vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collections account on my credit report that I have attempted to dispute with TransUnion. After submitting a dispute and mailing my documents to TransUnion, they claimed they didn't get my documents and asked the collections agency to verify the account. The collections agency verified the account, said they own it and TransUnion ruled with the creditor - without receiving or reviewing my documentation. 
The problem is that, while the collections agency might have an agreement with the original creditor, I also have an installment plan with the original creditor that I'm currently making payments on. Due to this, I'm stuck in a situation where the creditor and collections agency have a dispute and TransUnion is forcing me to manage that if I want my credit cleaned-up.TransUnion refuses to recognize this and update my account accordingly. 
To make matters worse, TransUnion 's website is regularly broken and will not allow me to submit a dispute with documents attached. I've talked to multiple people in their customer support and nobody will take ownership of the issue and help me resolve. They pass me between different agents and eventually hang up on me with no resolution. 
( Due to quarantine issues, I'm not able to go to the post office. ) It is not my responsibility to ensure TransUnion reports accurate information on my credit report - its TransUnions responsibility. Just because the collection agency confirms and claim they own this account does not mean they do. There appears to be a dispute between the collections agency and the creditor about this account. Its not my responsibility to manage disputes between collection agencies and creditors.Its TransUnions responsibility to ensure my credit report has accurate information and based on the attached documents, the above collections account is not accurate and needs to be removed no later than XX/XX/2020.

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 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Capital One as I had done previously on XX/XX/XXXX, and then again sometime later in XXXX to enroll both my accounts in the covid relief program. I had done so previously in XXXX, and was told my account would not be reported further past due than it was at that time ( which was 17 days past due ). When I called on XX/XX/XXXX the representative advised me that BOTH my payments for both my accounts would be reset to XXXX  and due in XXXX. I received an alert in late XXXX that my account ending in XXXX had been reported 30 days past due by capital one ( {$180.00} ). I called them to ask why, since I was enrolled in the covid relief program, and was told I would not be reported any further past due then I was initially was ( which was not 30 days ). The representative transferred me a to a supervisor who didn't understand what was going on. The supervisor said she would submit a 'contact ' to the backoffice and have them go back and listen to the call to see what was said. They said it would take 10-20 days for a resolution. I called back again to see if there were any other payment programs available, since my husband is still out of work and receiving unemployment and the {$600.00} extra benefit will likely end soon, which would leave us unable to pay our mortgage. I was told there are no more covid relief or any other hardship assistance capital one could offer for either of my accounts. I was able to make a payment for my account ending in XXXX since the minimum payment is much smaller. Today I received a call from XXXX client ID ( XXXX ) who told me that Capital One made no error and the rep I spoke to initially enrolled my account for XXXX and not for XXXX. I explained to XXXX if she would listen to the call the representative clearly advised that XXXX 's payment would both be reset to XXXX. XXXX declined and advised there was nothing she could do to help me, and told me I had to pay {$790.00} by XX/XX/XXXX and since they had no financial assistance programs there was nothing else she could do, and asked if there was anything else she could do to help me. Meanwhile, Capital one still advertises on their website that if you're having trouble making payments they have 'help ' available. They have not kept their word by not honoring the terms of the initial covid relief, and reported both my accounts negatively to the credit bureaus. Unlike my other creditors, capital one doesn't send you any documentation when they've enrolled you in a covid program., but I have a attached the screenshoot when I log into my account where they advertise they are here to help, but are really not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
QUESTION : Im told by PHH/Ocwen and XXXX  XXXX  that they dont know who the registered agent is for the former GMAC Mortgage Corporation. They do know that all of the paperwork/files were transferred to an attorney firm at some point. They are not customer facing or a loan servicer and do not reply to requests for information. 

Does anyone know who the attorney or law firm that was assigned as the registered agent for the former GMAC Mortgage Corporation? 

Background : Property with GMAC Mortgage Lien Requesting Discharge : We are seeking a discharge for the original GMAC mortgage and note that was paid in full/satisfied back in XXXX through a loan refinancing through XXXX XXXX XXXX. A discharge was required to be recorded by GMAC in the XXXX County NJ Clerks Office, but they apparently failed to do so and it was not discovered until XX/XX/XXXX when we went to sell the property at XXXX. I'm prevented from transferring clear title to the buyer because of this so I need a discharge immediately. The property at XXXX was sold on XX/XX/XXXX. However, the title company is withholding {$10000.00} in escrow from the sale proceeds until this GMAC mortgage lien is resolved. 

Overview : XXXX ( husband/wife ) need to obtain a mortgage discharge for a former GMAC Mortgage. 

During the recent sale of our primary home at XXXX, we were informed by the Title Company ( XXXX XXXX ) and the XXXX County ( New Jersey ) Clerk Records Department that we have a GMAC mortgage shown as outstanding. The original mortgage was with GMAC Mortgage Corp of PA loan # XXXX for {$200000.00} dated XX/XX/XXXX. Borrowers were XXXX. We purchased our newly constructed home at XXXX in XX/XX/XXXX for {$280000.00} financed with a {$200000.00} GMAC mortgage. 

This original GMAC mortgage dated XX/XX/XXXX was subsequently refinanced in XX/XX/XXXX at a lower interest rate with XXXX XXXX  XXXX XXXX # XXXX for {$200000.00}, but apparently the GMAC mortgage was never discharged properly with the XXXX County Clerks Office during the refinancing process. The refinanced {$200000.00} mortgage with XXXX XXXX  was apparently sold/purchased by a few banks and eventually was acquired by XXXX XXXX loan # XXXX. XXXX XXXX was holding the loan when XXXX fully paid off the mortgage and XXXX XXXX properly discharged this mortgage with XXXX County Clerks Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My Bank ( PNC ) is not allowing me to link my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So XX/XX/XXXX chase bank closed my account for suspicious activity.. 
I called and was told to go to branch to resolve issue..when I got to the branch a rep called their fraud department and I was told my account will be closed and I will receive my balance as a check in the mail after the account fully close in 10 days ... 

After 10+ days I called to check on my refund and was told that my account is under investigation I asked chase reps ( recorded convo for my own records ) if there is any specific transaction or details they need Im more than willing to assist. 

I was told the investigation was about my ACH {$500.00} & {$600.00} weekly deposits as they believe that funds is meant for someone else and not me I told the rep that that money was from my NYS unemployment benefits. 

I went to a local branch next day with my unemployment details including payment history with my name and last four of SS at the top. 
Branch manager & banker at location agree everything match and notified the fraud department. the documents were scanned and fax over to chase Rep over the phone accepted my proof and advised she will request for my funds to be released. 

Next morning I get a call from chase stating another department XXXX back office ) told them to hold off on releasing the funds until their investigation is complete however my proof will be taken into account..rep have no time frame.. 
Can be days, weeks, months or years. 

Fast forward I got a call from a rep from the executive office who said shell assist me in getting the funds released ... 

Few days later the rep left me a voicemail ( I have proof ) stating your funds have been approved for release and Im waiting on the final expense so I can send you a cashiers check I didnt hear back again so I followed up again with the executive office and was given a new rep name as my current file handler.

Yesterday I got another voicemail from this new person stating back office investigation is still ongoing so we can not release your funds & in addition theres no timeframe Now my concern is I start grad school next month and need the money to cover my tuition expenses Im willing to corporate and clarify any transaction chase bank have issues with however nobody is giving me a direct answer. 
The fraud department treat me like a criminal. 

I feel like they have labeled me guilty and I have to prove my innocence. 

If there is any other transaction in question Ill love to discuss that with chase reps other than that, I just want my balance ( my own money ) I feel like Im been discriminated against because XXXX XXXX, XXXX and from the XXXX. 

You close my checking acct & hold my funds but allow me to still maintain and use my chase credit card Someone please help me resolve this issue with chase Bank. It has been more than 30 days now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: IN

Complaint narrative:
I have sent information to the bureau about a XXXX XXXX  account that i had to submit a claim to you about but now Experian will not fix it in my credit bureau. XXXX  and XXXX XXXX have but Experian has not. Please help. I have even sent them the letter from XXXX to delete the account and still nothing.

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 2020-07-21 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: GA

Complaint narrative:
I spoke with the company reporting the incorrect information back in XX/XX/2020 and per a letter sent to me on their company letterhead they were forwarding a letter to all credit bureaus to delete the entry from my files. I contacted the credit bureaus but they are saying they did not have that information and continue to say they are still reporting as verifiable.

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 2020-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I received a Notice of Servicing Transfer from XXXX XXXX XXXX on XX/XX/2020, notifying me that future mortgage payments should be made to Shellpoint Mortgage Servicing. On XX/XX/2020, my mortgage payment of {$4500.00} was tendered to, and accepted by, Shellpoint. Since that date, Shellpoint has refused to credit my account with the payment. I have called, engaged in an online chat and sent six ( 6 ) emails with proof of payment to the company. However, they will not apply my payment and now show my account in arrears. In addition, Shellpoint has now contacted XXXX claiming that our payment has not been made. I am at a loss. Shellpoint has been absolutely unprofessional, unethical and unhelpful regarding this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover provided me the option to lock/freeze my credit card in order to pay down debt. Now they are refusing to unlock my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: NY

Complaint narrative:
Equifax ( and only Equifax -- the other two CRAs don't have this issue ) lists a former address as my current ( they are missing my two most recent addresses, and list a former address in another state as current ). I would not care, except this is causing issues with financial institutions/applications. 

I have made repeated attempts to directly address the issue with Equifax, including ( 1 ) filing two disputes ( XX/XX/20 and XX/XX/20 ) with them to have the information corrected and providing substantiation and ( 2 ) calling their GCC team, who are distinctly unhelpful ( their call center automated system doesn't verify properly ; and seems designed to shunt people to cheaper servicing options -- this would be fine if their automated/online systems worked ). GCC simply reads back that my former address is still listed as current without providing any clarity as to why they haven't corrected the address ( based on the information I provided as well as all the info the banks have been directly submitting to Equifax ( my addresses are properly reflected with those companies ) ). Curiously, Transunion almost immediately update my report with my new address after I updated with the financial institutions -- unclear what's the deficiency with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Possible Financial Inc
State: OH

Complaint narrative:
I took out a {$250.00} loan from possible finance XX/XX/2020. In XXXX I requested an extension to my lastpayment only if it would not affect my credit. They assured me that due to Covid the company would allow an extension which I agreed to and paid off. A month later I was reported derogatory on my credit report. I filed a dispute with XXXX  and contacted the company. Possible Finance confirmed it was their error and would correct my report within 30 days. It was finally corrected, but a month later the late payment was re-reported and my score dropped again XXXX points. I filed another dispute, contacted XXXX, the BBB, and contacted the company. Again they acknowledged their error, promised a correction and sent a letter that confirms the account was never late/paid in full. My report was corrected. A month later, another alert the company has reported the same 30 day late AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We applied for a convention loan with a XXXX  Score of XXXX in XX/XX/XXXX. We were DENIED this loan due to FORECLOSURE documentation listed by Wells Fargo, on a property at XXXX XXXX XXXX XXXX XXXX, CA XXXX. Account XXXX XXXX. This loan was paid in full as per documentation from Wells Fargo, and per a settlement agreement in XXXX, which agreed to NO FORECLOSURE and DELETE THE TRADE LINE. A letter was sent to XXXX XXXX XXXX XXXX XXXX, with no resolutions. ( Letter Attached ) The reporting in VIOLATION of the Settlement Agreement has DENIED us a home loan.

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 2020-07-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I would like to file a complaint and add Documentation of promises, guarantees, commitments, contracts and more I feel pertinent to my resolve against Fifth Third Bank. The Bank showed to my credit card account XXXX on XX/XX/XXXX the amount {$12000.00}. The charge was paid to XXXX XXXX   XXXX XXXX for XXXX XXXX Dollars and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX Dollars. I would like evidence of their efforts in coming to a resolve to my concern. I would like evidence of how the bank applied Consumer Protection in my behalf. I have other banks which have been successful to satisfy my resolve by back charging the merchant to One Hundred Percent Satisfaction. A question I would like answered is Why Can't Fifth Third Bank Resolve My Concern? The bank can back charge the merchant five hundred forty days which Sundays and Holidays could be additional time if left out. Question : Did the bank try to respond to my concern in back charging the merchant within the allotted time? I made my complaint on XX/XX/XXXX which was in the time allowable to back charge the merchant. The bank may say they only go by bank policy which may be sixty or ninety days. Banks many times don't like to admit there is a merchant back charge opportunity to five hundred forty days but when confronted to fact they often times admit it does exist and they could back charge the merchant. The Bank also advertises They as Fifth Third Bank is sixty six point six times better than any other bank. How is that true? Question is, did they back charge the merchant? How much effort was applied to back charge the merchant? What evidence can the Bank provide me as proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
The company called Caine and Weiney called me several times, and I do not have business with them. They use forceful tactics and try to create a business relationship with me. They are trying ti make me do business with them. I refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-07-21 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: GA

Complaint narrative:
All of the proper documentation was submitted on XX/XX/2020 and the bureaus didn't respond within the 30 days allowed by law and therefore every fraudulent account should be removed immediately! I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation