vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, and TransUnion has XX/XX/XXXX and XXXX  Has NOTHING!. Please tell me how this information was verified by the same creditor but still report inconsistently across the three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 

Account name : Dept XXXX Account # XXXX Account name : DeptXXXX Account # XXXX Account name DEPTEDXXXX   Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In two separate instances this year ( XX/XX/XXXX and XX/XX/XXXX ), whenever I pay out a big chunk of my credit card balance by more than a XXXX dollars, the actual credit score is lowered instead of increasing. The reason stated in the credit report is that I lowered my credit card balance! The amount of points lowered are important, 7 and 10 points, respectively. All the other reporting agencies actually increase my scoring by similar scoring points, 7 to 10 points in each case. I think there is something wrong in the programming of this values. What is the purpose of reducing a big chunk of my balances if the credit score will be hurt by it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX had an offer to check for a mortgage refinance with XXXX XXXX  by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Credit Karma, LLC
State: RI

Complaint narrative:
Credit Karma had an offer to check for a mortgage refinance with XXXX XXXX by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CBC Companies, Inc.
State: CA

Complaint narrative:
The issue was that your company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus contact them to find out that your company told us was extremely low we are talking about a credit score XXXX to be lowered supposedly 200 this outrageous. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Horrific experience with Mortgage Loan process with US Bank!!! 

On XX/XX/XXXX, I've processed my refinance loan application with US bank and I was promised 45-60 day closing and a particular interest rate. I've submitted all the pertaining documents no later than a day and I've done this several times through out the process. Today is day 92 and I was just informed that my loan would take another 10-15 days to close. US bank has also pressurized me to open a checking account with in a day as they were going to close my loan shortly. It has been more than 30 days since that has happened and after repeated requests by me, US Bank till date has not responded. 
This is the most horrific experience I ever had, the practices employed by US Bank is no less than predatory lending. False advertisement and terrible lending practices. 

I would like CFPB to investigate this and save customers from this distress during these already stressful times.

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 monetary relief
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I applied for a short sale, the short sale option was approved. I listed my property with a local agent. When an offer to purchase was received the real estate broker was advised to submit a Hud-1 closing statement. He submitted said statement 4 to 5 times. Each time he was told the numbers didn't add up. When I phoned my lender for updates I was advised the same. I then paid a title company {$150.00} to prepare this Hud-1 closing statement. When the lender received the Hud-1 statement from the title company, they withdraw the offer to purchase siting I had changed the buyer. I explained to the lender the buyer has not changed. The buyer 's grandfather is gifting him the funds to close as part of the buyers inheritance. The mortgage company then sent me written notice. Your request for short sale has been withdrawn because you changed buyers. The real estate broker along with myself have phoned, written, appealed their decision all while explaining the buyer has not changed. The buyer is still the same. We added the grandfathers name to the Hud-1 because the proof of funds from the bank ( which the lender has a copy of ) is in his ( the grandfather 's ) name. The buyer is the same and as of today he is still interested in purchasing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: AZ

Complaint narrative:
This is a follow up from dispute XXXX submitted on XXXX/XXXX/2020 I have resubmitted my claim along with the requested documentation I have included a copy of my social security card, drivers license, birth certificate, utility bill verifying I XXXX XXXX am submitting this dispute.On XXXX/XXXX/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XXXX/XXXX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XXXX 2020. On XXXX/XXXX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XXXX/XXXX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XXXX/2020 on XXXX/XXXX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XXXX/XXXX/2020 I received a copy of my credit report experian updated the comments stating I was recalled to active military duty. I have never claimed to be in the military nor did I state I have been called to active military duty wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report. On XX/XX/XXXX I submitted a complaint XXXX with CFPB and experian once again refused to investigate my complaint their reasoning was they did not believe it was me submitting this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: GA

Complaint narrative:
I submitted an application verifying my employment on XXXX XXXX, 2020. I received a response from FedLoan on XXXX XXXX, 2020 informing me that the form was missing required information. I reviewed the form that I provided to FedLoan, and it has the required information. ( FedLoan has a feature where the customer can review previous file uploads. ) I've since resubmitted the form, but I'd like to ensure that the form is properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
In late XXXX 2020 I applied to Quicken Loans to refinance my home. After the formal application was made and I complied with all documentation requests, I was pre-approved for the mortgage. In early XXXX, about ten weeks after my application was first processed, I was told that my loan application was denied and that I would not qualify for a loan, because I did not meet XXXX XXXX qualification criteria. 

At issue : I hold more than 25 % of the stock in an independent C-Corporation, and that corporation has a negative balance sheet. Quicken Loans is suggesting that having stock in an independent C-Corp with debt is somehow a financial liability to me, which is not the case. That stock is actually a tremendous asset, based on a recent company valuation. For the record, I'm not trying to use that asset in any way to qualify for the loan. 

I have contacted XXXX XXXX and researched their guidelines, and do not see any guidelines that Quicken Loans could be enforcing, but I'm not a lending expert and I can't say for sure that such a guideline doesn't exist. I believe that either XXXX XXXX, or more likely, Quicken Loans is engaging in an unfair business practice that is unjustified, inappropriate, makes no sense, and discriminates against consumers like myself. I spoke at length with several Quicken representatives and ended up speaking to XXXX XXXX, Need Resolution Advocate ( XXXX ). XXXX, like his colleagues, could not explain any rationale for the criterion that they used to disqualify my application other than it was based on either an internal interpretation of XXXX XXXX guidelines, the XXXX XXXX guideline itself, or both. 

I believe either Quicken Loans is misrepresenting the XXXX XXXX guidelines and employing unfair lending practices, or the XXXX XXXX guidelines are inappropriate and unfair to consumers. Either way, I have been harmed by this unfair business practice and I believe other consumers will be or have been harmed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
The attorney XXXX XXXX did the short sale of the property at XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. I am not complaining about his service. I am filing a complaint against SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX. 

This Short Sale was completed XX/XX/2019. Shellpoint Mtg. listed this short sale as a Foreclosure on our Credit Report. They did rectify this error last month. However, in the mean time my husband and I are trying to get a new loan from the VA. 

Since the foreclosure was reported on the credit report the VA XXXX people have asked me to get a letter from Shellpoint stating that they made the error, even though it if off the credit report. 

The thing is that I have been sending emails, calling and sent them a request by mail for over a month with no response from them. 

I don't think that is fair to us all they need to do is to send me a letter stating that the error was their fault. 

Please let me know what if anything else is needed to proceed with this complaint. 

Not very good customer service from Shellpoint!! 


Thank You XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/2020 I purchased a new oven from Lowes and paid an additional amount of {$160.00} for installation in case the oven did not fit and they had to cut out the space in order to fit the oven. I used our Lowes credit card for the purchase. Lowe 's indicated this amount would be refunded if not needed. When they installed it on XXXX/XXXX/2020 no " cut-outs '' were required therefore the installer indicated the amount would be refunded. I called Lowes at least 4 times to request this refund and they indicated they would address it and never did. Then I disputed the amount with the credit card company which is Synchrony bank and submitted the appropriate " Dispute Acknowledgement Form '' in XXXX of 2020. This was done on-line. To date I have had no response and followed up on XX/XX/2020, XXXX XXXX, 2020 and XXXX XXXX, 2020. I would like my refund that is due to me and a response from the financial institution.

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 monetary relief
Consumer complaint received 2020-10-16 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: LoanCare, LLC
State: AZ

Complaint narrative:
We contacted our Lender about a refinance in XXXX of XXXX. They told us because of 2 previous late payments, we would need to apply for a modification instead. But to be approved for the modification, we must be 30 days late, but the late payments would be deleted upon approval. We didnt make our payment, and submitted the application. We still paid each month, but made sure it always was 30 days past due per their guidelines. What was supposed to be 45 day process turned into 7 months. Then they called us in XXXX telling us they " accidentally '' denied our application, but because it's different laws than a refi.. we would need to reapply and start the process over. We declined and immediately brought the loan current. I then for 4 months in a row disputed the required late payments, asking them to remove them from our credit, since it was what THEY required for the application process. They continually declined our requests to remove. 
On XX/XX/XXXX, I received a letter from them stating they had again received our dispute request to remove the late payments showing on our mortgage, from XX/XX/XXXX - XX/XX/XXXX. After not receiving any response I called in on XX/XX/XXXX, and was notified it was again denied. They then forwarded me a copy of the denial letter ( since we never received the denial letter by email or by mail ), which wasn't generated by them until XX/XX/XXXX. Outside of the 30 day FCRA guidelines. I then called them more than 15 times, letting them know they were over the 30 day limit, and now they were required by law to remove these late payments they were reporting. They STILL refuse to remove them. After dealing with this for over half the year now ... it was suggested I come to you for a resolution to get these removed, for not only their error in not responding within the required amount of time by the FCRA of 30 days, but for just not doing the right thing for their borrowers based on THEIR mistake and lies during our modification application process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
WE ARE IN THE PROCESS OF A VA IRRL. I MAILED A CK TO NEW REZ ON THE XXXX OF XXXX AND REALIZED IT WOULD NOT CLEAR IN TIME TO SHOW XXXX PAYMENT POSTED ON TIME. SO I STOPPED PAYMENT AND CALLED IN A PHONE PAYMENT CONFIRMATION # XXXX. HOWEVER, NEW REZ DID NOT REQUEST THE ACH TRANSFER FOR MY PAYMENT FOR XXXX. I THEN CALLED IN ANOTHER PAYMENT CONFIRMATION # XXXX PROVIDED BY NEW REZ. MY LOAN HAS RECORDED AND SINCE THE XXXX HAS NOT POSTED NOW WE ARE SHORT TO CLOSE THE LOAN.SO TODAY NEW REZ STATED ANOTHER 2 TO 3 DAYS TO POST MY PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: PA

Complaint narrative:
On XX/XX/XXXX, Enhanced Recovery Company ( ERC XXXX sent a letter attempting to collect on a debt of {$120.00} on behalf of XXXX XXXX XXXX XXXX. I responded with a certified letter by mail consisting of the following : " XXXX : XXXX XXXX XXXX, XXXX. Account : **** I was notified by your company on XX/XX/XXXX regarding an alleged debt. I have reason to believe that this debt is an error on the part of the original creditor as I returned all equipment and closed my account with no notice of outstanding balances in XXXX of XXXX. Since that time, I have not been informed of any outstanding debts by any individual until receipt of this letter from ERC. 
I request that the following information be provided to me by mail : 1. Proof of my agreement to pay the original creditor ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, including a copy of the original account statement issued by the original creditor showing a breakdown of total amount due ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. Aside from the above requested documentation for purposes of verifying the debt, do not contact me about this debt. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. '' This letter was received by ERC and they then sent a repeat of their initial letter with only the amount, and none of the other items mandated by the FDCPA. Since that time I heard nothing from the company until XX/XX/XXXX when they contacted my father. They contacted a third party without my consent, or by following the proper channels. Since then they have contacted my father 14 times, approximately once per day. 

So to be clear, I am reporting ERC for : contacting a third party without consent, contacting after receiving a request in writing to cease contact, and collecting a debt that is not due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2020 I tried make a purchase my card was declined. I called BankofAmerica to  find out my account was closed I spoke to a rep. They told me I had wait on letter they sent out. I never received letter the company said they mailed it out on XXXX.I spoke  to a rep. on XX/XX/2020 from " risk department '' of BOA they told me reason was cause of a authorized user I put on account could not be located in system when trying to verified person. BOA never reached out to see maybe information was put in correctly they just closed out all 3 of my accounts cause they believe some typo of fraud was going on.

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