vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, XXXX, AND EQUIFAX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: FL

Complaint narrative:
ON XXXX, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM EXPERIAN, XXXX, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY IS XXXX ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ON XXXX, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER 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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE TO IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE CORRECT THE INFORMATION REPORTING ON MY PERSONAL CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/XXXX I applied for and received an ad valorem property tax exemption from the XXXX XXXX XXXX XXXX for a total and XXXX XXXX tax exemption. 
I called PHH Mortgage on XX/XX/XXXX to advise them of the XXXX exemption because they were charging me for county taxes in my escrow payments. I was advised to send a letter to their tax department at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, which I did, including our address and loan number as well as a copy of the letter of exemption from XXXX XXXX. 
By XX/XX/XXXX, I called them to ask what the status was, and was told that they had no record of having received any such correspondence. I was told to email the information to : XXXX I emailed them a copy of the aforementioned letter from me as well as the XXXX XXXX XXXX XXXX letter of exemption. I also sent them hard copies to the Tax Department in XXXX XXXX XXXX, this time return receipt via USPS. 
I called PHH Mortgage Services again on XX/XX/XXXX, and was told they still had not received any information, regardless that I had the signed receipt from them. I was transferred to an Escalation Manager named XXXX, who promised me that he would personally look into the situation. He asked me to email him all of the information to : XXXX and promised to call me by XX/XX/XXXX. 
On XX/XX/XXXX he left a message on my phone, and I called him back at XXXX XXXX, and got voicemail, and left him a message. On XX/XX/XXXX he called and left me a message again, and when I called back I got a woman who said she would assist me. 
She called the XXXX XXXX XXXX XXXX while I was on the line and was told that my taxes for XXXX would be XXXX, and there were no ad valorem assessments on my property. 
The lady at XXXX then told me that they would continue to collect the tax escrow monies until that time, and then, and only then, if there were no taxes due they would reimburse me for the monies they have been charging me for taxes since XXXX, XXXX, the yearly total would be {$2800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit collection services states I owe two medical bills which are showing on my XXXX credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to XXXX credit bureau and the two collections are still on my credit report after disputing three times. XXXX says their dispute results are verified when they can not be because the credit collection company can not verify this information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: FL

Complaint narrative:
I had a loan I paid years ago I requested them to validate this debt but they not respond and they put it as a charge off paid full then come back and now they have reported this account multiple time on my credit as if I havent paid or they didnt charge this account off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have filed two other complaints about the correct balance owed on the mortgage. 
complaint ID XXXX & XXXX The company gave me credit for other amounts that I proved was not on their records of payment history. I have two additional payment totaling XXXX. 

The company is holding a lien on my property and have not provided me with a accurate balance of amount owed. I have tried working with them to settle this matter and feel like it is in violation of my rights for me to have to continue looking through old records to find missed payment and come up with a accurate balance of what is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
I attempted to reach out to a TransUnion representative. When I spoke with them via Phone I explained that I have been a Victim of their Inquiry issue. Explaining to them that those inquiries on my report weren't accurate. Below are the inquiries that I was trying to get removed from my credit report. 

1 ) XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX XXXX Inquiry from XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX 5 ) XXXX inquiry from XXXX XXXX XXXX ) XXXX inquiry from XX/XX/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 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
My mortgage was in forbearance due to Covid 19. 
I've contacted the mortgage company several times to defer the owed payments per the Cares Act and allow me to restart my monthly payments. 
The mortgage company has not done so, and has informed me my forbearance period has ended and all payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
And sent me a letterTo whom it may concern, I sent a certified dispute letter to Transunion back on XX/XX/2021 asking them to validate and verify a bankruptcy placed on my credit report. Transunion stated that 3rd party company ( XXXX XXXX ) verified Bankruptcy as accurate. Transunion sent me a letter on XXXX XXXX stating account was accurate. I wrote XXXX XXXX and asked them for there method of validation. XXXX XXXX could not Validate or verify Bankruptcy. I sent a second certified dispute letter on XXXX XXXX along with letter from XXXX XXXX. The letter from Lexis Nexis stated, they were unable to verify the accuracy of the bankruptcy that Transunion stated was accurate. Transunion received my certified letter of dispute back on XX/XX/2021 and have not responded to me therefore, exceeding the 30 day response required by the FCRA. ( Please see the attached documents provided below )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pinnacle Asset Management, LLC
State: TX

