vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I applied for a home refinance loan on XXXX and have been given a new closing date every week since XX/XX/XXXX. I have been experiencing the following issues with closing this refinance : - lack of communication and responsiveness to escalate my concerns and finalize closing contingencies -duplicate documentation requests - closing date extension with no reason or warning - untimely request for title and appraisal (? reason for closing date extension ) -inconsistent requests from XXXX XXXX XXXX XXXX XXXX and XXXX for company that was shown on XXXX and not needed or significant for loan repayment, last minute transcript requests ) - last minute notification and change in closing date caused late mortgage payment for the month of XXXX ( I asked several times about XXXX payment and response was not given until the closing date was changed to XXXX ) - significant rate increase after lock My request to speak to a manager about the continued extension of the closing date has been ignored. I have asked several times of the loan was pre-approved and what contingencies were left and then given a new disclosure to e-sign with a closing date that would eventually get changed. 

This morning I discovered the closing date was changed AGIAIN to XX/XX/16 ( from XXXX ), similarly I have experienced the same last minute change XXXX times ( with NO communication ) by logging on to the online portal. This last change included an interest rate change from 3.6 % to 4.8 %. 

This is a very deceptive business practice as I have had several financial consequences as a result : - late fee from my mortgage company - missed payoff dates for loans - Higher cc balance that will reflect on my credit report - increased rate after lock and loan commitment closing date of XXXX I have provided all information to satisfaction and the XXXX continues to make NEW requests that delay the closing. If there is an issue I should have been notified so I dont make commitments to close a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
THIS COMPANY CALLS ME REPEATEADLY EVERYDAY ALL DAY HAS PUT THE SAME ACCOUNT FLAGS ON MY ACCOUNT MUTIPLE TIMES BRINGING MY CREDIT DOWN TO NOTHING Franklin collection is reporting collection multiple times days away from each other as if its a new collection

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Here 's our problem : We refinanced our RV with Bank of the West in XXXX of this year. Bank of the West, as of this date, has yet to send the title for our RV to the California DMV and as a result the California DMV has not sent us our XXXX registration and plate tags, which were due back on XX/XX/XXXX. 

Here 's the chronology : We paid the California DMV for the registration fees of {$950.00} on XX/XX/XXXX, the California DMV cashed our check on XX/XX/XXXX. 

We received a letter from Bank of the West on XX/XX/XXXX indicating we hadnt paid the registration fees. 

We received a notice from the California DMV on XX/XX/XXXX informing us they didnt have the title to our RV and couldnt complete our registration for XXXX. 

We have called Bank of the West to complain about this numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. We sent them a letter outlining the problem after our first call on XX/XX/XXXX and sent it next next day delivery on XX/XX/XXXX, XXXX tracking confirmed delivery on XX/XX/XXXX. 

They have told us each time we have called that a manager would get back to us in 24 to 48 hours with an update. No one from Bank of the West has called us with an update or solution, forcing us to call them each time and go through the problem again. 

Bank of the West has given us nothing but a runaround with still no solution in sight and our RV still does not have current registration and plate tags for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) and 15 USC 1666 ( b ). Reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion unlike the other two credit reporting agencies has a really bad website that's been causing issues for years now. I have to call their support everytime I need to just log in as the website is glitching on the logging in page everytime I try to just lift a freeze or do anything. No issues with the other two again just TransUnion, they need to fix their website asap!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I can not access my free credit report from credit report.com. I was told electronically from that site to verify I have a XXXX department store card and a car loan which I have neither. 

I then called XXXX  for my credit report. They told me they needed more information. I faxed them all of my personal information which included my drivers license, social security card and birth certificate. I never heard back from XXXX and when I called them they transferred me endlessly and I never got the opportunity to get confirmation that my documents were received. Nothing was ever resolved with XXXX. At that point I just gave up. I spent at least XXXX dollars faxing all my information to XXXX  for basically nothing. 

I established my social security account today if that helps. I only have a checking account. I have no credit cards or loans. Im a XXXX XXXX XXXX college student who still lives at home. I really want to see whats on my credit report. I have never seen it and want to resolve any discrepancies there may be if any. Thank you for any help you can give me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Hi, My mortgage was transfers to Select Portfolio Servicing in XX/XX/2019 from Mr. XXXX. When my account was served by Mr. XXXX I was the successor in interest and had all rights to this account. Now my account is under SPS, they will not recognize me as successor in interest and are denying my rights. I have been fighting with them since 2019. I sent them the deed to the house which is in my name, copies on my mothers will, and letters from the state naming me executrix of the estate which they rejected. They are demanding I pay the inheritance tax before they can name me as Successor in interest and reinstate all my rights to this account. 

According to CFPB regulations say they have to accept certain proof and treat me accordingly. 

Successor in interest means a person to whom an ownership interest in a property securing a mortgage loan subject to this subpart is transferred from a borrower, provided that the transfer is : ( 1 ) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety ; ( 2 ) A transfer to a relative resulting from the death of a borrower ; ( 3 ) A transfer where the spouse or children of the borrower become an owner of the property ; ( 4 ) A transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property ; or ( 5 ) A transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property. 

Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to this subpart

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: FL

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Re : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have sent a certified letter ( Tracking number : XXXX ) dated XX/XX/2021 to TransUnion showing inaccuracies found on my credit report requesting these inaccurate items to be removed from my credit report. This deletion request letter was accompanied by supporting factual evidence from my credit report. 

As of today, more than 45 days have elapsed since this request for the removal of inaccurate information from my credit report was filed with TransUnion. In accordance with Federal Regulations ( FCRA section 609, 611 ( a ) ) TransUnion should have investigated and provided factually supported evidence and appropriate documentation or should have removed these items from my credit report within a reasonable time of 30 days. TransUnion also failed to post disputed consumer remarks in the comments section of these accounts.

Despite having sent two additional certified letters to TransUnion since the elapsed mandatory 30 day period, I have not received any response nor deletion of inaccurate information from my credit report. Unlawful reporting of inaccurate information by TransUnion has caused financial hardship on me including denials for credit, I demand these inaccuracies and unauthorized inquiries from my credit report be deleted immediately.

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 2021-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: OH

Complaint narrative:
I had written dispute to the bureaus XXXX, XXXX  and TransUnion regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.

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 2021-07-07 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: NV

Complaint narrative:
Company unable to provide proof of debt to Equifax and to consumer. Equifax has not processed my dispute filed in XX/XX/XXXX. Equifax has not removed the item from my credit report. I have directly disputed ( and continue to dispute ) this item since XXXX of XXXX.

Company response to consumer: Closed with explanation