vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: VA

Complaint narrative:
Our home mortgage was purchased by RoundPoint Mortgage Servicing and transferred to them in XXXX of this year. We provided RoundPoint with no information, and I assume everything was transferred from our previous mortgage servicing companies. In XXXX, we changed home insurance companies. I was told by my new insurance company that they would/did send our new policy to Roundpoint in late XXXX, the day we changed insurance companies. After receiving another notice from RoundPoint that it was not received, I also sent the documentation on XX/XX/year>. I was told by the RoundPoint agent on the phone that she received the insurance copy via email and we were good to go and that I could ignore any other notices. We received another notice on XX/XX/year>, that the company still did not have our home hazard policy this time for XXXX. I again contacted Roundpoint and sent a copy of our now-terminated policy that showed proof of coverage through XX/XX/year> ( the date our new policy started ). We have now received another letter, dated XX/XX/year>, that insurance has been purchased for the lapse in coverage that never occurred. I am calling them for the third time. This is ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year> Experian opened a dispute with the company XXXX in response to an affidavit I sent in describing the inaccuracies displayed on my report by the furnisher XXXX. On XX/XX/year>, this dispute was completed with a resolution of this account had been updated. No where in the description did it express this debt was validated nor did I receive any correspondence with the documents requested to validate this debt. I also requested cessation of collection efforts until the debts were properly validated and as of today XX/XX/year>, they have not been. Under the Fair Debt Collection Practices Act ( FDCPA ), section 805 ( c ), I am entitled to request a debt collector to cease communication regarding a specific debt. I requested that communication cease until debts were properly validated in the original dispute letter that was received by the bureaus on XX/XX/XXXX. XXXX has contacted me XXXX times since then without properly validating the alleged debt, placing the company in violation of the FDCPA for disobeying my request. Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of this account due to inconsistency in account information amongst the reports. In this dispute I stated should these documents not be provided... I will assume that these debts can not be validated and therefore expect a deletion of these accounts from my reports. I am now sending the attached letter directly to the company as I also submit this complaint.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I spoke with representative along with my real estate agent, we had to pay this off in order for our mortgage to be approved. It was paid and the rep said we would receive an email stating this and they would submit to credit bureaus and it would be paid in full status and deleted off my credit bureaus, this was our verbal agreement. It is attached as well via email. It still as of today is on my credit reports. This is not okay, I have proof it was settled and needs deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
-I have reached out to the company and credit bureaus more than 10 times -filed complaints with all credit bureaus -filed complaint and dispute with FTC -filed complaint with CFPB -sent disputed certified mail, more than once, spend money on mail CITI is sending the information to a address in XXXX Ca and was not able to verify me because it's not my account someone is using my info but different address and number

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I paid XXXX XXXX XXXX {$170.00} on Venmo, I did not receive any service, she scammed me. 

I disputed it on venmo, but it is useless, they are not refunding my money and asking me to work with the seller, well, if the seller was ready to give me a refund why will i file a dispute with Venmo Venmo has become a platform to do frauds and scams

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, we filed a CFPB complaint against USAA for closing our accounts without warning. Since XX/XX/year>, we have been trying to retrieve our money from USAA. As of today, they informed us that we can not access our funds because of the CFPB complaint, and they now need another week to review our account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A person impersonating themselves as a member of the XXXX XXXX Fraud Division contacted my wife via phone on XX/XX/2024 at XXXX EST. After obtaining information regarding our bank account through a series of text messages and calls disguised as official XXXX XXXX XXXX, two wire transfers took place for {$300.00} and {$9200.00} from our bank account.

Once we realized the fraud took place, we contacted the fraud department of our bank ( XXXX XXXX ) at XXXX the same day. The XXXX XXXX fraud agent, XXXX XXXX, was able to trace the funds to the receiving bank, JP Morgan Chase Bank, with a corresponding account number, name, and address in XXXX, CO. 

We were contacted by our XXXX XXXX Fraud Investigations agent, XXXX XXXX XXXX, the morning of XX/XX/2024 to file a report with the FBI and to request our funds back from JPMorgan Chase Bank. 

On XX/XX/2024 we were informed that JPMorgan Chase denied our claim to receive our funds back because 'the funds were no longer available '. 

This is grossly unjust. My wife and I are hard working, law abiding citizens with a XXXX year old, a XXXX year old, and another baby due in XXXX, and are now left financially vulnerable because of a criminal. The lack of protection for US citizens from these huge financial corporations is saddening to say the least.

PLEASE help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
Mortgage company put my account in a state where I have to send wire, cashiers check, or certified check for my payment for 6 months due to insufficient funds. I tried to explain to them that my bank was flagging it as fraud and not letting them take the money because they were trying take the money 3 days after I submit the payment at XXXX in the morning. I obviously had no choice to pick how my payment was made so I continued with the check route. Ive been sending cashiers checks to them for the past 3 months. My bank who iniatoes the check and pulls the money from my account notifies me when the check is delivered and cashed. Pennymac then calls me to tell my account is in foreclosure even though Ive been sending payments every month via check - my home bank has notified me that every single check ive sent has been cashed by penny mac. Penny mac tells me they have no record and to send my proof and gives me a fax number. I sent them my proof to the fax number they gave me and it was delivered and received according to the company I sent it though. They still are telling me theyve never received my information but it is the correct number. I then submit my documents through the message portal in pennymacs website and they are still telling me my house is delinquent - theyve reported many of my on time payments late and ive had to submit bank statements to get these charges off my credit. Per my mortgage agreement I have untill the XXXX of every month to make my mortgage payment. theyve marked XXXX late and XXXX was paid on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My wife and I paid off our home mortgage on XX/XX/year> for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The escrow held by Rushmore Servicing ( {$1800.00} ) has not yet been returned to us. We called Rushmore Servicing on XX/XX/year> twice during business hours. Rushmore automatically ( i.e., not a live agent ) asked for the loan number. After we provided the loan number, they auto-confirmed that the loan was payed off but it was not possible to get in touch with a live agent or otherwise get the option to request that our escrow be returned. Previously, before the loan was paid off, we were able to speak with a live agent for various needs. After the loan was payed off, it is not possible to speak with a live agent or to have the option to request the escrow back. 

Loan number - XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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