vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX  XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX  XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Long story short, my escrow refund was lost in the mail and I have contacted Dovenmuehle twice about getting another check sent. I closed on my previous mortgage on XX/XX/2020. My escrow refund check was issued on XX/XX/2020. I have reached out to them after a month waiting in XXXX and XXXX. I still have not received the balance due to me or any communication that it is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Due to COVID we've incurred additional expenses and infected with COVID. We applied for the forbearance program allowed under the FHFA for relief of payments for GSE loans, we have a conventional 30 year fixed XXXX loan. On XX/XX/2020 the XXXX released new repayment options for homeowners in forbearance, reinstate your payment and the deferred amount will be added to the current loan. Repayment will trigger if the consumer refi 's or sells the home. Every letter and communication I received from Quick states I need to refi, pay a lump some, apply for loan modification or foreclosure. This is misleading, Quicken is pushing me to an option that generates fee income and falls under predatory lending by offering products that incurs fees and benefits Quicken not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well, I XXXX XXXX opened an account on the XX/XX/XXXX because of all the hacking going on with b of a. XXXX then proceeded to get a personal account with XXXX n set up an reoccurring transfer from b of a to XXXX so as I dont lose anymore money. 
Money was deposited into my account on XX/XX/XXXX ; on my b of a debit card thru XXXX, and I dont know if it actually takes 2 days to deposit into my personal account?, but I called this morning and my money isn't in my XXXX account as the transfer was made from b of a

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
I contacted several attorneys to do the closing on my XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX house and they all declined. I was told that the house was foreclosed on and couldn't be sold and I was also told that the house is in a pool of homes that can't be sold alone. I got a call back from XXXX XXXX who said that he could do the closing. Many closing documents show XXXX XXXX XXXX XXXX, XX/XX/XXXX and the seller 's section 1445 IRS tax information shows that they sold me XXXX XXXX XXXX and not XXXX XXXX. 

What it comes down to is that no one is producing the requested paper work and potential buyers are telling me that there is no title insurance. The DEED and the TITLE INSURANCE show very different locations. I need to verify is if Chicago TITLE actually issued a policy and not just a binder. The binder number XXXX is all I seem to get from Chicago when I request a copy of the TITLE POLICY. Can Chicago TITLE please verify if the commitment to title was ever issued? 

I have tried to get information about my original XXXX purchase mortgage with XXXX XXXX XXXX XX/XX/XXXX along my refinance information with XX/XX/XXXX Lenders in XXXX. So far XXXX XXXX XXXX XXXX who acquired XXXX has produced no records of the mortgage at all. XX/XX/XXXX Lenders has not produced anything to prove that the actually paid off the existing mortgage. I have requested XX/XX/XXXX Lenders to provide the lien release that should have been issued when the XX/XX/XXXX was paid off. There is no record of the mortgage being satisfied and there is no record of the mortgage being discharged. XX/XX/XXXXLenders has not produced anything to prove that they actually paid of the existing mortgage if there really was a mortgage to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has illegally re-aged a debt XXXX XXXX.. LAST DATE OF DELINQUENCY XX/XX/XXXX, XXXX.. Closed XX/XX/2016 XXXX

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I refinanced my home loan on XX/XX/2020. I wanted to pay my mortage dues twice a month so that I can save some intrest. 

But when I paid the first half of the payment, they are not adding towards my account and saying that its not a full payment. My total payment are for the month are {$2100.00} and I am sending payment of {$1000.00} twice a month and I am paying 2 weeks before the due. 

My complain is they are cashing my payments but not applying towards my account and I am still paying intrest in full even though I have paid in partial. 

This is what I am trying to acheive by paying bi weekly XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous SYNCB/SAM 'S PLCC Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment SYNCB/SAM 'S PLCC Inquiry : XXXX XXXX, XXXX

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 2020-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
SunTrust Bank put a hold on XXXX from my checking account to pay back a debt I wasn't aware of. This occured of XX/XX/16. My account went negative. In addition to the hold, they've also debited the same amount, essentially leaving me XXXX in the hole. I have returned item fees adding up because of this. The hold isn't set to expire till tomorrow, I can't get any information out of these people. It's almost unsurvivable.

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 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Plus Inc
State: CA

Complaint narrative:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
The collection agency IC Systems is showing on my credit report with the original creditor XXXX XXXX XXXX. I have not had any service with XXXX XXXX XXXX for over 8 years, and at that time I paid the final bill in full, and there was no money owed. I sent a letter to the company requesting validation of the debt, and have not received any response from them, and it has been over 30 days.

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 2020-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I made a payments on XX/XX/XXXX and XX/XX/XXXX and received email confirmation that my payments would be post-effective as of these days. However, the company Kia finance posted my payments that effective as of XX/XX/XXXX and XX/XX/XXXX. When I reached out and spoke with someone in the escalations team by the name of XXXX as well as I spoke with a supervisor by the name of Ever. They refused to escalate my issue to the ombudsman or to do anything to correct the issue of my payments being posted effective as of the date that they are legally required to be posted based on my contract. The supervisor by the name of Ever told me that they would open up a internal ticket but they would not contact me to advise me of what was being done with the internal ticket.

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 2020-11-18 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: PA

Complaint narrative:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX  XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter

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 2020-11-18 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: FL

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX  and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with TransUnion and XXXX, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in 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 explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: LendUp Loans LLC
State: CA

Complaint narrative:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I'm was not aware of this debt by this collection company and did not have the opportunity to dispute. In addition, this is a re-inserted, which is against the law per the Fair Credit Act. 

Please provide the assignment of debt, method of verification, validation of debt and copy of certified mail with receipt, showing I knew of this debt. 

In addition, XXXX XXXX XXXX # XXXX had this account and it was DELETED. 

Then popped back on my credit report with DIVERSIFIED ADJUSTMENT # XXXX This account was re-inserted!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: NJ

Complaint narrative:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 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: SCA Collections, Inc.
State: NC

Complaint narrative:
was paid in full and no update still says needs attention.. been over 2 months

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 2020-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We started the refinance process with Citizen 's Bank on XX/XX/XXXX. Citizen 's sent an email with various documents to be reviewed and signed, which we did on XX/XX/XXXX. 
An appraisal. was done on XX/XX/XXXX at a cost to us of {$580.00}. 
On XX/XX/XXXX, a processing specialist sent an email stating the loan is conditionally approved and she had a few questions and document requests. on XX/XX/XXXX, we answered all requests. 
We have reached out to the loan officer numerous time and been told there's a backlog. 
After 4 months, we called corporate and asked to speak to his supervisor. We call the supervisor multiple times and he never responded. 
We feel like we've neem taken advantage of since we've spent {$580.00} on the appraisal and still haven't received the loan. We could have went to another bank, but they would want another appraisal at our cost again. 
We've called the PA Banking Commission and they referred us to this office. 
Thank you, any help in this matter would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Bank XXXX XXXX XXXX XXXX SYNCB/LOWES XXXX Inquiry : XX/XX/2020

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 2020-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Date of Occurance : XX/XX/2020 Times of Phone Calls : Call 1 : XXXX XXXX eastern standard time Call 2 : XXXX XXXX eastern standard time Date of both calls : XX/XX/2020 Violation of FDCPA Subsection 806 article 5. 

Second Violation : Article 6 : Failure to give meaning disclosure about the nature of the call. 

Description : Agent failed to identify themselves and their purpose unless it was me personally and even then failed to until I confirmed who I was. Didn't even say something as simple as a debt collection attempt.

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 2020-11-18 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: FL

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the THIRD complaint I have had to make about the lack of response. My first was made on XX/XX/2020 with XXXX and was accompanied by a dispute submitted directly to the bureau ; the dispute number was XXXX. The second was made on XX/XX/2020 with XXXX and Equifax, which were also accompanied by a dispute submitted directly to the bureau ; those dispute numbers were XXXX ( XXXX ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from the bureaus since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by ANY of the bureaus to resolve anything. Data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Equifax and XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation