vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-02 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2020, I reported to XXXX XXXX my dispute of inaccurate payment history information with XXXX. Also, I contacted and wrote, and mailed XXXX supporting documentation of my said claims ) to my mortgage company Branch Banking and Trust. BB & T credit reporting department representative reassured me that they reported my on time payments. On XXXX XXXX BB & T credit reporting department wrote me a letter stating they received correspondence of my dispute. On XX/XX/2020 I received a letter from BB & T Mortgage Credit Reporting Department stating that they investigated my dispute and determined the information is correct. A day later XX/XX/2020 my credit score decreased for a second time and it did not show any payment information for the months of XXXX and XX/XX/2020. On XX/XX/2020 I received by mail a letter from BB & T credit reporting that they received correspondence and that no error has occurred. Again, I spoke to BB & T on XXXX XXXX and spoke directly with two Supervisors and wrote a second dispute with my concerns of my inaccurate payment history. They both stated by phone everything was up to date. This time around my score decreased with XXXX  instead of the above agency XXXX. I called on XX/XX/2020 XXXX  Credit Bureau and the representative told me that BB & T last reported to them in XXXX of 2020 and that there were no payment history for the months of XXXX and XXXX. On XX/XX/2020 BB & T credit reporting department sent me by mail a letter stating that they received correspondence of my inquiry. Today, XX/XX/2020 my score decreased for a third time with XXXX. Moreover, I spoke to a XXXX Credit Bureau representative and they stated that they have never received any payment history from BB & T credit reporting department for the months of XXXX, XXXX, and XX/XX/2020.

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 2020-12-02 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: PA

Complaint narrative:
Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX XXXX  XX/XX/XXXX Eqfx XX/XX/XXXX XXXX 2nd XXXX XX/XX/XXXX Eqfx XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX, I negotiated a pay-off with Navient regarding a private school loan. The pay-off was in the amount of approximately {$12000.00}, with one payment scheduled in XXXX for {$9000.00} and the other {$3300.00} in XXXX. When the agreement was made, I was in the process of buying a home and the closing date was cancelled. Closing has been delayed and I was advised to not make a large payment of {$9000.00} prior to closing. As a result, I contacted Navient PRIOR to the scheduled payment XXXX XX/XX/XXXX and XX/XX/XXXX of 2020 ) in order to renegotiate. Navient was unwilling to renegotiate the pay-off and informed me that any funds received that is less than the original pay-off amount would go towards the full balance, which was approximately {$33000.00}. On that call, the manager XXXX XXXX XXXX at XXXX ) told me he would contact me on XX/XX/XXXX with an amenable compromise. He never called and therefore, on XX/XX/XXXX, I contacted Navient and spoke to a new agent who read all the notes in my account and agreed to a new payment arrangement towards the full balance ( {$33000.00} ). Navient scheduled a $ XXXX agreement. The previous manager decided to cancel the agreement with no warning or justification. He and his employees called my phone incessantly as well as sent threatening emails and voicemails to renegotiate or warned that it would influence my homebuying process. I responded to an email requesting to cease and desist all contact and they continued to harass me and contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: MA

Complaint narrative:
So in XXXX when Covid happened I knew my pay/commissions would suffer and I reached out to Homebridge Financial who told me if I made a payment in XXXX for XXXX they would put my on forebearance for 3 months. At end of this from XXXX through XXXX I kept getting run around about coming off and pushing payments off until end of loan. Right up front I told them I would not be able to pay lump sum and they continued to tell me I would not have to all the way through XXXX and I have a letter from them admitting I was told that in error and they would use as training. I was told these payments would be pushed to the end of the loan and I could make first payment in XXXX and when I called to make a payment they said I need lump sum or nothing. I contacted the MA Atty Generals office ( who suggested now I contact you too ) who told me Cares Act and Chapter 65 laws do not allow mortgage company to do this. I sent paperwork to them multiple times to get loan modification and continued to get letters saying they don't have the info so I resent 3 times. They have not returned emails from MA Atty Generals office either. I followed what I was told to do by not only Homebridge but also MA Atty General 's office from day one. I also received a message from them they received my info and would look it over and then a second letter saying they needed more time. The admitted errors on their part have put me in this situation and honestly I find it to be more fraudulent then errors made. I am reaching out again at the advice of MA Atty General 's office

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
During the past several months I have try to resolve a situation with inaccurate reporting on my credit report regarding Santander Consumer. I reached out to the company several times an attempt to resolve this matter by even faxing over documentation that was mailed to me by the New York state general. Santander Consumer was ordered in court to resolve and delete any debt owed in between several years expand due to fraudulent loan high-interest and knowing that consumers will not be able to properly payback on time due to high interest rates which was unfair to Consumers they preyed on consumers with not so much of a good credit and knowing that they did this in a selfish manner of trying to make money illegally. Needless to say I fell victim to the situation and I regretted it ever since. I have also reached out to the credit bureaus and for investigation into this matter because after speaking with the company Santander Consumer they instructed need that they notated on the account and that it will be deleted eventually because due to high volume of account he asked me to be patient. The supervisor asked me if wanted to speed up the situation that to place if disputing with the credit bureaus and it will be notated on the account and it should be deleted within 30 to 45 days. This never happened and now I'm very frustrated and confused about the situation. I've reached back to New York state general office emailing them regarding that I have an issue with them following court orders with deleting the account from my credit report. They also asked me to be patient. This account should have been deleted long time ago especially after faxing over the same letter that was mailed to me from the New York state general office regarding being qualified for the multi-state settlement. This is the website where you can find more information regarding the multi-state Settlement athttps : /XXXX/. I can also be reached at XXXX. I asked for this to be deleted which doesnt violate my rights, thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NC

Complaint narrative:
Here is the problem, I have attempted to have this bankruptcy removed from Transunion several times. I have sent the proper documentation several times by mail ( Here is the tracking information XXXX, XXXX both are have been received and signed for. ) This documentation includes proof the the Bankruptcy has been removed my the XXXX file. I was told yesterday that they have not received this documentation. I asked the supervisor where are my files ; I was told they don't know. 

I was also told that they would NOT complete investigation of this Chapter XXXX because of the retention timeframe. I explained the the rep ( several reps ) that my case is totally different than any other case. I was also told to get an " Bankruptcy Expungement '' form, I called the courthouse ( on my other line ) while I was on the phone and asked about this form. The courthouse has NEVER heard of this form unless there was fraud or a criminal expungement. Then the senior supervisor proceeded to yell at me and I quickly reminded her that I was the consumer and I will not tolerate any other treatment from Transunion other than respect. I have also mentioned that all of the other credit bureaus have removed this Chapter XXXX from my file. So I have attached that proof to the this complaint. But I would like to know where my 80+ pages were that I sent twice are. This information is confidential and had extremely sensitive information on it. How unprofessional is this company?

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 2020-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
ERC - Enhanced Recovery Company has repeatedly sent me mail and called me excessively stating that I owe a debt to them in the amount of {$3400.00}. I have wrote them several letters disputing the validity of this debt. They have never responded to my letters. The last letter that I mailed them they refused to except the letter at all. They are reporting this inaccuracy on all 3 credit bureaus which has lowered my credit score drastically. XXXX XXXX XXXX previously attempted to collect on this same inaccurate debt and upon realizing this was not my debt and several letters to them they removed it from my credit bureaus but then sold it to ERC. This is harassment and I will file a complaint with my attorney general 's office if this does not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: SC

Complaint narrative:
MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from XXXX, TransUnion or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.

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 2020-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX2020, I called Regions Bank in XXXX, Texas and I talked to XXXX and he told me that if I came in before the XXXX of the month my Social Security Check would go into my account. So myself and my daughter went there and opened a checking and saving account on XXXX XXXX. And XXXX at the branch, helped me and my daughter with this, and XXXX said that she would take care of everything and make sure that my Social Security check went in direct deposit. On XX/XX/2020 and my check was not in my account and Regions Bank just makes excuses and won't do anything about this problem. And talked to Regions Bank on XXXX XXXX2020 and still they refuse to make this situation that they caused to make it right. A supervisor told me on XXXX XXXX2020, that the corporate / executive office would not call me regarding this matter/mess that Regions Bank did to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I disputed the alleged debt with this collection agency on multiple occasions and even submitted an affidavit per their request. Unfortunately, this collection account is adversely impacting my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: GA

Complaint narrative:
I disputed a collection account on my credit file with all three ( 3 ) major credit bureaus and also submitted the requested information to the debt collection agency per their request and the negative account still incorrectly remains on my credit files.

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 2020-12-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
MY NAME AND ADDRESS HAS ERRORS AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

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 2020-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
CrossCounty mortgage refuses to provide me with a loan estimate until I provide them with a signed purchase contract. 

On XX/XX/2020, I spoke with XXXX XXXX of CrossCountry Mortgage who identified himself as working with loan officer XXXX XXXX XXXX ID # XXXX at CrossCountry mortgage. After a brief phone conversation, I was directed to fill out a mortgage loan application on their website, which I completed, along with extensive documentation regarding assets and income, on the same day. On XX/XX/XXXX, I received an email from XXXX to tell me that I had been pre-approved for a mortgage. Attached to email was a letter signed by XXXX stating that my credit, assets, and income were reviewed. I also received a notification from XXXX  that CrossCountry performed a credit check on XX/XX/XXXX. 

On XX/XX/2020, I sent an email to XXXX and XXXX requesting a loan estimate. In my request, I included the property address, property value, loan amount, as well as an estimate of other fees, including HOA and homeowners insurance premiums. 

XXXX responded that CrossCountry is unable to provide a mortgage estimate without a purchase contract. This is despite CrossCountry reviewing my mortgage application and me providing them with all of the details they would need to provide me with an accurate loan estimate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
The following account sent in attachemnt is not ours, I had an HomeDepot account in XXXX and paid it off and then they back charged me interest and I had to fight for them to fix it. I would never open another account with Home Depot so I know for a fact this is not ours and in XXXX we sold our house so there is no reason in XXXX we would need anything from home depot. I called the number and they have no account on record for either me or my wife.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX  and Equifax XXXX on XXXX XXXX 2020. As of today I have not received any response from XXXX, XXXX  or Equifax. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02 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: NV

Complaint narrative:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from Experian, XXXX or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.

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