vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Due to a clerical error on the part of Specialized Loan Servicing, LLC, my ACH payments were shut off and two months ( XX/XX/XXXX/XX/XX/XXXX ) of mortgage payments were not made and I was not notified until XX/XX/2021. When I received the Notice of Foreclosure I paid all monies owed ( including late fees ) to bring my account current. In speaking with Supervisor XXXX, he acknowledged that the Customer Service rep I spoke with in XXXX should have told me that the ACH payments would be suspended but the recording shows he did not. Since XXXX, I have been requesting the repayment of the late fees since this was a bank mistake. I have a letter that states that the company contacted the credit bureaus stating that this was their accounting mistake ( attached ). Not only are they refusing to reimburse the late fees, they say that because I made 2 late payments ( which I did not ) I am not allowed to request reimbursement. In XXXX, I made a partial payment based on a third late payment fee that I did not have to make ( I spoke with a company representative who said that the third late payment would be added to the smaller XXXX payment I sent in and I would be current for XXXX ). They put my check in a suspense account instead and said I did not make an XXXX payment. I was denied credit due to this mix up and the resulting impact to my credit report. 

I have attached a complete listing of who I talked with, dates and what was discussed at each call. I have repeatedly asked to speak to a Manager/Supervisor and have been told I can not due to company policy. 

I would like a full reimbursement of any and all late payments paid on this account ( I have never been late with a payment until this occurred ), and another letter sent out to the Credit Agencies with a copy to me due to the mishandling of the XXXX payment.

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 2021-08-05 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: PNC Bank N.A.
State: IL

Complaint narrative:
There is a 30 day late payment reported on my XXXX and XXXX report and a 60 day on my XXXX. I believe this report is in error. I have reached out to Disputes PO box provided by PNC bank on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.

Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hour
s, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then transferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and " we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: FL

Complaint narrative:
I sent letters to the bureaus on XX/XX/21 & XX/XX/21 I have heard no response to my letters. I will attach what I have sent. I'm aware that under the 602 [ 15 U.S.C. 1681 ] they are in direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
Experian is willfully & recklessly reporting false information. 
They are continuously reporting errors and failing to investigate or correct the errors. 
I ask that they re-investigate the last delinquent date on my account ending in NY CHILD Support NFC ( XXXX ) Upon close review of the documents, I provided they can see that its been over 7+year ago However, they refused -Instead they chose to re-age my account, and is now reporting that my account was late and my last delinquent dates is now XX/XX/2019 Its unfair how this Consumer reporting agencies ( Experian ) has the right to Violate my rights and report outdated negative informations And to make matter worse, they re-age my account. To reflect my last delinquent date to be XX/XX/2019. 
In most cases, the ( FCRA ) clearly states that a consumer reporting agency may not report negative information that is more than seven years old. I clearly meet that requirement of the 7years. I also truly believe that there was no investigation and If so how did you reach this conclusion to re age my account.
Last, but not lease, how do they closed account and it become late after its been closed? I can see account being open then being late -But account that was closed for 3 years and sent to collections being late after its been closed sound like Truly unfair practices if you ask 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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
In XX/XX/2021 I sent my yearly fee for a safe deposit box to US Bank. The check was not clearing through my account so I thought it had gotten lost in the mail, I sent another check. Both checks cleared through my account on XX/XX/2021. 

I applied for a refund as I had double paid. Even though I provided images of the checks demonstrating both check had been processed by US Bank they denied more than one check had been processed. I was dumbfounded, I stated a cancelled check is the XXXX XXXX that an amount has been paid. They insisted that if their records didn't show a double payment no other evidence mattered not even proof they had processed the check. Eventually they said I had to challenge the check with my own bank and the banks would get together and find out where the money went. 

US Bank didn't even know which check I had gotten credit for, with the help of my local bank we made a guess as to which check to challenge. 

After much go around with my bank nothing of use has happened. No head to head contact has occurred between the banks as far as I can tell and my bank is telling me I have to resolve this with the " vendor ''. 

Note : both checks have been deducted from my local account. 

The banking system has disappeared my money and US Bank isn't even a little bit disturbed that that can happen.

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 2021-08-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello I am XXXX XXXX submitting documentation in regards to my complaint with experian. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with Experian & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.

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 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having a hard time receiving a report from Experian. I have accounts open that report to Experian so I'm unsure as to why they are not reporting any accounts. They need to provide a score for me, I am in the process of trying to buy a home.

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 2021-08-05 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: PA

Complaint narrative:
I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against 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 2021-08-05 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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
A XXXX  in the XXXX  tried to open an account at Navy Federal Credit Union on XX/XX/XXXX using my identity along withba cell number not even mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX @ XXXX, received a phone call from XXXX XXXXXXXX XXXX to discus a debt for XXXX account number ending in XXXX, phone number XXXX. 

