vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Tiptree Financial Inc.
State: TN

Complaint narrative:
Deadlines were missed due to this mortgage company and XXXX due to major inefficiency and inability to hit KNOWN deadlines. This caused me to have to pay 1 % of purchase price of loan twice to the builder in XX/XX/2021 and XX/XX/2021 for missing close dates. For each month the deadline was the last day of the month. Neither deadline was met by the mortgage company or lender. We were asked for documents that the underwriter needed and in each instance documents were sent back within hours. I finally received clear to close documents 42 days after my deadline. The builder cancelled the contract. The cost of each month was {$8600.00}, so that total is {$17000.00}. The house has gone up in value approximately {$70000.00} based on the purchase price and the appraisal. The builder actually put the house on the market for XXXX. Not to mention the thousands of dollars I have spent on XXXX XXXX  and hotels waiting for these documents. We would like to reimbursed XXXX ( cost to push closing twice ), {$70000.00} ( equity we lost in the house ), {$150000.00} ( lost equity ) our cost for hotels and XXXX  for XXXX, XXXX and XXXX ( {$16000.00} ) and I don't even know how to figure a cost for the pain of suffering of having to move my family from place to place because we were given dates things would be ready for TWO months. If you add up these totals, it's XXXX we are asking for reimbursement including {$50000.00} for pain and suffering. This is an errors and omissions type of claim. Totals XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: PA

Complaint narrative:
XX/XX/XXXX XXXX .... I have no long term dept.. I do have a few credit cards that I have always paid off monthly... There are no interest bearing balances and there have not been any for years .. My credit score for years has always been over 800 ... Now, this year, my credit score is constantly being lowered and is now XXXX for no reason... Transunion does not allow me to pay off any monthly credit card balance before lowering my score each month.. When I complained to Transunion they said that is their rules and every time I call they will lower my score 2 points which they did.. I believe they are discriminating against me due to my age ( 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 explanation
Consumer complaint received 2021-10-18 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
COMPANY FAILED TO RESPOND AND IS CURRENTLY IN DEFAULT AFTER BEING PUT ON NOTICE Consumer did not respond to AFFIDAVIT AND DECLARATION OF NEGATIVE AVERMENT and MEMORANDUM IN SUPPORT OF PRIVATE ADMISTRATIVE PROCESS AKA ; CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM ( CAFV ) with NOTICE OF ADMISTRATIVE REMEDY POINTS AND AUTHORITIES. Non-negotiable Private between the parties AND SILENCE IS ACQUIESCENCE NOTICE. 

On XX/XX/2020, Consumer sent XXXX XXXX, XXXXuthorized Agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CONDITIONAL ACCEPTANCE FOR VALUE ( CAFV ) PRIVATE INDEPENDENT ADMISTRATIVE PROCESS along with Proof of Claims, CAVEAT, NOTICE : ARTICLE VI U.S. CONSTITUTION, Certificate of Mailing under 37 CFR 1.8. with no response. 

On XX/XX/2020 a Notice of Fault and Opportunity to Cure and Contest Acceptance was sent with no response. 

On XX/XX/2020, a NOTICE OF DEFAULT AND RES JUDICATA was sent with no response. 

An invoice fee and notice of fee schedule and Final True Bill of Accounting was also sent with Copyright, trademark, trade name violation : 1. Usage of XXXX, XXXX or XXXX XXXX, XXXX, XXXX including all derivatives, spellings, and upper-case lower-case combinations and renderings of the trademark and trade name without express written consent {>= $1,000,000} Acceptance of Presentments ( without contract ) 2. Unauthorized Citations {$10000.00} 3. Warnings Issued on Paper {$10000.00} 4. Mental Anguish {$10000.00} 5. Trespassing {$25000.00} 6. Summons, Court Notices ( without contract ) {$10000.00} 7. All other related items, fees, or offers {$10000.00} 8. Punitive Damages {$10000.00} Depositions, Interrogation ( unsolicited ) 9. Name {$10000.00} 10. Drivers License Number {$10000.00} 11. Social Security Number {$50000.00} Obstruction of Travel, Property Search, Trespass, Theft, Carjacking, Interference with Commerce 12. Taking/Theft/Deprivation of Property {$10000.00} per day ( as of XX/XX/2020 ) Signature, Endorsement, Autograph ( SEA ) 13. Autograph under threat, duress, or coercion {>= $1,000,000} Company is in violation of many FCRA violations and continues to reported incorrect and outdated information.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-18 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: NY

Complaint narrative:
I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from XXXX, XXXX, or transunion about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!

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 2021-10-18 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: NY

Complaint narrative:
I have been disputing the inaccurate information reporting in my credit reports for the better part of the last 2 years. Over the last 2 years I have yet to receive one letter from Experian, XXXX, or XXXX  about the results. According to the FCRA, the credit bureaus are obligated to respond to all of my dispute requests but, they have been ignoring me!!!! This is a violation of the law. I want the credit bureaus fined for this fraud and the removal of the incorrect information from my credit reports!!!!!!!

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 2021-10-18 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 have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted 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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
A conventional loan was started on my single family home in XX/XX/XXXX with XXXX XXXX. All payments were made to XXXX XXXX  on time. The loan was sold to Bank of America within a few months and this is where the problems began. After several modifications due to possible home loss, it was financially difficult to keep up with my loan. Although I was behind on several payments during the loan process, I continued to work with the bank and kept up with the loan payments as best I could. In XX/XX/XXXX, my loan was sold to a loan servicing company called XXXX XXXX  XXXX. I continued to ask Bank of America, who was the company and why was my loan sold but they replied, you must talk to XXXX because your loan is no longer with us. I received the new paperwork in the mail but no one could explain the paperwork to my satisfaction. I continued to make payments to XXXX and I'm pleased to say I haven't missed a payment and I'm up to date. Throughout the long fourteen years of making payments close to {$1000.00} per month, one would think I would've paid at least half my home off. Instead, I'm left with owing {$150000.00} on a {$170000.00} original payment. So can you help me by contacting each lender and explain how my money was spent and ask them ( XXXX XXXX, Bank of America and XXXX XXXX  XXXX ) to send my refund 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 2021-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
Hello, My loan is a XXXX loan. Because of the pandemic, I was under the impression that the payments were halted till XX/XX/2022. The company claims that they are not federal loans, but they are not private! The loan is issued through my school. 

I've made payments ( though not all ), but the company recently sent my debt to collections with almost no warning. I have called both the company and the debt collection company, and they gave me a phone number to my school that was disconnected. I simply want to make my account right and get things on a payment plan ( it is utterly insane that ANYTHING is due IN A GLOBAL PANDEMIC, but I digress, as we live in a country that puts profits over people ). 

How is a student loan companyFOR A FEDERAL XXXX LOANaloud to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Good afternoon sir or Madam, I have received noticed from XXXX that my credit file has been up-dated. 
today I checked and I had found XXXX delinquent accounts which i dont recognize as mine. 
I have had no agreement with them and have had no communications with them They are : CREDENCE RESOURCE MANAGE CREDIT MANAGEMENT, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
Up to a few months ago, I had an XXXX credit card with XXXX XXXX for many years. I always paid my XXXX card balance with a XXXX checking account transfer. I was then notified by XXXX that XXXX was transferring its credit card business to Barclays bank. I did not want to open a Barclays bank account so I disregarded notifications to do so. 
I no longer had access to any of my XXXX XXXX credit card statements, nor any credit card history. It was wiped from my XXXX account. 
Because I did not have a Barclays account, I had no access to my XXXX credit card statements at Barclays. 
I received a letter from Barclays bank today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a Barclays account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee for a statement that I have had no access to.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think XXXX  misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and XXXX had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach XXXX XXXX  to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on one of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is in response to the lack of transparency regarding an unverifiable account placed on my credit file. XX/XX/XXXX I requested through a certified letter to Equifax that they send me verification of their claim that an account placed on my file had been verified. 
Since my initial request in XXXX, Equifax has done nothing but send me generic claims of their so-called investigation. With no proof that the account is valid. 
The trade line in question was investigated and removed by XXXX and XXXX more than six months ago. But somehow, Equifax is always lagging in their responses. Their incompetence and dishonesty destroy lives. And they do not belong in the credit reporting business. 
In accordance with consumer rights and protection laws, a consumer reporting agency XXXX not report any credit information that is not the best evidence reasonably available. And the consumer has the right to request a description and procedure used to determine the accuracy and completeness of the information gathered. By stalling and failing to properly respond to my requests, they have violated my rights. The XXXX XXXX XXXX with the retail value of {$14.00} was repossessed by the original lender around XXXX of XXXX, and was resold at an auction. The original lender was unable to provide me with a letter of deciciency upon my telephone request. 
The account was bought by XXXX, XXXX and placed on my credit file XX/XX/XXXX in the amount of {$17.00}, XXXX. 
I believe XXXX, XXXX which has had numerous complaints with the XXXX XXXX XXXX for unethical violations is misrepresenting the amount of this debt. And this credit reporting agency is enabling them by not taking the reasonable steps to conduct a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation