vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: NRA Group, LLC
State: PA

Complaint narrative:
On XX/XX/2018, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

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 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
XXXX XXXX has already been paid by insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We were in a modification loss mitigation due to COVID-19. Our financial situation due to covid ended the end of XX/XX/XXXX. I notified Shellpoint Mortgage Servicing, and started making payments. I was told to skip XX/XX/XXXX that the new loan would start XX/XX/XXXX. I have called numerous times for updates, I finally received and update on XX/XX/XXXX. I was unable to receive status since XX/XX/XXXX from any customer service rep or reach my point of contact XXXX XXXX until XX/XX/XXXX. The dates called XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. 
On XX/XX/XXXX after 3 months I was told the interest rate was incorrect from the XX/XX/XXXX paper work and again to skip XX/XX/XXXX payment and the new loan would start XX/XX/XXXX, XXXX XXXX also stated that I shouldn't had made XXXX or XXXX payment due to I am in loss mitigation, but with the new payment and interest rate the loan will be current. The new paper work was mailed to me on XX/XX/XXXX and mailed back on XX/XX/XXXX. On the call XX/XX/XXXX I was told the paper work was received and I wanted to verify if this was a fixed or adjustable loan.. And was reconfirmed that on page 2 of the documents I sent in shows fixed at 2.125 % to give them a week to process. XXXX XXXX called and left a message with no info to call back on XX/XX/XXXX the representative says there are no notes on the file of why he called. XXXX XXXX again called on XXXX and says the paper work that was received on XX/XX/XXXX in there office was for dates of the old loan XX/XX/XXXX. So as you can see why I am filing a complaint. I haven't been unable to get updates on my loan, I mail in paperwork its confirmed received and then told I mailed in old paper work with the wrong dates, amounts of loan and interest rates. I have already made my new payment arrangement for XX/XX/XXXX but the mortgage company is changing the story of what was sent in, I'm wondering what's next?? As I read reviews online this is an ongoing problem of not wanting to complete or help customers with refinancing loans. I do not want to go into foreclosure or having any issues with my loan due to the mortgage co being at fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
This involves a construction mortgage loan which was with Trustmark National Bank. Trustmark 's mortgage division denied a previously approved 30 year locked in rate ( see exhibit F ) for the permanent financing for this construction loan. The underwriting was behind schedule because they were all working from home during the height of the pandemic. This caused a delay in underwriting, so the denial occurred two months after the maturity of the construction loan. The reason for denial as stated by the Trustmark mortgage division ( see exhibit G ), was that they perceived that there was a forbearance on my credit from another loan ( different bank ) because the credit report showed a footnote that said " affected by national declared emergency '', even though the report reflected all debts as current. Trustmark bank, who held the construction note, then agreed to provide accommodations by modifying the loan, lowering the rate, deferring the current payment that had matured, and amortizing it for 240 payments. The span of time between when the construction loan matured, and when the underwriting for both the mortgage division, and the bank itself was complete was approximately 90 days. For this time period, the bank charged interest for the time value of the balance, but at the same time it reported the note as delinquent ( see exhibit H ). 
In Summary, My complaints are against Both Trustmark National Bank and Trustmark Mortgage for the following reasons : 1. Trustmark National Bank provided accommodations as defined in Section 4021 of the CARES Act, while being aware of, and in full knowledge that this issue was directly affected by COVID 19. 
2. Trustmark bank violated the Fair Credit Reporting Act as well as Section 4021 of the CARES Act in reporting the covid related accommodations as delinquent.

3. The illegal/erroneous reports by Trustmark National Bank, has caused financial harm to me.

4. Both the loan officer, and branch president have been notified in writing of the incorrect reporting, but as to date, they either refuse to respond to the email, or otherwise have failed to respond. When confronted in person, the branch president stated his position to be that he had made no errors and would make no corrections. 

I have made every effort to pursue this through the channels available to me, such as filing disputes with the bank and various agencies including the credit reporting bureau experian. Now as there have been no corrections, I will pursue litigation if this avenue is not successful.

Thanks for Your Help In This Matter

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 2021-02-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted 3 disputes online through Equifax regarding and unauthorized hard inquiry on my credit from the department store XXXX XXXX. I have a letter from the actual store saying they made a mistake and they will remove this from my credit and yet Equifax does not reach out via email or phone to follow-up and ask for supporting documents and they close my dispute saying everything looks correct. I have been calling Equifax to dispute this over the phone and every time I do, they always say there system is down to call back in 30 mins to an hour! I tried sending a fax with this prove that this hard inquiry should be removed from my credit report and they do not do anything about it! I tried reaching to XXXX XXXX and they say it could take up to 30 days but it never gets removed and this was a hard inquiry made in XX/XX/XXXX! XXXX XXXX letter is dated XX/XX/XXXX and we are now in XX/XX/XXXX and this is still showing on Equifax credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
1 ) I registered my CapitalOne Spark Business Visa Credit Card with Visa XXXX early XX/XX/2020. This Visa program run in conjunction with participating banks including CapitalOne offers discounts from participating merchants in the form of statement credits after qualifying purchases. I am supposed to see these statement credits applied to my CaptialOne card statements. 

2 ) I made subsequent qualifying purchases in XXXX, XXXX, and XXXX from XXXX expecting to receive the 5 % statement credit promised. 

3 ) I have received no 5 % credits. 

4 ) I contacted Capital One and spoke with 3 representatives on the phone all of whom were unable to assist me in pursuing the missing statement credits for my CapitalOne Spark Business Visa. 

5 ) The contact number for the Visa XXXX program XXXX has not worked for the past month - I always get a recording saying this number is experiencing technical difficulties. 

Please assist me in getting the missing credits from my qualifying purchases applied to my CapitalOne Spark Business Visa credit card account. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: TX

Complaint narrative:
THIS COMPANY CONTACTED MY WORK AND MY CELL PHONE WHEN I INFORMED THEM TO CEASE AND DESIST. THIS A MEDICAL BILL THAT WAS OUTSOURCED TO A 3RD PARTY THAT IS UNCOLLECTIBLE DUE TO BEING INCLUDED IN A BK 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 2021-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I was contacted by Quicken Loans dba. Rocket Mortgage to refinance my VA loan that they serviced. The terms looked good so I agreed and the process began. Everything appeared to go well until the closing approached and the numbers agreed on had changed. I requested that the refinance be terminated and was told it would be so. I was contacted by a 'Resolution Specialist ' and was told he would look into it. He got back to me and explained the increase in payments was due to escrow increases which I agreed, and the refinance went forward to close. My closing was on XX/XX/XXXX and the numbers were as agreed. Six days after close I was told the payments would be higher due to an insurance payment that was made and my payments would be increased. The next day I called and requested cancellation of the refinance and was told it would move forward. Meanwhile I had to make a payment on the original loan to avoid a late penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I have contacted this company several times to ask about the debt they claim I owe, however they can not answer who I owe the debt to. This is a medical bill for XXXX and the address of this company is XXXX XXXX XXXX XXXX, NC XXXX. I looked up this company with XXXX  and it appears this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
BSI Financial is my mortgage servicer. I established a new loan with them in XX/XX/XXXX. They have failed to pay my County tax bill with my established escrows. I have sent them a request in XXXX and XXXX with the County Tax bill. They tell me they will do it. I see this as a larger problem and that they have an issue managing escrow accounts. I expect BSI will resolve the issue, but I wanted to warn the CFPB about this problem, I suspect they have ongoing financial issues. They have been fined in XXXX for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Thank you for reading this inquiry. I purchased the XXXX  XXXX XXXX in XXXX of 2020 and the XXXX vehicle was listed as roughly {$37000.00}. At that time, the salesperson at the dealership added {$10000.00} of warranties onto my note. I fought for months to get the warranties removed and finally, the cost of the vehicle s down to the original price of {$35000.00}. I traded in a XXXX XXXX XXXX and it was valued at {$8000.00} and I did not receive the full value of the trade. I received almost {$2000.00} less than the trade value. Lastly, upon check-in on the value of the XXXX XXXX, the vehicle is only worth {$18000.00}. Not the {$35000.00} owned on the vehicle. I was charged double of what the vehicle is worth and can not refinance to lower my monthly out of pocket because the vehicle is not worth {$35000.00}. I am feeling like I made a huge mistake by purchasing this vehicle from XXXX, and as a consumer, I did not think I would be this taken advantage of. I am asking for someone to look into this purchase and please find leniency, to reduce the cost of the car. I like my XXXX, but I can not afford to pay double of what the car is worth. 

Thank you XXXX XXXX XXXX Mileage : XXXX Miles VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one.

There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. 

I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. 

This is ridiculous. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CitiBank contacted me on XXXX XXXX claiming a past due balance on my Home Depot card. This is not the first time that have done this since the start of the pandemic. In XX/XX/XXXX it took 3 weeks for my payment by mail to be received. They continued to call my house everyday. My XXXX XXXX payment was mailed 2 weeks before the due date. Once again it appears that slow mail delivery is at fault. I refuse to allow them to make withdrawals from my bank account due to being a victim of attempted ID theft from XXXX. CitiBank reduced my credit limit after the XX/XX/XXXX incident and increased my interest rate. They will most likely do the same thing again over this case. The harassing phone calls have already started.

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 2021-02-09 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: TX

Complaint narrative:
I previously disputed an item regarding Rise that was fraudulently placed upon my XXXX  XXXX  and Transunion credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on 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 explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously disputed an item regarding XXXX that was fraudulently placed upon my XXXX  Equifax and XXXX  credit reports. The item was removed, this morning I received notice that a debt collector, XXXX had once again placed the debt collection against my credit report in violation of The Fair Credit Reporting Act and The Fair Debt Collection Practices Act without sending me notice, a debt validation letter or an opportunity to dispute the debt. Please find submitted with my complaint an updated identity theft notice with The FTC, notice of dispute and lawsuit filed by The CFPB against XXXX for engaging in this type of misconduct. Once the item is removed or deleted it can not be placed again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: KY

Complaint narrative:
payment was made on the weekend. i went to the credit card website to make a payment as i went to the site to make the payment with my checking account it was declined. so i used my debit card. the next day i noticed that there was two transactions it was XXXX that the original payment with checking was processed. i called the bank where my checking account is held who advised that the credit card company would need to be on the line to fix this issue. when contacting the credit card company the agents stated that they were not able or unqualified to assist with this issue and continued to refused to provide bank with the information required to fix this charge and stated that there was " nothing '' they could do on their end. never seen as much so i advised to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation