vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-14 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: WA

Complaint narrative:
On Thursday XX/XX/XXXX, I called Experian and XXXX  because there are three accounts that are reporting on my credit report that I feel are inaccurate. I am not sure where these accounts came from and it was recommended to me to write a letter to the credit bureaus asking them to investigate these accounts. When I called Experian and XXXX, they both stated that they never received anything from me. 
On XX/XX/XXXX, I sent letters to XXXX, Experian, and XXXX. The letter to Experian was sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XXXX XXXX. The letter to XXXX  was also sent certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) and was delivered XX/XX/XXXX. 
A few weeks later I received a response from XXXX  stating that the accounts in question were deleted and removed from my credit report. I have never received a response back from Experian or XXXX. I continued to send letters to them on XX/XX/XXXX and XX/XX/XXXX. Still no response from either company. I was highly upset when I called them, and they claimed that they did not receive anything from me. When I first sent letters to them, I included a copy of my drivers license and my social security card. I am concerned that these may have fell into the wrong hands at one of these companies. 
I feel that my rights have been violated under the Fair Credit Reporting Act, please comply to my request and remove the information that does not belong to me. You can see the accounts that were disputed on the attached documentation.

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 2020-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Negligence to refund escrow funds two months after closing transaction of the sale of the property. 
I am a real estate broker licensed in California and because I understand this process, I am demanding the refund of my escrow funds. I wonder what happens with borrowers that are not aware of this process. 
As today, XX/XX/2020 we haven't received refund and we only received unreasonable excuses by email and phone calls. 
On XX/XX/2020 the sale transaction was closed and there was an escrow balance of {$2000.00} refundable to us after paying taxes and insurance. 
Initially, after waiting for Freedom Mortgage to process the refund, we called Freedom for an update and we were told that the check was mailed to the address in file. The address in file it was the address of the house that we sold. I wrote an email giving Freedom the new physical address. Freedom reply XXXX that the check was mailed to the new address, BUT Freedom didn't include Apartment number and we never received the check. 
On XXXX Freedom notified me that have initiated the process of cancelling the check and 10 days after the old check would be voided, Freedom will issue a new check. Freedom wrote : " If the funds were not cashed, we will void the check, place the funds back into escrow, and then reissue the check in the amount of {$1800.00} ''. If " funds '' never were cashed, what funds would be back to escrow? 
On XXXX Freedom wrote : " We forwarded the request to void and reissue the check on XX/XX/2020 as well to the appropriate department. The target completion date for the escrow department to review the request is XX/XX/2020 ''. 
On XXXX Freedom wrote : " Our records indicate, that the initial escrow refund check has been voided and new check will be reissued within 10 business days ''. 
My wife has been calling Mortgage on XXXX, XXXX and XXXX and get different excuses. As today, XXXX, Freedom told my wife again that the check will take 10 business days to be processed and we should receive it at the end of this week!!! 
We are lost and we really don't believe all of Freedom excuses.

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 2020-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage satisfaction Regions Bank On XX/XX/XXXX I started a mortgage refinance application with XXXX XXXX, my existing mortgagor. I had a second mortgage at Regions Bank that I decided to pay off rather than to pursue a subordination agreement. 
On XXXX XXXX, XXXX, I sent a cashier 's check by XXXX  overnight to Regions for the payoff amount of {$51000.00} and the check cleared XXXX on XX/XX/XXXX. 

Here we are, two months later and XXXX has still been unable to get the necessary satisfaction of mortgage in order to proceed with the new refinance mortgage. Obviously the interest rate lock has expired.

While I recognize the problems caused by Covid-19, this is not tolerable. 
Regions should not be allowed to be originating new loans until it gets its back office in order. 
I just received this email from XXXX I wanted to follow up with you again as we have been pestering Regions for weeks now and they still have not sent over anything regarding the satisfaction of your HELOC. 

They state that it takes 7 -10 days and all communication is through snail mail, but at this point, Im worried that we are well beyond that and we still have no response from them. 

Is there any way you can reach out to them to press them to return the documents to us that we requested? 



Thank you for your assistance.

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 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Inability to log in and trouble making and receiving credit for payments

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 2020-09-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Inability to log in and trouble making and receiving credit for payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Inability to log in and trouble making and receiving credit for payments

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 2020-09-14 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: NY

Complaint narrative:
I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have file disputes in XXXX and still havent receive anything. This should not take this long to get my results back 40 days is to long

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CO

Complaint narrative:
I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, XXXX and MRS , so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me  into paying this debt that they are responsible for. 

My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, XXXX, and MRS BPO, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/MRS BPO about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-14 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: MS

Complaint narrative:
THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Dear CFPF associates, In XXXX, I agreed to Credit Protector insurance for one of my XXXX credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  disorder that I was unable to manage. In XXXX, I had to stop working and applied for XXXX XXXX XXXX. I continued to pay all of my debts as usual. My wife reminded me about the XXXX acct. with the Credit Protector and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from Credit Protector that the job loss benefit was accepted and implemented. A few months after, I notified Credit Protector that I received a fully favorable XXXX XXXX XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their Credit Protector XXXX XXXX XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from Credit Protector stating that they accepted my XXXX XXXX  XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I was never told this was a simple interest loan. The car company had given me the car and I signed papers with another loan company. I was given the car and drove it home. Three days later I got a call from the car company and was told they were not going to give me the loan. XXXX XXXX lied to me and had already taken my car and gotten rid of it. I needed a car to work so, I had to go with the loan company that XXXX XXXX said was giving me a loan. I was between a rock and a hard place and I did find out after the fact that XXXX XXXX was lying. I am signed on to a loan for 7 years at 22 %. I am being charged interest every day. I recently called and ask them to lower my interest as I have not missed a payment. Even the extra money I pay is being taken and charged interest on it and whatever is left is applied to my principle. I called in XXXX of 2019 and asked that any extra money be applied to my principle. I found out that any extra monies are being taxed, and then applied to my principle. I was even told that it was being taken off my monthly payment and that is why my payment monthly payment had decreased. Then I was told by a manager that I  had a credit there in case I could not pay all of that month 's car payment and if I wanted to do a principle only payment that I need to send it in by itself. Please Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
as i have requested in the past, send a copy of all responses through USPS you have failed to send a response to COMPLAINT XXXX SUBMITTED ON XX/XX/2020 this XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I received a letter from PenFed Credit Union stating they were increasing my interest rate on my loan to approximately 14 % because of " your failure to provide a title for the collateral ''. 

The loan with PenFed was a refinanced auto loan where they paid off my loan with XXXX XXXX. I called PenFed and told them I didn't have the title, but would contact XXXX XXXX to see where it was and that in all my years financing cars, I had never had to chase down a title. They told me they would hold off on increasing my interest rate for 60 days while I chased down the title with XXXX XXXX. ( Spoke to XXXX ). 

I contacted XXXX XXXX who stated that the title was sent out in XXXX, 2020 to PenFed. When I called PenFed back, I got a new customer service person who told me that all they needed from me was a XXXX copy of my drivers license. I told them I had uploaded that to them months ago ... the operator ( XXXX operator ID XXXX ) was very helpful and pulled up my on-line submissions and found my drivers license. He told me he and his supervisor had put a high important email to collateral that they already had my drivers license on file and that it would be resolved with collateral. He also stated that they will contact XXXX XXXX XXXX XXXX if there was anything further that they needed on the actual title, but I didn't need to worry about it. 

My compliant is in regards to a bank being able to increase an interest rate on a collateralized loan when all they needed was a copy of my drivers license? Especially when they had an uploaded copy of my drivers license in XXXX, 2020. 

Their failure to review a document that clearly showed received in their system would have caused my auto loan payment to jump from {$430.00} per month to {$550.00} per month for their error. They provided no explanation to me as to why they needed a copy of my color drivers license and if that was a requirement of obtaining a new loan from them, why didn't they require it prior to giving me the auto loan in the first place?

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 2020-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Im a victim of

identity theft and I dont recognize one or more of the accounts on my report. I have notified this creditor of the inaccuracy and they have not ceased reporting this information. CONVERGENT OUTSOURCING, INC. has account
s assigned under my name on XX/XX/2020 and XX/XX/2020. Before this occurred, a fraud alert was placed on my accounts by all three credit bureaus. I have since been unable to stop the collection agency from reporting this misinformation to the credit bureaus and harshly affecting my credit profile.

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