vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: TX

Complaint narrative:
Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a zero dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have applied for programs to allow a defer loan payments because we have been financially impacted by the coronavirus pandemic. I have made multiple attempts online and over the phone with Ally Financial Inc. to get a some sort of help through this time. If a customer is past due they are only offering assistants if you bring your account current and then you are automatically due again for the following month. So in reality Ally isn't really offering anything other than bring the account current and still remaining due for the following month. This has also affected my credit score because of the days past due. The lack of compassion by Ally is really concerning.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/2020, I remitted payment to my loan servicer, Dovenmuehle Mortgage , Inc. via XXXX XXXX XX/XX/XXXX. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that Dovenmuehle Mortgage , Inc. transferred the loan to XXXX XXXX. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, thereby paying off the mortgage loan owed to Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XX/XX/XXXX. 

Dovenmuehle Mortgage , Inc. failed to deposit the XXXX mortgage payment. Dovenmuehle Mortgage , Inc. further failed to forward the XXXX mortgage payment to XXXX XXXX. Irrespective of the XXXX mortgage payment, both Dovenmuehle Mortgage , Inc. and XXXX XXXX  were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, Dovenmuehle Mortgage, Inc. caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. Dovenmuehle Mortgage , Inc. had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither Dovenmuehle Mortgage, Inc. nor XXXX XXXX  were permitted to treat any payments as late during the 60-day period following the transfer from Dovenmuehle Mortgage , Inc. to XXXX XXXX  on XX/XX/2020. See 12 CFR 1024.33 3. Dovenmuehle Mortgage , Inc. and its successor in interest, XXXX XXXX, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither Dovenmuehle Mortgage, Inc. nor its successor in interest, XXXX XXXX have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XXXX, I filed a dispute with the Equifax about the about incorrect addresses on my credit file : XXXX XXXX XXXX, XX/XX/XXXX XXXX -- 2020 XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX -- XXXX XXXX XXXX, XX/XX/XXXX XXXX. In that time I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these inaccurate addresses as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
Ive been trying to get in contact with someone about helping me collect my unemployment funds on the prepaid card they sent me, but Ive been told that I need to verify myself and Im confused because I did everything I needed to do and still havent received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX of this year, I called the company to pay or pending balance and close my account, ask if it was all if I no longer had to follow up, they told me that neither balance was XXXX and my account was closed. On XX/XX/XXXX of this year they call me to tell me that I have an outstanding balance of XXXX dollars that expired two months ago, I paid a total of XXXX dollars for the charges, the same month I reported on credit that I had a delay in my payment, of which I was never notified so the account is supposed to be XXXX and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Commercial Trade, Inc.
State: CA

Complaint narrative:
I have ask the for itemization of record from these creditors Commerical trade bureau, XXXX XXXX and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have ask the for itemization of record from these creditors XXXX XXXX XXXX, XXXX XXXX and Portfolio they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a a old joint with my ex husband account with XXXX XXXX  XXXX XXXX a car loan that was paid and is still on my credit report I have reported this issue several times the account is past the 7 years the account was opened in XXXX and first reported in XX/XX/XXXX, Loan amount 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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
On XX/XX/2020, I remitted payment to my loan servicer, XXXX XXXX , XXXX via XXXX XXXX Bill Pay. Attached please find a ledger showing both the XXXX mortgage payment, and the XXXX mortgage payment. Thereafter on or around XX/XX/2020, I received notice that XXXX XXXX , XXXX transferred the loan to Flagstar Bank. At the time of the transfer, I was not in default or delinquent in my mortgage loan status. 

On XX/XX/2020, I refinanced my mortgage with XXXX XXXX XXXX XXXX , XXXX, thereby paying off the mortgage loan owed to XXXX XXXX , XXXX and its successor in interest, Flagstar Bank. 

XXXX XXXX  , XXXX. failed to deposit the XXXX mortgage payment. XXXX XXXX , XXXX further failed to forward the XXXX mortgage payment to Flagstar Bank. Irrespective of the XXXX mortgage payment, both XXXX XXXX  , XXXX and Flagstar Bank were paid-in-full as a result of the refinance on XX/XX/2020. 

On XX/XX/2020, XXXX XXXX, XXXX caused a derogatory trade line mark to be placed upon my credit. As a result of the derogatory mark, my credit score dropped from XXXX to XXXX. 

Please note the following violations of law : 1. XXXX XXXX , XXXX had no legal authority to report to the credit bureau on XX/XX/2020 as it was no longer the servicer of the loan, and the loan was not in default. 

2. Under Federal Law, neither XXXX XXXX, XXXX nor Flagstar Bank were permitted to treat any payments as late during the 60-day period following the transfer from XXXX XXXX  , XXXX to Flagstar Bank on XX/XX/2020. See 12 CFR 1024.33 3. XXXX XXXX , XXXX and its successor in interest, Flagstar Bank, were paid-in-full during the refinance on XX/XX/2020, and therefore the reporting to the credit bureau on XX/XX/2020 was defamatory and I suffered damages in the amount of {$130000.00}. 

Lastly, neither XXXX XXXX, XXXX nor its successor in interest, Flagstar Bank have refunded me for the mortgage payment of {$1100.00} that is an overpayment due to the refinance. Both banks were required under federal and state law to refund the overpayment and have failed to do so. 

The collection and billing practices of both banks needs investigation. If the banks do not have sufficient policies and procedures in place to avoid reporting to the credit bureau during the 60-day loan transfer, and do not have policies in place for the transfer of mortgage payments from one servicer to the other servicer, and do not have policies in place for the refund of overpayments, the banks need to be sanctioned.

