vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
1. I was with XXXX XXXX XXXX  XXXX until XX/XX/XXXX when I received a letter that my mortgage has been transferred to a new company called NewRez LLC mortgage company located in North Carolina. I also received annual escrow statement and shortage {$270.00} in my escrow from XXXX XXXX XXXX instructed to forward the payment to the new mortgage company, NewRez LLC before XX/XX/XXXX. 
2. I issued a check in the amount of {$270.00} to NewRez LLC according to the statement indicating my monthly mortgage payment will decrease from {$1100.00} to option 1 amount of {$1100.00} including taxes and insurance. recieved My mortgage was transferred from XXXX XXXX XXXX to NewRez LLC effective XX/XX/XXXX with a monthly payment of {$1100.00}, including taxes and insurance. According to the notification letter from XXXX XXXX XXXX, there will be no changes to my mortgage policy with NewRez LLC. Nevertheless, NewRez rather started billing various inaccurate statements with increased payments monthly even though my mortgage was at a fixed rate. The Monthly statements are attached for your verification. 
3. I contacted NewRez LLC several times to make my complaints, but to no avail. Afterwards, I wrote an official complaint letter to the company, but received a response stating my assigned mortgage company is located in New York and should be the correspondent to contact. Refer to the attached letter for your verification. Initially, I was never aware of NewRez LLC because I never requested the mortgage company to take over my mortgage policy from XXXX XXXX XXXX, and neither have I requested a loan from NewRez LLC. I am currently paying the supposed amount of {$1100.00} monthly mortgage after NewRez LLC received the escrow shortage of {$270.00} paid to the company on XX/XX/XXXX, which took effect in XX/XX/XXXX. 
4. The following documents are available for your verifications : a. XXXX XXXX Annual Escrow Disclosure Statement b. Copy of check for escrow shortage issued to NewRez LLC in the amount of {$270.00} c. XXXX XXXX XXXX notice of service transfer d. Transfer notification letter from NewRez LLC Mortgage e. NewRez LLC reply letter f. Complaint letter to NewRez LLC mortgage company. 
g. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} h. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} i. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} j. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} k. NewRez LLC mortgage statements for XX/XX/XXXX - {$1100.00} I  had a fixed rate and yet my mortgage statement is changing increasingly every month. I only have few years left to pay off my mortgage. But NewRez LLC is rather breaching my mortgage agreement policy by wrongfully increasing my payment rates in order not to have any other choice but to refinance my mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: GA

Complaint narrative:
XXXX  ... .XXXX ... AND TRANSUNION are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX XXXX LIMIT IS {$5000.00} XXXX XXXX XXXX LIMIT IS {$3000.00} XXXX XXXX XXXX LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!

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 2020-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  ... .EQUIFAX XXXX AND XXXX are failing to report revolving accounts that belong to me ... ..they actually removed them and my score fell significantly ... I am attaching proof that all these cards belong to me and should be being reported to all 3 bureaus! 

XXXX XXXX CARD LIMIT IS {$5000.00} XXXX XXXX CARD LIMIT IS {$3000.00} XXXX REWARDS CARD LIMIT IS {$4000.00} XXXX XXXX XXXX XXXX IS {$12000.00} these cards really benefit my overall usage and my credit worthiness and by the credit bureaus removing the cards ... ..my credit score dropped significantly ... .please add these cards back to my credit file immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-06-16 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I recently found out that TransUnion had filed some criminal charges under my consumer file. At first I thought it was only one because last year I had this same issue with another background check services company. Then I was told by a TransUnion representative that there were actually more than one criminal and public records tied to my consumer file. I asked them  for a disclosure of said criminal and public records expecting them to be a case of mistaken identity because I was reassured by the TransUnion representative that they conducted thorough investigations and used several identifiers to select the criminal records. 

However, when I reviewed the disclosure I found that most of these criminal records do not have sufficient pertinent information on them to where these representatives can make a valid judgment on whether or not to place these under my consumer file. I realize that I have a common name and that complicates this process, but there should be standards when it comes to issues like these because people 's lives are at stake. Now I know why I have been having a difficult time finding a decent job since I left the XXXX. It's because companies like TransUnion are not doing their due diligence when conducting their investigations. 

I have a copy of the disclosure that I am willing to provide to back up this complaint. I believe that TransUnion is culpable of negligence when it comes to conducting proper background investigations. They are basing their research on insufficient identifying information, and when they encounter a consumer profile with a common name, their representatives are, either out of neglect or laziness, dumping unwarranted criminal records onto said consumer profiles. 

