vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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:
TransUnion continues to violate my rights under the FCRA Section 1681 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). TransUnion has provided false information to the CFPB and myself as to an investigation into the account listed below, on three different occasions, and they continue to violate my rights under the FCRA. I DEMAND THE FOLLOWING ACCOUNT BE DELETED IMMEDIATELY : XXXX BANKRUPTCY/ DOCKET NUMBER XXXX or I will hold TransUnion liable for up to {$1000.00} per violation of the FCRA.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Around XX/XX/XXXX i was scammed by an online scammer who posed as a young woman who is knowledgeable about trading and investing in crypto. she advised me to invest in this Fraudulent company named XXXX XXXX  XXXX. After I Invested a large sum of money both she and the company stopped all forms of communication with me and i was unable to withdraw my funds. 
I lost XXXX BTC which is XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
During the covid pandemic, I was told by my mortgage company ( Flagstar bank ) that I would be getting a forbearance on my loan, which I did not request. When it came time to start payments, I spoke to a representative at the bank who told me that the payments missed would be added to the end of my loan, without interest. As I have been trying to refinance my loan, I am now being told that I owe almost {$30000.00} for " missed '' payments. So while I paid {$220000.00} for my home in 2017, they are now telling me I owe {$230000.00}. How can I owe more than I paid for the home??? I called, emailed and asked numerous times for some to explain this to me and they keep saying they will reach back out. Another company, XXXX XXXX is now servicing my loan, so I am assuming they paid off the $ XXXX but again, how could I owe more than I paid for the home after making payments for 7 years?

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 2022-08-03 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-03 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I went on Forbearence starting XXXX of last yr. My mother and stepfather co-signed. I am permenantly XXXX and low income. She was giving me money/mo to help and then couldn't. They then both passed away on XX/XX/XXXX. I found a lower ins co and resumed paying the loan in XXXX of this year. I started getting late fees in XX/XX/XXXX. The late fees were reversed. Soon after, I noticed that none of my payments were being applied to the loan. {$7900.00} in total. I sent ( message center, TX, CA ) 2x to payment center, the payment hx from my bank and asked that this be corrected. I can never get anyone to help me. Today on loan activity I see charges for a foreclosure lawyer, title, and also property inspection along with late fees. According to the Care Act, this should not be happening. Please help me. Obviously PennyMac could care less in helping me keep my home. They would rather seize it then correct this catastrophy of an error. And where did all that money go if not on my account? The loan is in good standing as I have given proof to all PennyMac headco. And yet they are still continuing with the foreclosure of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: FL

Complaint narrative:
XXXX XXXX PARTIAL ACCT # XXXX this collection does not belong to me. I do not have a financial obligation with XXXX funding. 

I HAVE ASKED FOR VERIFICATION FROM THIS COMPANY AND THEY HAVE NOT SENT ME ANY VERIFICATION SHOWING TO ME THAT THIS I MINE. PLEASE HELP ME RESOLVE THIS AS IT IS HURTING MY CREDIT REPORT AND SCORES AND LASO IT DOES NOT BELONG TO ME EQUIFAX I INCORRECTLY REPORITING INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
For many years I was a responsible XXXX XXXX XXXX XXXX member. I made payments on time and went so far as to put my card on a HOLD until I had the balance paid in full. I paid the balance in full on XX/XX/22 in the amount of {$150.00} with check # XXXX. That month XXXX XXXX was bought out by Marcus : by Goldman Sachs card. I received a bill for {$9.00} for XX/XX/22 and {$9.00} for XX/XX/22 for charges from a company that was able to bill the Marcus : by Goldman Sachs card. That company was XXXX. I called XXXX and learned that my account with them was canceled and that the bills to the Marcus card were made in error. I called and asked Marcus : by Goldman Sachs to open a case investigation into my account. I spoke to XXXX on XX/XX/22, then XXXX on XX/XX/22, and then XXXX also on XX/XX/22, from the Specialist department, XXXX, who stated that a credit would be applied in the next 2 billing cycles and that Marcus would call if they needed further information. I received letters with Dispute ID # XXXX and # XXXX informing me that the card disputes for {$9.00} and {$9.00} were credited to my account. However, the interest charges and late fees were NOT credited. I asked for disputes to be placed on the late fees and interest charges. Only the interest charge of {$0.00} was credited back. The {$40.00} late fees were NOT credited back. I called and spoke to XXXX on XX/XX/22 and then spoke to XXXX and XXXX on XX/XX/22. I was told by XXXX that the late fees were not reversed because the department that deals with late fees found that no error occurred. The Specialist XXXX said that she would put in another dispute for the {$40.00} late fees, however, she did not feel that they would get refunded because they had deemed it as no error occurring. XXXX did admit that the HOLD that I placed on the account when it was owned by XXXX XXXX was lifted during the conversion to Marcus : Goldman Sachs. I never authorized the hold to be lifted. I should not have a balance at all with Marcus : Goldman Sachs. I never made charges on the account. I was told by XXXX that I would need to make payments on the account anyway. I was told by XXXX that this was not an escalated complaint and there was no one else I could speak to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our USDA loan was in a COVID-19 forbearance for 12 months under the CARES Act. Prior to forbearance ending on XX/XX/22, and on several occasions since then, we have attempted to reach our servicer, LoanCare, to exit forbearance and bring the account current, including by phone, fax, email, and mail ( see enclosed contact log ). We have repeatedly requested to resume our contractual payment and retain the original terms of the loan, deferring the past due balance to the end of the loan. LoanCare has erroneously advised us that USDA loans are not eligible for deferment and that the only option to exit forbearance is a Loan Modification, which would change our interest rate and payment terms. This is incorrect according to USDA, HUD, CFPB, and even literature published by LoanCare. LoanCare has neglected to abide by the guidance of the aforementioned agencies who regulate the implementation of the CARES Act regarding COVID-19 forbearance. The guidelines are clear. Resuming our contractual payment and deferring the past due balance to the end of the loan is one ( of multiple ) options available to us as USDA borrowers. LoanCare has ignored our multiple requests, insisting on Loan Modification only. On XX/XX/22, we received Loan Modification documents from LoanCare in the mail that we did not want or request. LoanCare has failed to provide us with all available repayment options in accordance with the protections provided by the CARES Act, which they are obligated to do.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AR

Complaint narrative:
I have approximately XXXX missing off of my card. I have tried to contact them at XXXX and XXXX and I can not get anyone on the phone to discuss the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. 
We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd  half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. 


My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. 

PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. 

The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. 


XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-03 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2022-08-03 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
REF number : XXXX On XX/XX/2022, American Express XXXX against me, after running my credit, and send me a letter that my application was not approved. I can break down all of these terms, " Credit '', " application '', according to federal laws but I will hold off for now. I am looking for justice, as this is discrimination against my personnel, and my character. They did not even interview me for my consumer report. 

I am hoping to get this situation resolved right away!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-08-03 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/22 I disputed account on XXXX and XXXX against Santander consumer usa because its shows two different payment months. XXXX shows XXXX and XXXX shows XXXX.Both can not be correct and it keeps getting verified as accurate.This is the fourth attempt and nothing is changing which is affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ) and to move back the date my payment is due by a week because that is when I get paid. Instead, I have been charge 4 late payment fees totaling {$160.00} and interest at 25 %. For instance, I made a {$1000.00} payment a few days ago on XX/XX/XXXX and they still charged me a {$40.00} late fee. ( I was late by 3 days after I had asked them to change my payment date. ) I don't understand why they are doing this and are not honoring their agreement. I will pay my debt, but I'm asking them to live up to their agreement and remove both the {$160.00} worth of late fees and the many hundreds of dollars they have overcharged me in interest. And on a personal note, I thought this was the way it's supposed to work ... in the sense of, a person is struggling and they contact a company to help them during a rough time and the parties come up with a reasonable solution. I've held up my agreement but Discover continues to overcharge me and seem uncaring about a medical condition that is placing me into severe financial difficulty. I am asking for your help as each time I contact them, they give me rote answers and false promises that they will get it corrected. I am at wit 's end with Discover and need some help. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have 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 non-monetary relief
Consumer complaint received 2022-08-03 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: IL

Complaint narrative:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have 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 non-monetary relief