vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-12 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: IN

Complaint narrative:
Although I have sent Experian proof of full payment for a previous XXXX  store account, bank statement and letters with confirmation. Confirmation # for this transaction is XXXX, Experian refuses to properly update my consumers credit report. Instead they are reporting inaccurate information/balance amount. Today the representative at Experian, XXXX stated that there was " no dispute found ''. Then seconds later gave a dispute reference number of XXXX. Then, initially refused to provide method of verification. I have sent certified letters with return receipt. When calling Experian I was then placed on hold and transferred to an incorrect department and transferred again. Then placed on another extensive hold. Experian has refused to acknowledge and correctly report this item as paid in full. Experian 's inaccurate reporting is not only a violation but is damaging my credit that I have worked so diligent on. Please help

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 2021-04-12 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: Merchants Acceptance Corp
State: WA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: NC

Complaint narrative:
This complaint is in response to complaint # XXXX. This response is to make Transunion aware that they have defaulted by not rebutting my affidavit with an affidavit however I am giving them the opportunity to cure this matter by giving me my original remedy requested in my initial complaint which is to delete each account listed from their consumer report and pay the invoice for compensation of each violation they violated. I have attached my initial complaint for reference. Accounts to be referenced are in my initial complaint and have been circled for reference. Transunion has already received this complaint however they are wasting my time with stall tactics instead of following the LAW pursuant to 15 USC 1681.

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 2021-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am the victim of identity theft. It was a 'phone porting ' scam whereby my previous cell phone number was ported illegally from XXXX XXXX XXXX to XXXX . The scammer was then in control of my old phone number ( XXXX ) and used it and other of my personal information to hack bank accounts and create credit accounts. The phone number was also used for ride-sharing service, XXXX. Several rides were taken and charged to my account. I have contacted XXXX and the identity theft is known by them. I have been receiving repeated billing from a debt collector working for XXXX, TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX GA XXXX. I have reported the fraud to TRS through their website.

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 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
we attach two complain we start before but the process start on XX/XX/XXXX the BBVA USA start to ignoring my petition to cancel the PMI insurance. we do a process 3 year a go and denied and from the last 18 month be I was ignored and I am not given the service that I deserve as a customer I has evidence for the process from XX/XX/XXXX. 

Last month they cancel the PMI after two complain with CFPB but for us the situation is Half solved XXXX the result was that they were left with {$2500.00} for all that month we are waiting for his employee doing his job. 

They were not responsible for the inefficiency of their employees ... ... .They delay the process so that the client pays more and they play XXXX as if one did not know what they are doing. attached you have the two complain and the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NV

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, I am the co-signer of my son, XXXX XXXX 's student loan consolidation. Account number : XXXX. He had four loans from XXXX XXXX in which he wanted consolidated. He applied to Citizens Bank. Loan amounts were : {$21000.00} - {$19000.00} - {$4700.00} and {$4600.00}. A total of {$50000.00}. 
All loans were consolidated on XX/XX/XXXX. We later discovered that the {$19000.00} loan was still active on XXXX XXXX. When we contacted Citizens Bank and informed them of their error, it was pointed out that one loan was misidentified as XXXX XXXX XXXX listed as the original lender. 
When the error was corrected, Citizens Bank added the {$19000.00} again, totaling {$69000.00}. They had doubled the {$19000.00} loan and added it to the total. The bank had also changed the term from a 15 year pay back to a 10 year pay back without notification. Payments went from {$370.00} to {$500.00}. Accruing interest from XX/XX/XXXX to XX/XX/XXXX with XXXX XXXX in which we had to pay the balance of {$49.00}. XXXX Bank had refused to pay the interest of their mistake. 
The additional {$19000.00} was eventually removed and the {$50000.00} was restored, however the loan payment amounts and term had not been corrected. I am concerned with the financial harm this has caused my son and myself. Numerous hours of frustration and phone calls have been spent on this to date unsolved issue. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: TX

Complaint narrative:
Experian, XXXX, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.

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 2021-04-12 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: CA

Complaint narrative:
Experian has not risen my credit score even though it shows the exact same reporting as XXXX  and XXXX XXXX. Both XXXX  and XXXX XXXX have me at XXXX and Experian remains at XXXX, even though the reporting is exactly the same and I have fixed all my delinquencies in the last 120 days. Experian is saying that their systems automatic and they dont know how to change the number even though they acknowledge that the reporting is identical and something is wrong. Please help me, Im trying to refinance and save my house and they are stopping me by not fixing their system.

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 2021-04-12 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Santander USA purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to Santander to avoid repossession. Santander refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and Santander quietly began harassing us for repayment. At the time, due to my illness, I was unaware that Santander had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of Santander, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and Santander states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX XXXX - {$37000.00} reported as total due as of XX/XX/XXXX XXXX - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked Santander, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but Santander refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found Santander guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as Santander USA knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
When working on preparing documents for a closing, we contacted our assigned banker at Quicken Loans ( rocket mortgage ) about what documents we needed to sign in order to get our clear to close done. Throughout the process, from the time we first started the mortgage application in XX/XX/XXXX, toXX/XX/XXXX when we put an offer in on our condo, to signing the the documents along with that condo onXX/XX/XXXX to have all paperwork line up with the condo address, we were never told during any point that our rate was what it was due to buying down points. At several points in several conversations, we specifically asked our banker at Quicken Loans/Rocket Mortgage what fees will we owe them outside of the writing and processing fees ( {$1200.00} ) and were told time and time again there would not nothing outside of our monthly mortgage. Fast forward a month and a half toXX/XX/XXXX, we are at the closing table with our lawyer, who notices that we apparently bought down points to bring our APR from 3.99 to 2.99 for the cost of {$5600.00}. This is a cost we were not aware of because it was never brought to our attention, despite asking multiple times. When we tried contacting Quicken to have them explain this, the banker ( after were bounced around for an hour on the phone to four different people being told nothing could be done ), claimed it was in the paperwork. When we asked at what point did he tell us about how interest rate options, he said he " didn't remember the conversation. '' After another twenty minutes of talking on the phone and getting nowhere, we were told there was nothing they could do. Our real estate attorney even pointed out that it was " shady '' that an experienced banker would not point out these fees to first time home buyers. Our options were to walk away from the table and lose the home we wanted, or pay the money. So we paid the money to secure our home. 

After closing and reaching out to Quicken about this, we were told we should have not closed, and waited to resolve the issue that day itself, because it would be harder to handle now that we paid, but the customer relations person would do their best. After a week of explaining what happened to numerous people, the customer service person called us and explained that the banker is a great guy and they'll use our story to teach others of this, which is of no use to my family who was manipulated out of XXXX. As first time home buyers, we read every document and asked questions, and all questions pointed to the documents being okay when answered by Quicken. When asked what could be done to help us, we were told nothing, and were almost laughed at on the phone. I never want any other family to go through this. The buying points down charge was over 25 % of our closing costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: Adler Wallach & Associates, Inc.
State: WA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I kept receiving calls and letters from a company called Portfolio Recovery Assistance LLC I wrote a letter requesting validation letter than letter was produced so on XXXX XXXX I proceeded to contact the agency spoke to a collector that kept playing games by changing her voice at one point she stated she was manager and just made her voice deep. I agreed to make a settlement for XX/XX/XXXX and XX/XX/XXXX with the agreement to get it taken out of my credit report and with them to produce a settlement letter along with agreement to remove this from my report. This was never accomplished, than I tried to make a payment to their online services would not allow me too. Than I contacted the collection agency on XX/XX/XXXX they emailed me telling to contact an agency I refused to contact an agency because all they do is play phone tag acting as a manager etc. I have repeatedly asked for the letter before making a settlement payment. Now they want the payment but refuse to send a settlement letter. They have had almost 4 weeks to produce the agreement letter and nothing has been accomplished. I was willing to pay XXXX in two payments for a XXXX credit card that was in collections. I explained I had got laid off due to COVID and was barely getting on my feet explained to them they kept call me during COVID when they was suppose to cease and decease during that time. 
Account # XXXX Seller : XXXX XXXX XXXX  XXXX, Current Creditor Portfolio Recovery Associates LLC, Balance : XXXX what is strange is when you call they read the mini Miranda for Collection but this on my email : " Please be advised that this is a communication from a debt collector, but this is NOT an attempt to collect a debt. Any communication with PRAs Customer Care Department is made for the limited purpose of addressing your issue and is NOT an attempt to collect a debt. '' " " I am here to help, contact me today! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: FL

Complaint narrative:
I contacted experian about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could Experian verify this account. Surly they never investigated.

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 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
Received a letter with request to payment to the company Revco Solutions I do not recognize and never contracted any service from. They claim to act on behalf of XXXX XXXX, but I don't know who they are either. 

My attempt to log in to their website for inquiring more information resulted in attempt to install some software on my computer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I have a FHA loan through CHFA and because of Covid we went into forbearance for 6 months and then we were told we could file for a loan modification loan and through out this process we spoke to so many representatives that provided false information that prolonged the process for a loan modification and then were given a contact person XXXX XXXX XXXX who told me that I did not fill have to fill out the application because I already had an HFA loan and that he would submit the information for my loan modification and this was a lie, instead he submitted for a partial claim that increase our mortgage payment. I contacted him and told him this was not what I wanted so then he sent me the loan modification application packet and I filled it out and submitted it to the Loss Mitigation office and XXXX XXXX sent me an email confirming all was good and that he would be submitting it on XX/XX/2021 and we should have had the loan modification on XX/XX/2021, however when I contacted this office they told me that he had just sent the documents on XX/XX/2021 and as of today XX/XX/2021 we told that Mr. XXXX sent or received it on XX/XX/2021 so this will prolong it for another month we CAN NOT hold on any longer. This person is well aware that we need this taken care of ASAP and he has done everything in his power to delay the process. We are surviving on only my income that does not cover our mortgage and he still refuses to complete my loan modification and he will not return my calls or emails. He has delayed us for 6 months and we have called and asked over and over again to speak to his superior and no one will call us. We having been asking for a loan modification a 1 complete year and have not heard from on supervisor. I have sent complaints through their website and still no one will contact us. I have filed complaints over and over with CHFA and no one will return my call, their representatives continue to transfer me and hang up on me because I ask to speak with a supervisor or manager. I believe that if we do not hear from someone we will lose our home. I also believe that XXXX XXXX is waiting for interest rates to go up. PLEASE, PLEASES YOUR HELP IS GREATLY APPRECIATED. I can be reached at XXXX M-F at XXXX or XXXX XXXX  or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12 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: IL

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation