vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 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: SC

Complaint narrative:
There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau

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 2021-05-14 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: SC

Complaint narrative:
There is a medical collection on my report. Not only does it violate HIPPA it is also reporting incorrectly. I have medical insurance and my insurance has covered all of my medical expenses in the last 4 years. I have contacted the company as well as filed a dispute with the credit bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 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: TX

Complaint narrative:
My car was a total lost on XXXX XX/XX/XXXX. My insurance company ( XXXX ) paid for the total lost and my GAP insurance was going to cover the remainder. The GAP company needed some information from the dealer and XXXX XXXX XXXX in order to process the claim but the two companies were very non-compliant providing that information. I called XXXX XXXX XXXX several times every month and I specifically asked them if I needed to continue making monthly payments. They told me that I didn't need to make monthly payments because the vehicle was a total lost and the remaining amount was going to be covered by the GAP insurance and also that interest would not be accumulating anymore. I didn't get a written confirmation of this conversation but they never called me, mailed or emailed me any late statements or any notices telling me that I was late or that I needed to make payments. 
After over 7 months of constantly contacting XXXX XXXX XXXX and requesting that they provided the info to the GAP company they finally did it and in XXXX of XXXX the GAP company issued them a check for the remainder amount. 
I was very surprised when I got a noticed from Experian telling me that my credit score had dropped dramatically. When I checked Experian I noticed that XXXX XXXX XXXX had reported that my loan was " Paid was a Charge-Off ''. Also, in the section regarding my payment history Experian was reporting that from the months of XX/XX/XXXX to XX/XX/XXXX there was no data available or reported to them. I submitted a dispute and the information remained the same plus in this case, XXXX XXXX XXXX reported that I was also late in payments from XX/XX/XXXX to XX/XX/XXXX. I challenged that information with Experian and XXXX XXXX XXXX and submitted an additional dispute. They told me that they were going to look into it but is not going anywhere because the second dispute was completed and contained the same derogatory information.

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 2021-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a Simple Customer and was transferred to BBVA on XX/XX/XXXX. I did receive correspondence from simple throughout the process and some from BBVA saying it would be a seamless switch. 

On XX/XX/XXXX, their system would not accept simple customers through the link they provided which left me without access to my savings accounts. 

No customer service was provided on XX/XX/XXXX to help with this transition. 

I called on XX/XX/XXXX and was told that customer service could not help me because I had started the switch on their app and the system was down. 

I called back on XX/XX/XXXX and was told that the entire online system was down so I would need to call back. 

I waited until the XXXX to call back hoping that in the week 's time they would have their system in order. I called and the lady I spoke with told me that she would have to get another dept. to call me back, I explained that I was on my lunch for 30 min and needed to take care of this before the weekend. she told me there was nothing she could do. 

I have gone 7 days without having any access to my savings accounts with no clear end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SC

Complaint narrative:
XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.

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 2021-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, XXXX, and Experian, but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. 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 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: SC

Complaint narrative:
XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.

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 2021-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I was in the process of getting a loan modification, but the wording on my divorce decree read " Member will refinance property ''. Since it was a modification and not a refinance they said i can't continue with the modification unless I get the wording changed on my divorce decree. I was finally able to get my ex spouse to agree to the wording change and now Carrington mortgage is saying that I don't qualify because I had a modification within the last 2 years with them. This is not true, because the loan was never modified. After the modification process stopped Carrington mortgage stopped accepting my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This particular debt collection agency XXXX MIDLAND CREDIT MANAGEMENT ) is reporting fraudulent information to the credit bureaus. I have asked for particular documents relating to the fraudulent account. The following information I've asked for and never received are as follows : 1 ) THE ORIGINAL CONTRACT 2 ) THE PAY OFF DISCLOSURE 3 ) THE INTEREST RATE DISCLOSURE 4 ) THE BALANCE HISTORY 5 ) THE PAYMENT HISTORY 6 ) THE CREDIT INSURANCE 7 ) MY WET SIGNATURE I have contacted the agency twice. The first time I was told that the information was mailed out, but it was sent to an address that I've never lived ( fraudulent address ) .So I gave the agency my actual address and noted that the account on file is fraudulent. They said they were going to do an investigation and they would also send the documents that I requested. They mailed me the investigation results, but NO DOCUMENTS. The second time I called, I asked for the documents again. The agency said they would mail out the documents, and that it would take 7-10 days for me to receive them. It has been over 30 days during this process and I still haven't received what I have asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGA CAPITAL FUNDING INC.
State: CA

Complaint narrative:
In XXXX of 2020 I sent in a payment to establish my escrow account. I called more than once to verify that my escrow account would be established and they said it would be. I waited for my payment amount to change and after a few months of no change I called again. They misapplied my escrow payment to my principle, when they reversed the payment they also reversed my last three mortgage payments and then sent me to collections and sent letters saying that I was in default. I called multiple times trying to get the situation sorted out. I was told that it would be fixed by XXXX, it was not. It has finally been fixed and they took the correct payment over the phone. I called to make the XXXX payment and they are refusing to take my payment. They insist that they can not take a partial payment, even though they did for XXXX. They have messed up my account and have not been helpful. I can not understand how they are able to stay in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: PNC Bank N.A.
State: NJ

Complaint narrative:
There was an application I was thinking about submitting with PNC bank. The submit button was not hit by me as with further research, I found that PNC has poor products and rates. Some how the application went through. I called PNC and they would not start a dispute of credit inquiry, also would not tell me which credit bureau they used when accidentally application went through. I want this inquiry stricken off my credit report as it was not my intention to apply. The bank is confused and answers no questions, transfers to other departments without resolution. This again was not my intent to apply with them, I want the inquiry taken off my report. It happened on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: AZ

Complaint narrative:
XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir XX/XX/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 2021-05-14 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: AZ

Complaint narrative:
XX/XX/XXXX I opened an account with XXXX. XX/XX/XXXX, I left my card inside of a taxi. I called and reported the card list/stolen. A new card was issued and I was informed to wait up to 10 days to receive. I received this card XX/XX/XXXX. The old account ending XXXX is reporting as close on my credit report but I still have the account history on this account reporting XXXX as if it was open. My new account ending in XXXX and My closed account has the same history reporting on my credit report. This is considered duplicate reporting because I only have 1 open account with this company. The bureau have the account closed but no date as to when it was closed but a status update fir XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX around XXXX my IP address was hacked and 2 XXXX transactions were UNAUTHORIZED to XXXX I changed ALL my bank info & the amount total taken illegally was XXXX & my bank would reverse those unauthorized fraud charges, but my ip address matched?! I filed a police report, and no one is doing anything, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I opened a Comenity Bank/Victoria 's Secret consumer credit card on XX/XX/XXXX. From the date the account was open in XXXX I remained current on all payments. In XX/XX/XXXX I took a job with a small medical practice that mainly served the geriatric population. The first COVID19 cases were being reported in late XXXX and our geriatric patient population began declining significantly due to the fear of being in a healthcare setting during an outbreak of a deadly virus. My hours were cut significantly at the beginning of XXXX and I was completely laid off at the end of XXXX due to lack of work. I missed my XXXX payment on my Comenity Bank/Victoria 's secret credit card due to the lack of working hours and uncertainty of financial stability at that time. In XXXX I was approved for unemployment assistance at which time I resumed payments on this card. I disputed the late charge that was reported to the credit bureau along with proof that I was laid off due to the Pandemic. After several disputes and explanation of my situation along with proof, Comenity Bank/Victoria 's secret still refuses to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I received 2 debt collection letters from LEONARD & ASSOCIATES demanding payment for a total of {$160.00}. 
I did go to XXXX XXXX in 2 of its locations One is to get information and in another occasion I received an Attention by a Nurse not by a License Doctor, I fully dispute the amount this Debt Collector states in their 2 debt collection letters. 
I'm attaching a Dispute Letter to get the proper response from the Original Creditor as Well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several collections on my credit bureau that I have disputed, the disputes have not been validated. The collections are the following XXXX Opened XX/XX/XXXX {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$440.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX  Opened XX/XX/XXXX {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$160.00} Original creditor : XXXX I never opened any of those accounts neither have I had any agreement with any of those companies. 
I ask for proof of validation in my XXXX reports since I file for proof of validation via letters and nothing was sent back on the following dates XX/XX/XXXX XXXX they said that they sent a letter in the letter that they sent nothing was verified. Immediately I filed an Ftc report on XXXX FTC Report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX debt they could not find me in the system. 
XXXX XXXX complaint XXXX XXXX  no one responded I will attached all of the documentation to here so that all can be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
We purchased the house in XX/XX/XXXX, United Wholesale Mortgage ( UWM ) was our loan servicer. UWM erroneously paid my next door neighbors property taxes along with mine out of my escrow account, twice. My loan was sold to XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX sent me an annual escrow account disclosure statement saying there is a shortfall in my escrow account and my new mortgage payment was increasing $ XXXX a month as of XX/XX/XXXX. Obviously that got my attention and after reviewing the statement I noticed the multiple property tax payments. I only have one XXXX at my property. I started communication with both XXXX and UWM in XXXX of XXXX regarding this error, always getting a different customer service rep that is sympathetic but not able to get anything done. Finally in XXXX of XXXX I was able to get one of the payments back into my escrow account. The remaining XX/XX/XXXX payment was made in a large wire and can only be lifted off from the people who paid it, UWM/XXXX I can't get them to do it. To be clear, in your questions you asked if I'm behind in my mortgage payments, I answered yes because that's what XXXX is showing but I make my agreed upon monthly payment on time every month and have never even been late, I just refuse to pay extra because UWM made a mistake. In XX/XX/XXXX XXXX reported us to the credit agencies as being past due which caused our credit score to drop over a XXXX points! Now we're getting foreclosure threatening letters. I need help to get through this corporate world so that someone will listen to me and fix this nightmare that's been going on for almost a year! I hope you can help. Thank you.

Company response to consumer: Closed with explanation