vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XXXX I was denied a personal loan to buy groceries due to Ally bank being the primary reason of rendering over the XXXX XXXX XXXX that was a lemon and the dealership/manufacturer refused to honor the new car warranty and swap out the new vehicle with a non lemon one without ruining my credit rating by running a credit application for a new car swap each time I inquired on a fix prior to a complete vehicle breakdown after a new starter and battery was ordered in which the car ran for 1 full day after XX/XX/XXXX fix then broke down completely with starter and battery wires burnt being the reasons for a non manufacturer new car warranty repair within only 4 months of financing the supposably new car. 
See prior CFPB.gov unresolved complaints and refer to attachments as a reference from complaints XXXX, XXXX, XXXX. 
The dealer received {$2500.00} bonus which was used as a down payment though my credit required none at the time of approval XXXX. After rendering over the vehicle, my vehicleinsurance policy paid nearly or over {$2000.00} to Ally bank for additional gap coverage that was in addition to the bill of sales gap coverage inclusion. My car payment which was only XXXX wasn't due upon being rendered over for auction and wasn't past due. Ally bank shouldn't have anything but a positive rating on my credit. The bank received the car, gap coverage money from the insurance company and they sold the vehicle within 2 months time of rendering. My credit rating and outcome of a severely needed grocery/personal medical hygiene/cleaning product loan approval shouldn't have been declined due to their retaliation and/or misunderstanding of how to notate my closed account to rate my credit history properly with valid balance information which should be and is {$0.00} balance, paid on time. They picked up the vehicle in a timely manner no requirement for me to pay the 1st car payment should've been my responsibility.

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 2021-08-31 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

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 2021-08-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
We made timely electronic payments through Arvest Central Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In early XXXX I received an email from Bank of America advising me that my monthly statement was available. When I printed out the statement, it was clear that one of the checks BoA had cashed was not mine. I immediately called BoA and was told that clearly fraud had been committed and that my checking account should immediately be shut down. I complied and the next day went to my local branch office and opened a new account. I asked about the check in the amount of {$26.00} that the bank had erroneously cashed and was told that the fraud would be investigated and I would be made whole for the check. After several calls, visits to local branch offices and providing the information requested by the bank, I was reimbursed {$26.00} on XX/XX/2021. Inexplicably, on XX/XX/2021 the bank reversed the reimbursement. When I called the Banks fraud department to determine why, I was told that my claim had been denied because the check was cashed. This is preposterous, because it wasnt me that cashed the check, it was the BoA. It seems like Im being penalized for the Banks error.

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 2021-08-31 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: IN

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate items on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it states that 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 these item should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong persons hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Hello I had an Auto loan with Credit Acceptance Corp. I paid the loan off in full as of XX/XX/XXXX. The account is not only still showing open but there has been no updates since XX/XX/XXXX on the payments made up until I paid the account off. XXXX payments made on time are not reflected on my XXXX XXXX Credit Report. That keeps your score low. Recently I have used your services because they were marking me late on payments that they should not have and 2x we had to deal with that. I'm starting to feel like this company keeps intentionally doing things to try and keep my credit score low. Also not sure if they did the same thing on 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 2021-08-31 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: TN

Complaint narrative:
I have repeatedly disputed three incorrect items being reported on my Equifax credit report. I started disputing these items in XX/XX/2019 and Equifax has repeatedly stated the investigation in process but I would never receive any results of the investigation nor have I ever received any correspondence stating if and how these items were verified. Ive sent multiple certified letters for over a year and a half with no response and these items remain on my credit report. Ive had no problems removing these items from XXXX  and XXXX. Equifax has failed to produce verification and validation of these accounts for over a year or so. Ive sent multiple letters asking for verification of these debts such as proof from the creditors and they fail to send me any correspondence offering this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Hello In XXXX of XXXX my wife and I contacted Cross Country Mortgage company to request PMI removal. We closed on our home in XXXX, XXXX and did a 10 % conventional mortgage and had PMI. 

We received a letter from cross country stating that removal from PMI can not happen unless substantial improvements to the property warrant the removal. 

Since purchase of the house for {$530000.00} we have invested ( at the time of the request ) {$170000.00} into permitted home improvements. We submitted a list of improvements and a {$320.00} check for the appraisal to remove the PMI. 

Cross Country then hired a company to do the appraisal. The company hired sent a third party to take pictures of the property and the appraiser did a desktop appraisal. We paid for a full appraisal due to improvements to warrant the removal of PMI. 

On XX/XX/XXXX our appraisal was complete and it came back at {$590000.00}. At that moment we owed {$470000.00} ( approx ). We needed to be at {$470000.00} or below for removal. 

I proceeded to contact Cross Country and offered to pay the difference extra in principal to remove the PMI, to which they said it doesnt work that wayfunny how they wont accept the new appraisal amount. 

After I requested multiple times and finally received the appraisal I found many issues with it. As we have called almost daily to fight our case we have been escalated to an empty desk who does nothing to rectify the situation. 

Now 3 months later I have found the sq footage is wrong on my appraisal XXXX sq feet less than our home is based on the property appraisal for XXXX XXXX XXXX. Also they had the wrong city on the appraisal. Cross Country continues to say it is being escalated but there is nobody to speak with who can make any decisions. 

At one point a resolution specialist from XXXX XXXX, who cross country uses for their research XXXX XXXX emailed me XX/XX/XXXX stating they are reviewing my case and I will have an update or resolution and they will reach out by email or phone by XX/XX/XXXX. We are now at XX/XX/XXXX and we have never had a response back, even though multiple internal messages have been sent to this specialist. 

The difference in sq footage alone would have raised my value based on the sq footage appraisal value placed at {$75.00} from their appraiser in the comps. That would have raised the value {$4900.00} alone which would have been enough to remove my PMI immediately. They still have not responded to any of this. 

I have contacted their social media page on XXXX and they said someone would contact me immediately on XX/XX/XXXX and still nobody as contacted me. 

Please help us resolve this situation as it is literally theft what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
A dispute towards an account on your credit report should be properly investigated instead of relying on machines as the investigator when it comes to disputes. There is an account from XXXX XXXX whom is reporting incorrectly on my report. I never recieved any services from this company that would lead to any dollar amount. My suspicion maybe is that I am mix up with my father who has a similar name and has used my social security number in the past for fraudulent activities. Whatever the case maybe, I never signed a contract or ever heard of this company. The company states the original balance is {$3700.00} then a past due of an amount is {$4900.00}. This incorrect information violates my rights for accurate reporting and II am getting bullied into a debt to be paid that is not even mines for a dollar amount of {$3700.00} or {$4900.00}.

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 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

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 2021-08-31 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: CA

Complaint narrative:
We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points.

We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, XXXX  and Transunion a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on 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 2021-08-31 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: CA

Complaint narrative:
We made timely electronic payments through XXXX XXXX Mortgage Companys website. They were posted timely on our XXXX XXXX Account. They have repeatedly charged us late fees and reported that we were 30 days late in XX/XX/2021 causing our FICO to drop over 50 points. 
We reached out to them and tried to resolve this issue. The sent a letter claiming they are correct. We sent them, Experian and XXXX  a copy of our XXXX XXXX statement showing we have consistently paid timely. They still have not fixed their errors. They also have numerous complaints against them on 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 2021-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XXXX XXXX Bank is said to have the mortgage while pooling with Fremont Investment and Loan. It now turns out that XXXX XXXX is the major Trustee of the pooling. Also, the foreclosure that was filed in XXXX states that was another mortgage signed XX/XX/XXXX. Nobody has the mortgage and the note to this closing. There is however and Rider to the note that states the mortgage was signed XX/XX/XXXX. There is an addendum to the note that states it was signed XX/XX/XXXX. 
PHH who is the servicer since Ocwen is not allowed to do any financial dealings in all 50 bought PHH. They that it is a transcribable error. In XXXX the before documents were sent to XXXX Court as part of the package. The Limited Power of Attorney states that all of PHH companies has power of attorney. There is no names who has the power of attorney. the way it is written the corporation has to sign all documents, no individuals. i can send you all the documentation if requested. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have had nothing but major issues with Shellpoint mortgage servicing. They mis-lead me through a modification that never happened. They say they did not have the required paperwork, yet they did and let the time run out by not responding to my inquires. I have this all in writing. This next issue tops it all though! I received notice of an escrow overage of $ XXXX. This seemed off to me so I questioned Shellpoint. They assured me it was correct and perhaps rolled over from the previous loan servicer. I did not receive the check they sent so I called to inquire and again questioned the validity of the refund. I was not given a valid explanation. but told that they were re-issuing the check. While trying to dispute some reporting they made to my credit report I continued to question the extra escrow funds. I was told multiple times both on the phone and in writing that there had been no errors made on my account. Approximately 3 months later I received a call from Shellpoint saying that they did make an error and now I would have to return the funds. I re-allocated those funds to other debts since I was previously assured that there were no errors to my account. Now I have an approximate 5 % increase to my monthly payments that I can not afford on a tight budget. This is complete negligence and I am initiating legal action against them.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are Inaccurate and I'm seeking litigation please delete at once. Compensate me {$1000.00} per inquiry violation for all the damages that I received to 15 USC 1681n & 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
Loancare has been reporting late or missing payments since they took over loan servicing from XXXX. After our first complaint to the CFBP, loancare finally sent us a letter stating they misappropriated our first payment and that all late fees are waved, ( see attached ) To date loancare has not cleared our credit report, or even called us back, we can not get ahold of anyone at the number provided .... XXXX XXXX XXXX ext XXXX In addition, the late fees are showing up on our bills along with incorrect monthly Bill amount. It has been brought to our attention that loancare was in litigation and lost for this same type of situation in 2020! We expect our report be cleared of all late payments and correct billing going forward. We will seek legal assistance if this is not taken care of in a timely manner.

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