vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion is known for not providing accurate and updated information on consumer 's credit report. 

I am a victim of this issue. I have tried disputing several merchants that were not reporting correctly after my XXXX XXXX bankruptcy was discharged on XX/XX/2021. On XX/XX/XXXX I did a dispute to get the information updated. Within a matter of days, they closed it out as verified and accurate. When I asked them how did they verify the information, they said that the merchant verifies it and that's it. 

I asked to speak with a manager because they have overseas call centers handling our personal details which is unacceptable!!! 

XXXX XXXX, a rude and disrespectful manager called me and huffed and puffed through the phone the entire conversation. His tone was already sounding like he did not want to be at work. He raised his voice on several occasions to cut me off. 

He provided me with wrong information that I am now reporting to CFB in the hopes that Transunion is held accountable for not verifying and researching before adding accounts to a consumer 's file. 

XXXX XXXX advised me of the following details that are not true per the CFB and other government resources : 1. Transunion does not verify or research anything. He said when a dispute is filed, it goes to the merchant and they handle it. They are just a data storage company. That is NOT true. All credit reporting agencies are responsible for furnishing accurate information. 

2. Consumers can not block or freeze their reports or any other third-party reports at any given time. Transunion has and will always have access to third-party agencies even if that were possible because they can. THIS IS NOT CORRECT. Consumers can freeze their reports at any time by either requesting it via phone, online or by mail. 

Clearly, Transunion is not researching disputes properly. They are closing them and marking them as verified when they are not. This is hurting us consumers when we are trying to purchase a home, car, etc. 

Someone needs to hold these folks accountable.

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 2022-02-08 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I have been trying to dispute a collection account by the name of Cavalry Portfolio Services, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but XXXX is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why XXXX will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR

Complaint narrative:
Cfpb, XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX, and the new servicer of my loan is Rushmore Loan Management Services . On XX/XX/2022 I wrote a inquiry letter to Rushmore Loan Management Services requesting a copy of my XXXX mortgage statement, payment information and any other documents related to my loan. My loan is current and in good standing. Rushmore loan Management has not sent me any of these documents that I have requested. I called Rushmore loan management customer service and was able to get my new account number and was told my account was being audited. My account is current and in good standing. I made my XXXX mortgage payment on XX/XX/2022 to Rushmore loan Services by XXXX XXXX. My XX/XX/2022 balance should be {$21000.00}. I am current on my mortgage payments and I would like the information I requested. I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Im a XXXX veteran who informed Dovenmuehle XXXX XXXX XXXX as early as XX/XX/XXXX that I was in forbearance with XXXX XXXX XXXX while my loan was being transferred to Dovenmuehle. Ive been trying to get this problem corrected since XX/XX/XXXX. Dovenmuehle XXXX XXXX XXXX has been hurting my ability to refinance my mortgage to a lower interest rate. I have disputed this problem with the credit bureaus on at least 3 occasions. And, on at least 3 times provided proof from XXXX XXXXXXXX XXXX that I was not delinquent or past due to Dovenmuehle XXXX XXXX XXXX Research Department and Customer Service with no fair treatment and still unfair credit reporting from Dovenmuehle XXXX XXXX XXXX. I have exhausted all my efforts trying to resolve this problem. 
I was current on my mortgage payments and I had never missed a payment before being approved for loan forbearance. My mortgage company, DovenmuehleXXXX XXXXXXXX XXXX XXXX has been reporting that Im past due since XX/XX/XXXX even though the forbearance rules and this companys forbearance policy informs that there would be no negative credit reporting. My loan was transferred from XXXX XXXXXXXX XXXX to Dovenmuehle during XX/XX/XXXX. I was in active approved forbearance with XXXX XXXX XXXX from XXXX XX/XX/XXXX until XXXX XX/XX/XXXX. I was approved for forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX to Dovenmuehle XXXXXXXX XXXX XXXX. 
I provided my XXXX XXXX XXXX Forbearance Approval letter as proof to DovenmuehleXXXX XXXX XXXX research department twice as requested. Dovenmuehle XXXX XXXX XXXX asked me to have XXXX XXXXXXXX XXXX e-mail Dovenmuehles Research department the forbearance letter proof again in XX/XX/XXXX. XXXX XXXX XXXX directly e-mailed Dovenmuehle XXXXXXXX XXXX XXXX Research department my forbearance approval letter on XX/XX/XXXX. Dovenmuehle continues to report to the credit bureaus that Im 90 days past due, not more than 4 months past due, and delinquent since XX/XX/XXXX. Moreover, Dovenmuehle will not even acknowledge receipt of my forbearance approval letter from XXXX XXXX XXXX as of this date, XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
A letter in the mail was received at consumers place of abode, attempting to collect an alleged debt. Said letter exposed the company name Receivables Performance Management LLC. This led the consumer to believe said letter indicates that the sender is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the Fair Debt Collections practices act.

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 2022-02-08 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: IN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it 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 35 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 may have got into the hands of the wrong person

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 2022-02-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it 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 35 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 may have got into the hands of the wrong person

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
In XXXX XXXX, my insurance co wrote me a check for damages to my house. This check had to be sent to my mortgage co loss claim dept. The loss claim dept is now in control of my funds that I need to pay for repairs to my home. 

On XX/XX/XXXX, I submitted online all the information and requirements they requested. They never responded to me, I had to call and email them back to verify my information had been received. Finally on XX/XX/XXXX, I was in contact with a representative and begged them to process the first funds disbursement. They mailed a check of {$40000.00}. 

Since I have received the first check, they still hold {$18000.00} of my money. I have followed all instructions and completed all forms they have requested. However, they are now going backwards, stalling, avoiding contact with me and are refusing to send me the remaining {$18000.00}. 

I have been placed on hold for over one and a half hours. I have been hung up on several times, and they continue to ask for the same information they already have. Their employees in the Loss Claim Dept seem to know very little if anything about mortgages, finances or general business. To put it bluntly, they are extremely inept! 

We currently are in midXXXX XXXX, two months after this process began. I have had a new roof replaced. I have had all the eaves and fascia repaired. I have the interior repairs done on the ceiling and moldings. But yet, they will not send out an inspector to view this work, so that the remaining funds can be sent to me. In fact, they cancelled an inspection for some unknown reason, and did not tell me about the cancellation or even describe the rationale. 

Currently today, they are sending emails requesting my case # and saying they can not find my file ( their company established the case # in the first place and gave it to me in XX/XX/XXXX, but now they can not find the file? ). They have told me they finally ordered an inspection, and their inspector will contact me within 5 business days. It has been 10 business days, and no one has contacted me. The only communication from them was asking to clarify the case # they claim they can not find. 

I am at my wit 's end. I am using the money my insurance co paid me to repair my house. I need to pay for the repairs ; however the mortgage bank seems like they do not want to pay me ( my own ) money and continue to place roadblocks to slow the process down. 

All I am asking for is help in getting my remaining money so I can pay for the repairs on my home. And, with your help, insure this mortgage bank does not do this to any other people in the future.

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 2022-02-08 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I made my XX/XX/XXXX payment to XXXX XXXX XXXX. They cashed the check on XX/XX/XXXX and then the loan was transferred to Community Loan Servicing. Community Loan Servicing has not posted my payment although I have called them several times and provided them a copy of the canceled check AND my bank statements for XXXX months showing the check was cashed and the funds taken from my bank account. They now say I am due for the XX/XX/XXXX payment even though I have paid through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had received a letter in the mail from Comenity Capital Bank, saying I sent a recent application for XXXX CREDIT credit card account. This was Not me! I did not apply for a credit card I have never even started to build my credit at all! Someone used my social to apply for a credit card. Someone knows my social and is using it! It states Your credit score as of XX/XX/2022 : was not able to be calculated because of inability to verify your previous credit experience I want to know if I can also get a new social because someone knows my numbers and I dont want this to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-02-08 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-08 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation