vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX Mortgage prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to XXXX  Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We completed our loan Forebearnce in XX/XX/XXXX and submitted our initial Loan Modification paperwork to XXXX in XX/XX/XXXX and were stalled with lagging, discriminatory tactics and have reported our account as delinquent although we made the 3 Trial Plan Payments which equated to the full Payment amount which we would be charged after the Loan Modification was completed in on purpose Lag time, as we had to contact the Veteran Administration Affairs on several occasions due to the retaliatory tactics utilized by  XXXX when our loan was transferred to them in XX/XX/XXXX while we were in Forebearance with XXXX. Loan Modification Paperwork was requested to be resubmitted in XX/XX/XXXX as well, although they initially submitted received our Loan Modification paperwork in XX/XX/XXXX, as I was previously informed by XXXX XXXX prior to transferring it to XXXX, that I should submit my Loan Modification 1mth prior to the end of the Forbearance Period, in which we completed.

Upon finally receiving an approval via phone on a recorded line, we were told to make our 3 trial Payments of {$4800.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and should have been reported to all 3 Credit Bureaus as timely payments. They were not late because they were paid on time and we should not be negatively impacted due to  XXXX Discrimination Tactics exhibited towards XXXX XXXX-XXXX  attempting to Refinance. XXXX strategically and systematically discriminated against us during the loan modification process to include the interest rate of 5 %! and subsequently the Trial Payment period which we completed on-time. Also, upon the completion of the Loan Modification approval, the account should  have also been updated as current starting in XXXX as well. These bait and switch tactics are illegal and should be investigated by SEC, FDIC, FTC and the Veterans Administration.

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 2020-10-24 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: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
RoundPoint Mortgage is Inaccurately showing no data on payments made on time all through the year of XXXX. We made our payments on time since we closed on our home on XX/XX/XXXX and data is available to reflect that we made our payments on time in XXXX. We did not request a Payment Plan until XXXX XXXX and this was paid on time as well. 

We are requesting that our payments be updated for XXXX, as they were timely made to RoundPoint 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 2020-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Funds from sale of our home were deposited into Marcus-Goldman Sachs ( hereby Marcus ) savings account in XXXX. It was indicated to Marcus that this will be used in the future to purchase a home in XXXX - hence the account is labeled as " XXXX Marcus ''. 

A first attempt to transfer funds ( {$120000.00} ) to a 'personal account ' at XXXX XXXX XXXX , listed in my name, was made XX/XX/XXXX. This was reversed by Marcus on XX/XX/XXXX. 

A 2 hour phone call was made ( long distance from XXXX ) on XX/XX/XXXX. I was told, after having given all the security information, as well as participate on a conference call to XXXX XXXX XXXX XXXX, that it would be 1-3 business days for these funds to be transferred. To date, XX/XX/XXXX, no funds have been transferred. 

Note, I asked why it would take this time since I had already linked the accounts. The last representative I spoke with indicated it was because I had asked to have the account closed after the transfer was made. 

My 2 hour phone call consisted of dropped calls, being transferred to at least 6 different employees, whereby I was made to repeat myself. I am now having to make plans to fly back to the states to make sure these funds are transferred. I have paid earnest money on a home in XXXX, that I will lose, if I can not come up with the remaining amount within the agreed upon timeframe. 

One last note, I am currently using a cell phone that works in XXXX. In wanting to keep my account updated, I had attempted to add an alternate number, but their software does not allow for a overseas/XXXX  phone number. 

I have statement photos of transactions, etc. as well as audio, of information noted above. 

With Respect, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: IN

Complaint narrative:
Most all information in this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hope I'm reporting to the right page it has to do with an inquiry my credit score was at XXXX I received pre-approved credit cards which I was told would not affect my credit in any way or go on my report I applied for the credit card but because my balance was almost to the max I didn't get approved and Capital One still went ahead and put to inquiries on me which now makes a total of 7 and that makes me look over extended

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Portfolio Recovery buys old debts especially ones that are past the 7 yr. Statue of limitations On the Fair credit reporting act. They are illegally misrepresenting the original opening date of a XXXX credit card from XXXX & reporting the date of when they purchased the debt In XXXX. I have disputed numerous times with a request for proof of original creditor giving Portfolio Recovery authorization to collect debt of account plus all info from original creditor with billing copies with no results. Ignored everytime. No contact by mail or emails or phone. dispute remarks never reflect issue. Just says consumer disagrees. I have never received any bill from Portfolio Recovery by phone, mail, email, or registered letter of their intentmto collect. They have failed numerous requests to provide original creditor info or change opening date, violating Fair credit reporting act. I want complete removal of Portfolio Recovery collection from all credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX Is in Violation of False Credit Reporting. The account # assigned to my credit report is XXXX, I'm filing a complaint with FMS, XXXX  & XXXX. XXXX & XXXX   allowed FMS to alterthe dollar amount being reported and report to XXXX  & XXXX  that a {$1.00} payment or payments have been agreed upon which is false and showing on my credit reports as if I have made an agreement to pay or have paid. i have request from FMS, XXXX  & XXXX  to provide a copy of a contract or agreement that shows my signature, along with the type of payments Received ( Credit Card, Debt, Checking or Money Order ) I have asked for Proof of these payment being made and from which banking accounts. Showing an agreement was made. FMS, XXXX  & XXXX  has Failed to provide me what evidence or accurate information supporting that claim. In addition, I have asked both XXXX  & XXXX  to Block this company from reporting false, inaccurate and misleading information on my credit file. I'm asking that FMS be remove and or deleted for Altering Account Balane, Re-Aging, False Alleged Payment Arrangment dates and False, Inaccurate Errones Reporting that is a FCRA Violations. I want 100 % accurate information reported on my credit files showing corrections, removal & deletion of this company off of my credit report. I need proof other than E-Oscar verification, which is a computer generated response. FMS has tried to place unauthozie inquires on my credit report also without my premission or knowledge without my consent which is a violation.

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 2020-10-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received an email from ACE Cash Express on XX/XX/XXXX stating my loan payment for {$140.00} is coming due XX/XX/XXXX and would be withdrawn from my account on XX/XX/XXXX. The last four digits of the account number matched my savings account. The company withdrew this amount from my savings. For some reason it was reversed but the bank was unable to tell me if that was on their end or ACE Cash Express. Using my email, I tried to logging to ACE Cash Express by using the forgot password option and the login link they provided in the email. After logging in I was able to see my outstanding balance of {$680.00} and payment schedule showing this is a new loan that I have never made a payment on. The payment schedule shows {$140.00} due every two weeks with the next payment coming due on XX/XX/XXXX. I was unable to locate any loan documents in the portal or reach ACE Cash Express by phone. I did not take out this loan and I did not receive a loan from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LEADER ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
We refinanced our mortgage earlier this year with LeaderOne Financial Corporation, with a loan origination date of XX/XX/2020. We received an appraisal value of {$370000.00}, and this value was used by the lender to approve the refinance transaction. The appraisal was conducted on XX/XX/2020 and cost {$510.00}. 

After making our XXXX mortgage payment, our loan-to-value ( LTV ) ratio satisfied the 80 % ratio required for PMI cancellation with an unpaid principal balance of {$300000.00} ( 79.76 % ). We requested PMI removal and received a rejection letter on XX/XX/2020 stating that in order to qualify for PMI removal, we were required to order a new valuation to verify that our property has maintained its original value. Conducting a new appraisal is not only impractical, but poses an undue financial burden and unnecessary health risk. The appraisal used to approve our refinance was ordered through LeaderOne Financial Corporation, and was used to approve our mortgage a mere 108 days before we satisfied the 80 % ratio required for PMI cancellation. We should not be required to 1 ) pay an additional {$320.00} to confirm something that held true 108 days prior, and 2 ) more importantly, to needlessly invite another stranger into our home during a global pandemic, during which time cases continue to spike in our county. 

I had a phone conversation with a customer service representative of LeaderOne on XX/XX/XXXX, at XXXX Central, and this representative agreed that, given how recently our appraisal was conducted, we should not have to conduct a new appraisal. He advised me to email XXXX with our appraisal document, and again request cancellation of PMI, which I did. Upon not hearing a response, I submitted a second request via XXXX on XX/XX/XXXX. This request was again rejected, and we were again told we were required to conduct an appraisal. 

On XX/XX/2020, I contacted our original loan officer with LeaderOne, and was told " They should cancel the mortgage insurance automatically when you get to 78 % equity in the property without paying for an appraisal. '' Based on this information and additional research, on XX/XX/2020, we made an additional one-time payment of {$4700.00} to bring our LTV ratio to 77.94 % ( remaining principal balance of {$290000.00} ). Despite being below the 78 % threshold for automatic PMI termination, I saw that we were again charged PMI on XX/XX/2020. I called LeaderOne on XX/XX/2020, at XXXX Central to inquire as to why our PMI had still not been canceled and was again told that would require a new appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
All of our business accounts held at Chase bank have been frozen as of XXXX. A letter was received by one of the account holders requesting a review of their information to verify social security etc. The account holder contacted the number on the letter and verified the information and was informed our business accounts are in good status. We attempted to use our debit card and it was declined on XXXX. We then tried to transfer money between accounts and discovered we were locked out of all 4 of our business accounts with Chase bank. On XXXX we went to our local branch of Chase bank with the issue. I became aware that this was done under the premise of the Know Your Customer law. XXXX XXXX XXXX has held our business accounts with Chase bank upon our formation 10 years ago and we provided identification verification on XXXX. We were informed that it would take 48 hours to remove the freeze from our account. As of XXXX XXXX  on Friday XXXX our local branch manager contacted me after I had contacted her earlier that day as the accounts were still frozen. She was informed that Chase has a backlog to review and verify what was submitted and our account may be frozen for 2 more days. We are a small women owned accounting and bookkeeping firm that is now unable to pay our vendors, our employees and ourselves and at the mercy of this large bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: MI

Complaint narrative:
I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and transunion twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify 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 2020-10-24 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: NH

Complaint narrative:
My Experian credit report which I accessed XX/XX/2020 has reported a former address which is not mine

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 2020-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Couple months ago I got a letter from this company so that I have a date for my medical bills. I told them do not contact me by mail phone calls etc. The hospital made a mistake and Im not paying what I owe. On XX/XX/2020 I get a letter in the mail again from this company I called them and told them a couple months ago they were told not to contact me by mail or phone. And they have they are violating my rights as aConsumer

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
Hello, I have never heard of the Consumer Adjustment company and have no idea of the debt that has been reported. Ive never been notified or contacted and his company has violated my HIPPA and Consumer rights by reporting false information that has not been verified by me. They have reported false information to the credit bureaus. This is not my debt so please delete from my credit report because you are hurting my score and its negatively impacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24 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: FL

Complaint narrative:
I never had a XXXX account nor XXXX nor XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit

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 2020-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did a dispute with transunion on a creditor name XXXX XXXX. After the investigation was completed i received a response from Transunion that it was deleted from my credit report on XX/XX/2019. However Transunion has allowed XXXX XXXX to the same accounts back on my credit report without following the proper steps by Fdcpa & FCRA .I never received a reinsertion letter about XXXX XXXX being reported on my Creditor Report prior to it being reinserted by the creditor nor Transunion . This is a direct Violation and it has damaged my credit report and affected my ability to get credit. I also have a letter from The Supreme Court Of New York State index # XXXX Notice Of Discontinuance XX/XX/2019 from the plaintiff XXXX XXXX XXXX XXXX XXXX. XXXX XXXX .I am holding Transunion responsible for what has taken place and how I have been afffected as well as I am holding XXXX XXXX accountable. I have spoken to XXXX XXXX and they said they are not removing nothing off my credit report. We have been arguing back and fourth I have no business with these people and Transunion verified it but will keep reinserting on my credit report damaging it.

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