vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-25 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: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-25 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: LEXISNEXIS
State: GA

Complaint narrative:
I mailed Lexis Nexis a second letter on XX/XX/2022 via certified letter from the US Postal Service. This was my second requesting asking for validation on an alleged bankruptcy they are reporting. The first time, inever recieved a response from Lexis Nexis, which is why I sent the second request certified mail. According the the US Postal Service, my request was receieved on XXXX XXXX, 2022. As it stands today, I still have not reeieved any updates, and it is pass the 30 days they have to complete an investigation, per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Repeated call with no information from a company called Portfolio Recovery which I believe is a debt agency. Calls are from numbers which appear to local as they use our local area code. Always a different number. No identification info is given and no info re the debt. Constant calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
Snow and Saugerteig contacted me on XX/XX/2022 and left a voicemail to call back at XXXX am I called back at XXXX pm asking what the phone call was about. The representative stated a medical debt. I asked for a debt validation letter with copies of all the original documents showing my signature of this alleged debt. The representative stated they have sent me letters, which as of today I have never received. Then the representative stated they would only send me the letter if I send them a return postage envelope. I stated once again than can send this letter to my address. Or the can send me a letter of deletion if they can not validate my debt. She then stated the collection would continue. I explained that if she continued to harass me I would get a lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
1.In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act XXXX  Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX Inquired on XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, CAXXXX  ( has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
For the past three years Arvest Central Mortgage has been charging us for insurance on our property, even though evidence of insurance paid in full by us directly to the insurance companies, has been provided to them. They have continued to charge us escrow for said insurance and they refuse to refund us the funds for insurance they've charged us through the escrow account. We have asked them repeatedly to take escrow off of the account to no avail. Of more concern is that for the last six months, while we have submitted mortgage and insurance payments to them before the due date, they are not applying the payments to our account even though they have cashed the checks. Since they are not applying the payments, they are charging us late payment fees for payments that are not late. They have also reported us to the credit bureaus for late payments that are not late. We have tried to address this with Arvest Central Mortgage without any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: VA

Complaint narrative:
I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: LJ Ross Associates
State: NV

Complaint narrative:
I do not understand how they verified this account as being accurate when they have the wrong social security number noting in writing that I have sign with my social security number on it i talk to the original debtor because they inform me they had noting with my ssn on I they never report it on my credit report but also inform me if I paid the debt they would see that it is remove from the collection agency because I was in the process of buying a home and the debt was so low I agreed to pay for it and now I was unable to purchase the home because the collection agency would not remove this item from my credit report and they do not have my correct ssn number their paper work from the debtor they are still verifying as being accurate would like to get some help to have this remove from my credit report thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: CT

Complaint narrative:
I continue to have problems with Experian and upon reaching out to Experian multiple times this week, I am not closer to any resolution and am now even further delayed as I can not even access my Experian account. I have tried through the website to obtain my username which they provide, input my password which states that no record is found under that username, tried to input my username to reset my password, at which point it states account does not exist. 

I have contacted Experians technical support team, inputted my social security number and have been transferred, hung up, and sent back to the Experian automated system countless times. I can not even access my Experian account to see if they made changes to the Experian errors on my credit file including credit score and late payment flag that is causing all of the problems to begin with. 

The other reporting agencies, XXXX and XXXX report excellent credit with scores in excess of 820, 100 % payment history for over 154 months and all open and closed accounts are accounted for. 

In Experians case, they report the same data with the exception that they have a Late Payment Flag under their Payment History that is Wrong! As both Experian and I have reviewed the Experian credit reports, there is not a single account that shows ever being delinquent, and yet this late payment flag is causing the scoring errors on Experian by over 100 FICO points. Additionally, this erroneous Payment history flag is causing Experian to list my payment history as Good Payment History when in reality it is Excellent Payment History. 

Experian refuses to acknowledge, resolve, and properly research the error. They should be penalized, fined, and censored for their lack of customer service, lack of professionalism by continually hanging up on customers, and lack of accountability for an ongoing problem that has not been resolved in a few years already. 

I would welcome the opportunity to work with the XXXX to get to the bottom of this as I know that Experians governance, policy & procedures, and processing controls are not in alignment and are causing irrefutable harm to consumers like 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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Received an letter indicating that I owe XXXX money

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 2022-02-25 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments with no dates. Two 30 days late and one 60 day late. I am not sure how this happened. I believe I made my payments when I received my statement. My only thought is that my statement did not get to me. This account has been paid and closed since XX/XX/18.

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 2022-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I had a hardship with Covid was encouraged to skip payments and was told after the 18 months that there would be an easy process to resume making payments. After 18 months I called dozens of times while waiting on hold for hours at a time was told a different story every time and then after four months was told that I would have to fill out a XXXX page application and submit documentation of income and other things to be considered to resume payments, I did as was asked and then called multiple times was wasn't told there was anything I needed to do. A month or so later I get a letter saying I didn't provide enough information. I called and told them what had happend and they said I need to start the process over again and so I did this time including my W-2 's as well as paystubs showing I personally make over {$80000.00} a year and want to start making my {$400.00} loan payment. The then tell me that my application is incomplete cause my reason for hardship wasn't what they wanted ( no clear understanding of what they want ), that they don't have my home loan information from where I live ( never asked for it ) and they want paystubs and from my wife even though I make more than enough to pay the loan, then after asking me for all of this I get a letter from a debt collection law firm demanding payment of my loan in full in two weeks or else. I have spent hundreds of hours being mislead and fighting with this company and I am tired.

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 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Concern I'm stating my recent experience with BOFA. I'm using Bank of America account since 2018 and really satisfied their service .But recently for some security issue with the Savings account I just transferred all my money to XXXX XXXX  . As my BOFA acc balance was low i thought they will charge me XXXX $ maintenance fee per month but i was ok with that. 
But recently from XXXX they were charging me XXXX $ ( Overdraft ) for some auto payment. my opinion is if my acc is having low balance then they should decline the payment. But they were charging like XXXX $ and my overdraft amount goes to XXXX . when I checked my statement then I called them and got to know what was overdraft amount. As a student and a small company employee its really hard for me to pay the extra amount like overdraft. Also I didn't know about that. As its my first time. I requested them to cancel and refund me the overdraft amount and in the future I will maintain the balance. But they refused to do that. 
As a service provider they should give better services for the customer. It was my expectation. As this was the first time they should consider the amount after I called them. If that was my concerned i would maintain the minimum balance obviously.

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 2022-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Received documents from XXXX XXXX Lakeview loan Servicing regarding my mortgage. 
My current mortgage servicer is XXXX XXXX  upon receiving these documents I called XXXX XXXX. Spoke with XXXX ID # KDO Loss Mitigation, the Covid-19 modification was approved XXXX XXXX, 2022. XXXX XXXX  is processing the modification documents to be mailed to me she said the documents would state the modification terms. I have also read that when you receive documents for the same mortgage loan from to different servicers its dual tracking and that is a mortgage violation. 
I have not received foreclosure documents XXXX rate the debt documents. 
XXXX was my servicer for several years they approved the loan for several trial modification of which I paid the trial payments. Upon the XXXX payment being made they would cancel my modifications. Finally, after several complaints my servicer changed to XXXX XXXX LN # 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 2022-02-25 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: NC

Complaint narrative:
I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly. 

I have attached a screenshot of the incorrect reporting.

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 2022-02-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Ave Student Loan Servicing, LLC
State: MI

Complaint narrative:
Someone used my SSN and other info to cosign a loan application through College Ave. When I found out, I contacted College Ave and let them know that it was a case of identity theft and I had not actually authorized this individual to use my info. Fortunately, the loan application was denied and no funds were disbursed. However, I still filed a police report for identity theft with the XXXX Police Department in Michigan Report # XXXX, Contact XXXX XXXX XXXX XXXX XXXX to verify ). I requested a copy of the application from College Ave so I can use it to support my police report and they refused to provide it, despite the fact that it was made using my information. As a result of their refusal to provide a copy of the application, College Ave is preventing me from seeking justice for having my identity stolen and used to fraudulently secure a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX,2022, USAA Bank XXXX card removed {$3000.00} from my account under the term Adjustment- Return. I have contacted them by phone and chat and they can not or will not explain the reason for this transaction. They will not explain why they took this action. Communications with USAA is exceedingly difficult. The simply say " we have no idea '' and that is all I can get from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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