vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVER ( MO ) 281 SW 715, 719,6 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC
State: OK

Complaint narrative:
I had a home loan with XXXX Bank. When I logged into XXXX 's payment system to pay my loan in XXXX of XXXX, I was notified that the loan had been sold to XXXX and to make my payment there. 

I logged into XXXX in XX/XX/XXXX to pay, but the loan did not show up. I called XXXX 's customer service line in XX/XX/XXXX and was told to be patient. The loan takes a bit to process and appears on the customer dashboard. I was reassured that I had a XXXX grace period to make the payment and to keep checking back. The loan never showed up on my dashboard for the entire month of XX/XX/XXXX. 

I logged in again in XX/XX/XXXX to pay the loan. It still was not available. I called XXXX 's customer service group again. I was given the same update : The loan is not yet ready ; be patient. You are still within your grace period. Keep checking back to see when it is available. The loan did not show up as payable during XX/XX/XXXX either. 

When I logged in in XXXX of XXXX, the loan appeared on the dashboard but would not let me pay it. I called XXXX 's customer service again. The lady on the phone said she could see the same thing. The loan was there, but she did not know why it prevented me from paying it. So she took a payment over the phone from me. She even waived the late payment fee due to the circumstances. This happened on XXXX XXXX, XXXX. She informed me that it would not be included in my credit report due to the circumstances. She also asked that I email XXXX 's technical support group for assistance on why it would not allow me to pay the loan. I sent this email the same day, XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, my credit monitoring service sent me an email stating XXXX of my accounts had been reported as delinquent. My XXXX XXXX dropped from a XXXX to a XXXX overnight. When I looked at which account they were saying was delinquent, I saw that it was the same loan that XXXX assumed. Since then, I have called XXXX XXXX times to get this resolved. They will not call me back. I have also placed a formal complaint with the XXXX XXXX XXXX XXXX using the form and process on their website. No one has contacted me back. 

In short, I have been trying to solve the problem XXXX created since XXXX of XXXX. My credit is still broken, XXXX still will not contact me back, and I need help getting them to fix this problem.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
From XXXX - XXXX the company has paid the Homeowners premium directly to the XXXX via XXXX. It did not pay the XXXX premium in XXXX and XXXX even though the company billed me for tax and insurance via XXXX. My spouse made payments to the XXXX to avoid cancellation. The company has not reimbursed for those XXXX years. 

The call in XX/XX/XXXX referenced by the company was to provide information about a new carrier only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I check into the XXXX XXXX XXXX  at the XXXX fairgrounds in XXXX Florida. The hotel charged my card for a new deposit which they were supposed to return within 3 days of check out. They didnt and despite many phone calls, I got absolutely no where, so I went onto the cash app website and disputed the charge as it was for a deposit and not a room charge or a fee. I was very surprised when they almost instantly turned my dispute down with little reason other than saying that they checked to make sure there was no error and that no error orccured dispute denied. I was shocked its not like they even read my the dispute or had time to send it to the merchant ( the clearly are playing by their own rules and violating their agreement with XXXX on how the dispute process is supposed to work and even if in a dispute they remained neutral and evaluated charges and disputes objectively that would be fine but the company whom I am their customer seems to have it in for their clients and simply rejects things out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I've been dealing with an issue with this bank and I need help with this. XXXX 's day weekend I went inperson to speak to someone about a refund that Santander was witholding from me. 

I got into it with the Tellar because she didnt realize She wasn't able to help me, i was ganged up on by all the employees, no one took the time to figure out what I needed. for that I continuusly filed complaints ( 2 ) apparently they shut my bank account down without notice. they also refused to give me the option of walking out with my XXXX dollars. They refused to give me cash or a cashiers check. I am currently homeless and can not receive mail, my last address is in NC. so can u help me address this and figure out Why they wont give me my money back? XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
canceled insurance moved to different company i have requested verification have not received any to prove the debt is owed but its still reporting to the bureaus

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX I lost my job, I was unemployed until XX/XX/XXXX. In the meantime I was able to pay my mortgage out of savings until XX/XX/XXXX. At that point I called the mortgage bank for assistance and they told me that I qualify for a forbearance of XXXX months and that I will return to make regular monthly payments, however in XX/XX/XXXX I received a letter " Notice of Intent '' for foreclosure. I also requested a loan modification and the denied without letting me know. They want me to pay the last XXXX months the told me I will be in the forbearance. I have made XXXX and XXXX payments and now I can afford to keep paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent letters to Equifax requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the Debt Collection Agencies that are reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were no changes or updates made to my Credit Report regarding these accounts. The Debt Collection Companies listed about did not satisfy the Consumer Credit Laws stated in the letters that I sent to the said companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Since XXXX of the options is a payment deferment, I requested that option. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Last XXXX digits SSN : XXXX I called on XX/XX/2024 and spoke with Account XXXX XXXX. XXXX said she updated my financials and sent the request. 

XXXX also stated I was not eligible to extend the foreberance any further since it had already been XXXX  months. 

On XX/XX/2024 I called back and spoke to Account XXXX XXXX who stated No request was received and I needed to update the financials again? This is horrible customer service. She also stated that Bank of America only offers loan modifications, albeit I received a letter from Bank of America stating a payment deferral is an option. 

At this point, it appears there are inconsistencies throughout Bank of America. 

First financials were updated with XXXX then XXXX says your records show nothing updated and I would need to start all over again.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.

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 2024-04-02 00:00:00
Product: Credit reporting 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 reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I realized my address and phone number were incorrect on my XXXX fXXXX anuto loan account after a payment was made. I have absolutely no association with that address or phone number. I contacted them to correct the information and where this information was obtained it was not on my initial loan application and had not changed since then. 

This loan as initiated on XX/XX/XXXX, and the original loan application ( which I still have a copy of ) is all correct information, and auto debit was set up without issue 10 days after the loan was signed for. 

On XX/XX/XXXX, I received a notice on my credit report of a late payment from the payment that was returned by my bank and filed a dispute with the credit bureau and the lender. I have received no information, calls, emails, or written correspondence from them and have not received any resolution to the late payment/info dispute. 

Since then, the bank has been contacting my family by name, who have no association with the loan or any of my personal information and I have not given consent for them to be contacted on my behalf, as many as XXXX times per day requesting that they contact me or make the payment on my behalf ( which they have no legal basis to do, ask, or acknowledge my loan ). 

This includes a total of XXXX calls to a 3rd party regarding my loan on XXXX Sunday ( XX/XX/XXXX ). The times he was contacted was XXXX PT, XXXX PT, XXXX PT, and XXXX PT. Not only does the initial call they regularly make go against FDCPA regulations, theyve now started to contact and provide personal information and attempt to collect payment from them on a Holiday. Screen shots from the 3rd partys device have been added below to substantiate the time of these calls.

Lastly, the lender has made no attempt, despite my actionable contact and correcting the information on their online portal, to correct the information on my actual credit file, including the address, late payments, and cease contacting 3rd parties on behalf of my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.

Company response to consumer: Closed with non-monetary relief