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 2020-10-22 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: HEARTLAND PAYMENT SYSTEMS INC
State: PR

Complaint narrative:
How it started in XX/XX/XXXX : I disputed some information via XXXX regarding the XXXX UniversityXXXX student loan account and XXXX deleted the loan/account COMPLETELY from my credit report. When I DID NOT REQUEST THE ACCOUNT TO BE DELETED. I objected the accuracy of the payment history. 

Today : After multiple attempts and requests to both XXXX  and XXXX University to reinsert my account/loan in my credit report NOTHING HAS HAPPENDED. 

This has caused me serious harm to my credit score and credit history. This loan is my oldest loan in my credit records and it is still currently in repayment. When this account was deleted ( unsolicited and irresponsibly ) by XXXX my credit score dropped more than 56 pts. I NEED TO SOLVE THIS. I am not able to get new credit approvals as this has plunged my credit score and I am left with almost NO CREDIT AGE. I am little unable to get new credit approvals due to this situation. This has been harmful to me in many ways. 

XX/XX/XXXX - I submitted a dispute to cfb. XXXX responded they were investigating but that it appear the situation was not on their end as they seem to be apparently reporting to XXXX the information of my payments and student loan. 

XX/XX/XXXX - XXXX answered " The data servicer XXXX University will need to submit an account reinsertion request to XXXX ''. 

Since then, I have tried contacting XXXX to confirm this has been done and no one, NO CUSTOMER SUPPORT AGENT has information. They've also said there is nothing in the notes. I need the parties to get this solve and call me with a SOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
Ussa bank and credit cards for military and veterans says i was late making payments. I was in XXXX. I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed usaa in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also american XXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in XXXX   and got paid on 1st. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from usaa credit and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX  and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL  DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
In XX/XX/2020 I applied with CrossCountry Mortgage to refinance and consolidate my mortgage and HELOC. In mid XX/XX/2020 the title company asked to provide a copy of my trust ( >100 pages ) which was during the COVID 19 pandemic while working from home. I confirmed with the title company that the information they needed was included on the trust certification which is ~3 pages and they ultimately agreed. I sent the information to the title company and 6 days later CrossCountry Mortgage said the underwriter needs a copy of my entire trust. During a phone conversation with the loan originator he said that the title company 's attorney approval should be sufficient and did not understand why the underwriter needs a full copy. I explained my concerns with sending this personal information that is irrelevant ( health care directive, etc. ) to close the loan. It took 6 days for the loan originator to get the underwriter to agree to a copy of the trust certification. When I received an estimate of the closing costs on XX/XX/2020 there were no fees associated with a rate lock extension. However, when signing the loan documents in early XX/XX/2020 the loan originator charged us {$1500.00} for the rate lock extension. This was never communicated to me prior to the signature date. I signed the documents out of concern I would not be able to close a loan with such a low interest rate and assuming CrossCountry Mortgage would work with me to settle the issue. In mid XX/XX/2020 I spoke with the loan originator at CrossCountry on  the phone and he verbally told me that I provided all the information within a reasonable time frame and that the rate lock extension fees were a result of the underwriter 's unreasonable request and delay. The loan originator said that he will work with his manager to obtain approval for a refund on the {$1500.00} rate lock extension fees. Communication went on for 3 months and during this time the originator said that a refund was approved by his manager and sitting with the accounts payable department. I continued to follow up on status and eventually the loan originator stopped returning my calls. As a result, I am filing a complaint in response to unfair lending practices of charging me for a rate lock extension that did not result from my actions/inactions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Filed a complaint against equifax 2 weeks ago for fraudulent activity on my credit card that I never used. They are now needing me to send verification of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is reporting an erroneous debt on my credit file that I do not owe. This debt is really old. Not only is it past the statute of limitations but it is also past the credit reporting limit per FCRA guidelines. I do not owe this debt and it needs to be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I have a serious concern - AGAIN - of what XXXX is doing with our escrow money. Last year ( XXXX ) we had to contact the CFPB for homeowners insurance fraud and escrow fraud on XXXX XXXX and it appears we have problems again. 

Here are the 2 problems : Our homeowner 's insurance is not {$460.00} as it states on XXXX 's online info. It's actually {$480.00}, we just received the bill yesterday - XX/XX/XXXX. 
Our last XXXX statement said we had an escrow balance of {$3600.00} on XX/XX/XXXX and today ( XX/XX/XXXX ) it states we have a balance of {$1600.00}. Our property taxes are only {$980.00} - which should be an escrow balance of {$2600.00}. I have 2 documents to prove this amount.

This is the 2nd time we have had fraudulent activity with this company involving our escrow balance and homeowner 's insurance. Lakeview Loan Servicing did not pay our homeowner 's insurance last year, trying to tell us we had to purchase their insurance for a maximum premium. They tried stealing our escrow money and until we contacted CFPB, we got it back. 

I emailed and sent in the 2 documents to XXXX complaining about this issue. Please investigate XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) This is the 2nd time we are dealing with this 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 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
We want to payoff and close our line of credit to Santander Bank. We went to the branch that we opened the account and did the request conf # XXXX on XX/XX/20 at XXXX XXXX They said that we will receive a confirmation letter on the mail. We called again on XX/XX/20 because the payoff that was provided and we paid ( XXXX ) on XX/XX/20 was XXXX more on XX/XX/20 and the answer was that they can not see the account and they did not know what was going on ( XXXX XXXX ), I decided to pay that extra amount in santander online banking. When I checked the account today it shows that we still owe XXXX, We called again and was the same answer, they can not see the account and is nothing that they can do ( XXXX XXXX ). Money was in our checking account to payoff but they said that we still need to do the request ( did it 3 times ), we did the request but did not receive any answer so we decided to do the payment online but that did not stop the bank to post more interest on the account and/or provide a clear explanation of what is going on. I have more details about this situation, if you need it.

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