vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
My property taxes have significantly lowered. I have a disbursement coming up this month that is set to go to the county any day now. They are set up to pay XXXX more than what is due and have blatantly ignored my requests for an escrow analysis. Now they will disburse the wrong amount and I am going to have to wait for the county to cut a refund check. I love in XXXX and with covid it is going to take forever. I have sent them my tax bill. Emailed twice. Called and was promised it would be done in 4 days ( weeks ago ) and nothing has been done. My mortgage payment is almost XXXX dollars too high due to the projection as well. I also know that if the payment change is in my favor that the 60 day waiting period does not apply. I want my money back and my payment lowered immediately. They have ignored me long enough. I work for a servicer so I am aware it can be done. I pray my mortgage is sold and I never have to work with this pathetic servicer again. Update my payment. Disburse the correct amount. Analyze my escrow account and make the payment change effective for the XXXX payment. I know the law and I know it can be done. We are in the middle of a pandemic and this company is holding MY money hostage. I also have XXXX XXXX and could use the extra money for medication. Shame on them. They clearly dont give a XXXX about the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
I sent and initial dispute toTransUnion on XX/XX/XXXX sent certified Mail. they received it XXXX. Tracking and certified mail available.. I waited for a response and called and spoke to a representative on XX/XX/2020. No Results. or results of any method of verification letters. I explained the Laws of FCRA, the FTC and the EXPIRED 30days to dispute. I advised him that i will send certified NO RESPONSE LETTER CERTIFIED MAIL ASAP> and proceed with deletion of all unverified accounts.Transunion sent emails and responded to CFPB stating that I will wait on dispute. I didnt authorize or send any additional disputes. Per FCRA s 1629e ( 8 ) and violation of XXXX per account. Seems like something isnt right, to go past 30 days per the law. 30 days dispute period ended. you cant do that. thats direct violation of my Rights. I want to proceed with violation of my rights and seek attorney, they broke the LAW. I didnt authorize any RE Investigation, they didnt close or send me the 1st dispute 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
Consumer complaint received 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

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 2020-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
this IS MY ADDITIONAL COMMENT TO THE LAST BBPV COMPASS RESPONSE. 
FIRST, COMPASS PROVIDED ME WITH A COPY OF THE XXXX XXXX XXXX DEP BOX CONTENTS IN WHICH COMPASS ITSELF DESCRIBED THE COMPLETE CONTENTS OF THE XXXX XXXX XXXX DEP BOX WHICH WAS OPENED BY XXXX XXXX XXXX NOT IN MY PRESENCE. COMPASS PROVIDES A LIST OF 13 ARTIFACTS THAT WERE IN THE BOX. THERE WAS NO CURRENCY LISTED AS BEING PART OF THE DEPOSIT BOX INVENTORY. COMPASS ORIGINALLY SAID THAT THEY SENT THE CONTENTS OF THEIR DEP BOX INVENTORY TO TEXAS UNCLAIMED PROPERTY BUT NEXT THEY SAID THEY SENT ONLY XXXX DOLLARS OF NON-EXISTENT CURRENCY AND RETAINED THE 13 ARTIFACTS IN THE DEP BOX LIST FOR THEIR OWN USE AND AND AT PRESENT CONTINUE TO HOLD THE 13 ITEMS IN THEIR POSSESSION. I AM ENTITLED TO HAVE POSSESSION OF ALL ITEMS IN THE CRACKED OPEN DEP BOX. IT IS THEREFORE REQUESTED THAT COMPASS SEND ME IMMEDIATELY BY CERTIFIED MAIL THE THIRTEEN ARTIFACTS LISTED IN THE DEP BOX INVENTORY WITH A NOTARIZED STATEMENT THAT THE MATERIAL THAT THEY ARE PROVIDING IS ALL THE MATERIAL RECEIVED FROM THE CRACKED OPEN DEPOSIT BOX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: GA

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I paid XXXX XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2020-07-08 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: CA

Complaint narrative:
I sent A cfpb complaint to experian on XX/XX/2020 by XX/XX/2020 they had already brushed it off and decided not to look into it. they said they didnt beleive I was the one who requested info. 

now so they cant say that I will be submitted my driver license social security card bank statement identity theft report I am not eligible to rent an apt because of the damage this incorrect reporting is causing.

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 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
I received communication from Debt Recovery Solutions stating they represent XXXX XXXX , XXXX collect  for XXXX XXXX XXXX XXXX in XXXX, the statement they sent had no dates of service or what the bill was for. 

