vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX HOSPITAL - Account : XXXX Creditor : ( BLANK ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2020-04-27 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: NC

Complaint narrative:
Installment account reporting to my personal credit report was removed recently this month. The removal of this account affected my length of credit history and oldest account, resulting in a negative affect to my credit report. Would like this information to be added back to my credit report as it is accurate and correct information. I have also asked the data furnisher to resubmit the information to transunion.

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
AS OF TODAY, XX/XX/XXXX I HAVE RECEIVED NO INFO NOR WELCOME LETTER AS REQURED BY LAW FROM MY NEW MORTGAGE COMPANY ( SHELLPOINT MORTGAGE SERVICING ) WHO OBTAINED BY HOME LOAN FROM XXXX ON XX/XX/XXXX DUE TO THEIR BANKRUPTCY FILING. 

I HAVE NOW MAILED TWO ( 2 ) SEPERATE MONTHLY PAYMENTS TO THEM BUT HAVE NO LOAN NUMBER OR ACCOUNT TO DATE. PLEASE HAVE THEM RECTIFY THIS PROBLEM BY SIMPLY WRITING ME TO INFORM ME OF NEEDED DETAILS AND TO DISCLOSE THEIR OWNERSHIP OF THIS MORTGAGE. I HAVE NOTED THE OLD XXXX ACCT. NO. ( XXXX ) IN THE MEMO SECTION OF MY CHECKS. 

THIS TYPE OF TRANSFER WITH NO DISCLOSURE TO THE CLIENT INVOLVED IS TROUBLING, ESPECIALLY CONSIDERING THE COMPLAINTS I HAVE READ REGARDING THE BUSINESS PRACTICES OF THE NEW MORTGAGE HOLDER/SERVICER FROM OTHER FORMER XXXX CUSTOMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the gm financial debt that I have tried resolving with gm financial but they never called me back, this XXXXXXXX XXXX is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I attempted to dispute a XX/XX/XXXX mishandled payment with XXXX XXXX 

In an possible act of retribution or discrimination, XXXX XXXX has sent an false/ inaccurate report to Experian XXXX The loan balance has been inflated to {$48000.00}. Also an other false notation is that they now report both the XXXX and XXXX payment as late. Attached will be information showing my loan balance in XX/XX/XXXX as being XXXX. How does a loan balance increase? My amortization schedule should show the balance going down about XXXX dollars every month not going back up to the $ 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 2020-04-27 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: NC

Complaint narrative:
Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XXXX/XXXX/20.  Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account XXXX XXXX XXXX : XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : ( XXXX ) - Account : XXXX Creditor : XXXX XXXX XXXX Account : 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 2020-04-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax disputing unauthorized inquires on my credit report. 

XXXX Date of inquiry : XX/XX/XXXX Its had been more than 30 days since I've received a response XX/XX/XXXX, I sent a second request demanding an investigation into the unauthorized inquiry listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: VA

Complaint narrative:
I checked my credit reports on XXXX2020 and found a collection was placed on my report. I contacted Paramount Recovery Systems.They could not give me any information the debt over the phone. I have not received any billing statements from this company. I contact XXXX XXXX XXXX XXXX about the amount owed ( {$320.00} ), I was informed by XXXX XXXX XXXX XXXX  that I don't owe them any money at all and they have never heard of Paramount Recovery Systems  or XXXX. They further informed by that they do not sell their debt to collection agencies, they use collection agencies to collect on the debt and the only one they use is XXXX XXXX XXXX  in XXXX, VA. My Attorney sent me a letter to send to Paramount Recovery Systems for the to verify the debt to me. I have attached said letter as I was informed by a Representative of Paramount Recovery Systems that no one was in the office due to Covid 19 and the letter would be return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final classes for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX as I'm sure ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TX

Complaint narrative:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my final  classes  for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...

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 2020-04-27 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: TX

Complaint narrative:
ftc violations attached The FTC says that University XXXX XXXX used a multi-media ad ... of one of my XXXX XXXX for my XXXX, which is a violation to say the least. ... I don't owe money directly to the school though I owe it to XXXX  as I'm sure ...

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
Was charged late Fee of {$100.00} Unfairly, Under COVID 19, where the government advice that we may hold the mortgage. also i was refinancing the loan with the Bank. 
with all the issues going on Penny Mac insisted to charge late Fee they Got paid twice but 3 days late and they holding my money for 20 days as per the bank rule. customer service is not willing to help giving COVID19 hardship where some tenants couldn't make full payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2020, my Fico credit score decreased due to inaccurate information. American Express has incorrect balance on my credit report and fails to report my updated correct balances to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: FL

Complaint narrative:
I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.

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 2020-04-27 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: FL

Complaint narrative:
I noticed a few hard inquires on my credit reports that I do not recognize. I mailed the 609 letters to each bureau on XX/XX/XXXX, I never heard back. I then submitted the 30 day letter to comply and still no answer. The credit bureaus are reporting inaccurate information on my credit report and I demand an investigation. They are not upholding the law and the statues and I would like a complete investigation.

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 2020-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Reliable Credit Association, Inc.
State: ID

Complaint narrative:
My wife went to see a vehicle that she really wanted. I was at work and when I got home she told me she felt so pressured to sign papers even though it was not under her name. The guys at the dealer force her to get the car under my name without my authorization. I went to the dealer fought them about it and unfortunately could do anything about it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
in 2017, goin thru a divorce, divorce decree signed by judge stated that ex spose was to sell house or refinance within a year and hold me harmless, that didnt happen, forclosure se sent it to,,, i cant get help getting it off my report.. its her responsibilty and action for this mess ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Reference : KRAKENs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with KRAKENs wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing KRAKENs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with KRAKEN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I contacted Transworld inc on XX/XX/2019 to receive verification of debt/original bill. They did not provide the information and stated the original creditor did not provide it however continue to report to the credit bureau 's. I tried to resolve this with them but they hang up on me and refused to let me speak to a manger. I have no resolution for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC will not allow me to link my account to my other bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am trying to refinance a mortgage on my property in XXXX, CT. The property was previously destroyed by Super Storm Sandy. At that time I took out a second mortgage to help with the rebuild through XXXX. The loan is current owned by the department of housing in CT. I am in of a subordination which has been obtained but is not being accepted by Peoples United Bank or XXXX XXXX XXXX. They are stating that it is not properly executed per the governors temporary orders regarding electronic signatures. 
Neither party Bank nor Department of Housing will budge. My closing date was cancelled and now I will be losing my rate lock. I have done everything humanly possible to try and get this resolved starting on XX/XX/XXXX. 
The Bank told me I was cleared to close and then came back an hour later and said let me know when you get the wet signatures. 
Anything you can do to assist will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: PA

Complaint narrative:
I requested a back dated forbearance with American Education Services on XX/XX/XXXX, which would cover the dates of the late payments and AES granted me the forbearance with a letter stating it would be back dated and once the forbearance was completed they would remove all negative reporting to the credit bureaus. However, they did not remove the late payments from my credit report. After numerous calls to AES ( reps and supervisors ), I found out that as of XX/XX/XXXX, they have changed their policy to remove late payments when a back dated forbearance or deferment was granted and covers the dates of the late payments. However, anyone who had late payments prior to XX/XX/XXXX would not benefit from the new policy. AES has changed their policy, but refuse to apply it for customers whose late payments were before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Previously I sent in a complaint request because I am asking my mortgage company SPS to allow me to pay my own escrow account. ( Taxes and Insurance ) They sent you an older value than the current value of the home and you closed my complaint based on that information. With my new complaint, I am attaching proof of my home 's current value from both XXXX and XXXX. Please disregard the OLD information SPS is trying to use as FALSE PROOF and have them to allow my request. This company SPS is not being honest with me or you. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation