vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
I am a XXXX XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX XXXX   department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

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 2020-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage. 

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested Experian XXXX and XXXX remove the hard inquiry.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I called MandT Bank ( MTB ), XX/XX/XXXX at XXXX and spoke with a rep about the calculation of the mortgage escrow which I believe to be wrong. 

We are in agreement that the monthly mortgage escrow before shortage should be {$1200.00} per month required annual mortgage escrow is 14 months at {$1200.00} or XXXX. 

Beginning escrow balance is {$7300.00} a/o XX/XX/XXXX. 

escrow payments from XX/XX/XXXX to XX/XX/XXXX total XXXX this would bring the total escrow to XXXX well above the required escrow of 14 months of {$17000.00}. 

The woman who answered the phone started the conversation by telling me she does not have the ability to calculate whether the escrow is right and it is done by computer. 

she kept saying the bank 's calculation is right with no explanation. 

I asked her how she can be so sure the Bank 's calculation is right when she told me she didn't know how to calculate an escrow earlier in the conversation. 

she hung up without saying anything. 

I did not raise my voice, but obviously, MTB 's training leaves a lot to be desired.

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 2020-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I continue to receive collection letters from Fein, Such and Shepard PC. XXXX XXXX XXXX XXXX , XXXX is an infamous debt buyer, buying up portfolios of old debt. one- they do not tell you who the original debtor is, second if it is who I think it is the debt is from 2010 and is now 10 years old.  according to the state of NJ statue of limitations the max year to collect a debt is 6 years. This company who was original XXXX 's XXXX who was sold by XXXX  and so on. This was never on my credit report and even if it was the debt is now 10 years old and would now be eligible to be removed from my credit report. I have numerous times, sent different collection companies back a letter stating that this debt is old and to not contact me any longer. this has not stopped. I continue to get harrasing phone calls when I tell them to stop calling me and they call odd hours as well. now I am getting threating letters of a application for a wage garnishment at my JOB for a debt that is extremely old. when I call the courts they have no case on this yet I have a case #. is this just there way to scare me, which I don't appreciate it. especially with all the illness I got going on. this is an old and debt and I would like this to be removed. 

file # XXXX docket # XXXX thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I recently filed a report with XXXX, XXXX, and XXXX  of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX & XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. Equifax & XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from Specialized Loan Servicing Company. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what Specialized Loan Servicing sent to them.

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 2020-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Management Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX Regional Finance located at XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XXXX attempted to contact me at work again, I have told them before that they can't contact me at work. This is not the first time they have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
DID NOT RECEIVE MY 1099-INT FOR TAX YEAR 2019. CAN NOT FILE TAXES DUE TO BANK ERROR OF NOT MAILING IRS 1099-INT 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 2020-03-03 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
XXXX Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from American Express. Additionally the date that the American Express account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and American Express and/or XXXX have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. 

The amount was disputed because American Express failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. 

Previously I tried to submit the dispute online with XXXX, but their web portal won't allow a consumer statement. At my request, XXXX escalated the matter to a XXXX XXXX, supervisor of technical services, but  XXXX advises that she is not willing to correct this problem, and that what I see is what I get.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a checking account with citibank and have wrongfully been denied availablility of my funds from my VA benefits. I have tried to resolve this with the bank many times includint today at XXXX via phone and was told that i would have access to my funds immediatly and which was a lie. I would like this bank investigated for giving false information numerous times regarding my account and have caused me to get behind on bills and issues getting appointments.

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
Money sent via Zelle was sent to wrong mobile number and accepted by the person. 

I was given a phone number, which was incorrectly provided to me, and request for funds transfer was sent using Zelle via my XXXX XXXX XXXX  account. I was asked to verify the number and transaction, which I did, and the funds were transferred - easy right? yes. maybe too easy! 

I realize this is not an issue with the Zelle service per se, however, it would be wise for Zelle to implement a requirement in the feature that a {$1.00} or low value transaction be processed the very first time the service is used between new numbers, emails or contacts. This would allow the person initiating the funds transfer to ensure that the {$1.00} actually got to the person/number/email, that it was intended to go to. Once the low dollar transaction processes is confirmed, then larger amounts could then be transferred with confidence. 

In my scenario, the mobile number given to me by a real estate agent for a contact of hers to do work on our condo was incorrect. I confirmed with her the mobile number and then sent {$700.00} on XX/XX/20 off to the persons mobile number. I confirmed the transaction and money was sent. However, when the intended person never received the funds, only then was when we realized that the real estate agent incorrectly typed the mobile phone number that she told me to transfer the money to. 

I contacted my bank who put me thru to Zelle who returned me to my bank and neither of them can take any action to help me except provide the name and number ( that I already had ) so that I could then reach out to the person myself to attempt to get the money back. Like that's gon na happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AES/PHEAA
State: OR

Complaint narrative:
Company is wrongfully reporting that I was late in paying three of my son 's student loan payments. I had no notice that payment was due for my son 's account nor did I know that payment had not been made. I should not be reported as having been late in making payments I did not know were due. When the credit alert service I subscribe to notified of company 's erroneous report regarding my credit I immediately contacted my son and made sure he rectified his accounts. In addition, the report is misleading as it refers to three separate accounts and yet lists just one account number for each separate erroneous report. This has caused substantial harm as the summary is that I have " too many '' installment accounts with a delinquent or derogatory payment status. Further it is misleading as it does not reflect the fact that I was a co-signer who was not informed a payment was due from the debtor. These wrongful actions have caused me substantial damages and prohibit me from refinancing my home. My credit would be perfect but for these wrongful reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of my credit report immediately.

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 2020-03-03 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt to my credit that is no longer valid. This account is past the Statue of Limitations in Utah and I no longer owe this debt. I would like it removed off of my credit report immediately.

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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
DID NOT RECEIVE MY 1099-INT FOR TAX YEAR XX/XX/2019. CAN NOT FILE TAXES DUE TO BANK ERROR

Company response to consumer: Closed with explanation