs ) on XX/XX/XXXX, which was denied on XXXX because Goldman Sachs found that I made the purchase. That was never my dispute - I told Goldman Sachs that I made the purchase, my complaint was that the goods were delivered damaged. I reopened the claim on XXXX, and GS again denied the claim on XXXX because they found that the merchant had provided a credit ( the merchant had not ). I contacted GS and asked for proof that the merchant provided a credit because the credit did not appear on my credit card statement, and they declined to do so. They reopened the claim on XXXX and AGAIN denied it on XXXX. I contacted them on XXXX by phone and the customer service rep said that she was reopening the dispute for me, but it was never reopened. I contacted them again on XX/XX/XXXX and they are now saying that they can't reopen the dispute because it has been reopened too many times. This is due to their incompetence! I am being completely ignored and am being charged for damaged goods. I don't know where else to turn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: KS

Complaint narrative:
I filed a complaint on XXXX regarding funds that were removed from my account after the company had agreed to a {$45.00}, then a {$96.00} short term relief agreement. I then contacted the company after nearly {$500.00} had been removed from my account. I requested my payment which would have been due on XX/XX/2020 to be pushed back 2 weeks in order to allow me time to contact the company to settle the original matter, which they emailed me they would. I then cancelled my ACH debt agreement on XX/XX/2020 to allow me more control over the situation until the matter could be settled. I received an email from the company within hours of me stopping my ACH debt revocation stating they were going to refund me {$450.00}. They then sent me an email stating I immediately owed {$360.00} which was due on XX/XX/2020 that was presented to my bank and returned. I have contacted my bank and this is a lie. The aforementioned amount was never presented to my bank, in addition they had already agreed, which I have email proof, to delay the payment to XX/XX/2020. I am tired of being lied to continuously by this company. They now no longer have lending privileges in my state. I have already repaid this loan back double the amount I originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: CITIBANK, N.A.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
The company has a 90 day buyout that I start lease around XXXX of 2020 and the 90 days expired in the middle of covid 19 The purchase was XXXX and i paid a total of XXXX plus XXXX tax total of XXXX on XX/XX/2020 Because it wasnt paid off in the amount of XXXX within 90 days they are charging me double to have it paid off in one year But Georgia 's ocga XXXX states no loan shall charge any rate of Interest greater than 5 percent directly or indirectly Breaking down XXXX over one year is XXXX but they are saying I have to pay XXXX daily in there lease amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: FL

Complaint narrative:
TODAYS XXXX ATTENTION DISPUTE DEPARTMENT Revco Solutions Fka Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Revco Solutions Fka I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16 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: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a mortgage loan with Specialized Loan Servicing ( SLS ). I sent in a loan payoff in XX/XX/2020. SLS confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that SLS reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? SLS failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that SLS corrected it. I have excellent credit - over 800 credit score.

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 2020-09-16 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: MA

Complaint narrative:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth third bank committed fraud, I have filed a FTC identity theft report, this bank did the same as XXXX XXXX by opening accounts in my name with out my permission I called fifth third bank and I got talk to very badly and treated with unprofessionally, I was transferred constantly they is didnt want of hear about my issue, Ive already had to sue XXXX XXXX several times and succeeded with winning both cases, my identity has been used in the past, Ive had problems with identity theft, this bank is just that bad this account needs to be taking off XXXX  or Im filing a complaint with the attorney general here in ga

Company response to consumer: Closed with explanation