Very respectfully, The 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 non-monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing this due to non-compliance with the CRA Transunion. 

They have failed to remove information that was affiliated with personal identifiers that were challenged and removed in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

The accounts are listed below : US Department of Education, Acct # XXXX DEPTEDXXXX, Acct # 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 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020, I sent the sum of {$3000.00} through chase quick pay to a friend of mine and later realized it went to a different person. I contacted my bank to help get a reversal, but the shocked response was " there's nothing we can do about it, just let it go '' or contact the recipient to request for your money. I contacted the recipient, but he hanged up my call and blocked my number. I decided to call the coperate executive office to file a claim, few days later, I got a call from chase bank that they can't help me because they didn't see it as fraud. 
The bank knows the right thing to do to recover my money, but it seems they have favorite customers. XXXX told me that my bank could get my money back, but my bank is refusing to file a claim with the recipient bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Synchrony Bank, dated XX/XX/XXXX regarding my DISCOUNT TIRE/SYNCHRONY CAR CARE account ending in XXXX. Basically it stated After a review of your account, Synchrony Bank has decided to close your account. Their decision was based in part on a credit scoring system that was used to PREDICT MY CREDITWORTHINESS. It states the reasons also indicate the CREDIT CHARACTERISTICS that I dont score well. *Lack of Real Estate Secured Loan information * Too many Revolving Accounts with high balance compared to credit limit * Too many Bankcards with high balance compared to credit limit * Too many Recent Delinquencies. That account was opened in XX/XX/XXXX, the payment status was CURRENT and the last payment made was on XX/XX/XXXX for {$47.00}. Im not sure WHY or WHAT the reason for closing that account when it wasnt delinquent, over the balance or late in payments. To close the account because I dont have Real Estate, or high balances or any other excuses given was very discriminatory. When I called the company on XX/XX/XXXX to get a better understanding of their reasons for closing the account, a customer service representative said it was a decision from XXXX, and I would need to contact them. I have On Time payments with my credit card accounts, with the exception of 1 closed DISPUTED account, and for SYNCHRONY BANK to label me as Too Many Delinquency .. PROVE THAT TO ME, CHECK MY PAYMENT HISTORY and NO, I DONT OWN ANY REAL ESTATE but does that disqualify me from having credit cards? DISCOUNT TIRE/SYNCHRONY BANK seems to think so.

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 2020-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2020-06-16 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: TX

Complaint narrative:
XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
XXXX XXXX made a mistake. My account was never late. Yet my report still shows two 30-day delinquency payments. They submitted two letters to the credit bureaus, and each time, the letter was insufficient. XXXX XXXX has told me over the phone multiple times that it is their fault that the delinquency is shown, yet they still have not fixed the issue. It is their responsibility for messing up my credit and they need to take responsibility and be held accountable for this. They state that they can only do so much, yet this is a very serious issue. They are not doing enough and the credit bureaus are also at fault for the inability for me to talk to someone over the phone. A simple letter submission is clearly insufficient if XXXX XXXX can't clearly communicate the issue, show fault, and resolve the issue. This is unacceptable all around and needs to be remediated immediately.

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 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage was sold to Loancare sometime between XXXX of 2019. XXXX, my previous company, went bankrupt and I was dumped into this company. Almost immediately, my escrow payments increased XXXX a month, for what the company said were " under payments ''. I provided documentation to them that stated my taxes had no been raised enough to constitute that much an increase, and my homeowners insurance hadn't either. No one cared and they stated that they would re-evaluate it in 6 months. I couldn't afford to pay this, so I missed payments and my credit was deeply affected. Every time I would call, I would get a different person with a different answer or different explanation. No one cared, no one helped and no one would look into things. I asked for a supervisor, but never got one. Just transferred to their department. I was forced into taking a loan modification to avoid foreclosure. All along, my credit suffered even more. It is now in the low XXXX 's and will be years before it's turned around. 

On a side note, there a thousands of reviews online of this company, the overwhelmingly vast majority are negative. They seem to all be about escrow issues and no one can get any answers.

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Pnc has made it difficult to link to outside financial firms. As this is standard practice it makes it appear that they are attempting to prevent transfers out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: OK

Complaint narrative:
Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( co
py of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2020-06-16 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: OK

Complaint narrative:
Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is  hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law.

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Debt was paid in the amount XXXX. Please remove from credit report

Company response to consumer: Closed with explanation