vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: PA

Complaint narrative:
XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureaus have 30 days to reply back and they haven't. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to that I researched. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point.

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 2021-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am so upset right now, I feel like I was deceived and taken advantage of. I had a collection which I received in the mail it was for an accident and my insurance paid for it. When I got another letter I simply just paid it because I didn't want it to impact me and the representative assured me that they would no longer report this account on my credit profile. And of course they didn't keep their word.

Two issues 1. this should have never even been sent in the first place since the insurance covered this bill 2. When I made the payment the representative assured me that it would no longer be reporting on my credit file. 
This both deceptive and misleading.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: AL

Complaint narrative:
Someone from telephone number XXXX continuously leaves voice messages on my answering service claiming to be attorney Maury Cobb, a debt collector. When I contact them on the phone to identify the debt the representative says they are attempting to find someone named XXXX XXXX. I have never heard of this person prior to XX/XX/2019. This harrassment has been ongoing for over one year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX the Post Office lost my letter with payment. I know this because the check was never cashed and it was in the letter. I received the next statement showing no pay and including extra charges. I called City Bank and told them that the Post Office had lost the letter. They looked at my payment record and said I had always paid the full amount and they would remove the penalties. The next bill included a {$2.00} penalty, so I called again and was told they would take care of it. I sent a check for the total of my purchases. The next bill had another extra {$2.00}. I paid the total merchandise charges and cancelled the card telling them I had enough of their lies. The next bill had another {$2.00} and merchandise charges of {$20.00}. I wrote a check for {$20.00} and took it to the XXXX XXXX to be paid. Since the card was canceled, they would not accept the payment. I sent the check and a letter stating the store would not take the payment. Also I stated that it may be late because of the time to get there. These " wonderful '' people ignored the letter and sent a bill with more penalties. I have had enough of their greed and mismanagement.

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 2021-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I keep my mortgage paid one year in advance, plus make additional principal payment each month, Without fail, when I make the payment, the entire amount gets credited as additional principal, despite the confirmation page from the company saying I made one monthly payment plus additional principal. It doesnt matter if I make payment through the US Mail, utilizing the online payment system, or calling and speaking directly to an agent, the entire amount is still applied as principal with no monthly payment. 
I then have to make numerous calls to customer service to try and get it corrected. One loan officer gave me her direct contact information, but she never answers her phone and does not return phone calls. Her voice message instructs one to contact her manager if immediate assistance is needed and gives his name/number. However, he does not answer his phone either. In fact, the voice message on his line is the same female voice of the original loan officer and not his at all. Sadly, they have stopped answering my calls at all, and as I said, no calls are ever returned. 
I purchased my home 11 yrs ago and Nationstar LLC d/b/a Mr. Cooper is the 5th loan server Ive had. There has been no problem with me maintaining my one year cushion until Mr. Cooper purchased the loan in XXXX. Immediately I began to have issues of payments not being applied correctly, and it has continued every month right up until the present date. Mr. Cooper told me it is because one can not pay more than 6 months of a mortgage in advance. I told them XXXX ... .as long as my is current and not in arrears, I can have any additional funds applied however I please. 
I am still fighting with the mortgage company trying to get them to apply funds as specified. Ive made enough payments so that my next payment should be due XX/XX/XXXX. However, the company has been misapplying the funds and after I got it straightened out, they decided to reverse the payments I recently made and re-credit them as principal only, thereby causing my next payment to be due 2 months earlier on XX/XX/XXXX. I DID NOT give permission for anyone to go into my account and convert funds from monthly payments to principal. They are systematically wiping out the financial cushion I prepared for myself. 
I dont understand why this is so difficult. I make one monthly payment with {$1000.00} additional principal each month. Instead of the simple transaction I requested, there will be 10 or more transactions listed as taking place on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Reaching out regarding XXXX XXXX XXXX  in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CAC Financial Corp
State: CA

Complaint narrative:
On XX/XX/2020, CAC FINANCIAL CORP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This complaint is about my auto loan with XXXX XXXX XXXX XXXX XXXX. The loan payment is due on the XXXX of each month. My understanding is that I have up to 30 days before the next due date to make a payment before it is considered 30 days past due and is reported to the credit bureau as a delinquent account. The last payment was debited from my account on Friday XX/XX/2021 which was the balance that was due for XX/XX/2021. However, the payment did not post into XXXX XXXX XXXX 's database until Tuesday XX/XX/2021, causing the account to become delinquent. This " delinquency '' was then reported to the credit bureaus. I spoke with the loss prevention manager, XXXX, who offered some pretty good advice, but subsequently was unable to do anything in regards to correcting this matter. 

Is it legal for a company/creditor to report a payment that was made before the " 30 day late payment '' reporting period if the actual payment was made within the 30 days, but did not post in they're system until 4 days later? 

Please advise. Thank you for your help.

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 2021-03-04 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-04 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: Lendmark Financial Services
State: DC

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I mailed Equifax a letter disputing a few errors on my credit report. I also mailed letters to XX/XX/XXXX and XX/XX/XXXX at the same time. I received XXXX response on XX/XX/2021 and XX/XX/XXXXon XX/XX/2021. I understan from the Fair Credit Act, I should hear a response within 30-45 days. I even gave a few days extra due to COVID and the mailing system being slow. However, it is now XX/XX/2021 and still have not received any notification from Equifax. According to the Fair Credit Act, all my concerns on the original dispute should be updated / granted due to lack of response. 

I would like my credit report to reflect all the disputed information at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I received a letter from PNC Bank stating my account would be closed on XX/XX/2021 but no reason was listed, just instructions on the closure of the account and debit card associated with it. Called the XXXX number and spoke to a representative that informed me my account is being closed due to the branch filing a complaint referencing rude/sexual comments. Shocked at the news, I wanted to discuss with the branch manager to find out why this is happening, and to also bring up to attention that this is untrue and maybe a mistake. Branch manager XXXX XXXX was not willing to discuss any details, and just kept referencing me back to the XXXX number ( whom referred me to the branch manager initially ). Needless to say nothing has been accomplished. I am extremely offended that something like this would be reported on myself, and that I can not even defend myself so that I don't have to go through the hassle of not only having to find a new financial institution, but to have to transfer all automatic debits/deposits as well. I am elderly and this is not easy for a person like myself to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I'm still in school and scheduled to graduate with aXX/XX/XXXXdegree in XX/XX/XXXX from XX/XX/XXXX. The issue is that XXXX XX/XX/XXXX XXXX First Mark Services ) is expecting my repayment of the loan to start in XX/XX/XXXX. They are constantly calling my co-signor daily asking to pay for payment, that according to them it is due now. My co-signor is a XXXX XX/XX/XXXX who is very busy with her patients. 

I have called numerous times to have them fix this issue, which looks like a minor issue with their system. I have also asked my university to send verification for my graduation date. They did that on XX/XX/XXXX via an email to customer support. Whenever I call, they say it shouldn't be an issue going forward, but the harassment calls have not stopped. I also, added my father so he can speak to a manager as my co-signor or I do not have time for long waits. My dad did call yesterday and spoke to a manager by the name of XXXX and she said that all is resolved and they have also received confirmation from my university. My dad also asked to send an email to me and the co-signor confirming everything is resolved at their end. So far we have not received any email from the manager. 

Seems like one department does not talk to the other and they are too lazy to correct the issue with the collection department. The issue is where it was 4-5 months ago. 

I'm forced to report this else whereas I'm running out of options. I did see multiple complaints about First Mark on XX/XX/XXXXsite with similar issues to mine Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, WF CRD SVC add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by 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 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my mortgage with XXXX  ( loan # XXXX XXXX in XX/XX/XXXX. XXXX then immediately sold the loan to XXXX XXXX XXXX ( loan # XXXX XXXX. XXXX XXXX XXXX billed me for XX/XX/XXXX mortgage payment in the amount of {$2800.00} due XX/XX/XXXX ( see attached ). On XX/XX/XXXX, a Notice of Servicing Transfer letter from XXXX XXXX was sent to me stating that LoanCare on behalf of XXXX XXXX XXXXXXXX XXXX will collect my mortgage payments starting XX/XX/XXXX. 

Meanwhile, XXXX persistently contacted us for their XX/XX/XXXX payment. They said it was due to them, not XXXX XXXX. We have tried MANY attempts to contact XXXX XXXX and LoanCare to resolve the issue and get the XXXX mortgage refunded to us so we can pay XXXX  to no avail. We've been contacting both companies since XXXX. I have attached supporting emails from XXXX XXXX that states the XXXX mortgage is due to us for refund and that they've contacted LoanCare to process the refund. It's been 2 months and nothing from LoanCare. Every time we attempt to contact LoanCare at the only number we know ( XXXX ), they don't seem to know the story and it's a repeat of the entire scenario to the rep at the time. There has been numerous calls to LoanCare from XXXX to XXXX. I started documenting my calls to LoanCare starting XX/XX/XXXX. 

Calls to LoanCare : XX/XX/XXXX - Spoke to XXXX, then requested to speak to a supervisor named, Ms. XXXX and she initiated an escalated ticket XXXX # XXXX XXXX. She said we'd get a call back from the escalation dept within 1-3 days. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. She was supposed to call us back the next day. No call back. 

XX/XX/XXXX - Spoke to XXXX XXXX agent # XXXX XXXX. Was supposed to have someone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXXNo call has ever
been made from LoanCare to us to try to resolve the issue. 

We were approaching the 60 days RESPA and were forced to make a secondary XXXX mortgage payment to XXXX ( see letter from XXXX attached ) on XX/XX/XXXX to avoid having a negative impact to our credit. 

This has gone on far too long with no follow up or communication from LoanCare. It is clearly an error between XXXX XXXX and LoanCare that should have been easily and quickly resolved for me. 

I hope this letter will help find me a quick resolution.

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 2021-03-04 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: AZ

Complaint narrative:
Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX XXXX XXXX  { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.

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 2021-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial
State: KS

Complaint narrative:
A lawyer from a law firm called XXXXXXXX XXXX XXXXXXXX reached out to me stating that I owed them for a loan that was taken out with a company called Spotloan. They stated that they acquired the loan and we seeking repayment. I reached out to Spotloan, to the investigation division, and explained to them that a lawyer reached out to me seeking repayment for a loan that I had with them. The investigator that I spoke with stated that the loan I had with Spotloan was repurchased by Spotloan and that the account was closed and was placed at a zero balance. Furthermore, they informed me that if anyone is trying to collect on the loan they are scammers and thst there is nothing to collect on this account. XXXXXXXX XXXX  XXXX has repeatedly had someone reach out to me stating that I will be served with legal papers to collect on a debt that is no longer good.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation