vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
Experian is reporting a collection account with XXXX XXXX for which the account has been paid off and the company agreed to remove it. The most recent report shows it's listed with a XXXX balance. They had enough time to update the balance then they should have had enough time to reach them and verify the company agreed to delete 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 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Tiaa, our mortgage holder is using our mortgage payment to pay insurance that they say we owe. We have had our insurance with XXXX since XX/XX/2020 to date and Tiaa will not accept our insurance. Tiaa is using forced escrow insurance which we refuse to pay since we have proven to them that we have had XXXX XXXX. No matter what we send them ( copies of the policies ), Tiaa will not accept this proof therefore they say we owe them thousands of $ 's and they are collecting this money by using our mortgage payments to do so. We have written the President of Tiaa, the President of XXXX twice. No response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Mr. Cooper Group Inc.
State: DE

Complaint narrative:
I have been calling nation star DBA Mr Cooper my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to XXXX  my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my XXXX  Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: FL

Complaint narrative:
There are two accounts reporting on my TransUnion Credit file one is with XXXX XXXX and they agreed to remove it yet it is still reporting with a XXXX balance. The other account is XXXXXXXX XXXX XXXXXXXX. I had disputed it several times even contacted XXXX directly to try and get it paid off just to be done with it and they said they could not find any account under my name. So how is TransUnion reporting the information if the company can not even locate it when I speak with them?

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 2021-08-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have been calling XXXX XXXX  DBA XXXX XXXX my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to equifax my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my Equifax Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I had a property management collection account on my credit report, I was a co-signer on the contract and I paid half of the collection balance because the debt collector I spoke to promised me they would delete the tradeline or collection account from my credit report. 

Its been long time since I paid this and now that I need to get into a new apartment I can't because the account still on my credit report, I called them and now they said I am not longer liable for the debt but if I want to have the account delete from my credit I should contact the second person on the contract to have them paying the remaining of the debt or I can pay it. 

This actions from the debt collector are illegal 's, first of all this account is over 7 years old and shouldn't be on my report since XX/XX/2021. Then they lied and promised a credit report deletion as long I paid my part of the contract but now they blackmail on me to help them either paying more money or talk to the other person in the contract to pay its part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 59 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 59 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Yes ally did not get back too me on my complaint I did with you guys awhile ago. Trying too get car payments deffered due too hardship. I told them I can't afford a up front payment on car. Due too being on XXXX also. I'm hoping they can waive up front fee. That would help. Not happy. Also been on time never late

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 2021-08-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/2021 I had several hard inquiries show up on my credit report that I had no knowledge of. And I would like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
We had XXXX we were out of work, Flagstar offer a forbearance program. Now we are well and able to pay, they are not offering a repayment plan. They want {$11.00}, XXXX paid in cash or they are going to foreclose. Everything online says they are supposed to modify our loan, they say that is not an option. They are not giving us any options.

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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
We purchased a new boat in XX/XX/2021 and secured a purchase loan from Huntington Bank at the time of purchase for approximately XXXX. We paid the remaining balance of the loan off on Monday, XX/XX/XXXX. Over a month later and we have still not received the lien release for the boat from Huntington. We received a letter acknowledging the payoff funds were received and processed, and we received a lien release for the boat trailer, but not the boat. We have called and talked to agents from Huntington multiple times, often getting hung up on, and no commitment as to when we can expect to receive the lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: America Trust Funding-Mortgage, Bankers LLC
State: MD

Complaint narrative:
I XXXX XXXX XXXX, a consumer performed a consumer credit transaction in XX/XX/2020. A Home Loan Application was approved for {$370000.00} ( {$370000.00} shows on the home sales contract ) and I was given a Home Loan umber XXXX. However, I did not receive the credit, or the house I purchased and/or wanted to purchased. I want to know what happened to my credit/asset?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TX

Complaint narrative:
I recently made a complaint to Equifax about not being able to access my " myEquifax '' account since XXXX of XXXX and not being able to see my score or credit report on " myEquifax '' or XXXX. I also included in the complaint that lenders who use equifax to determine eligibility are denying me credit because when they go to check my credit history, there is no file on record for me or they are unable to access it. I have a great credit score and have never been denied for anything until this error came into place around XX/XX/XXXX. Equifax 's response was that I would be sent my credit score and file in the mail. This was false as i never received my score, only the credit file itself, and not the resolution I asked for. While it is good to know they have my credit file, I was never sent my score as promised nor can I log into their website ( myEquifax ) as I should be able to since I've had an account since XX/XX/XXXX. I have spoken with over 10 reps who have all said IT will fix the account and get back to me. This has been an ongoing problem since XXXX of last year and no being able to go through lenders who use equifax and also not being able to access my score and file ONLINE is hindering me in more ways than you can imagine. I was informed I was apart of the data breach in XXXX so I'm not sure if that has anything to do with it but this is ridiculous and has been an extremely frustrating process. Almost a full year of begging for my score, my " myEquifax '' account back, and my file to be open and accessible to lenders. I spoke with a representative who told me he deleted the account and to make a new one, that did not work. I spoke with a rep who had me change emails for the account, that did not work. I submitted screenshots of both failures. 10 reps and 2 CFPBcomplaints later I still can't access my score online nor can I log into " Myequifax '' this error even affects my XXXX access to my records. I will submit a screenshot of that also. Its pretty insane that I receive promo emails to sign up for Equifax Complete Premier accounts and other promo from equifax, but cant take advantage. This needs to be taken more seriously because I've been dragged along long enough. I can't even see my score on XXXX, XXXX XXXX, and other companies who partner with equifax to show you your score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: PA

Complaint narrative:
I've been disputing certain accounts on my credit for 6 months, and Equifax has done nothing to validate the accounts that I have disputed! I have never seen investigation results, I have never gotten any credit reports, I have never received a single update from Equifax. It's like they are completely ignoring me, and I can not stand it any more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP
State: FL

Complaint narrative:
On XX/XX/2021 I received a letter from XXXXXXXX XXXX notifying me of a service transfer to another mortgage company, XXXX XXXX XXXX. This was to take effect on XX/XX/2021. I sent a check to XXXX XXXX and it was processed on XX/XX/XXXX. The check was in the amount of {$830.00}. However, XXXX XXXX  also withdrew {$830.00} from my account for the XX/XX/XXXX payment. I mailed all the documents to XXXX XXXX advising them that they should return {$830.00} because in essence I paid the mortgage twice for the month of XXXX, XXXX They did not reply or attempt to resolve the issue. I attempted to call XXXXXXXX XXXX  on the phone. They did not answer but I did leave a voicemail, but they never returned the call. 

Copies of this complaint are forwarded to : Florida Office of Financial Regulation, Consumer Finance Protection Bureau, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX TransUnion XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a validation of debt. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! 

Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from TransUnion and {$400000.00} from XXXX  and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out.

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 2021-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: AR

Complaint narrative:
On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations ( Ticket # XXXX and Tracking XXXX ) and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. I recently spoke with PNC and they said it's possible the check was 'written but not issued '. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check. It's seems that {$23000.00} is in limbo and I'm stuck with paying two loans at the same time or risk my credit score suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Started off as a 80/20 Loan ( Freemont & Ocwen XXXX then I got it modified and had 1 mortgage with Ocwen. I had a mortgage broker speak on my behave to negotiate this modification in XXXX which I was not aware this was a balloon mortgage. When I recently tried to do a Home Equity Loan with another company that how I found out that I still had a second mortgage. This was a predatory loan from the beginning, So I went back to the Mortgage company Ocwen ( now PHH mortgage ) to get this resolved by paying off the second mortgage with out the interest.

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 2021-08-23 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: NC

Complaint narrative:
I have filed a dispute through TransUnion Credit Bureau and I have called the company twice on XXXXand XXXX. The name of the company is XXXX XXXX XXXX. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. XXXX XXXX XXXX claimed that an investigation was initiated, but this information is still included on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST
State: CO

Complaint narrative:
Filed a fraud claim with Bank of the West on XX/XX/2021 concerning a Business Checking Account, was advised at time that if the claim could not be resolved with ( 10 ) business days that a provisional credit would be issued, called back on 10th business day only to be told that businesses do not receive provisional credits only personal accounts do, inquired as to why this policy only recognizes personal accounts and was told that " Businesses have money and can wait ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
i have sent them two letter asking validation of debt by u.s postal service certified mail receipt # ( XXXX ) receipt # ( XXXX ) i have not yet or never did I received that request whch i have a right as a consumer under the ( FDCPA ) they just keep violating my rights under 15 usc 1692c ( a ) ( 1 ) ( c ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: NJ

Complaint narrative:
I have received repeated phone calls from this company and have ask them numerous times to stop and they won't

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