vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We received a letter in the mail in late XXXX or Early XXXX alerting us that our Escrow account had about a {$5000.00} deficit and that our mortgage payment would be increasing if we did not pay the amount in full. 
I called XXXX XXXX immediately to see what had happened as we had never missed a payment nor had we seen any significant increases in taxes. 
In doing their research they were able to find where they had sent out my tax payment twice. I was informed then that it would take 60 days but they would have my account sorted out by the first of the year and that the increased payment wouldn't be effective. I had to call in the months of XXXX and XXXX to make my payment as the online and automated systems were requiring me to pay the increased amount. Each time I was told they escalated the situation to get it resolved and it should be done within 48 hours. My mortgage payment went from {$1300.00} to {$2200.00}. A MONTHLY increase of {$900.00} due to their error. XXXX comes around and I call every other day to get this resolved as we are now passed the 60 days I was initially told and I am concerned about this still not being resolved after multiple attempts. I was advised that if I make the lower payment that my mortgage was originally at it may get reported as a partial and not full payment. They advised me to wait to see if the payment gets fixed before the XXXX of XXXX where it would then be considered late. XX/XX/XXXX arrives and they have now " fixed '' my payment to {$1400.00}. Which is still an increase of {$110.00}. We make the payment as to not get a late fee or have a negative impact on our credit. I called to determine why my payment had increased {$110.00} a month as this is another {$1300.00} a year yet my taxes actually went down for XXXX verses XXXX. They explain to me that even though they made errors on my account months ago that they have me scheduled for my yearly escrow analysis in XXXX and the would look at adjusting my payment accordingly then. My account has been incorrect for months. I asked them to escalate my escrow analysis to be done this month so the payment can be accurately reported and they told me my request had been denied. I am now having to pay an increased payment amount in the midst of a global pandemic due to their error. They were not even able to explain to me where the new number of {$1400.00} had come from. If my account didn't have a proper analysis done then there should have been absolutely no increase until that time. I am constantly told that " they have escalated my concern '' with no resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: AL

Complaint narrative:
In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX. In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but Equifax  and XXXX  continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: North American Asset Services, LLC
State: CA

Complaint narrative:
I reported that my information was stolen. I never opened a credit card with XXXX account on my credit report XXXX. I called stated I never opened a card with XXXX, they said they were going to investigate. Never heard back from XXXX Back. I called a few times with no response, I need this to be resolved I wasn't able to purchase a house for my son and me and this is heating my credit to provide a home for my son and me. Please I need your help to clarify this matter.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-19 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:
On XX/XX/2021 I spoke with XXXX  XXXX  XXXX  in Utah and they told me that a debt that is reported on my credit report for {$500.00} from XXXX XXXX was my debt. They explained that the accounts reported address was XXXX XXXX XXXX in XXXX, GA however I never lived in Georgia. I did a lookup on the address given and there is a XXXX XXXX XXXX that lives there, my previous name was XXXX XXXX XXXX but I live in Florida. I explained to them that this was NOT my account and they stated I would need to go fill out a police report, spoke with police department who stated to come in and fill out report, I am not driving to Georgia to fill out a report! 
Sent letter to Transunion and XXXX XXXX XXXX, Transunion indicates the following : INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

Again, this is NOT my account. Please advise.

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 2021-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I called XXXX XXXX to remove my consumer dispute on XXXX on XX/XX/XXXX. It was done immediately and reflected on my consumer copy of my credit report. 
I called XXXX  on XX/XX/XXXX to remove my consumer dispute. It was done while I was on the phone with XXXX  and reflected in my consumer copy of my credit report. 
I have called Equifax on XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 2 times ), XX/XX/XXXX ( 4 times ), XX/XX/XXXX ( 3 times ) and again today XX/XX/XXXX ( now on hold on my 3rd attempt ) to get my consumer dispute removed from my credit report. Every single time I call into Equifax I am given inaccurate information and told something different every single time I call in. I have also been hung up on numerous times by Equifax including supervisors hanging up on me. I was on the phone with them for over 2 hours this morning again trying to get my consumer dispute remark removed from my credit file. This does NOT take 30 days to correct as it is a dispute that I put on there. Anytime a consumer calls to remove personal information or correct it that is done immediately. Just as it was done when I put this request in to XXXX  and XXXX XXXX. It was done immediately. 
I was going to file this complaint with the XXXX  but going to their XXXX  page there are over 3,000 complaints about these very things I am filing my complaint with you about. 
I am XXXX and I am trying to get a refinance done on my house. In order to do my refinance I need my credit report to be accurate. However, Equifax is making this near impossible and every single time I call I am told wrong information. 
When I finally talked to XXXX a different supervisor on XX/XX/XXXX he got it removed personally and told me if it wasnt showing on my consumer report with Equifax to call him on Tuesday and let him know. That is the over XXXX hour phone call I had with them this morning and was hung up on by a different supervisor. These people are INCREDIBLY rude and lie all the time about the consumer 's reports. I am fed up and they are making it impossible for me to get a refinance done because of their shady business dealings and lying to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WI

Complaint narrative:
I lived in XXXX XXXX XXXX  from XXXX XXXX XXXX in XXXX XXXXXXXX. Then I moved to XXXXXXXX  for my new job. 

Before I moved, I had checked my XXXX XXXX account to see if I owe anything or to if I could even get my deposit back and it said XXXX balance and it still does. ( See Attachment 1 ) However, 1 year after I moved from there, I received a notification from the credit bureau that I a collection agency called IQ DATA INT had reported an unpaid debt which I was never aware nor notified. 

The property management had all the necessary information to communicate the debt to me but they didn`t. ( Please see the attached document from the property management`s website ) .The collection agency IQ DATA INT didn`t communicate to me either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: AL

Complaint narrative:
I initiated a dispute with the company ProCollect , Inc on XX/XX/XXXX about the validity of debt and then about settling the debt and getting it removed off my credit reports on XX/XX/XXXX to no avail. I've tried to email and get ahold of a Mr. XXXX but I'm not having any luck. It is now XX/XX/XXXX and I'm still not getting anywhere with this company. I've mailed out a dispute letter 3 weeks ago to settle this debt and no response from this company. I want this account removed from my credit reports now! They agreed to remove the account after several disputes and complaints last year yet the account is still reporting. The account # is XXXX. I attempted to call a Ms. XXXX at the number XXXX ext. XXXX on XX/XX/XXXX but I didn't get a chance to speak to anyone. I called the customer service number and asked to be transferred with Ms. XXXX and the call was dropped. I want this account removed from all credit reporting agencies and I need something in writing stating they will remove the account. 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 2021-01-19 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: AL

Complaint narrative:
In XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account number XXXX, XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months, this is a violation of the FCRA 30 day investigation policy. Also This credit bureau is continuing to report the XXXX XXXX  account that should have been removed by order of the XXXX XXXX  company. I inserted a letter with my dispute in XXXX stating that the bureau should have removed this from my report but I'm still reporting. XXXX  removed this from my credit report but XXXX  and Transunion continued to report it as a closed account when it should have completely removed By the assertion of the letter. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. 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 non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid {$8000.00} off on my credit report and had credit accounts removed and it lowered my score the credit bureaus are not correct when its my life and the documents speak for their self

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 2021-01-19 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: AL

Complaint narrative:
This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet Experian, XXXX  and XXXX  continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: NC

Complaint narrative:
On XXXX2020 I funded an account with Etoro cryptocurrency exchange. 

After funding the account, I purchased {$4000.00} of tokens. 

I have been trying to transfer my purchased tokens to Etoro 's wallet and the company will not allow the transfer. 

There is supposed to be a 7 day hold period, but the company has not removed the block to this date which is over 35 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: TX

Complaint narrative:
To Transunion & XXXX  -- -- - XXXX  XXXX XXXX  XXXX  repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.

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 2021-01-19 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: TX

Complaint narrative:
To XXXX  & Experian -- -- - XXXX XXXX XXXX XXXX repeatedly labels all and every request and complaint with Consumer Financial Protection Bureau as duplicate even though they have yet to reply and answer any request or explain themselves. XXXX  XXXX is mocking our government. They are either understaffed or having money problems. I will not stop until I receive an explanation or a valid permissible permission subsequent to the fraudulent loan # XXXX together with copy of the credit report that was pulled. Failure to comply with obligations under the FCRA is a negligent violation.

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 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
tried to transfer funds using the online app Cash App, when transferring funds the system would not transfer, so retried transfer and it went through. I immediately notice the transfer went through twice. I tried finding out on the app how to stop second transfer. Once I was told by friend to ask the receiver to transfer by asking for the amount using the request button. when they refused I went to XXXX to find out how to contact Cash App, there are no way to contact XXXX or Cust service using this App. I found away to contact Cash App & email the transaction information. I received a response saying Cash App was not responsible even it was a system error. I tried to escalate & always get same response Cash App was not responsible. Filed XXXX  complaint & Cash App still refused to refund the Amount of {$50.00}. 
Also I received a payment for {$40.00} using Cash App. Cash App received but was never deposited in my checking card. Contacted Cash App via email & have not got a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
After numerous attempts to contact Capital One Auto Finance regarding multiple errors in account management, account maintenance, and reporting they still refuse to follow the law and correct my credit report. The office of the President has made a haphazard effort in resolving this matter and tried to circumvent the law in this case. No one asked for a poorly written letter of fault, but no action. I asked for proof. Proof of these payments being late. SHOW THE STATEMENTS dating back from XX/XX/2020. 

Violation one- I mailed my first complaint about this issue and capital one acknowledged and received the first complaint XX/XX/2020. I received no response or proof that this account was late. It should have been deleted after 30 days. Nothing was done. 

Violation two- I contacted them via fax before XX/XX/2020 after speaking with their manager who acknowledges the capital one made a mess of my account. No response was given. 

Capital one locked me out of my accounts making it difficult to make payments on the account, but still I had to finagle multiple calls making blind payments despite having no access to my records, statements, balance, or status. 

I have a 5 day grace period from the XXXX of each month. SHOW THE PROOF OF THE LATE PAYMENT. And not a secretly manipulated BACK DATED docuement, but the truth-in lending statement of account sent to me about the balance of this account, the payments made and the next payments due. Pay close attention to my experian credit report. THEY REMOVED THE LATE PAYMENT FROM THE NOTES, but not from the history. Stop covering up all the numerous accounting mistakes and stop being vindictive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: CA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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