I was told that the date of charge off was XX/XX/XXXX and they are going to pursue legal action. 

Then, I received a letter from Convergent looking to settle the account, see attached. 

Today, I received a call from XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, regarding the same XXXX account XXXX. I was also told that the date of charge off was XX/XX/XXXX and that they will be pursuing legal action, case number XXXX. I was told that they have attempted to serve me multiple times at my home address. To this date, nothing has been received other than the attached letter from Convergent.

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 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I was notified by a mortgage lender that I owed {$50.00} in a medical debt that had been turned over to collection First Financial Asset Management ( XXXX ). I had received neither any bills nor any phone calls from either the original creditor or the collection agency. They had sent to a prior address where I had not lived for four years and I had given them the correct address when being checked into the emergency room in XX/XX/XXXX. They also had my correct phone number on file. Over several days, I tried repeatedly to obtain the information regarding the debt from the original creditor, XXXX XXXX. After many conversations with XXXX XXXX, Ms. XXXX XXXX with XXXX XXXX ( XXXX ) indicated that she would authorize the collection agency to remove the debt from my credit if I paid the {$50.00} to the collection agency. On XX/XX/XXXX, I spoke to Ms. XXXX XXXX  with First Financial Asset Management and Mr. XXXX XXXX with First Financial Asset Management. They indicated that if I paid the debt, the collection would be removed from my credit report. I paid the {$50.00} immediately. I was asked to send an email to Ms. XXXX ( she gave me her email address ) and she would send me the XXXX control number to confirm the removal had been sent to the credit bureaus. I did not receive that information and followed up today to obtain the evidence the information had been removed from my credit report. I received a return call from Ms. XXXX XXXX  that she was wrong and the information could not be removed from my credit report. I asked to speak to her supervisor. She indicated her supervisor, Ms. XXXX XXXX, was on a conference call and I could leave a message. The practices of this company are deceptive and this information should be removed from my credit report. 

Following is evidence of the email sent last week : Acct # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 7 days ago ) to XXXX, me Good afternoon Ms. XXXX- Per our conversation earlier today, I have paid the {$50.00} owed to FFAM for a XXXX XXXX medical bill and that collection account will be deleted from my credit reports. 

Please forward the XXXX  control number ( evidencing deletion of the collection ) at your earliest opportunity. 

Thank you for your assistance in this matter. I really appreciate your professionalism and willingness to work with me to resolve.

Kind regards, XXXX 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 2021-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was scammed into thinking I was paying for equipment and software as well as a supervisor to teach me. I sent money via XXXX connected to my Bank of America. These are the dates and amounts XXXX {$270.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$900.00}, XXXX {$300.00}, XXXX - {$200.00}, XXXX - {$100.00}, XXXX {$390.00} My bank is unable to return this money because once it is sent it is immediately funded to their account. The money was sent to XXXX, XXXX, XXXX, and XXXX. You will see those names in the attached files.

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 2021-08-05 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: FL

Complaint narrative:
I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete 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 2021-08-05 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: FL

Complaint narrative:
I have attached an account that reporting to all three of my credit bureaus incorrectly and not accurately, per the FCRA they should be reporting accurately to all three bureaus if they all come from the same creditor. PLease delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: PA

Complaint narrative:
Hello I am XXXX XXXX submitting documentation in regards to my complaint with XXXX. Attatched is my ID and Social security card to show proof, below is my original complaint. I originally had a dispute with XXXX  & XXXX. I've been a victim of Identity Theft, currently this situation is making it extremely hard for me to obtain credit and qualify for a mortgage.

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 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
report paid in full i file a disputed on XXXX  credit rental data also they said they can not update my report even whit the paid in full letter call later to the debt collectors and they said they only can do a letter for me thats all they cant do anything about it still show in my credit report in rental area

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I'm and writing this just after talking with Goldman Sacs about my apple card. ( Date XX/XX/2021 ). 

So I was down in XXXX for a business trip back in XXXX. I used my apple wallet to pay for a few things totaling no more than {$140.00}. Every time I use my apple wallet it pulls from my apple cash first and then if I don't have any apple cash it will pull from my checking account ending in XXXX. 

Well this time it randomly decided to pull from my apple card instead of my apple pay. 

After making the purchases I never thought about them again! Especially because I have every single bank account on autopay ( not that it would matter for this account because it should of pulled from my checking ). 

Almost 2 months later I sign into my XXXX  account to track my credit score I saw I had 1 account ever late. I freaked out because I take my payment history and credit very seriously ( I have never in my life missed or came close to missing a payment ).

I never got 1 notification that I had a payment due or that I was even late. 

It's crazy because you can clearly see I have barely used the card besides a handful of transactions when I first got the card.

Company response to consumer: Closed with explanation