vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 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: AZ

Complaint narrative:
I was unemployed due to XXXX XX/XX/2020. 

On XX/XX/XXXX, I asked XXXX XXXX XXXX for a forbearance. It was granted XX/XX/XXXX. They said it would be for 3 months - XXXX, XXXX, and XXXX. 

I obtained employment in XXXX. I made a payment for XXXX, on XX/XX/XXXX. I called XXXX XXXX to let them know I was ready to resume my payments on both my mortgage and HELOC. I also made a payment for XX/XX/XXXX on The HELOC. 
They have charged late payments XXXX XXXX XXXX and XXXX. 
I was told it would take 60 days for me to be removed from the forbearance. I aske and called repeatedly trying to figure out what was going on. I was told my XXXX payments were applied to my XXXX payments. When I was given the forbearance I was told the months of XXXX, XXXX, and XXXX would be applied to back of my loan. Instead, they have reported me late on both accounts every months since XXXX and continue to report me late. 
I made a payment XX/XX/XXXX and they applied that payment to XXXX instead of XXXX. Still reporting me late two months and will not acknowledge the forbearance I was granted. I believe they are trying to force me into foreclosure. As a senior, I feel I've been duped. 
I have called over and over and no one will correct 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 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX, I closed on my home. 
Included in the closing, I paid {$5700.00} into my escrow, as indicated on Page 12, Section G " Initial Escrow Payment at Closing '', under " Other Costs '' of my closing packet attached. 

My first payment of {$3900.00} was due on XX/XX/XXXX, and cleared my account on XX/XX/XXXX. 

On XX/XX/XXXX, my loan servicing was transferred to Nationstar dba Mr. Cooper ( effective XX/XX/XXXX ), and my initial payment, which was paid to the original lender, XXXX XXXX XXXX XXXX XXXX, was forwarded to them. 

Upon receipt of information regarding my Mr. Cooper account, as evidenced by my first statement, dated XX/XX/XXXX - My Escrow Account contained {$7300.00}, which was the {$5700.00} + the Escrow portion of my first payment ( paid to XXXX  ) of {$1600.00}. 

Each subsequent payment was made on time, and included {$1600.00}, and on XX/XX/XXXX, a XXXX XXXX payment was disbursed by the Escrow account, appropriately, in the amount of {$6600.00}. 

My XXXX statement, dated XX/XX/XXXX took this disbursement into account, and the payments from XXXX, XXXX, XXXX, and XXXX, and indicated an Escrow Balance of {$5400.00}, which was appropriate. 

On XX/XX/XXXX, Mr. Cooper " adjusted '' my escrow account, deducting {$5700.00}, which I paid in at closing, claiming that the payment from XXXX  to Mr.Cooper bounced. 

Upon reaching out to Guaranteed Rate, I was able to get information about the wire which contained this amount - A wire was sent on XX/XX/XXXX for {$40000.00} from XXXX  to Nationstar ( Mr. Cooper ), with the wire # of XXXX. My portion of this wire ( which was a bulk payment of multiple account escrow ), was {$7300.00}. {$5700.00} plus the first payment 's Escrow portion of {$1600.00}, as noted previously. 

I have reached out to Mr. Cooper and XXXX  XXXX  several times since then, trying to recover my missing {$5700.00}. Mr. Cooper 's claim is that the wire " bounced '', which doesn't wash because the initial payment 's {$1600.00} was not adjusted out of my escrow account. 

I have called Mr. Cooper nearly daily since XX/XX/XXXX- it is now XX/XX/XXXX. I have done the legwork for them to get the wire info from XXXX  XXXX. I have records of all of *my* payments, which, to me, indicate that I have done the proper things and this is not *my* problem, but an accounting problem that Mr. Cooper should resolve without affecting my account. 

This {$5700.00} is my escrow money and needs to be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: CA

Complaint narrative:
I want to file a complaint against Citibank MasterCard regarding the application of my payment. They received my payment on the XXXX of XXXX for {$600.00}, cleared my bank next day. On Friday XXXX, the payment still had not been applied. I asked how long, did not get an answer. I asked for a supervisor. Supervisor stated, AND I XXXX " the reason they are waiting to apply it is because you were late once in a payment ''XXXX XXXX They confirmed they received it, yet are, waiting to apply because I was late years ago, ONCE IN 15 YEARS??? This is not right! They are purposely holding the payment to charge more interest which is illegal. Another example, last month same issue. I made my payment the same time of the month last month, yet it was not applied until the first of the following month, NEARLY 2 WEEKS LATER!!! Something needs to be done about this! This is not fair or legal! Id understand if the payment was late, but it was actually EARLY! They are punishing me, and most likely others, with the assinign excuse that I was late on ONE PAYMENT IN 15 YEARS!! THIS IS 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 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
Good Morning, This debt has been settled and paid multiple times. However XXXX XXXX  XXXX  XXXX continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Good Morning, This debt has been settled and paid multiple times. However XXXX  XXXX  and XXXX  continues this fraudulent behavior. I have tried contacting them, along with Equifax. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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:
I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to XXXX, Transunion and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) ( XXXX ), XXXX  XXXX  XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  XXXX ( Original Creditor : XXXX  XXXX  ) ( XXXX ) Please have the Transunion, XXXX and XXXX delete these items from my credit report 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 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
My property includes two permitted houses : one a manufactured home, and one stick-built. I bought the property in 2003, living in one unit and renting the other. For the past five years, I have been trying to refinance my original loan, but in spite of excellent credit, etc., I am being prevented from taking advantage of low interest rate refinancing. 

I had no problem getting my original loan, but now all loan brokers turn me down, because XXXX and XXXX do not have a " guideline '' for lending to this type of property. They have a " guideline '' for residential property with two manufactured homes, a " guideline '' for two stick-built homes, but no " guideline '' for a property with one of each. 

I have tried to contact XXXX and XXXX but did not get very far. One broker even lodged a request with XXXX and XXXX to develop such a guideline. She said that there have been multiple requests for this action over the past few years, with no results. 

I have no idea how else to pressure the agencies to resolve this issue, but I am extremely frustrated at being stuck in a higher interest rate loan, and not being able to secure a refinance or a HELOC, especially as I near retirement age.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
I am distraught that Equifax has incorrectly reported my payments to XXXX  for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Equifax several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Equifax to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to Equifax, XXXX and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) ( XXXX ), XXXX  XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  ACCOUNTS ( Original Creditor : XXXX XXXX  ) ( XXXX ) Please have the XXXX, XXXX and Equifax delete these items from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: MD

Complaint narrative:
Under the FCRA, Trident asset Management and XXXX have violated my rights. 
The FCRA have laws that are in place to protect my rights as a consumer. After a carefully review of my credit report, I noticed a collection account from Trident Asset Management. This collection account is in connection with The XXXX XXXX XXXX, XXXX. As a consumer I have the right to dispute, request debt validation and method of verification. A debt validation was sent to Trident asset Management and this company fail to respond. A method of verification was sent to XXXX and the credit reporting agency fail to respond with the method of verification. The FCRA have laws in place to protect my rights as a consumer. The failurs of Trident Asset Management and XXXX are serious violations of my rights and a clear disregard for federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
I am distraught that Transunion has incorrectly reported my payments to XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have written to Transunion several times for that incorrect information to be removed and to no avail, they neglect my request. And now, I suffer with such negative information showing on my credit report and thus presenting a horrible score that prevents me from growing financially. Consider this complaint as a formal request for removal of the referenced inaccurate information. I have attached PROOF that I paid XXXX  for each month referenced above and I expect Transunion to change the payment status for the XXXX credit card account to Current, never late. I highlighted the proof for easier understanding.

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 2021-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
The debt that was owned by LVNV Funding was sold to XXXX XXXX and the collection that LVNV used to own still appears in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX & XXXX XXXX were not authorized to pull my credit and have yet to send me proof that I approved a credit pull. This hard pull remains on my Equifax Credit Bureau Report as of XXXX XXXX  CT on XX/XX/21, which is 51 days from XX/XX/21. After many disputes, why has the XXXX XXXX XXXX XXXX XX/XX/21 hard credit pull not been removed? No evidence such as a voice recording, email, or other legal means proves that I authorized the credit pull. Would you please do a full investigation and send me the results? See attachments for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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 is incorrect
Company: Resolve Partners, LLC
State: GA

Complaint narrative:
I applied for an apartment and they used a Credit background agency Ive never heard of, RESOLVE and while inspecting the information I see several issues that are out dated, addresses I never lived at, account that are reported erroneous, I had a Idenity Thief case several Years ago. and I sometimes see issues that the people used to gain some kind of use. 1 ) there are many different name variations, I did not spell my name any different ways other than I use it. Because of this I was denied a Place to live. I have no Rental or Utility Companies default, I am widowed and worked to rebuild my self and I see companies like this looking to create bad reports. My issues are the many errors reported 2 ) XXXX XXXX ( XXXX ) This item was a mail order TV trial which the original was paid.. I did not like the makeup and returned the package..But the company instead resent more, Telling me to keep it then sent a XXXX. I complained and they would not resolve the issue.. Thats why they no longer sell the products via TV, because that was not real according to their Ad. I have challenged it and than no one has ever taken the complaint serious.. also they added more fee. 
3 ) I never ordered from XXXX XXXX but yet they keep insisting I did. Ive filed complaints of Not my account all they send is a copy of a order. 
4 XXXX XXXX  XXXX XXXX  XXXX I had two  separate credit card accounts I had one and Paid it off before it was delinquent. I need them to send the evidence of two accounts two separate signatures for 2 accounts and the evidence that their BAD business practices did not cause delinquency. 5 ) Metadate Be removed as it is paid, I wanted it removed since it is satisfied. 6 ) Web Fingerhut is 7 years old reporting. past credit reporting time 8 ) XXXX XXXX is over 7 years reporting and was deleted from other Credit Reporting agencies ( XXXX XXXX ) 8 ) As stated I did not use various forms of my name. 9 ) The many Phone number are not mines directly but of possibly others around Me. 10 ) I lived in New York until XXXX  Period!! Never lived in these addresses XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA, XXXX XXXX, NY in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FCC Grand. I have never had any background screening company report such information that is so erroneous. I have worked for Government Agencies, Federal Level and none of those very detailed Background Check company created the most Harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TX

Complaint narrative:
I called XXXX in reference to them reporting the payment history on the account due to receiving correspondence from Equifax and XXXX saying that they could not locate a credit file for me. I spoke with a rep from XXXX XX/XX/2021 around XXXX XXXX  CST. They pulled my record and said that within 48 hours I would be contacted due to my issue. I was told they report your payment history to the credit bureaus at the end of every month. The rep could not understand why I was having this issue of not having a credit file. She said I have been paying for two years, no late payments, payment history is excellent according to their website. So how do their reasons apply to me as far as not having actively used credit in the past ten years, have not applied for credit recently or have not lived in the United States or have not been issued a U.S. Social Security Number. 

This is outrageous because I just pulled my credit scores on XX/XX/2021 showing the balance for car payments from XXXX on XXXX website. So far I have not received anything from XXXX yet, but if I do I will upload that correspondence information also. 

I did not try to fix this issue because I just found out about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TN

Complaint narrative:
I have an XXXX XXXX account, which provides members with their FICO score. I continuously monitor my credit from this and other sources. A few days ago, I saw that my score went down almost XXXX points on the XXXX app, so I contacted XXXX XXXX XXXX and viewed my reports. Experian shows a XXXX account from XXXX reported XX/XX/XXXX as delinquent by over {$5000.00} in XXXX. I had a Chapter XXXX bankruptcy in XXXX, this account was on it. This should never have been allowed to be placed on my credit report as it was included in the bankruptcy, the account was not within the last 7 years and I believe I should have been contacted when it was reported. I have tried calling Experian and can not get to a person, tried their online dispute tool several times. I am unable to complete my dispute, the website keeps timing me out. Now the account I created says I have the wrong user name and password that I had just created minutes ago. I have maintained perfect credit since XXXX and I am proud of my record and my scores. I would like this to be removed and Experian should be investigated. Neither of the other two bureaus have this issue. 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 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
In XXXX I applied for a modification of my mortgage for two reasons. I was divorced and needed to remove my ex-wife name from the loan and I needed assistance with a lower mortgage payment. When I contacted Ocwen, I notified them of what was needed per the court order. The informed me to send in my divorce decree in which I did. Once they received the documents and reviewed them, I was approved for the modification. The modification documents were sent to me in the mail and I was the only person to sign the new loan documents. 

In XXXX my loan was transferred to PHH Mortgage and the payoff/transfer showed on my ex-wife credit which alerted me to her name still attached to my mortgage. I contacted PHH and they are telling me that the modification did not remove her from the debt. 

The main reason for the modification was because of the divorce and I was told her name would not be attached. I am now being asked to sale the house because I could possibly be in violation of a court order in which I did what I was supposed to do. 

I just need the mortgage company to make me the only guarantee on the loan and remove her name. With her name on the account, she has access to ask any questions and review any documents at this time. I have not been able to resolve this after several conversations with people overseas.

Company response to consumer: Closed with explanation