vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Hey, my name is XXXX and I mailed out a few dispute letters to XXXX   TransUnion and XXXX They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you

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 2020-10-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hey, my name is XXXX and I mailed out a few dispute letters to Experian, XXXX and XXXX. They have failed to respond and it's been over 60 days with no response. I just want inaccuracies to be removed that I highlighted in my dispute letters. Thank you

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 2020-10-21 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: VA

Complaint narrative:
Experian, XXXX XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

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 2020-10-21 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: DE

Complaint narrative:
I have submitted several notices to Equifax regarding account XXXX XXXX that the account is fraud and after a several months they have not corrected the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: PA

Complaint narrative:
I told them I was experiencing a COVID 19 hardship and needed to use the CARES ACT Forbearance program. They gave me 3 months, then another 3 months, but I asked for 5 months to begin with!!! 

Now they send me a package indicating my request is incomplete!! I followed the rules under the cares act and they are not complying!!!! 

They are asking I send in all this other information that is not REQUIRED under the cares act!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I requested 5 months FOREBEARANCE they forced me to take two 3 months. 

Now they are sending me this packet to complete. 

The CARES ACT is clear. I am entitled to the FOREBEARANCE as long as I indicate COVID 19 has impacted me indirectly or directly!! 

I have done this by email over and over, by phone. PHH IS NOT COMPLYING WITH CARES ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I built a home in XXXX and my builder turned out to be a scam artist who left my home unfinished. He insured and recorded a mortgage on the 35 year old neighboring property in my name to get paid when I refused to sign any more documents until we settled the dispute over the build. I have attached a copy of a warranty deed filed conveying my neighbor 's property to me. 

The mortgage note has my new home 's legal description on it and my signatures from a purchase and sale agreement I signed at the builder 's office prior to the home 's completion. I disputed this mortgage from day one and never made a payment. The loan was sold multiple times until XXXX when I was sued by XXXX XXXX XXXX who had received the loan from XXXX XXXX XXXX. I prevailed in this lawsuit at both summary judgment hearings as well as the bench trial. 

I tried to clear the title to the property since XXXX XXXX XXXX never tried to correct the deed or any of the mortgage documents. They continued to insure the neighboring property I don't own allowing the escrow account and interest to build. 

In XXXX I received another foreclosure lawsuit from Carrington Mortgage Company who claimed to have found an original mortgage that I signed. I hired an attorney to defend me who took my {$2000.00} retainer and never called me again. I found out at a foreclosure hearing that he was disbarred from the judge who mocked me for hiring him an blamed me for a situation she said, " I allowed to go on for 13 years. '' The judge implied during the hearing that I owned both properties and that I was in some sort of scheme with my neighbors to cheat the bank. She said this situation was my fault and signed a {$300000.00} judgement against me that includes insurance on my neighbor 's property for 13 years, alleged property inspections that could not possibly have occurred. I can not imagine that anyone who inspected the property would not be confronted by the actual owner of the home the bank has mortgaged in my name. I will be filing for bankruptcy to get in front of a reasonable judge after I was treated so unfairly by the circuit court judge. After the judgement was signed, I specifically asked the judge " What is the address of the property your are foreclosing? '' The judge responded with my neighbor 's property address. However, when I received the final order from the court that was submitted by the Carrington Mortgage Company attorney, it had my address on it. I need this situation investigated by someone who is actually impartial and willing to listed to me. Fixing this situation with the paperwork is on the mortgage company, not me. I don't need a fancy lawyer to tell me that this is wrong and after losing my job thanks to covid 19 I can't afford one. However, I will not allow this bank to take my home or my neighbor 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
This company REFUSES to let me make principal only payments. After being told several times that once my loan was paid 3-months ahead that all payments would be 100 % applied to principal ; this has not happened. My loan is 3 months ahead and I continue to get the run around on the phone with this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
My complaint is in reference to Fifth Third Bank and their remitting payments to our homeowner 's insurance company ( XXXX XXXX ) from our escrow account. 

My husband and I closed on our house on XX/XX/20. We identified XXXX XXXX as our homeowner 's insurance and set up automatic payments from our account prior to closing. 

After closing, our mortgage was sold to Fifth Third Bank. On XX/XX/20 Fifth Third Bank communicated with Traveler 's and discontinued our automatic payments. They requested a direct bill. My assumption is so that they could pay XXXX XXXX from our escrow account. We were not notified of this change. 

On XX/XX/20 I was notified by XXXX XXXX that my policy was pending cancellation due to non-payment. I called XXXX XXXX to understand and was informed of the above. While I was on the call with XXXX XXXX, they called Fifth Third Bank who promised to remit a payment. 

One week later, approximately XX/XX/20, I checked my XXXX XXXX   account, still not paid. My husband called XXXX XXXX again. Again, while he was on the phone, XXXX XXXX  called Fifth Third Bank who promised to remit a payment. At this time, Fifth Third Bank admitted that they had been confused about the amount to pay but promised to remit the payment. 

On XX/XX/20 the bill still was not paid. My husband called XXXX XXXX  again, who again called Fifth Third Bank. At this point our insurance was scheduled to be cancelled on XX/XX/20. Fifth Third Bank promised to send payment and assured him that it would be posted by XX/XX/20. 

On XX/XX/20 the payment was still not reflected in our Traveler 's account. I called XXXX XXXX to see if there was a delay and they still had not received it. Fifth Third Bank informed us that they had sent an overnight payment to XXXX XXXX on XX/XX/20. Traveler 's agreed to suspend our billing so that the insurance was not cancelled and felt confident that they would receive the payment by XX/XX/20. They set our billing to resume on XX/XX/20, meaning if payment was not received by then, our account would be canceled. 

As of XX/XX/20 the account is still not paid. At this point my husband and I will likely pay the bill out of pocket so that we do not have any interruption in our insurance. I ave never dealt with such an inept company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: VA

Complaint narrative:
XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from Total Visa and First Access and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

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 2020-10-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, Equifax, XXXX, XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: PA

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX   XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2020-10-21 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: MD

Complaint narrative:
XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
my upgrade account is reporting late in the month of XXXX and XX/XX/2020. This is incorrect, i was never late this is the 2nd or 3rd time this has happened. This is extremally hurtful to my ability to gain credit, car insurances loans and lines of credit.

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I put in a dispute to BarclayCard and was denied. I sent a letter to the fraud dept with all the documents supporting my claim. They denied my claim due to it was passed the 60 days of purchase. We did purchase in advance but since this was a vacation we did not know fraud had taken place until be traveled on XX/XX/XXXX. Immediately once we returned we send a letter to Barcaly explaining the fraud with all the document supporting our claim. I put in a dispute for the full amount of {$1600.00}. 


I charged a vacation through a travel agency XXXX/XXXX on XX/XX/XXXX for XX/XX/XXXX XXXX, XXXX. {$1600.00} was the cost for 4 nights hotel only. Before arrival in XXXX, I called the resort several times directly and they confirmed they had my reservation. I also confirmed my reservation on XXXX website and it showed my reservation was active and paid in full. However, we flew to XXXX on XX/XX/XXXX and upon arrival at the resort to check-in, they informed us that XXXX XXXX canceled our reservation on XX/XX/XXXX. We never contacted XXXX XXXX to cancel ( nor did they refund our payment ). We had just traveled from the US to XXXX for 12 hours and since the resort was not paid by XXXXXXXX XXXX we were forced to pay a 2nd charge directly through the resort for the exact same reservation from XXXX/XXXX 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 2020-10-21 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: MD

Complaint narrative:
XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.

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 2020-10-21 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: MD

Complaint narrative:
XXXX XXXX XXXX Original Creditor Name XXXX XXXX Account # XXXX They are reporting my medical debt on my credit report that is in direct violation of HIPPA. XXXX XXXX XXXX did NOT provide me with a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I contacted the bureaus to have this item removed and they have NOT complied.

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