vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Loan was offered for interest rate reduction. We took it. 
Noticed that payment did go up just a little at first but were told not to worry because it was our escrow that made it go up. 
I discovered accounting errors in how the escrow was handled ; IE during the refinance in XX/XX/201, a little over XXXX was added to the loan refinance. I thought why so high? I continued to dig around and discovered the XXXX was for escrow. In an email the female who offered the XXXX said that they, Veterans United were paying the closing costs ALL OF THEM. Alright, so where did the money go? 

No one can tell me. I had to request documents from Veterans United dba Mortgage Research Center, closing documents from the Title Company, letters, bank statements to reconcile this mess myself. 

Veterans United mishandled our escrow- missing {$3100.00} Veterans United misplaced, " lost or stole '' 1 mortgage payment ; based on their own numbers, {$1800.00} Veterans United violated the law by charging fees during a pandemic when they already had the paperwork asking for hardship due to spouse being furloughed starting XX/XX/XXXX. They cited in a phone call how sorry they were and the money was to be returned. That was false. No monies have been returned and as a matter of fact the couple of times we were late VU charged 3 times amount of fees that was legal. Total= {$1900.00} VU charged NSF during the pandemic when we didn't make payments starting XX/XX/XXXX. I am unsure how a business can charge NSF when no XXXX payment was made. EXPLAIN THAT. Then they charged not {$25.00} but {$250.00} in fees. 

The company then sold our loan to XXXX XXXX. That is how they responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: MA

Complaint narrative:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX  the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX XXXX department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely 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 non-monetary relief
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent XXXX the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called XXXX  several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX sent me a email with threats of taking my Social Security, payroll checks, plus terrible language of threats that they will prosecutes in court. This loan at XXXX was. Opened in 2017, by fraud XXXX closed the account after being notified by legal services at XXXX XXXX XXXX XXXX, due to financial fraud, and protected by Consumer Rights. Immediately following XXXX started sending me terrible threats, and posting on my Credit report, assigned later to XXXX  FOR COLLECTION, changing the information when the acct was originally opened.

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
We XXXX and XXXX XXXX received on XX/XX/2021 a credit report showing credit scores below : XXXX XXXX XXXX XXXX XXXX XXXX We have asked on numerous occiassion for the credit burea to come to arbitration or court and they have found XXXX ways to get out of it. We have kept 10 years of paid receipts Rent, Car, Credit Cards, Utility Bills. When we dispute bills via certified return receipt that are fraudlent they refuse to goto arbitraion and or court. We would like to have each credit burea come to court and I will bring 10 years of paid receipts that show they have not been very honest or fair in their dealings. 

The credit Bureau who gave us the credit score is XXXX  XXXX XXXX XXXX XXXX Texas 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 2021-01-28 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: MA

Complaint narrative:
XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent Experian the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called Experian several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ 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 2021-01-28 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: FL

Complaint narrative:
The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
During my XXXX  appointment today XX/XX/21, I tried to use my Care Credit card only to find out that Synchrony Bank  closed it six days prior on XX/XX/21 without any notice. This was a unexpected XXXX  emergency and I had full expectations on using this card due to Covid and shutdowns money is tight. I called and was told that I could reapply. I only had the Care Credit card for less than one year and never made a charge with it. I have several cards through Synchrony Bank which have all been paid on time. For a company to do this in the middle of a pandemic all while posting that they are here to help during this time is so contradictory.

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 2021-01-28 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: GA

Complaint narrative:
I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the XXXX XXXX XXXX, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.

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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed all my credit cards account for absurd reasons, which makes me and my family very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, Transunion, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical 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 2021-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax, XXXX, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
on XX/XX/XXXX I made an online payment of XXXX to NewRez/Shellpoint for my XXXX Mortgage payment. On XX/XX/XXXX, I received a letter from NewRez indicating that the payment was returned by my financial institution. The evening of XX/XX/XXXX, I contacted NewRez via telephone and advised them that the payment was not returned and that the monies were debited from my account on XX/XX/XXXX. Both customer reps that I spoke with stated ( 1 ) that the payment was returned 'Account Closed ' and ( 2 ) I needed to email the loan servicing department to resolve the issue. After hanging up from the call with customer service on XX/XX/XXXX, I emailed the loan servicing department advising them that the payment was not returned, as the account is still open and active. Attached to the email was the bank printout showing the funds were debited by NewRez on XX/XX/XXXX. 

As a follow up to my email and conversation with the customer service reps on XX/XX/XXXX, the morning of XX/XX/XXXX, I contacted XXXX XXXX 's ACH department to verify that the funds were not returned at which time I was advised that on XX/XX/XXXX they had system issues and erroneously notified banks that accounts were closed and/or had insufficient funds, however the funds were debited from the account and not returned. The banks branch manager then assured me that the NewRez had already been contacted regarding their system issue on XX/XX/XXXX. 

As a follow up to my conversation with the XXXX XXXX where the mortgage payment was successfully debited from my account, on XX/XX/XXXX, I emailed NewRez again notifying them of the bank error. Additionally, NewRez was provided the bank managers contact information and notified that per the bank manager that as a mortgage originator, NewRez had already been contacted regarding the error. 

On XX/XX/XXXX NewRez was once again contacted regarding the bank error at which time I was notified that they were aware of the issue and that it was resolved. Additionally, I was told that my XXXX payment had not been received. After I kept questioning the rep and provided a specific date ( XX/XX/XXXX ) that the payment was debited from my account and posted online to their system, she admitted that the payment was in fact received. 

Thinking that the issue was resolved related to XXXX payment, where once again the monies debited from my account and not returned ... .. I went online XX/XX/XXXX to make XXXX XXXX payment at which time the system indicated that the account is in forbearance and that payments are not acceptable. I did not request a forbearance and have been making all payments. 

Please help. Not sure why NewRez is not posting/processing my payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello I closed a fee-based credit card with Citibank in XXXX as I was not happy with the quality of their service. I was paying a substantial annual fee for their Prestige Card and did not find value in it. I closed my card on XX/XX/XXXX and was told a prorated refund will be sent back. I have not received anything. I have called and chatted with them in the past and was told that the refund willl be processed shortly. I called again today ( XX/XX/XXXX ) and spoke to an agent who said that they have no records - which does not make any sense. Citibank can not simple decide to keep my money - thats just not now it works. Their complete disregard for consumers is the reason I closed my card in the first place. I should have expected nothing less from them. God forbid a consumer misses a payment - but is Citibank is allowed to do whatever they want? 

I would appreciate your intervention to restore consumer confidence in the ability of government oversight to keep things somewhat fair. These types of run around tactics should not be allowed. It is a complete waste or my time and your time. 

With appreciation for your work! 

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 2021-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
An old medical bill from XX/XX/XXXX in the amount of {$480.00} that was supposed to be paid by my childs Medicaid was not paid. Commonwealth Financial is a collection agency and has reported this to my credit as a new account that started/opened in XXXX. I have been disputing this multiple times since last year that these dates are inaccurate and they keep reporting back that it is accurate. I have contacted XXXX and XXXX to fight this but they say they can not change anything if the collection agency is saying it is accurate. When trying to apply for a home loan, they are telling me This is hurting my credit because it appears as a new opened collection account. The loan officer said if I could get it updated to show this is an old account, it will help me. I have documentation of this showing correct dates but nobody is helping me to correct this. The collection agency keeps reporting it as all information being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Get my money back please

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 2021-01-28 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: OH

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children with XXXX on the way.

Company response to consumer: Closed with explanation