vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 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: NY

Complaint narrative:
I tried to contact Transunion today, Tuesday XX/XX/XXXX. I spoke to two representative that would not assist in identifying the incorrect inquiry information that has been on my report since 2019 until the present. The representatives were not helpful and reluctant to forward me to a supervisor that may be more capable of assisting. 

My Business account was compromised and they would not assist. 

The inquiries are incorrect on my report and they failed to assist.

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 2021-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I spoke to an agent XX/XX/XXXX to resolve collection account. I agreed to pay {$3900.00} in order to remove the trade line since this was the only account damaging my credit worthiness. My account was never updated until recently after a dispute but it only updated reflecting paid less than owed amount. The settlement agreement was to remove the trade line. I have a recording of the conversation on XX/XX/XXXX and want for them to pull that call and honor the agreement as and act of good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
TIAA Bank in XXXX Florida has both of my home mortgages and I am in the process of selling 1 home. We close on the home in 8 days. I was never notified that TIAA Bank sold my mortgage to XXXX XXXX XXXX in XXXX XXXX, VA. I needed to obtain a payoff statement and make sure the last payment via direct deposit was received so we have accurate payoff amounts at closing. I was informed that TIAA bank at that time of my call was in the process of selling my loan and that I would have a new loan number with XXXX XXXX XXXX. I was unable to access my accounts through TIAA Bank as they said XXXX XXXX was now managing it, then I called XXXX XXXX XXXX and they told me that they we are in a " black out '' period and they have no information on my Loan that I should wait and see next week. Next week we are closing. I have escrow payments and history of payments that I can not access at either banks. This is not a seamless transition and I have no way of getting my loan, payment, insurance, property tax information and have no where to get this information. This is causing great stress and concern of where my money is and who is monitoring this and how can I get access to my loan information before we close in a matter of days. XXXX XXXX XXXX is no help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
I have attempted to contact this company multiple times regarding a debt that they are reporting to my credit. I have not even the slightest clue what the debt is and when I request validation, they just send me a print out of some bill that does not even describe the debt. Honestly, how many people can just say you owe something, don't provide proof, and expect you to pay. How are they doing this and to how many people thus far. The very last time, they sent me a letter in the mail attached stating that my claim was frivolous and they refuse to investigate any further. They did not provide me with anything I requested and simply stated that they sent verification and validation to the credit bureaus. If they refuse the investigate, they should not be allowed to continue reporting this harmful information to my credit reports. The received communication from them XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We have our mortgage through Penny Mac USA. Our property taxes have still not been paid from the escrow account that should have been paid in XXXX of XXXX. I received a property tax statement in XXXX of XXXX, and then again received another tax statement in XXXX of XXXX. The receipt of the 2nd statement prompted me to call the mortgage company because it appeared the property taxes had not been paid. I was told then that it appeared they had not paid our property taxes are required in XXXX. I asked why this occurred and was told they did not know and could not figure out why. I was told then ( two weeks ago ) that it would be paid. I logged into our mortgage account on XX/XX/XXXX and it appeared that no funds had been dispersed from the escrow account. I spent over an hour on the phone today ( XXXX ) to find out that the property taxes are still unpaid. Now there is a tax penalty of {$410.00} that must be paid. Penny Mac stated that I should not worry because they will pay any late fees, but I do not trust at this point that they will not take that late fee out of my escrow account. In the meantime they have continued to accrue interest from my escrow funds and make money from my wrongfully withheld tax payment. I was told on the phone today that they could not tell me when the taxes would be paid. They also stated that they needed additional information because the taxes had not been verified! Then how have I received two tax statements? They would not admit it, but I believe they did not properly keep their own records as I was asked to upload my property tax statement to their website. I need help getting this resolved and I hope there is a mechanism in place to fine this company for their improper actions and their breach of fiduciary duty to properly manage our escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Submitted a fraud case to Simple Bank ( bank ) and XXXX ( where charges occurred ) XX/XX/XXXX. XXXX asks me for details from Simple XX/XX/XXXX. XXXX denies fraud because the amount was consistent with my spending pattern on XXXX. This is completely false. I rarely used XXXX mostly for transactions less than {$25.00}. The charges I disputed were over {$3000.00}. In XX/XX/XXXX Simple decides one of two Charges for me in favor, one not in favor. Surprising because the issues were the same for each claim. As a result a provisional credit became a credit and one was taken back and the charge Stood. I asked for copies of the determination and evidence reviews in XX/XX/XXXX. This was and still has never been provided after a years worth of requests. They keep making excuses and Ive asked for management intervention which never happened. It is still outstanding as of the date of this request over one year now. 

I was contacted by a bill Collector for XXXX in XX/XX/XXXX. I never received any kind off notice from XXXX that there was an amount due. I did not respond to the collector and asked for information from Simple to determine why I was in collection and to address XXXX. Never received. Since then a new collector was assigned and a notice from XXXX was also sent about the balance. I asked XXXX for their information regarding the process of the fraud and resulting actions. They have refused to provide any information u til I speak to their Collections department. I will not contact their Collections Department without appropriate information. 

The last time I asked for the information from Simple was yesterday XX/XX/XXXX and I got some generic response that had nothing to do with anything. 

Please note I also contacted BBVA USA who I thought was the parent company of Simple. Twice I was told they have no responsibility for Simple Bank. 

Recently it was announced that Simple was sold to another bank. After that it was announced That BBVA USA was taking over the Simple accounts as the parent organization. I just received tax information for the Simple accounts done by BBVA USA which appears contrary to their denial of any relationship. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: FL

Complaint narrative:
XXXX XXXX had 2 fraud accounts on my name they removed one and left the other one they both need to be removed i never opened these accounts EVER

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 2021-02-02 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: VA

Complaint narrative:
I have mailed several disputes for a Chapter XXXX and a Chapter XXXX Bankruptcy to the following credit reporting agencies : TransUnion, XXXX and XXXX The first letter was sent to each CRA on XX/XX/XXXX, requesting the method of verification. TransUnion deleted the Chapter XXXX, but verified the XXXX XXXX as accurate. Both XXXX  and XXXX verified both as accurate. No one sent me the XXXX. On XX/XX/XXXX, I requested the XXXX once more, with the same verified response from all three agencies. On XX/XX/XXXX, XXXX sent me a letter stating that both public records were deleted from their record as unverifiable. XXXX is listed by each of the CRAs, on their websites, as being the furnisher of such information prior to XX/XX/XXXX. Which would cover what is being reported by all three CRAs. On XX/XX/XXXX, I mailed proof from XXXX XXXX and a request for deletion due to no response on the XXXX matter. I also requested that XXXX/ XXXX XXXX be removed, as it is reported as attached to the Ch. XXXX. XXXX and XXXX  verified as accurate, while TransUnion never opened a dispute. On XX/XX/XXXX, TransUnion verified, by phone, that the letter was received ( the other disputes were open/closed in the letter ), but that item was not addressed. They would need to " open up a dispute '' to investigate, even though they received the original request. Or wait for it to drop off. I declined because I should not have to wait another 30 days, when they failed to investigate my request. This in particular makes me feel like nothing on my dispute letter was ever truly investigated.

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 2021-02-02 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: FL

Complaint narrative:
On XX/XX/2021 you claimed that you verified the account as accurate. Please provide the METHOD OF VERIFICATION used.

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 2021-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I have been in contact with the credit bureaus concerning an information that is being reporting to my reports. I asked for additional information such as documents with my signatures and have yet to receive any of my request. This is out right unfair and this should not be allowed to happen. I also have requested information from the creditors as well and all I am getting is silence. The last letters were sent on XX/XX/2020 ( certified ) and I have yet to receive a response. The credit bureaus are not in compliance and should be held accountable.

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 2021-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: OH

Complaint narrative:
Today, I received an unsolicited Cash App card in the mail. Based on internet research, the card appears to be a prepaid debit card. XXXX, XXXX XXXX appears to explain that they send these out by request WITHOUT a credit check. If they did a credit check, they would have found that I have a credit freeze on and opted out of credit card offers. 

This is esp. worrisome as someone fraudulently filed for unemployment using my information. 

The useless phone number given online to contact XXXX XXXX instructs you to listen to their online instructions. No live person can be reached on any branch of their " Customer Service Line '' ( XXXX ) The only way to get to customer service for this card is to activate the card and download their software to a phone. I don't want to activate the card and don't have a phone to download an app. I want the card shut down. 

Numerous scammers are now soliciting online to solve problems with Cash App because users can't interact with a customer service department. 

How is it legal that they can send out credit cards that can be attacked by scammers with no way for individuals to shut down the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices

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 2021-02-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices

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 2021-02-02 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: TX

Complaint narrative:
There is an account on my credit of the amount {$2000.00} that is duplicated. The original creditor XXXX XXXX XXXX XXXX is listed on there twice for the same debt of the exact same amount, reported from two different debt collection agencies. 
I am prepared to start paying off this debt, but refuse to pay until it is correctly reflected on my credit as one account. I disputed the accounts with Experian twice and gave information that it is a duplicate and it is very clear just from a quick glance that it is the same debt listed twice. 
Experian did nothing to remove it and said that it was fairly reported. 
It is listed like this in every credit agency.

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 2021-02-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have applied for a loan modification or loan deferment on my mortgage as my income has been impacted by COVID19 on XX/XX/XXXX with Select Portfolio Servicing Inc. 

They have requested documentation of which I have provided. I keep getting the run around from different customer service reps, asking for random documentations, bank statements utility bills, and tax returns. I have complied with all their requests. They continue to have me re-apply, direct me to their website, which locks me out. Taking me out of a program and switching to other loss mitigation programs. This has taken a toll on my XXXX 

Also, I was told that because I am in their forbearance program, I would not be reported late. Today, XX/XX/XXXX, I called to follow up, and now they tell me they need more information. I am currently going through a divorce. They asked me for a copy of my soon to be ex husbands profit and loss statement, which I provided in XXXX. They said that is all they needed. Now they are asking fo a divorce decree. Each month they always say that is all that is needed, but they keep dragging the process out month after month. This has taken a toll on my XXXX and now they said they are reporting me late. 

I have always furnished every document they have asked for in the last 7 months, and would like a resolution. Please please help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
BACK IN XXXX OF 2019 I REFINANCED MY HOME LOAN WITH XXXX BANK AND MY PREVIOUS HOME LOAN WITH FREEDOM MORTGAGE XXXX REPORTED A LATE PAYMENT FOR THAT MONTH OF XX/XX/2019 WHICH IS NOT CORRECT AND IT WAS BROUGHT TO MY ATTENTION BY MY XXXX XXXXXXXX THAT THIS IS AFFECTING MY CREDIT AND NEEDS 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 2021-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became Nationstar Mortgage. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XXXX of XXXX, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted XXXX in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.

Company response to consumer: Closed with explanation