vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: IL

Complaint narrative:
Of the 3 major credit reporting agencies, Equifax is the only one that continues to report late/trailing XXXX XXXX mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had XXXX XXXX provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sarma
State: AP

Complaint narrative:
I got a call from my dad saying that an agency called SARMA a collection agency with XXXX contacted him. They discussed that I owed a debt of XXXX dollars or more without my knowledge. They thought they were speaking with me I take it. Its embarrassing and causes stress when Im out and about and I had to have a family member tell me someone is trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Of the 3 major credit reporting agencies, XXXX  is the only one that continues to report late/trailing Wells Fargo mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had Wells Fargo provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.

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 2021-02-17 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 — Problem with personal statement of dispute
Company: Self Financial Inc.
State: PA

Complaint narrative:
I recently disputed a late payment added to my credit file with self financial, inc. I explained to them that my hours were reduced due to COVID-19 restrictions and I've been struggling with my debts but I manage to make the payment on the due date but didn't realize I was 30 days late for 1 payment. So I called Self and told them about the situation and said they couldn't do anything about it even when I explained that I only work 10 hours a week due to COVID-19 restriction and told me to send a goodwill letter to see if they can help me but at the end they denied it and I know that under the CARES ACT if I told them about the situation they can not report me late to the bureaus or help me. I went into this company believing that if one day this would happen they would understand my circumstance since they're suppose to help people who had bad credit history. I been paying on time and I really thought I didn't miss the mark but being at a job only working 10 hours and sustaining my kids mostly by myself and dealing with COVID-19 is a major stress factor and just knowing I worked my XXXX off to maintain my credit intact for almost 3 years the only thing I have clean only for them to not to give me a hand with this especially during these horrible depressing time. I'm really hurt that SELF financial couldn't understand my situation and this has really affected me mentally and physically especially with what I'm going thru right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare advised me in XX/XX/XXXXI had a shortage of {$580.00} and started an analysis was completed in XX/XX/2020 taking my payment from {$1400.00} to {$1400.00} in XXXX and XXXX and now in XXXX another inceased to {$1500.00} without notification and when I called in over 4 x 's to get help the representative could not advised what my P & I and T & I was to give me the total. I asked not to be transferred in order to make a paymetn instead while i was talking the rep put me on hold as she spoke over me that she will transfer me anyway. 

why would my paym change twice within 90 days. Customer sercvice at this place is unbelievale rude and I do not understand why a phone rep looking at my account is not trained to give me my P & I payment and what is my escrow T & I and why an analysis would be completed twice and why would the escrow not be completed correct the first time. this is concerning and alarming and quite distrubing the rep is not able to give my PITI just rude and working from home without any accountability or supervision. I want this call pulled provided to CFPB and a call made to me by someone in leadership at XXXX, will also be reaching out to HUD this is not how you service a loan and treat a consumer

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 2021-02-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from Wells Fargo in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from Wells Fargo reflecting the loan was current and thought I rectified this issue with them and XXXX. As only XXXX  is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from Wells Fargo. This can not be as I am on automatic bill payment. Wells Fargo did provide me with documents on multiple occasions to submit to XXXX  ; however XXXX  told me they can only report what is reported to them. It is possible that Wells Fargo is erroneously reporting to XXXX. As I followed up with Wells Fargo and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. Wells Fargo at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with XXXX  and XXXXells Fargon in XX/XX/XXXX, my XXXX XXXX has dropped on XXXX  alone by XXXX points. This is an egregious disservice and wrong to me, and is severely impacting my life. Wells Fargo nor XXXX  wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
{$260.00} was frauduantly taken out of my TD Bank account between XX/XX/XXXX to XX/XX/XXXX. 
Even thought TD Bank has all my contact info, failed to do it. so when i noticed this fraud on XX/XX/XXXX i called my branch where no one answered the phone had to call HQ and hold for several over 30 minutes before being finally connected to TD fraud unit where while describing my ordeal got disconnected, the rep did not try reaching calling me back!

had to call back and took another 30 minutes to reach Ms XXXX related my story and was promised will be credited the missing amount in 24hrs and will be issued a new Debit card, Now its XX/XX/XXXX i am waiting 4days!!! 
Also my 2 emails to refund the missing amount and cancel and reissue my Debit card has not been answered! 
Please Help and advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
About two years ago, XX/XX/XXXX if I remember correctly, my identity was stolen ... Personal belongings of mine fell into the hands of imposters. Whoever they were, they used my cell phone to get into my checking account thru the app on my phone I assume, and started transferring money to themselves using XXXX. This happened XXXX, XXXX, XXXX, XXXX, and in XX/XX/XXXX she/he wired {$1500.00} from my account to themselves ( of this I have proof of who did it, but only proof of who did this wire ). There was also a fraudulent check made and cashed against my account in XX/XX/XXXX. 
Since I learned of my money being stolen from my account, I was reporting it every month to my financial institution ( USAA ). For almost two years I fought with USAA to get my moneys back. USAA failed to do as they promised, I never received the provisional credits, not on the full amounts stolen ... Instead, USAA decided to close my account, after 23 years with them, insighting me as a liability ... The representative told me that I should have taken better care of my personal effects, I should have had a pin code or lock on my phone, I should have secured my things better .... All of which I had done ... All of it!!! I don't think USAA treated me very fairly, and since closing my account has created a world of difficulty for me in recouping my money still held in my closed account. That is another problem in and of itself ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I mailed off my affidavit of truth " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit '' [ Group v Finletter , 108 F.Supp. 327 Federal case of group v Finletter, 208 F.Supp. 327 ]. 

Credit Collections Services never rebutted with an affidavit. An affidavit uncontested, unrebutted, unanswered, Morris v National Cash Register, 44S.W. 2d 433 Morris v National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accept as true ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed for chapter XXXX bankruptcy on around XX/XX/XXXX/XX/XX/XXXX. SunTrust Bank was included in my filing. My bankruptcy was discharged on XX/XX/XXXX. I have not heard from SunTrust Bank since then. Today XX/XX/XXXX, while in the process of selling my house i was informed that SunTrust Bank had a judgement on my property from XX/XX/XXXX. I did not own this property until XX/XX/XXXX and SunTrust Bank was included and discharged in my bankruptcy in XX/XX/XXXX. Why 20 years later have they placed a judgment on a property that I didn't own until 10 years later. At no time when i purchased this house did an issue with SunTrust Bank arise so all of this coming up out of the blue is pretty shocking and concerning. 

Per my discharge documents, " The discharge prohibits an attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. '' This is a clear violation that SunTrust Bank is to collect by placing a judgement on my property 10-20 years after it was discharged in a chapter XXXX bankruptcy.

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 2021-02-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent the dispute into this company and I have already filed a complaint through the CFPB pertaining to this matter. Please look into complaint XXXX-XXXX  i attached the proper identifying documents. This is the exact same info that is on my credit report. If they are refusing to investgate after all this time who do I turn to? What is the CFPB job or power in this matter? They are refusing to accept my dispute They are being very uncooperative and they are blatantly ignoring my cries for help. I dont know is it because Im a XXXX  man or if its because im from Texas. Or what. But I have sent these letters out to them on several occasions and they are refusing to respond. When I called they told me that they received the letter but still no response. there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Saw 4 pending unauthorized transection totaling {$79.00} dated todayXX/XX/XXXX, called my local branch to report it but no one answered the phone during their working hours! called their main XXXX XXXX XXXX and was transferred to fraud dept and narrated my story for about 25 minutes to Ms XXXX gave her all the info and then got disconnected, this rep did not even try calling me back! 
Called TDBank again waited to reach the fraud dept took about 27 minutes while new Rep Ms XXXX gathered all the info, refused to let me speak to the previous rep Ms XXXX, or her supervisor or manager, refused to ask their manager to call me or would not even share her supervisor 's email!! 
Even thought they have all my contact info on file they fail to inform me of any impending fradulant debits. 
Also unwilling to stop the impending fraudulant debits charges occuring while i was reporting!!!!! 
I am not sure what to do, can you please help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2020, I mailed out dispute letters to XXXX, Transunion, & XXXX  concerning inaccurate information on my credit report and I have not received a response at all.

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 2021-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I am always on time when sending my mortgage, as it is my most important bill, however the company continues to accuse me of sending my check late. I send my check well before my billing date and they continue to say they have not received my payment on time, each time they charge me a late fee. I have been to my local post office for information on how long it takes for a letter to reach California from Massachusetts, they told me it takes about three to five days. I always send my check on time and they claim I am roughly 19 days late on my payment, they have charged me late fees multiple times and I am upset since I know my payments are on time. It seems as if they want to force me to switch to automatic payment although I have always payed by check through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Beginning XX/XX/XXXX I tried to buy another home for renovation purposes. My loan officer informed me I had a missed payment from XXXX XXXX in the amount of {$3400.00}. This was an accumulation of missed payments from earlier years in which I had a hardship and remodified the loan. The mortgage was now current. I received the necessary documents from XXXX XXXX reflecting the loan was current and thought I rectified this issue with them and Equifax. As only Equifax is the only credit bureau reflecting such a negative impact due to this. I attempted to buy another house for renovation in XX/XX/XXXX ; again my loan officer informs me that I have missed payments from XXXX XXXX. This can not be as I am on automatic bill payment. XXXX XXXX did provide me with documents on multiple occasions to submit to Equifax ; however Equifax told me they can only report what is reported to them. It is possible that XXXX XXXX is erroneously reporting to Equifax. As I followed up with XXXX XXXX and I was informed that they should not have been reporting at all due to a bankruptcy filed by co-borrower. However co-borrower " Quit Claimed '' themself from deed. XXXX XXXX at that time informed me they would start reporting my on time payments. However after my last few conversations with them, they have sent me correspondence saying that they will not report anything on my credit report. Review of my credit report reveals they have removed my good payment reporting, and have left the negative report from XXXX. Since I started dispute with Equifax and XXXX XXXX in XX/XX/XXXX, my credit score has dropped on Equifax alone by 93 points. This is an egregious disservice and wrong to me, and is severely impacting my life. XXXX XXXX nor Equifax wants to help solve the problem and continuously shifts the blame, while leaving me as the consumer negatively affected. I need help, as credit is a resource that has a huge impact on one 's financial outcome.

Company response to consumer: Closed with explanation