vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was offered a modification by TD bank on my line of credit in XX/XX/XXXX. I signed the modification paperwork and sent it in to TD Bank and made the payment of {$560.00} as indicated on the XX/XX/XXXX modification document which was due XX/XX/XXXX. 

Subsequent to that payment, I received another modification document in XX/XX/XXXX. Apparently, TD had a made a mistake on the initial modification documents and had to send me a new set of modification documents. The new modification increased my monthly payment to {$610.00} ( a difference of {$55.00} ) and pushed the modification start date to XX/XX/XXXX. I signed the new modification paperwork and sent it in to TD Bank and made a payment of {$55.00} to make sure I made a full first month payment of {$610.00} to be applied to the account. I was told by that representative that they would apply the difference to my account for the first payment that was due on XX/XX/XXXX per the new modification agreement. 

I received a letter in the mail at the end of XX/XX/XXXX that my loan was late by more than 15 days as they did not receive my XX/XX/XXXX payment. I immediately called the loan servicing department and after 1 hour of phone calls with several transfers I was told that a request would go in to move the {$560.00} to my modification payment. 

On XX/XX/XXXX I received a phone call that my loan was now 31 days past due as TD did not receive my XX/XX/XXXX payment. I explained to the representative that is not true as I did make my XX/XX/XXXX payment. The representative researched the issue and said the " back office '' denied the request to move the {$560.00} payment from the first modification form and that the {$560.00} was applied toward back interest from XXXX. I was shocked and asked for an explanation. How could TD 's error become my problem. I signed all documents and made payments in good faith, yet TD will not comply with my request. This is clearly deceptive tactics as I made payments in good faith towards the modification and yet TD has taken the money and only applied it to back interest. 

I have called several times and can not get this issue resolved. I consulted with an attorney and they advised me to try to reach out to the CFPB first to see if it can resolved before taking this matter to court. I have lost several hours of time away from my job and family to deal with this and its just not fair. 

I have attached copies of the two different modifications that were provided by TD bank that I signed and made payments in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: CA

Complaint narrative:
I have sent in statements from the original creditor that the information is clearly inaccurate and violates the FDCPA and the FCRA and have cited the specific statutes in my disputes and have not received any result. I was living in California at the time and the RosenthaXXXX Fair Debt Collection Practice Act and the Federal FDCPA said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and FederaXXXX laws. 
XXXX XXXX XXXX XXXX XXXX XXXX IN EFFECT -XXXX XXXX XXXX  pledge to pay {$200.00} rental assistance for late rent and property manager refused payment -XXXX  XXXX landlord file eviction -XXXX  XXXX, XXXX XXXX XXXX XXXX Close due to LOCKDOWN, never notified of eviction. And could not file a response XXXX XXXX, court date for lock out, extended due to morotorium extention ruling for XXXX XXXX XXXX XXXX City of XXXX also enacted extension with no lockouts. 
XXXX XXXX XXXX XXXX positive for COVID test result attached XXXX ( mid month ) court hearing regarding eviction. Court rules in XXXX XXXX XXXX favor. Try to settle debt. Attached court document and breakdown of debt at that time. 
Back rent no start date to XXXX {$9400.00}. 
*Utilities~ XX/XX/XXXX ( because property manager withheld sending me bill to pay the utilities and that was brought to the courts attention ) XXXX : {$150.00} *Attorney fees {$1200.00} *Cost ( unknown ) {$360.00} XXXX XXXX : court hearing regarding lock out date. 
XXXX test positive for COVID Again. 
And provided to court.I vacate property due to thinking I would be locked out and gave notice to my property manager ( turned in keys and electric garage door opener ) and my attorney the same day. 
- Court states I will be locked out 3 days later but then reverse decision. 
Judge filed ruling XXXX XXXX regarding XXXX XXXX hearing. 
XXXX XXXX XXXX Warfield opened a collection against my credit with XXXX XXXX listed as original creditor in the amount of {$17000.00} Throughout XXXX, I have contacted the legal office of ATTORNEY XXXX XXXX AND XXXX  with no response or being put on hold for long periods of time with no productive response to settle debt. 
XXXX XXXX collection amount from Hunter Warfield {$19000.00} on my credit report to date with no contact, no written information as to how to settle the debt, complete the debt or whom to contact regarding debt collection. 
To date I have not received any notice of balance or agency to contact regarding debt issue in writing to my address of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, still reporting on my credit report in violation of Federal Law. The XXXX is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681 within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
XXXX XXXX XXXX / 60 Days late in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AZ

Complaint narrative:
The list of inquiries and incorrect information was unknown and erroneous. The inquiries were pulled without my knowledge while the incorrect information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following inquiries and incorrect information removed accordingly. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021

