vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: CURO Intermediate Holdings
State: WI

Complaint narrative:
I have been repeatedly disputing an item on my credit report. I have submitted the bank statements and other information supporting my claim, yet it keeps getting dismissed and am told to contact the company at such and such number. Both phone numbers listed to call are not in service. I asked the credit bureau how this is investigated and was told that they only ask the company that is reporting the information. That cant be correct, is it? In that case, speedy cash owes me a XXXX dollars. On XX/XX/2021 I took out a loan for {$500.00} I paid and have bank statements tha i paid : - {$78.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$65.00} on XX/XX/2021 - {$91.00} on XX/XX/2021 on XX/XX/2021 they put on my credit report that my account was not in good standing and that i was 30 days past due. this dropped my credit score XXXX points. they refuse to fix this mistake. i have recorded phone conversations with a speedy cash rep saying that i have not done anything wrong and my things are paid. I should state also that due to covid i lost my job and called them right away for this not to affect my credit. on XX/XX/2021 I entered a payment arrangement only for the reason of keeping this off my credit. On XX/XX/2021 the defaulted my loan. I have disputed it with the credit bureaus and no luck. I believe that Speedy cash is giving bad information and even the contact information they provide the credit bureau for me to contact is not right. Both phone numbers they provide no not work. Also, after all of those payment plus 2 more since, they still state i owe {$500.00}, my loan was only for {$500.00}. Not sure what math or interest rate they have but it doesnt add up to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with Round Point and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting this resolved.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I had a promotional Cash Back of {$200.00} mailed to me that stated when I spend {$500.00} within 90 days of opening my account I would earn {$200.00}. I had until XX/XX/21 to activate the offer. I called and was approved on XX/XX/XXXX. The bank is now telling me I am only eligible for {$150.00}. I do not feel this is an acceptable business practice. My credit score is over 800. Had I known this bank was going to be deceptive I would have went with a different bank that offered the same cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: AL

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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:
Experian always has the incorrect information on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to consumers.

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 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
My FHA mortgage was put into a forbearance during the pandemic under the CARES Act. My lender is demanding all of the back payments due now. My understanding is that they are required to work with me to set up payments. 

Attached here are pictures of the most recent statement they've sent me, which arrived XX/XX/XXXX, as well as their XX/XX/XXXX response to a complaint I made to CFPB last month. In that, they confirm that I'm on a forbearance through XX/XX/XXXX. If the loan is in forbearance, how can they be demanding {$36000.00} from me now? Their XX/XX/XXXX letter says " payments are not required during the forbearance period '' and " During the forbearance period, no late charges incur on the account '', so why are they sending me a statement that says " You are late on your mortgage payments '' and threatening late fees ( {$54.00} ) if not paid by XX/XX/XXXX? If it's in forbearance through XXXX, why does the statement say " failure to bring your loan current may result in fees and foreclosure- the loss of your home. "? Their XX/XX/XXXX letter also said " Please note, this Mortgage Statement is not a demand for payment by XX/XX/XXXX, '' but their statements as you can see quite plainly say " DUE DATE '' and " Due By XXXX '' and " Please mail so that your payment reaches us by the due date. '' Their XX/XX/XXXX letter makes it sound like they're merely updating me on the balance but these statements are demanding payment and making threats of fees and foreclosure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
i have an auto loan with santander and i am unable to make payments online or on the phone. Every month i am getting fess and late payments because i have to pay XXXX extra dollars to XXXX to make my payment. i have asked them about it over and over and they just say they dont know why i cant make the payment online or over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
In early XXXX, I contracted with XXXX  to send a package. The charge for this service was {$210.00}, per XXXX  invoice # XXXX, with a date of XX/XX/XXXX. 

XXXX NEVER delivered the package to the recipient, so I disputed the charge it made to my XXXX card, and I received credit for it. 

In XXXX, XXXX, XXXX told me it would close my XXXX  account unless I paid the {$210.00}. To keep my account open, I capitulated. I paid the amount on XX/XX/XXXX by my XXXX card. Attached in the .pdf file is not only proof from XXXX that I paid that amount, but an email from XXXX acknowledging that I paid that amount and referencing the invoice number ( page two of the XXXX email ). 

Despite the XX/XX/XXXX payment, XXXX again in XX/XX/XXXX told me they would close my XXXX  account unless I paid that invoice. I called XXXX, and spoke to a male representative who called me a liar when I told him the invoice had been paid and I was looking at proof of that payment on my computer screen. He took my XXXX card number, but rather than confirming payment, he charged me the same amount again! He insisted this additional charge was proper, simply because XXXX had put a new invoice number on the old bill, and insinuated that XXXX could continue to put new invoice numbers on old bills and collect repeated payments. 

I disputed that second, fraudulent charge with XXXX, and received credit for it. 

Despite all of the above, XXXX referred the PAID {$210.00} debt on invoice # XXXX to debt collection. See the letter from Transworld Systems Inc., specifically referring to that invoice number, and the XX/XX/XXXX invoice date, corresponding exactly with the XXXX  Invoice History ( though for inexplicable reasons, the amount differs a bit ) and the email from XXXX confirming payment of that invoice in the invoice amount. 

I contacted Transworld Systems on XX/XX/XXXX and provided them with this information, and they indicated they would resolve the matter, but whether they do or not remains to be seen. Regardless, XXXX XXXX actions are beyond inept. They are reprehensible, if not outright fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. PenFed is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with PenFed. Once the CARES hardship programs ended, my ACH auto-draft was canceled by PenFed without my knowledge. PenFed told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to PenFed 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to XXXX, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from XXXX, XXXX, or XXXX. I want these late payments and inquires removed because XXXX, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.

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 2021-10-25 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: MS

Complaint narrative:
on XX/XX/2021, i sent a letter to transunion to dispute the inaccurate and incomplete items that are on my credit report and has not heard from them concerning this matter. I am asking for the items to be deleted bacause the law states that it has to be 100 % accurate or deleted

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 2021-10-25 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am personally sending this request of re-investigation of my accounts. I have no connection to any credit monitoring companies nor any third party is involved in this process. 
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$5200.00} XXXX XXXX XXXX XXXX XXXX Balance {$42000.00} XXXX XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX Balance {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a Capital One Venture card, when sent the later for denial the reasons are in violation of 15 U.S Code 1691B ( 2 ) " it shall not constitute discrimination for purposes of this sub chapter for a creditor TO MAKE AN INQUIRY OF THE APPLICANTS AGE OR OF WHETHER THE APPLICANTS INCOME ... ..OR OTHER PERTINENT ELEMENT OF CREDIT WORTHINESS AS PROVIDED IN REGULATIONS OF THE BUREAU ; I would like to be granted an account with capital one with a limit of {$5000.00} of my own credit. I the consumer is the original creditor, they used my social security card for a transaction and was denied. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
American Education Services ( AES ) services my student loan which is through XXXX XXXX. I was unable to track down my account number since my loan had moved from one servicer to another to finally to AES and they had lost track of my details in their system. I emailed them to get my account details so that I could start making payments before payments became due. On XX/XX/XXXX, I called their customer service to resolve the issue. I spoke with their employee named XXXX ( ID : XXXX ) and she mentioned she could not locate the details of my account using my Social Security Number, my name and date birth, or any other details ( I have an audio recording of the call if needed ). Then a representative from XXXX XXXX  contacted me and helped my figure out the details on a conference call with AES. I made the payments in full immediately and have been paying regularly since. As a consumer, I did my part in trying to make payments as required but AES could not help me locate my account details and hence the payment was delayed. 

AES then reported this delay to XXXX in XX/XX/XXXX which led to a XXXX point drop in my credit score. This has had a huge negative impact on my creditworthiness due to which I am not sure if I can apply for a mortgage or refinance of my student loan. 

I have contacted both AES and XXXX multiple times and requested them to correct the error but they have refused to do so. My credit score remains low despite no fault of mine. 

I request you to please help me sort this matter and remove the negative report on my credit. I have been a responsible consumer and have paid all my dues in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I closed on selling my home in Colorado on XX/XX/21. Since closing, I have called US Bank Mortgage to request a refund of any remaining escrow, to verify that the correct payoff amount was given, and to update contact information for any correspondence that may necessary to refunding my escrow account. Since XX/XX/21 I have tried calling their mortgage customer service number 3 times and each time I can not get any person to talk with me. Ive been on hold for 25 minutes, 8 minutes, and 21 minutes. Ive called the main US Bank phone number today, XX/XX/21, and the representative tried very hard with different numbers she had available to her and we still could get no one on the phone. I reached out to their corporate number to complain and seek resolution, but the corporate number redirects to the 24/7 general customer service number. I can not reach anyone in their mortgage department and the customer service representative today was unable to do so, too. They have no email address for customer service or any other means to contact the mortgage department beyond the 800-number than no one ever answers. I can not even leave a message anyone.

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 2021-10-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I got behind on my mortgage over two years after my ex-wife and I decided to split. I experienced a significant loss of income when we separated which is why I fell behind. Our divorce has been ongoing for the past two years and was just finalized last Thursday on XX/XX/21. I am now just trying to rid myself of the financial pit that I am now in. I know that I do not make enough to keep the house and do a loan modification so I am trying to get the mortgage company to settle. I have a buyer that has made an offer, which I submitted to Rocket Mortgage but I have not received formal confirmation that they will agree to stop the foreclosure auction and review the offer. I really want to avoid the house from foreclosing because my credit has plummeted due to the debt from my divorce so I can not afford to take another credit hit. I won't be able to buy or rent if that happens. I need some help in reaching a manager or someone that can help provide confirmation that the offer will be reviewed so that I can have the time needed to get this short sale done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: TX

Complaint narrative:
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had 270 days and ( 6 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Windham Professionals, Inc.
State: AZ

Complaint narrative:
Windham continues to try to collect $ for a month if insurance that was not ever valid. XXXX ins. Canelled policy in XX/XX/XXXX & Windham keeps trying to collect for XX/XX/XXXX. XXXX even confirmed {$0.00} due in XX/XX/XXXX. All evidence available.

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 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX we were with Bank of America ( BOA ) and had a modification started. In XXXX we signed documents prepared by BOA to do a CLT mortgage and reduce our mortgage by {$27000.00}, and giving that security instrument to the Secretary of Housing and Urban Development to hold. This modification took from the signing of those documents XX/XX/XXXX until XX/XX/XXXX ( signing on XX/XX/XXXX ) to complete. We signed on those papers ( prepared by BOA ) XX/XX/XXXX, but since it had been 2.5 years since signing the original documents we did not realize that these documents put BOA as the holder of the modification mortgage and the amount was {$27000.00}. There was only one reduction made to our mortgage, otherwise they would have just allowed our mortgage to be reduced by over {$54000.00}! Our initial loan in XXXX was for approximately $ XXXX so that would have cut our mortgage into less than half at that point. 
Fast forward to now, XXXX, and we are in the process of selling our home and buying a new one. All ready to close. The title company notifies us of of liens listed and we find that XXXX XXXX and XXXX XXXX has a lean and BOA has a lean, for the amounts previously listed. We are unable to close because of this, and we should have closed a month ago. I have been in contact with BOA trying to resolve this for a month. The past two weeks I have made daily calls. I have been lied to about documents, being told there was a lien release sent when there wasn't. I was told that they don't have a lien on our home, then they send me a pay off statement for the lien they stated they didn't even hold. They state they have no record of the initial documents signed in XXXX. I have been lied to and shoved to many people within their call center. I am now working with a manager and sent her all of the documents showing that BOA prepared both sets of documents. I'm awaiting those results, but am not confident that a resolution will be come to in a timely fashion. If at all. They are jeopardizing the sale of our home and the purchase of our next home with their inability to fix their massive mistake. I was told by my lender to reach out to CFPB for assistance in this.

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