vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me

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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge me

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 2020-09-11 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: KY

Complaint narrative:
I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me, the XXXX ( XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX ( XXXX  in XXXX XXXX ) account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

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 2020-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery placed unlimited calls on my cell. I am XXXX XXXX to the XXXX XXXX. I can't use my cell now because of all the Voice over IP calls. 
They put a XXXX dollar plus ding on my credit. I call the police the police came out said it is a sham. I am calling the FBI next IC3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: PA

Complaint narrative:
Mortgage was paid off to Homepoint on XX/XX/2020. Company claims check to refund the escrow account was issued on XX/XX/2020 and sent out on XX/XX/2020. This check has never been received. I called numerous times and it wasn't until XX/XX/2020 that I was told the previous check was being cancelled and a new check would being issued on XX/XX/2020. I called Homepoint on XX/XX/2020 and was advised the new check still had not been issued. I called Homepoint on XX/XX/2020 and got the same response which prompted me to ask for a supervisor. The supervisor I spoke with ensured me she was escalating the claim and that she would contact me back via phone to tell me when a new check would be sent ... ..I never received a return phone call. I called Homepoint on XX/XX/2020 and the representative I spoke with told me the check was SENT on XX/XX/2020. I made sure to verify the check was actually SENT and was told it was sent! After waiting over a week for the check to arrive and it hadn't, I contacted Homepoint again on XX/XX/2020 and was told that the check had been issued on the XXXX but as of the XXXX had not been sent out ... ..over a week later!!! I was sent to the escalating department where I was told by the representative that he would email me back which never happened as of this time. It will be 2 months on Sunday since this mortgage was paid off and I still do not have a refund check for my escrow funds in the amount of {$3300.00}. I have been given a run around for 2 months now with excuses and wrong information. I asked if the money could be wired and was told no because it cost money to do so. I also asked if they could put tracking on it and they said no. At this point I don't have much faith that a check was ever mailed out in the past 2 months!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: AZ

Complaint narrative:
I have tried several times to explain to Experian that the reports that have been placed on my credit report is incorrect, many of the accounts closed and a few with wrong information that is causing significant issues with my credit that I have been working so hard to fix. I am making payments to these companies and experian continues to report and allow false information on my credit report that other companys have fixed on their end.

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 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Results Unlimited, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX, former leasing representative with XXXX XXXX XXXX in XXXX county Virginia. During this email we discussed my ability to sign a 15 month lease. We also discussed the likelihood that my job would be transferred in the future, and how I could break my lease and pay a " buy out '' option which was equal to 2x my base month rent. We agreed on these terms and my lease was signed. 

On XX/XX/XXXX I contacted the leasing office via email and in person to let them know that I would have to break my lease as I was being transferred. I received no response to this email until XX/XX/XXXX by XXXX XXXX, property manager for XXXX XXXX XXXX. At this time, XXXX stated that I agreed to pay a {$1600.00} fee equal to 2 months rent and that I would supply an updated address so they could forward me a bill as to my final amount owed after damages were assessed. I replied to this email confirming my agreement to pay the fees once I received mail confirming the details of payment owed. I also provided my updated mailing address to XXXX at this time. 

I have received no further communications from XXXX XXXX XXXX. Imagine my surprise when it's XX/XX/XXXX and I'm on break from my job as a XXXX XXXX  in the XXXX, and my bank card won't swipe for a soda. I contacted my bank and they informed me my account had been frozen in legal judgement by XXXX XXXX XXXX. and the phone number XXXX was provided to me at this time. They stated my account could no longer be accessed and that there was a freeze for over {$5000.00} on my account. 

I have no access to my bank, any funds, or the ability to pay my bills. I was never notified of this debt via mail, email, phone call or court notification of action being taken against me. 

I have no problem at all paying the {$1600.00} owed, my concern is that I feel the apartment complex mismanaged my account and is looking to recoup losses from their less than stellar low income tenants in those units. I had the forethought to try to fight this the moment that I became aware of the situation. A lot of others wouldn't know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Hello, i have a loan with Specialized loan services which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After XXXX XXXX did background check on my credit report they noticed one late payment that was reported from SLS and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you

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 2020-09-11 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: Complete Credit Solutions, Inc.
State: MD

Complaint narrative:
This company continues to put false information on my credit report. The amount is {$1100.00} that is on my credit report. The false information appeared on my credit report since XX/XX/2019, and I've tried dealing with them to get it removed. The company 's information is listed below. 

COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on 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 explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/XXXX I made my XXXX mortgage payment of {$2200.00} to Freedom Mortgage online through their payment website. This is a brand new mortgage and this was my first payment to them. These funds were deducted from my XXXX checking account on XXXX XXXX. However, upon checking my mortgage account online I saw that It was still showing XXXX payment as not paid and I was not credited for the payment. I called Freedom Mortgage customer service on XX/XX/XXXX and was told that they reversed the payment for unknown reasons. I was further told that my funds would be returned to my checking account within 2 days and at that point I just needed to submit the payment to them again. 
The funds were never returned. I called Freedom again on XX/XX/XXXX and this time spoke with XXXX. He told me that somehow part of my payment had been placed separately into my escrow account and that he had put in a request for that money be credited for XXXX payment. He told me my account would be credited by XX/XX/XXXX. This never occurred. 
Since then I have made 6 more calls to their customer service department. Each time, I get a new rep who promises that the payment will be credited and it never is. Ive also emailed them twice without a reply. My biggest concern is that this payment is reported to the credit bureau as late even though it was paid on time

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 2020-09-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, i have a loan with XXXX XXXX  XXXX  which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. 
After faculty data did background check on my credit report they noticed one late payment that was reported from XXXX  and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you

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 2020-09-11 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: MD

Complaint narrative:
In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a US Citizen Retired XXXX XXXX but living in the XXXX for the 10-years so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that Transunion is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but Transunion continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX  XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?

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 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One credit card services have repeatedly charged me 23.99 % interest on balances that didn't exist. I have been making very large payments every few weeks and they are still charging me based on a higher monthly balance. I have called numerous times to ask for explanations, help, leniency, etc., and have been refused every time. I have even closed the three cards I have with them and asked for help with a small interest reduction. They have refused. I have paid so much money in interest penalties based on a balance they say exists and it doesn't. They are charging interest based on an average monthly balance of well OVER the actual account balance. Last month and this month in particular they have charged interest on a balance of {$1000.00} or more over the actual balance. Every agent I've spoken with has tried to help in any way they could and have been denied by the company. 
I need help, please!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11 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: The Outsource Group, Inc
State: NC

Complaint narrative:
After reviewing my credit report I noticed a collection item is still listed on my report although the collection company previously stated in a previous investigation with CFPB that the original creditor asked them to place the account on holding pending a financial review of the account. 
1 ) the collection company Medit Credit continues to report the debt as outstanding and continues to report to the bureau as late and outstanding

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 we made a principal payment in the amount of {$310000.00}, which was ALL to go to the principal. Instead, UWM took out the XXXX payment out of that amount, which they were instructed not to do. In addition they did not reamortize the breakdown in terms of how much is applied to principal and interest. I have called every day and been promised every day that they would " suspend '' XXXX 's payment and then I would pay XXXX and they would apply the " suspended XXXX '' payment to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. 

As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 

As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/NELNET XXXX, DEPT OF ED/XXXX   XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America Im filing yet another complaint on you due to the fact that you failed to conduct a proper investigation I sent in dispute to your company about violations and erroneous information you responded to via the FCPB that you were mailing your response to me. Its been way over 30 days and I havent received anything from your company. I sent you another Corresponding asking you to upload your findings in your investigations information the other CFPB website I attached my Social Security card my US government ID along with my Minnesota drivers license you fail to do that as well at this point its over 30 days in you have to fail to conduct a proper investigation there for your trade lines must be removed from all 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 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Banks have a know your client policy .citibank to be exact i was issued a check from my annuity.money was on a check for XXXX dollars .citibank has had the time to find out how and who fraudulently endorsed a check .my check .the name is on the check and all of the required information.i was suppose to recieve the check XXXX XXXXive complained to the annuity department in the month of XXXX saying i didnt recieve a check .during a jobloss from XXXX XXXX.im tomd in XXXX someone cashed the money ... no identity of the person that signed the check.of the teller or where the check was cashed.i was tomd to contact the olice dept.and still the same results never changed a single thing.so far no money .my pension savings no money has been reimbursed ... citibank has not held anyone liable as of yet and i have been without my funds since it was issued XXXX XXXX2020.funds have not been recovered at all ....

Company response to consumer: Closed with explanation