vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: VA

Complaint narrative:
The property in question was originally purchased as a primary domicile in Washington XXXX XXXX XXXX VA loan. The lender, Umpqua bank, escrowed taxes and insurance. I later moved for work, but kept the property as a rental. When the original policy lapsed, Umpqua procured a new policy for a rental property on my behalf. It was quite expensive. In late XX/XX/2021 I applied for a new policy with XXXX, consolidating it with my other insurance products, with a policy start date of XXXX XX/XX/2021. I did the same with another rental property with another lender at this same time. As part of the policy purchase, I provided the name of the lender/escrow, and XXXX contacted them. 

Several months later, I learned that Umpqua did not pay XXXX when billed. I received another notice at the same time re : the non-Umpqua property, but the payment there was disbursed from escrow shortly thereafter, so I thought little of it. I received a subsequent notification from XXXX, however, and they began attempting to collect the amount from me directly. I contacted XXXX to learn that they had never processed a change in insurance provider and XXXX was not on record. In inquired about the change in my monthly payments previously, but received no answer. I also directly inquired about whether or not I should pay XXXX directly, but received no answer. 

Umpqua contacted XXXX and received proof of insurance shortly thereafter. Additionally, I received an escrow analysis that lowered my payments, effective XXXX XX/XX/2021. However, when I paid the amount provided in the analysis for XXXX, I received a notification from XXXX that I had underpaid. Additionally, XXXX contacted me again requesting the insurance payment. I contacted Umpqua again asking XXXX ) whether they intended to pay XXXX XXXX ) the correct status/amount of my monthly payments and XXXX ) the reason behind the conflicting information on monthly payment amounts. I received no answers but was told they would follow up within the week. It has been XXXX weeks ; I still do not know how much I owe or who is paying XXXX. 

Note, I believe Umpqua contracts through a third party for escrow. I do not know and was not provided the name of this third party firm.

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 2021-12-04 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: OH

Complaint narrative:
I received a letter from XXXX  XXXX XXXX earlier this week informing me I am late on paying a {$34.00} charge. I contacted XXXX to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for XXXX to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. XXXX reported this as a late payment. I engaged in a dispute resolution with each. Experian just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as XXXX admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. XXXX should not be allowed to report late payment based on their error. Experian should not close a dispute with no action or explanation.

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 2021-12-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CR XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX, I am out a lot of money, {$34000.00} was taken in by the scam from someone. 
Please help me out! I don't know what to do I'm so desperate and disappointed Please Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: VW Credit
State: CA

Complaint narrative:
XXXX, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I received a letter from Bank of American earlier this week informing me I am late on paying a {$34.00} charge. I contacted BOA  to learn they never sent me a billing statement in the mail as has been done for 25 years. Also learned they closed my account over {$34.00}. While waiting for BOA  to correct their failure and send me the bill, I checked my credit with all credit reporting agencies. BOA  reported this as a late payment. I engaged in a dispute resolution with each. XXXX just contacted me and said they reviewed and closed the dispute. Nothing changed on my credit record. No explanation is given either. I want the late reporting to be removed as BOA admitted on the phone call they changed my billing to electronic billing. They did this without my knowledge and without my permission. BOA should not be allowed to report late payment based on their error. XXXX should not close a dispute with no action or explanation.

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 2021-12-04 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.

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 2021-12-04 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

NAVIENT XXXX XXXX : {$6900.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I applied for a payday loan I got approved for {$250.00} I paid back 315+300 of charges of my bank because they tried so many times {$35.00} every time it was rejected. Not far they just keep changing the bank. Cant find loan number anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I sent several letters to State Collection Service in XXXX Wisconsin to verify this account. They continue to report it to all credit bureaus XXXX XXXX XXXX, XXXX XXXX XXXX ). The letters I sent to them were dated XX/XX/2021, and the final letter was sent on XX/XX/2021. They continue to report the unverified accounts to the credit bureaus. This account is a fraudulent account and without verification is under State and Federal violation. This should be REMOVED from ALL CREDIT BUREAUS. I have tried many times for State Collection Service to provide me with the contract with my signature on it. They continue to ignore my request. All letters sent were certified and returned receipt and it was received by State Collection Service. Yet they continue to report it to the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I sent Aargon Collection Agency also known as Aargon Agency , Inc. a letter asking them to show me a legally binding contractual obligation to pay them an alleged debt in the amount of {$1000.00}. Aargon Collection Agency did not respond to my letter and has not provided any proof to their claim that I owe them the alleged amount. I sent them another letter today certified mail. I am a consumer and I know my rights. Aargon Collection Agency is ruining my reputation by furnishing this data to XXXX. XXXX is the only reporting agency to have this account listed because the other reporting agencies know that this account should not be reporting to any of my consumer reports.

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 2021-12-04 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX 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 non-monetary relief
Consumer complaint received 2021-12-04 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A charge was made on my Legendary Pine Master Card on XX/XX/XXXX at XXXX XXXX XXXX XXXX FL for {$460.00}. Called the XXXX XXXX on XXXX to dispute the charge. They said it was for family counselling- we have not been to XXXX in over 20 yrs plus we have medical insurance that would cover that. They removed the charge but reapplied it in XX/XX/XXXX and I received a letter dated XX/XX/XXXX stating they can find no basis to support the claim. Called XX/XX/XXXX and they were going to reinvestigate. Called XXXX and said the same thing. They said they called this company and got no answer as did I - the business dissolved XX/XX/XXXX and I have tried calling the phone number associated with it and no answer, XXXX XXXX said for me to file with my local sheriff office. I have had a bogus charge on another credit card and they actually contacted me and resolved it. Legendary Pine MasterCard can not prove that this charge is legit as they can't get ahold of the company that charged it,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 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: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX & XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2021

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 2021-12-04 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: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I am hearing about lawyer XXXX out of XXXX Texas has been fraudulent about accusations. They dinged my XXXX XXXX like six times. And if they are in the right, I only went to the hospital like two times in 3 years. So how did they ding me more then twice?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MID-ISLAND MORTGAGE CORP.
State: NY

Complaint narrative:
2 months after my closing, Mid-Island failed to pay my home owners insurance on time which I only discovered when my insurance provider sent me a Final notice before cancellation. That was since resolved after I frantically contacted anyone I could, including the loan officer, to have this issue resolved. As a result of the failed process of paying my insurance, I asked them to also check and ensure the tax payments, which were due around the same week, processed and were properly received by my town. At this time, the payments are now 6 months overdue and my property taxes are now in arrears and my name and property information appeared on my town 's Tax Lien Sale Bulletin this month.

Company response to consumer: Closed with explanation