vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
1. My mortgage is current, as of XX/XX/2019, but the monthly statement still shows that I am one payment behind.

2. Mortgage Amount always is paid on time, but is placed in 'Suspense ' each month. 

3. Administrative fees of {$37.00} is charged each month.

4. Can't work to get it resolved as they do not return calls nor do I have a specific department or person assigned to my account. 

5. Original records transferred by XXXX XXXX XXXX to former Bayview Loan Servicing, now Community Loan Servicing ( same company, different name ), contained errors such as the following ... 

5a ) Incorrect property tax owed when it was paid in full, on time.

( Proof was submitted ) 5b ) Incorrect property insurance amount owed when it was fully paid and on time.

( Proof was submitted ) 5c ) Forced Escrow - however the Property Tax was taken out after my first complaint.

Bayview prepaid the home insurance ; it is now included in the payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/2020, I sent a letter to LexisNexis to dispute the validity of a bankruptcy that was reporting on my consumer file. On XX/XX/2020, LexisNexis responded to my letter and said that LexisNexis was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Report The same bankruptcy was reporting to XXXX  and they removed the record from their report ( see attached documentation ). 

I have disputed the validity of the bankruptcy with both XXXX  and XXXX. Neither of the have removed the record. Furthermore, both credit bureaus said that the information was obtained from LexisNexis. XXXX  responded on XX/XX/2020 and XX/XX/2020 and XXXX responded on XX/XX/2020. If LexisNexis removed bankruptcy case number XXXX from my report, then why are they continuing to report this information to the credit bureaus. I feel that this is a violation of the Fair Credit Reporting Act. Please see the attached file for all documents that support my claims. 

I ask that you stop reporting this unverified information to XXXX  and XXXX. Furthermore, please contact XXXX  and XXXX  and have them remove this information from my credit report as it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
Here we go again. Every XXXX months my credit file is incorrect, wrong, and screwed-up. Equifax permits it and they are complicit with the reporting company. It is fraudulent and unfair. I am really tired of filing complaints against Equifax. They keep putting someone else or a family member 's address on my credit file. XXXX XXXX XXXX XXXX, Georgia XXXX ISN'T my ADDRESS. They keep putting XXXX XXXX. fraudulent debt on my credit file. It ISN'T fair! It caused me a XXXX. mortgage loan. It ISN'T unfair! Equifax will not let me breathe and they stubbornly refuse to take their knees off my neck. I have sent my proof of identity to them several times. I am getting XXXX by Equifax in broad daylight. Please help. Sadly, I am paying monthly service for XXXX, and Equifax.com. I am XXXX. PLEASE HELP ME REMOVE XXXX XXXX. OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2020 I pre-ordered a bike from XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and pain in full {$870.00} and was told the bike would be ordered and shipped to my house within a week. Fast forward and XXXX hits hard and through many emails I was told they did not have the bike nor did they have an estimated time of arrival or even a tracking number. I contacted them many times to get updates and was never given any information. Come XXXX XXXX i received an email from XXXX stating they were cancelling my order and I would not be getting my bike ... that I already paid in full for. They advised me to go through my bank XXXX Chime XXXX to have them do a charge back so I did that same day. Chime told me to fill out a " Customer Statement of Disputed Transaction '' form and I did, faxed and mail it to them. They responded saying it would take XXXX days to come up with a decision. 90 days later early XXXX I received an email stating they were not giving me my refund. I don't understand how these company 's can not refund me my money. I paid for something and never got my bike. This is stealing and fraud. I just want my money back. I have all emails saved as evidence. Chime or XXXX needs to refund me my money. I have been very patient and understanding given the current situation with COVID and now this is getting out of hand please I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is an amended complaint to an already file one # XXXX. The only addition is CMC Funding communication of me still trying to get my {$4000.00} credit back into my account and now they say they're sending a check and I continue to be strung along. Can someone bring legal action to these scammers or clowns?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc
State: KY

Complaint narrative:
Modified excerpt of that sent to additional parties XXXX XXXX : Received a letter : Listed numbers : XXXX, XXXX, Fax : XXXX Described an invalid charge for XXXX Internal account number that company assigned as XXXX Representatives of that as company identified that company as : National Medical Administrators I did not make commitment for any additional purchase Someone fraudulently stated that I did not cancel some recurrence of charge for products not received and that company intends to attempt collections : for products not received nor necessarily purposeful Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt The letter requests contact within 30 days of XXXX XXXX. 

Where here XXXX  website format was not effective and link referral resulted ; Original statement : Hello, I received a letter from something called " National Medical Administrators , Inc '' ; Listed number XXXX, XXXX ; Fax XXXX, describing an invalid charge for XXXX and the internal account number that company has assigned as # XXXX. It is likely that company purchased my contact information from a source I did not consent to the sale of to, nor transfer of that information to, nor did I make commitment for any additional purchase beyond a single order ; ( That purchase was atypical because it was some commercial XXXX XXXX  and XXXX  with no effect I did not much use and am not required to return to that company, as payment for that single order was made. ) I did not immediately purchase the item ( s ) after seeing the questionable product and marketing scheme/method/ presentation ; No charge has been made to my card. Either way, when someone called, that person fraudulently stated that I did not cancel some recurrence of charge ( for products not received ) and that company intends to attempt collections. Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt ; The letter requests contact within 30 days of XXXX XXXX. I may send that company this except and am certainly notifying other parties ... '' In regard to below described CFPB publication consent : Upon submission, consent is granted for the intended published use by the CFPB, only as containing content necessary for the average consumer to make a prudent decision ; And that excerpted content only be made available for public view with removal of all what may be described as personally identifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently sent letters over XXXX days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX  ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: LA

Complaint narrative:
I called in to Transunion on XX/XX/2020 about fraudulent inquiries on my credit report. Someone from another state had stolen my identity. Transunion were ones that deleted the address off of my profile from the person that stole my identity. After hearing about how they cant dispute inquiries, a supervisor finally said XXXX go ahead and submit a dispute for those fraudulent inquiries. I reached out to all those companies that had pulled my profile and they told me to contact Transunion. I called in today, 30 days later for a representative to tell me, they no dispute was filed and the representative only reached out to those companies from the fraudulent inquiries, but none of the companies responded. Its always lie after lie with these credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My XXXX XXXX is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of 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 explanation
Consumer complaint received 2020-11-12 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: FL

Complaint narrative:
Ive checked r my credit report and I saw some collections that were on there. It says that I owe you guys a lot of money but, I dont know what its for. Can you please let me know where this is from and how do I owe this to you? My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target allows only three online payments a week. Why? To make a fourth payment in a week, I have to call or go to a Target store. Why? An agent was unable to explain other than state that is the policy. Why is it the policy? Consumer-friendly credit card companies allow typically seven payments a week. Making me ( and others ) jump through a hoop to make a payment seems like it is discouraging customers from making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: PENNYMAC LOAN SERVICES, LLC.
State: DC

Complaint narrative:
On XX/XX/2020, I contacted PennyMac Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) PennyMac reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, PennyMac reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and PennyMac records their calls - so the rep 's statements can be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
i paid off my with XXXX  XXXX, tn XXXX acct : # XXXX and i spoke with on XX/XX/20 with XXXX and she told me that i would have dispute it with experian before they would correct my credit report and they have the correct information want sent it to experian!

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 2020-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have made many calls to USBank thought the years to request an explanation on why my balance Never goes down. On XX/XX/XXXX I called the XXXX to see why? my payment had gone up to {$240.00} when the usual payment was {$100.00}, at this point the recording told me my balance was {$16000.00}, when my statement states {$12000.00}. I spoke to XXXX from Loss Mitigation then she couldn't see my payment history and transferred me to XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. She confirmed that the principal balance was {$16000.00}. I told her this was out of the question since I had been paying {$100.00} per month since I contracted and opened this equity line of credit on XX/XX/XXXX according to their statement. She said she would send it to get a investigation and allegedly took off a bunch of fees. I requested they review my payment and open the investigation. I waited the 7 days and no call no response the US Bank. Well they closed the investigation WITHOUT letting me know and when I called again to find out why they closed the investigation they said because of the fees they had attacked on. I requested the payment history and I only got payments from XX/XX/XXXX. I think they have cheated me with fees and have taken advance that I was laid off work they put a lean on my house which is now removed but they have a hidden agenda. I wonder how many customers have gone though a similar situation with USbank. According to their statement on XX/XX/XXXX I owed a balance of {$12000.00} and ( {$3100.00} ) in Fees. What is this about. I would like an investigation and a Fraud case opened on this fees and on this balance. Also they are hiding payments I have made. Why is it, that they did not, include those payments when I made a request of all my payment history? On their own letter it states in response to my request see transaction history since XX/XX/XXXX to XX/XX/XXXX However no transaction from XX/XX/XXXX are included if you see page ( 1 ) of ( 8 ) the transaction history USbank sent me starts on XX/XX/XXXX. What happened to all the transactions from XX/XX/XXXX to XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Insikt, Inc.
State: CA

Complaint narrative:
Ask why was i being charged intrest only when principal of loan has not gone down at all. Only thing they said is to continue to pay and principal will go down loan was supposed to be paid in full according to terms. I ask for balance and i am denied account balance ive never been late.

Company response to consumer: Closed with explanation