I spoke with XXXX XXXX XXXX XXXX and was informed that they do not sell their clients medical bills, they have an agency they use to collect for the XXXX XXXX XXXX, XXXX in XXXX, VA. 

XXXX XXXX further informed me all bills I had with them were paid in full. 

I have sent a letter to Debt Recovery Solutions , LLC as well. The letter is attached that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: MD

Complaint narrative:
My XXXX Credit Card I submitted the full balance in the due date and it is stating that I submitted my payment the following day whove resulted in them reporting to the credit bureau that I had a late payment. This is in correct I submitted the payment on the due date and it needs to be reported accordingly and that information needs to be reflected on my credit report. I paid the XXXX on XX/XX/20 and the full balance was submitted in the amount of XXXX on XX/XX/20. The information submitted to the credit agencies is incorrect and needs to be rectified.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
The fair credit act requires to verify the validation of the items within 30 days. Since 2016 I've been trying to validate with Experian BK XXXX and BK XXXX. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that those accounts belongs to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX ; they sent my consumer disclosure report to me which shows clearly that I dont have any bankruptcy in my records ; I sent Experian a copy of that report. However, theyre still reporting that the results of the investigation were verified as accurate. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that you contacted, address method of verification and you still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ). Because of the Covid 19 all the process were delayed. To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

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 2020-07-08 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:
XXXX - XXXX XXXX XXXX xxxxx XXXX Account balance is not consistant with other credit agency. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
My unemployment is on my Way2Go card and I still have not recieved my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: TX

Complaint narrative:
XXXX  XXXX XXXX ftc XXXX XXXX adjust ftc violation XXXX XXXX automated col civil violation, fcra and ftc XXXX XXXX XXXX FTC all US DEPT OF ED/XXXX ( FTC ) all of them were filed XXXX XXXX XXXX  ( come on look at the CFPB ) being sued XXXX XXXX XXXX ( filed NCUA ) XXXX XXXX XXXX  ( scam ) XXXX XXXX FTC XXXX XXXX XXXX FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint Mortgage ( Newrez ) is not following through with my successor in interest request.

First submission was in XX/XX/2020 for assumption process. They forced me to try for a loan modification and then a forbearance. Im not interested in either. 
After opting out of loan modification, there has been zero communication on their part. They say to resubmit yall documents. One rep will say Im listed as secondary note holder while another says Im not on the note nor can they discuss the successor in interest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In 2015, I worked at a motorcycle dealership XXXX XXXX XXXX in XXXX XXXX XXXX Ca. At the time the Sales manger had a motor cycle for me to use. I have him {$2500.00} To use the motorcycle as it was from an auction he bought used. Its currently on my credit report and I never signed a contract. I didnt have credit sufficient at the time and he new that he said he would take care of it. The creditor on my credit report is west lake financial. When I did try and pay the loan the account number I was given never worked and could not find me in there system. I could not make payments as I was not in the system and kept on kicking me off there phone system.

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 2020-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : 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 2020-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : 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 2020-07-08 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: CA

Complaint narrative:
I have multiple hard inquiries reporting on my credit report that were never authorized. I have disputed this information with TransUnion on several occasions including letters dated from : XX/XX/XXXX, XX/XX/XXXX, as well as over the phone with a representative. I have stated to TransUnion several times that there was no permissible purpose for these inquiries and yet they remain. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 US Code Section 1681b in general. Subject to subsection ( e ) any  consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I know that TransUnion is supposed to do their own investigation based off of my disputes which they have not done. Here are the inquiries that need to be removed : FACTUAL DATA Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/2019 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. s 1681I ) I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and not just tell me that they are verified. I have never received anything from TransUnion stating that this info has been verified or HOW it was verified.

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 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I AM A VICTIM OF UD THEFT, SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT FRAUDULRNTLY IN MY NAME : ONE MAIN OPENED XX/XX/2019 THEY WERE MAKING PAYMENTS COMING OUT OF MY ACCOUNT UNTIL I CONTACTED THE POLICE DEPARTMENT AND SHUT DOWN MY BANK ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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:
XXXX - XXXX XXXX XXXX xxxxx XXXX Account balance is not consistant with other credit agency. Please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: TX

Complaint narrative:
The company stated in their last comment that they tried to contact me. I do not recall receiving phone calls from the collection company. There are a lot of telephone scams trying to collect money from the elderly. I do not answer strange numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a small business owner and desperately need a grant. The money is to be transferred directly to my business account with PNC bank. I was directed to link the grantor to PNC but received a message that PNC has made changes that prohibits my ability to complete this link.

Company response to consumer: Closed with explanation