vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-10 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: MS

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section XXXX ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My mortgage company is saying I am in default because I have not paid the correct amount of taxes and insurance towards my impound account. I have supplied them with a copy of my current property tax bill but they have disregarded it and arbitrarily using a number 151 % above my current tax bill. They raised my monthly payment from {$2100.00} per month to $ XXXX month. 

XXXX annual taxes are XXXX / XXXX = XXXX Insurance {$640.00} / XXXX = XXXX P & I Payment is only XXXX My total payment due should be XXXX They sent me a letter stating they will return any payment less then the new full amount and I am in default and they are going to start foreclosure on my house. 

I just refinanced XX/XX/2020 and they took XXXX for tax impounds and {$910.00} for insurance. It is numerically impossible for them not to have enough money in my impound account to cover my taxes and insurance. 

Every time I call UWM I am passed around and disconnected. No one seems to know what they are talking about. Now they are saying my account has been referred to collections and they can not talk to me anymore. Please help I have never been late with any obligation in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Lender is XXXX XXXX servicing a XXXX XXXX. 

Lender website only indicated that I owed {$510.00}, but lender reported to all credit reporting agencies that I owed the total amount of the loan ( just under {$12000.00} XXXX. However, this loan was actually paid off in full when I refinanced at the end of last year. I received a letter from the new lender ( under which I refinanced my loan ) on XX/XX/2020 indicating that payoffs have been sent to University Accounting Service , LLC ( UAS Connect ). Despite this, the loan servicer reported that I was 30-59 days late on my XXXX loan payment. Furthermore, the loan servicer reported that not only was a regular payment due, but that the total principal of the loan was the amount due in XXXX. This severely impacted my XXXXredit score. After noticing this on my credit score, I went to the website and noticed that the only amount the servicer would allow me to pay off was {$510.00}. I paid this off in order to resolve the credit issue. Shortly after paying this off, I received a notification that I was actually owed {$510.00}, despite the fact that my {$510.00} payment was made in accordance with what UAS Connect indicated to me was the total amount due at that moment. 

It is entirely unacceptable that a loan servicer would behave in such a disorganized manner, especially when their disorganization directly impacts my credit score. My payment history attests to the fact that I had been making payments on time consistently until UAS Connect 's mixup in XXXX. UAS Connect 's incorrect reporting caused my credit score to drop 48 points. 

I was forced to file disputes with all three major credit bureaus regarding the loan amount. Apparently, UAS Connect had not even changed the status of my account for the past few months, despite my refinancer sending the payoff in late XXXX. Upon receiving my dispute, UAS updated the status of the account but did nothing to alter negative remarks to the credit score. 

This is a clear violation of Section 623 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XX/XX/XXXX I disputed a collection acct from Portfolio Recovery XXXX. I asked to them to verify the account was mine. They sent me a bill of a XXXX account that is not mine. I asked them to delete it. 

XX/XX/XXXX I dipsuted a collection acct from Portfolio Recovery XXXX. I asked to them to verify the account was mine. They sent me a bill of a XXXX account that is not mine. I asked them to delete it. This is really hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank blocked my account from XX/XX/XXXX, because they told me that it was in the process of closing, that they were going to close my account and that the money that was in the account would be sent to me in a check. The reason they closed it to me was because the bank doesn't want any more relations with me, that's fine. But that was on XX/XX/XXXX and we are on XX/XX/XXXX and they never sent me anything, and when I call they only tell me that the account was blocked and is in the closing process, and that when they close it they will send me a check, it The same thing that they told me since XX/XX/XXXX. They have always told me that the process according to Citibank lasts from XXXX to XXXX business days but 7 months have already passed and they do not tell me anything about my money, they only have no more information and that's it. I had almost {$2000.00} in the account and it doesn't say anything.

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 2021-03-10 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: FL

Complaint narrative:
I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX  was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

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 2021-03-10 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: FL

Complaint narrative:
I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: FL

Complaint narrative:
I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX was unable to process a payment in XXXX, XXXX. XXXX Bank indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.

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 2021-03-10 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: MS

Complaint narrative:
i recently check my credit report and notice that there were an inaccurate bankruptcy reporting on it, so i sent letters to all 3 CRA 's ( Transunion-01/27/2021, XXXX  - XX/XX/2021, and XXXX  - XX/XX/2021 ) and neither of them has deleted or verified it.It has been over 30 days since i send it out certified mail/RRR. i have attached the copies below 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 2021-03-10 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 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: IN

Complaint narrative:
I sent in to transunion to remove inquiries that arent mine! They are as follows XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencing XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2.

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page XXXX. 

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to Cal. Civ. Proc. Code 312 et. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute letter to all 3 bureaus disputing that XXXX XXXX XXXX XXXX XXXX is reporting a collection that has surpassed the statue of limitations and thus should be removed, however on XX/XX/XXXX my credit report was updated to reflect that this account will remain on my credit report. 

I am disputing the XXXX, XXXX XXXX XXXX XXXX collection referencXXXX XXXX XXXX XXXX vs. XXXX XXXX. 

Attached are the following documents to demonstrate that this account is well passed the Statues of Limitations. My last rent payment to XXXX XXXX XXXX, the landlord to XXXX XXXX XXXX, XXXX XXXX, CA XXXX, was XX/XX/XXXX. 

1. Addendum 1 : Request To Set Case For Trial dated XX/XX/XXXX. Please refer to the highlighted section on page 2 of 2. 

2. Addendum 2 : NOTICE THAT YOU HAVE BEEN SUED dated XX/XX/XXXX. Please refer to the highlighted section on page 3.

3. Addendum 3 : After Court Judgment dated on XX/XX/XXXX. Please refer to the highlighted section on page 1 of 2. 

Clearly the evidence shows the collection efforts commenced in XXXX, shortly after the last/final payment was made to the Plaintiff XXXX XXXX XXXX XXXX XXXX which ultimately sent this account to collections. 

According to XXXX. XXXX. XXXX. XXXX XXXX XXXX. seq. this account has passed the four years Statutes of Limitations to collect such debt, and thus should be removed.

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 2021-03-10 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital One closed my credit card and they are unable to give me any information except it " could be '' a past account where I was an authorized user. She gave me the last 4 digits of that account, but I am NOT an authorized user on any capital one account. She could not give me any further information. I have had my capital one card for over 10 years and have never had any issues. I have never been late on a payment of any kind, ever in my life. My fico is currently XXXX. I have credit back to XXXX, mortgage history back to XXXX, less than {$6000.00} in open revolving debt. I have been a mortgage underwriter for over 20 years with a large financial institution. My current XXXX is XXXX %. I pay my card off monthly as I am very educated about credit as I HAVE TO BE for my career. I know all about credit, lending, loans, fraud, suspicious activity, etc. I am at a complete loss as to why this card was closed. I am not even aware of an authorized user account with my name on it, yet my individual credit card has been closed because of it. And if I am an unknown an authorized user on a credit card, I would suggest they look into that because I am not aware of it, which is fraud. Also, authorized users are not responsible for the actual debt as stated in the terms and conditions of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WAFD BANK
State: WA

Complaint narrative:
I had a mortgage at Washington Federal Bank ( WAFD ). I was refinancing with another lender, and knew the re-fi would close in early XXXX. On XX/XX/XXXX, I called WAFD, spoke to XXXX, and asked to have my auto-pay cancelled. He said it would be suspended for one month, in case the re-fi did not close. 

The re-fi closed on XX/XX/XXXX, and WAFD was paid in full ; they processed the funds on XX/XX/XXXX. But also on XX/XX/XXXX, my payment of {$820.00} was deducted from my account at XXXX. I called that same day, spoke to XXXX, and asked to have the funds returned to my XXXX account that day. She said she would notify the loan department. She confirmed my automatic payment HAD been suspended. 

Monday, XX/XX/XXXX, the money was not in my account, so I called XXXX again. Spoke to XXXX ; he talked to XXXX, who said she would contact loan servicing again and call me back. 

Wed., XX/XX/XXXX. No call from XXXX. Called again, talked to XXXX. XXXX was not in, but he read her notes. Said WAFD was mailing me a check for {$900.00} ( est ). I said I did not want to wait a week for a check ; I want the money back in my account at XXXX. He said XXXX would call me this afternoon. 

I believe WAFD has acted recklessly, with no regard for how their actions ( unauthorized withdrawal of funds ) affect people 's lives. The money should have been immediately returned to 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