vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: On Q Financial
State: CA

Complaint narrative:
Previously, the lender failed to pay the insurance on the property from the escrow account. After calling, promising the issue has been resolved, I continued to receive delinquent notices from the insurance. The bill which was due I notified them of the delinquent payment on XX/XX/2021. The bill wasn't paid until XX/XX/2021. 

Currently, the lender has failed to pay the property taxes from the escrow account and there is a late fee. I was told this has been " escalated to management '' but I can not contact anyone, and can not get them to just pay the bill. 

This appears to be a habitual problem with their escrow 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 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have had multiple phone calls with XXXX XXXX to try to fix this issue since XXXX of XXXX. Multiple cases have been opened and there was part of the issue fixed in XX/XX/XXXX. More cases were open to fix the second part and nothing has been done since. 

XXXX XXXX did not pay my property taxes in XXXX of XXXX. In XXXX of XXXX, I received a tax bill from the City with increased property taxes, supplemental taxes, and penalties and fees. I have a tax abatement on my property that the city took away for XXXX which retroactively impacted my XX/XX/XXXX tax payment and XX/XX/XXXX tax payment. They took the abatement away because of the missed XX/XX/XXXX tax payment. 

My tax bill was {$1100.00} in XXXX of XXXX and should have only been {$1200.00} in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX debited my account {$1900.00} for city taxes, {$810.00} for supplemental taxes, and {$78.00} in tax penalties and fees. After multiple phone calls, a property tax refund was issued for {$890.00}. This was a credit for the {$810.00} supplemental taxes and {$78.00} in tax penalties and fees. 

I have tried to get XXXX XXXX to refund me the difference between {$1900.00} in city taxes and the {$1200.00} that was actually due. I should not have to pay the higher city taxes because of a mistake on XXXX XXXX 's part of not paying my XX/XX/XXXX taxes. Each time I call I get told a case is being opened up. In XXXX, I was told my case was being expedited to a team who would give me an update in 4-5 business days. 

I called back in today and was told to send a message in the portal and then call back and try to speak to a supervisor. She told me she did not have a process that could help me other than to try to find a supervisor to speak to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
FCI Lender Services INC and XXXX XXXX XXXX, Defined Benefit have both declined modification and extension of my loan with payments that I can afford repeated request have been met with denials

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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: R & B Corporation of Virginia
State: NV

Complaint narrative:
CREDIT CONTROL CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$100.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 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: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.

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 2021-06-23 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: DE

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, that time has lapsed so they should be deleted promptly. I demand this inaccurate information be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the equifax data breach and may gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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:
The 3 credit bureaus are not responding to my disputes

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 2021-06-23 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:
The 3 credit bureaus are not responding to my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, applied to check of interest rate to support a refinance through company. On XX/XX/2021, spoke via phone to XXXX XXXX regarding the differences between a 15 and 30 year refinance and explained I was vacillating between deciding which would be best for my situation. During this discussion, XXXX advised that I was in a really good situation in that I could chose one or the other and then later decide which was the best option, while the closing of the refinance took place. On XX/XX/2021, identified via XXXX, company offering more favorable loan terms that I requested be adjusted with my pending loan/refinance application. After speaking to XXXX XXXX, who was stepping in to assist XXXX, that XXXX, in fact, has a float down policy and that I would not be able to make the requested, favorable adjustments found on XXXX. I am of belief and suspicion that XXXX knowingly asserted the ability to float to potentially better terms or 15 vs 30 year refinance options as a way to influence my decision-making to begin the process based on what is now manifesting to be false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.

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 2021-06-23 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: IL

Complaint narrative:
I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. The following information is outdated. I would like it removed from my credit history report. Amount reported by your Bureau is wrong, date opened on account is wrong, you have been violated the LAW. 
I was never late on this account. Balance is wrong, date of opening account is wrong. 
XXXX XXXX  XXXX Account Number : XXXX Please investigate and delete from my credit report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I have been a loyal customer of PennyMac since XXXX. when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with PennyMac again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to PennyMac was effective on XX/XX/XXXX for the full loan amount, but to my surprise, PennyMac has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted PennyMac to inquire about this misunderstanding, and after an hour on the phone, PennyMac stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from PennyMac nor seeing any improvement in my credit, I contacted PennyMac again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting experian and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, PennyMac that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX, VA took over my mortgage loan from TIAA  Bank. I paid off my Mortgage through a refinance. THERE IS AN OVERPAYMENT BY THE NEW MORTGAGE COMPANY OF {$1500.00} AS WELL AS {$1100.00} ESCROW BALANCE AS OF XX/XX/21. NEED YOUR HELP AS NEITHER LOANCARE LLC OR TIAA BANK HAVE ANY WAY OF BEING CONTACTED e-MAIL OR TELEPHONE. PLUS THERE ARE HUNDREDS OF SIMILAR ONLINE COMPLAINTS ABOUT THIS GROUP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
CONVERGENT OUTSOURCING is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-06-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 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: I.C. System, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-06-23 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: NJ

Complaint narrative:
I sent a settlement payment in XX/XX/2020 to XXXX XXXX  XXXX. My report still does not reflect this payment and settlement. The balance remains. I disputed it 4 times and sent the copies of the money order to all 3 credit bureaus. No resolution.

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 2021-06-23 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I reached out to the company via letter regarding this account reporting a balance and still open even though this account has been charged off. My letters were never responded back to, and l left me feeling like there was no hope in clearing up this error. This wrong reporting are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I keep getting calls from CACi regarding a a payday loan that is over 7 years old. I have paid all my payday loans and have not used payday loans in over 7 years. It keeps showing on my credit report with incorrect dates and they keep calling me even though I have informed them that all my payday loans have been paid and they are trying to collect on something that one, doesn't exist and two, is over 7 years old.

Company response to consumer: Closed with explanation