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 2022-02-15 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: LA

Complaint narrative:
I have been trying to find help and each time I reach out my problem worsens. My student loans went into default during the pandemic. U.S. Dept of Education transferred my loans in XX/XX/XXXX ( while they were suspended during the Cares Act ). I was never told of this, until noticing my credit report took a major plunge. Since then, I have been flagged on my credit as no payment ( even though they are suspended due to the Cares Act ). 
I tried disputing with credit bureaus only to have my score lowered. I filed a complaint when I noticed my score dropped XXXX points due to student loan payments. When that didnt work, I filed a complaint with you regarding my student loans and everything that has been happening regarding them. The issue has worsened due to filing a complaint. Now, on my credit report, I am showing 80 missed payments for student loans from XX/XX/XXXX XX/XX/XXXX for four of the loans. 
My question is how is this possible. My loans currently are suspended with 0 % interest rate. How can 80 missed payments be legally put on my credit report if I am not required to make payments until after XX/XX/XXXX? 
Ever time I try to dispute, my credit score is more affected. 
I try calling to get original loan terms and a history of my payments and I never get help. I called today, XX/XX/XXXX, and was given a website XXXX  and was told I can see all my payment history. When I go to the website, it states none of my payment history is available currently. 
I also have screen shots attached showing my direct federal loans defaulted or not defaulted are eligible for 0 % interest, suspended payments if it states Dept of Ed is your servicer. They still show my servicer even though on my credit report it says they are not. 
What do I do, I am stuck? I want to hire an attorney, but because of cost, I am hesitated to take out of my XXXX to fund this. The amount of points student loans has deducted from my credit report since XX/XX/XXXX makes taking out a loan not likely in my future to pay for an attorney. I have dropped over 200 points within 6 months and student loans activity is always the reason. 
I am also a student and have been since XX/XX/XXXX. This issue has made my situation worse, due to the whole time during the pandemic student loans have prevented me from receiving any sort of loan due to reporting on my credit report.

I didnt think student loans could damage a students credit report while in school during the Cares Act. 80 missed payments have just destroyed any sort of credit repair and made any goal to repair my credit unreachable. 
I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
XXXXXXXX XXXX / 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2022-02-15 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: IL

Complaint narrative:
On XX/XX/XXXX I called the following credit reporting agencies XXXX, XXXX and Transunion to request that unauthorized inquiries be removed from my credit report. 

The customer service representatives were not helpful. I want these inquiries deleted from my credit report. 

A. XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: IL

Complaint narrative:
In XXXX of last year, I asked Primary Residential Mortgage , Inc., for a payoff statement. They said they would send one, but I didn't receive it. I have asked again several times since then. Each time they promise they will send me a payoff statement so I can pay off the mortgage, but nothing has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Our mortgage was sold to another bank and is now serviced by a company called Select Portfolio Servicing ( SPS - spservicing.com ). SPS charges a fee for each online mortgage payment if payment isn't done via auto-pay, and I'm not certain this is legal. Especially because our last mortgage servicer charged no such fee. We've seen class-action lawsuits against other mortgage servicers for similar fees ( eg. https : XXXX # XXXX ). See attached screenshot describing the fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXXT XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX Charge-Off : XXXX XXXXXXXX Balance : {$10000.00} Date Opened : 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 explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
have called carrington loan servicing numerous times represenatives keep transfering long hold times can not leave a message HOME WAS FORECLOSED ON BY CARRINGTON XX/XX/XXXX AND SOLD XXXX XXXX, BORROWER WAS ISSUED A 1099C BY CARRINGTON THIS YEAR /THE 1099 C SHOULD HAVE BEEN ISSUED FOR TAX YEAR XXXX BECAUSE I FILED A BANKRUPTCY AND MORTGAE DEBT WAS INCLUDED.A CORRECTED XXXX IS REQUESTED BASED ON BALANCES AND FIGURES ON XXXX XXXX DATE OF BANKRUPTCY DISCHARGED UNDER XXXX  XXXX, MORTGAGE DEBT INCLUDED,, CARRINGTON HAS MY WRITTEN PERMISSION TO SPEAK WITH XXXX XXXX XXXX ON THIS MATTER MY SPOUSE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$1900.00} US DEPT ED XXXX {$680.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-02-15 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: AZ

Complaint narrative:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law. Below are the accounts that are still reporting on my report : Late Close : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Late Open : XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$4900.00} Date XXXX XXXX XXXX XXXX Balance : {$2700.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: FL

Complaint narrative:
On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, XXXX, and TransUnion. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all XXXX items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.

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