Complaint narrative:
Received phone call from XXXX. They informed me that someone was trying to locate me. Would not tell me who and told me they were with Judicial location services ( which does not exsist ) and gave me a case number " XXXX '' and a XXXX to call and get taken care of. When I called the number it was a generic voice prompt. The person who got on the line said they were with pinnacle proceedings. I told him thank you I was trying to figure out who called me. His response was " we dont call people XXXX ''. And hung up. I never identified myself in the phone call. I found out that 5 mins after I got called my mother-in-law also got a call saying someone was trying to locate me and they wanted my place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
On XX/XX/21 FREEDOM MORTGAGE CORPORATION applied for a mortgage refinance on my behalf but without my consent. I had no contact with the company prior to this time. The application was submitted in my name with my address and social security number, along with a co-applicant whom I do not know. Co-applicant was listed at my same address. I contacted FREEDOM MORTGAGE CORPORATION on XX/XX/21 and XX/XX/21 but have not received resolution on the matter as they are unable to tell me how this application was submitted and have not corrected the inquiry with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
My complaint is against my mortgage company, XXXX XXXX, based out of Virginia XXXX, in Virginia. XXXX XXXX. XXXX  XXXX, Virginia XXXX, VA XXXX ) I have tried to have my PMI removed from my account, since my original loan value was under {$130000.00} and now my home is appraised at above {$180000.00} and is much lower than the 50 % Loan to Value that mortgage companies require, in order to drop this mortgage insurance. I applied to have a refinance with XXXX XXXX in XXXX of XXXX and therefore paid under {$500.00} for an appraisal. That is how I know my PMI should be dropped because of the amount the appraisal came in at. I have attempted contact with XXXX XXXX to review that appraisal since XXXX which would put the appraisal still under the 4 month rule of it being active and current. However all I get is the run around, even when I have been transferred to PMI supervisors. They tell me that they will review my appraisal and if the LTV is lower than 50 % to the total amount owed, they will retroactively credit the PMI to my account. However, all I receive from them after a month and a half of waiting for a reply each time is a generic, auto generated letter from Loancare, which is their servicing company, stating what the process is for cancellation of PMI. There is absolutely no mention of the appraisal they have been emailed multiple times, which each PMI supervisor could see on my records and acknowledged the receival of. I want my PMI dropped and I want my account to be retroactively credit the {$99.00} they charge me monthly, since my initial request to them in XXXX of XXXX. 
Here is the log of my contact with them. 
Week of XX/XX/XXXX, initial PMI request on the phone. 
XX/XX/XXXX emailed and tried to follow up with my request and attached the appraisal in email. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX called to follow up, spoke to XXXX, she said the review process would take till XX/XX/XXXX and I would receive correspondence in 10 days. I did receive yet another one of those auto generated PMI letters. 
XX/XX/XXXX spoke to XXXX, asked to be transferred to a PMI supervisor, XXXX, then XXXX. 
XX/XX/XXXX emailed appraisal to XXXX. 
XX/XX/XXXX spoke to XXXX in the customer service center, asked to be transferred to a PMI supervisor, got hung up on after 40 minutes of being on hold. 
XXXX spoke to XXXX, then transferred to XXXX. She stated that she is able to see my appraisal, that someone from the PMI supervisor team would review it and would retroactively credit my account, once they confirm the new appraised worth of my home. 
Week of XX/XX/XXXX received yet another of the auto generated PMI letters, which I now have about five of. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
Hi. 

Beginning on XX/XX/XXXX my husband and I inquired about recasting with BSI Financial. While they did not get back to us ( after many tries ), they finally did on XX/XX/XXXX. 

We asked what the process was for recasting and again, took a long time to respond, but did on XX/XX/XXXX. They informed us that we needed to wire our money to them to start the process. I was not comfortable with wiring money to an account that I do not/ can not see the money once wired, so we made 2 one time payments on XX/XX/XXXX in the amount of {$80000.00}. 

On XX/XX/XXXX, BSI confirmed receipt of our funds and began the process for recasting. They shipped us documents on XX/XX/XXXX to sign, but the documents were unclear and we had some questions. They did not respond to any of these questions, so we had a lawyer review. Our lawyer responded on XX/XX/XXXX and since then, had little to no contact from BSI. Every single step of any of this transaction, we had to push and initiate from any side. At no point did BSI make any attempt to move these things along, unless we prompted them. 

After we called several times from XX/XX/XXXX, XXXX XXXX, we were notified that the person handling our account had left, but that someone would help us soon. Again, we had to prompt BSI to go handle this. All this while, our account via BSI Financial login showed that we were delinquent. After calling them several times to confirm why this was, they told us not to worry about it and we weren't being reported to the credit bureaus. 

Meanwhile, we have been paying the mortgage payments every single month on time. I always make at least {$100.00} in extra payments. This is my 4th home, by the way, and I've never missed a payment in my life. 

As of XX/XX/XXXX, my husband and I both received credit markers for missing payments. When we contacted XXXX XXXX about this, we were told that this was no big deal. Well, if you work for an audit company or a financer, it is very much a big deal, and we do work for these categories of companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second time filing a complaint with Equifax. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section 1681c-2 of the FCRA, I meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report, which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. There are more but the FTC report only allowed me to list 5. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what youre doing to us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
UNWILLINGLY WILL NOT MOVE FURTHER WITH MY REQUEST FOR A DISPUTE AND HAVE IT PROCESSED BECAUSE YOU FEEL AS THOUGH I AM TOO XXXX TO WRITE MY OWN LETTER. THIS IS MY THIRD REQUEST TO HAVE MY DISPUTE HEARD AN PROPERLY DISPUTED. MIGHT I REMIND YOU THE FCRA CLEARLY STATES EVERYONE IS ENTITLED TO DISPUTE WRONG INFORMATION. PLEASE VALIDATE MY REQUEST AND NOT VERIFY INFORMATION THROUGH YOUR PORTAL OR SYSTEM E-OSCAR AND JUST MATCH NUMBERS AS MY IDENTITY WAS STOLEN AND WAS TOLD TO YOU IN NUMEROUS WAYS. THANK YOUR QUICK RESPONSE IN THIS MATTER REGARDING MY IDENTITY USED WITHOUT MY KNOWLEDGE AT THE TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother deceased XX/XX/XXXX. She had a checking account at Wells Fargo for which I was listed as heir on my parent 's will. Upon her passing I contacted Wells Fargo ( WF ) regarding the recurring monthly fees on her account ( about $ XXXX/month ). WF assured me that once I received my order from the court, the accrued service fees would be reversed retroactive to the date of my mother 's passing. At the time of my mother 's passing the account had about {$2200.00}. WF did assure me that the service fees would not be charged to the account during the time the account was frozen and I was reconciling ownership through the courts. When I finally received court authority in XXXX I learned the amount in the account was significantly reduced to about {$1600.00}. At this time WF advised they would not refund the service fees ( about {$650.00} total ), that had accrued since my mother 's passing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Simple Bank partnered with BBVA Compass USA had a transition on XX/XX/2021. Like thousands of other customers, I have been unable to gain access to my account, and customer service with BBVA USA has been unimaginably poor. Their phone system hangs up on customers, and the website continues to lock myself and others out after several password resets as the site says " for security reasons your account has been locked '' with no further explanation. As soon as I gain access to my account, I will be closing it immediately.

Company response to consumer: Closed with explanation