vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the Equifax Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for XXXX  XXXX ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by Equifax the Creditor XXXX XXXX XXXX XXXX, unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. Equifax then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. Equifax has placed a block on my credit file alongside an extended fraud alert without the consumer 's ( XXXX XXXX ) request or consent. 

I faxed and mailed correction, without response, to Equifax and the creditor XXXX XXXX XXXX XXXX referencing the aforementioned error and demanding immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc.
State: WI

Complaint narrative:
My husband and I refinanced our mortgage on our primary residence in XXXX, reclosing on the new loan on XX/XX/XXXX. 

Our primary goal was to get rid of PMI on our loan, though we also sought a lower interest rate, lower monthly payment and would have liked to get some cash out to pay off a vehicle. We could have done a streamlined refinance through our existing lender to simply get rid of PMI at considerably lower cost. 

We live in the City of XXXX. Last spring, the City raised taxes exponentially. The notice of " proposed '' property tax increase was sent to all property owners, and well-publicized around XXXX ; it was covered in the mainstream media, and well known to industry professionals. We challenged the property valuation, and brought the valuation down by approximately {$25000.00}. Nonetheless, our property taxes increased by {$1000.00} between XXXX and XXXX. This was not a surprise. 

The lender was only able to offer a modest reduction in our interest rate, from XXXX with our previous lender to XXXX with the refinance. PMI would be removed, we could not get cash out. The representation in reduction in our monthly payment was largely due to an underestimation in our property taxes, which we did not realize were based on our XXXX property taxes. So while our total monthly payment, including principal, insurance and property taxes, would go from {$1400.00} to {$1100.00}, that was based on inaccurate information. Now, less than 6 months after we financed an additional {$6000.00} into this loan due to this refinance, we received notice that our escrow account is inadequate, and our new payment will be {$1200.00}. Had we simply done a streamlined refinance with the original lender, eliminating the PMI in the amount of {$100.00} per month, there was no reason to incur the additional debt for a half percent savings on the loan. 

I brought this complaint to the mortgage broker, Prosperity Home Mortgage. The Senior Mortgage Consultant, XXXX XXXX told me that, " by law we can only collect escrows for what is actual at the time and the only tax bill available was for XXXX since the XXXX tax bills don't come out until XX/XX/XXXX. '' She has since stopped returning my calls since I asked her to identify that law, since I do not believe there is any such law. Her statement is inconsistent with the law I found, which provides that escrow can provide a discretionary 20 % cushion for such increases, in addition to which WE HAD NOTICE of this increase. This industry is based on speculation. For something as certain as taxes, it is absurd and irresponsible that they would not request the data we had available, and rely upon it. 

We were misled, and now incurred a needless {$6000.00} of expense. I am requesting refund of the fees paid to this company, for either intentional or negligent misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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: Nelnet, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: TX

Complaint narrative:
In XX/XX/XXXX, I discovered inaccurate information reported by Experian ; particularly, that for the months of XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX I was reported 30, 60, 90 and 120 days past due by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I disputed the information in accordance with Experian 's established procedure. In XX/XX/XXXX the information was refreshed with a response only that XXXX had verified the information. 

I attempted to contact both XXXX and Experian to submit to me the what information verified I had an account with them. 

I contracted with XXXX XXXX XXXX to assist me in this matter. In XXXX, the information refreshed again on the credit report in response to inquiry by XXXX. However, I did not receive any documentation to support the delinquencies or my responsibility to this account. I followed advice and sent two letters, one by certified mail, to request information to substantiate how I was fiduciarily responsible for what they reported, to include any documents signed, when I was informed ; and, if there are no supporting documents, this information was to be removed. 

Since XX/XX/XXXX has not sent any supporting documents, accordingly, information was to be removed within 60 days by Experian ( see attached letter ). As of XX/XX/XXXX, more than 90 days, later, the information has not been removed. I have not receive any response or further information from XXXX or Experian. 

Furthermore, I have a paid service with Experian, and I am still not able to get in contact with a person through chat or telephone to resolve this matter. 

Before, going directly to an attorney, I was advised to go through your agency and the Federal Commission on Insurance and Banking.

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 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I got 6 unauthorized charges, they refunded 5, there is 1 outstanding, I called 3-4 times, each time they say they will take care of it, but instead sent me to collections. I'm unable to get anyone on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On the beginning of XXXX I applied to refinance my house, I received a call from XXXX XXXX from Quicken Loan and On XX/XX/XXXX he sent me the approval for FHA loan with 2.25 % after I sent him all the papers work that he asked for. 
After that Quicken Loan wasted my time and basically doing nothing to go ahead on processing my loan, and every time someone call me from Quicken Loan they are all RUDE and unprofessional. 
They asked about a deferred balance in my renter property, and I told them that deferred balance, done in XXXX and I sked them that they can call the XX/XX/XXXX and have three way call to approve it, but I believe the employees at Quicken Loan were too lazy to do their job. 
On XX/XX/XXXX, I received a call from Quicken Loan and I spoke with XXXX XXXX and he was very rude and unprofessional and kept rushing me, and in the end he said there is nothing that he can do to find out if the deferred balance happened on XXXX, and he said that he can cancel my loan and he sent me the following email : Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XX/XX/XXXX, XXXX XXXX XXXX XXXX Now Quicken Loan wasted my time and my chance to lower my interest to 2.25 %, and Quicken Loan put me in emotional stress because of the two months wasting my time the the way Quicken Loan treated me with rude ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos Invest , Inc ( a part of Axos Invest LLC and Axos Bank XXXX purchased XXXX where I had an account. One of the features XXXX offered which Axos continued offering was automated " tax loss harvesting. '' Essentially this feature sells a fund at a loss and purchases a different index tracker to generate tax savings. 

This requires Axos to generate an 8949 in addition to a 1099. Axos has failed to make these documents accessible via their online portal. I have had to reach out to them multiple times with the current correspondence beginning on XX/XX/21 and they've so far only provided the 1099 on XX/XX/21, from which it will be incredibly difficult and burdensome if not impossible to generate the appropriate 8949. It is also important to note they transmitted this document to me through email which while convenient, is insecure and against industry best practices. 

I have continued to contact them about this issue and they have mostly ignored me. I am reaching out now to FINRA as a last resort so that I can prepare my taxes on-time. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: ND

Complaint narrative:
I pay a settle of XXXX on XXXX, the total was XXXX. I was told that would not show up on credit report well it does causing me higher interest rates. It will show up on report untilXX/XX/XXXXi was told would not. If i would have know that would have pay full amount. The interest rate of 2 % I would get without that on there. But a 6.9 % causing me hardship on a loan because they lye to me. In these times of COV-19 causing me so much hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a formal complaint against Transworld Systems Inc located in XXXX, MO. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XX/XX/XXXX distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XX/XX/XXXX and XX/XX/XXXXand not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Transworld Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Open Dealer Exchange, LLC
State: NY

Complaint narrative:
700 CREDITXXXX XXXX Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am very upset with Barclays Bank Delaware 's actions. They have a mess in their reporting. They don't even know what is happening in the account, but I will explain what is happening : Barclays is reporting discrepancies across bureaus, they have failed to investigate my case or contact me to clarify my doubts after I called and emailed many times to their customer service department. 

This is how they have been changing their reporting : XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX. 
XX/XX/XXXX report : Late payment reported in XX/XX/XXXX Now : Corrected, which is what I am asking for. 

XXXX  : XX/XX/XXXX report : Late payment reported in XX/XX/XXXX XX/XX/XXXX report : Late payments reported in XXXX, XX/XX/XXXX Now : Late payment reported in XX/XX/XXXX The account is the following : Barcalys credit card : XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, limit {$17000.00}. 

I have been through a really hard situation. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc ). My credit sore has dropped due to all the crazy changes that Barclays has been doing on this account. All I am asking is to get the late payment that is reported in XX/XX/XXXX in XXXX to be corrected, I demand no late payments to be reported in this account or to get the entire account removed from all three credit bureaus. I already have sent letters to Barclays and they didn't even mark the account as disputed.

Please send the attach proof to Barclays. 

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 2021-03-05 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: NY

Complaint narrative:
the credit bureaus are reporting my XXXX XXXX XXXX account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such

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 2021-03-05 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: MS

Complaint narrative:
XX/XX/2021 I am very distressed with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel bullied by the bureaus by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach may have got into the hands of the wrong person. I am pleading for help at this point.

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 2021-03-05 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 XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2021. It is 60 days later and I have yet to receive a response. I feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Re : XXXX Based on the fact that you have closed this case because the company ( Medicredit ) has responded, how do I access the response. I have not heard from Medicredit.

Company response to consumer: Closed with explanation