vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
I applied for 2 different mortgages from Cross Country Mortgage in XXXX of 2020. One for my primary residence and the other for my vacation home. The process was slow and arduous for both, but finally I closed on XX/XX/2020 on my primary home. As of XX/XX/2020 I still had not received a close date for my vacation home. Since I'd received no communication from my loan originator, XXXX XXXX, for weeks, I started looking for alternatives and found another loan at a much lower interest rate and fees. I reached out to XXXX with this information and asked for the status on my loan and if he would meet the other mortgage brokers 's commercial terms. 3 weeks went by with no feedback. At that time, I reached back out and told XXXX that I wanted a refund of the upfront fees that I paid. {$1100.00} for an appraisal and an HOA doc fee. These fees were never indicated as requiring to be paid upfront in my original loan disclosure or discussions. This came weeks after my loan was in process. I paid these fees in good faith that the loan would close, but never did. I was told by XXXX that he would refund only {$170.00} of the total since they actually overcharged be for a {$750.00} appraisal that only cost them {$570.00}. I have closed many, many mortgages over the past 30 years. This is the first time I was requested to pay any upfront fees. In addition, this was the absolutely worst mortgage experience of my life. Cross Country Mortgage and XXXX XXXX specifically mismanaged this process from day 1. There were constant delays, hand offs to new people, confusion about the status. I view their practices as fraudulent and am requesting assistance in getting my upfront fees reimbursed. By the way, the new loan I applied for on XXXX XXXX will be cleared to close by tomorrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: Oliver Adjustment Co.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : I sent a lettter to XXXX  of XXXX XXXX, XXXX you said you verified the accounts : 1 ) XXXX ( XXXX XXXX ) XXXX ) XXXX  ( XXXX. OF XXXX XXXX XXXX This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my name to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified letters ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-10-07 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been trying to resolve a credit card issue with Fifth Thirds Bank since around XXXX, when someone fraudulently charged my credit card from XXXX  ( I live in XXXX XXXX XXXX Since then, they have stood behind a nebulous and archaic system of long hold times ( regularly over an hour ), phone transfers ( as many as four times before I can speak to anyone ), and claim denial - I initially had filed my claim as an incorrect amount because I had ( coincidentally ) bought something from the vendor who had charged me. The company listed the dispute as denied without ever looking at the name associated with the charge. I was asked to e-mail new information about the case to their disputes e-mail, which is apparently unused. They could not find my e-mail ( I've called twice about JUST THIS particular phase of my claim and been promised that I would receive a call back, but nothing was done ) despite my having followed the instructions for e-mailing a document. TODAY, I was told that I shouldn't use e-mail ( why do they HAVE an e-mail address then? ) Because I initially filed my claim as an incorrect purchase amount, the company has closed the chargeback claim and ignored everything that I have sent to them about this. At this point, the {$99.00} charge has cost me so much in time that it has turned into working for less than minimum wage to get it back. They have repeatedly promised to have investigators call me back and never did. They insist on things being faxed and " snail-mailed '' to them in a way that is clearly designed to insulate anyone who can make decisions on chargebacks to make it difficult for claimants to get their money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have resolved an auto loan with XXXX for XXXX XXXX XXXX The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have resolved an auto loan with XXXX for XXXX  XXXX XXXX. The account had a derogatory status and still shows balance owed XXXX have sent me a letter acknowledging that account was resolved and that credit report would be updated to reflect this. At this time, almost 3 months later account remains with derogatory status and showing a balance that has been resolved.

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 2020-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pintor Partners, LP
State: TX

Complaint narrative:
Yesterday I made a transfer XXXX dollars to XXXX account in BARRI FINANCIAL GROUP ( XXXX, TX ) so the casher told me that the money will be available within 30 minutes but this money already doesnt available in the XXXX account. 

I try to call at customer services but they ( barri financial ) told me that the money was send yestarday but isnt true. 

the transaction number is XXXX and XXXX.- XXXX I sent this money to XXXX XXXX XXXX XXXX at XXXX account XXXX XXXX XXXX  XXXX 

can you help me please? 

regards! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
In the year XXXX, I went to XXXX XXXX to purchase a living room set for my father. After a month of not receiving my furniture, I canceled the order. They gave me a verbal confirmation that the order was voided. I received the Credit Card ( Synchrony ) in the mail - never activated it. One year goes by and I get a collection letter in the mail that I am in collections for this furniture. Long story short. The furniture store offered me a check to go pick up to pay off the collection debt. I choose to file a dispute instead with XXXX. XXXX  has now removed the inquiry off of my credit report but my credit is still low.

today, I was notified by a mortgage lending company that Synchrony is still hitting my credit. The last inquiry was XX/XX/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 monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 a collection account appeared on my credit reports from I C SYSTEMS COLLECTIONS for a supposed debt of {$600.00} to XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection 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 2020-10-07 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: AZ

Complaint narrative:
I have a problem with my credit report, and I submit a complaint with the credit bureaus such as XXXX, Equifax and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: PA

Complaint narrative:
In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. 


When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. 


I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. 


This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. 


I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, XXXX, Equifax. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus

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 2020-10-07 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: TN

Complaint narrative:
I sent my initial dispute request to TransUnion on XX/XX/2019 via certified mail. I disputed items and there are still errors on my report. Example : TransUnion continues to report an account with an invalid address that doesn't belong to me. XXXX XXXX XXXX XXXX # XXXX. Also I've won an Identity Theft case regarding XXXX XXXX and I've provided proof but TransUnion is still reporting it. I've attached the court dismissal. Both XXXX and XXXX  have deleted XXXX account. Further, I've notified TransUnion of my Identity Theft by providing a Federal Trade Commission Identity Theft report and a copy of my Police Report as instructed under Section 605 of the FCRA yet TransUnion still continued to ignore my information. TransUnion did not comply with Section 605 of the Fair Credit Reporting Act and did not " block '' or " delete '' the items. The following accounts should be deleted immediately : XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  and XXXX. Department of Education, and US Department of EducationXXXX XXXX. I have certified mail receipts of over 5 Letters I have mailed to TransUnion to correct the errors on my credit file. Please make sure they adhere.

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 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I opened an account with One Main Financial several years ago, One main merged with other companies transferred their account several times. One Main, opened serveral accounts in my name but failed to transfer auto draft after serveral disrupts One main  close all account except one but refuse to remove all the late and deliquent reports on my credit. My current open account number # XXXX, I have contact One Main several times and no one was able to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TX

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2020-10-07 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: TX

Complaint narrative:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
I want a complete accounting of a 2004 mortgage that isnt counting 1 ) XXXX paid to XXXX. I owed XXXX to XXXX.XXXX  an {$8200.00} line of credit. 2 ) PAYMENTS we have made $ XXXX to this loan. 
XXXX mortgages. 
{$440000.00} XXXX escrow This is XXXX interest.over 16 years although We have reported {$130000.00} interest. 
Where is the other {$240000.00}?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Toyota Financial services is report on my that I have had 3 late payments. My account was set on auto payment but for some reason it was cancelled in XXXX. Toyota is unable to tell me why and I was informed that they did not receive payment for 2 months. NO letter in the mail or email. Also this is a Business vehicle title in the business and I want it removed off of my personal. Toyota will not help and it is messing our process of purchasing our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEAD MERCANTILE CO., INC.
State: FL

Complaint narrative:
This collection company has violated a lot of serious laws. They have admitted that they did not have my correct address in the previous complaint which was an inaccuracy and per FCRA section 609 any inaccurate information must be deleted. They continued to violated FCRA, they have sent me my medical bills without showing VALIDATION instead they sent verification. They also sent my medical information through email unsecured and sending my health information which is a HIPAA violation. I have contacted my state attorney and they have advised me to work this out with the company before they step into legal action. I will give them another chance to delete their negative reporting and send it back to the original creditor because I have never gotten a notice to validate before they put this negative reporting on my credit and it is affecting me in getting credit. I will proceed with a Hipaa complaint through HHS if it is not resolved, the original creditor never got a signature to release my personal health information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hey, My name is XXXX XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

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 2020-10-07 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: AZ

Complaint narrative:
I have a problem with my credit report, and I submit a complaint with the credit bureaus such as Transunion, XXXX and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.

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