vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PIKE CREEK MORTGAGE SERVICES
State: FL

Complaint narrative:
I recently closed on a new mortgage with Pike Creek Mortgage Services , Inc. ( XXXX XXXX XXXX XXXX, DE XXXX ) on XX/XX/2020. The mortgage was set up with an escrow account to pay both taxes and insurance. On XX/XX/2020 I received a letter from the county my property resides in that the 2020 taxes ( {$9700.00} due XX/XX/2020 ) were never paid. I immediately called Pike Creek on XX/XX/2020 and was told by an agent that the initial escrow account was not funded with enough funds to cover 2020 taxes. If they were to pay the tax bill i would have an escrow shortage. After multiple calls and correspondence in writing latest dated XX/XX/2020 the tax bill is still outstanding. This error at origination and subsequent negligence by the servicer has caused undue hardship and will ultimately cause me to have to pay a higher monthly payment to cover this shortage.

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XXXX I've sent disputes regarding to those unknown and inaccurate account I found on my credit report. but, It's 60 Days now I haven't received any response. I'm a victim of Equifax Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I started a VA refinance loan. The agent XXXX XXXX XXXX XXXX told me to complete an appraisal the same day I started an application. After sending to the actuary, the agent informed me I would need to complete a conventional loan. After purchasing the appraisal, the appraisal company informed me an appraisal was not needed and if I purchased, it would be refunded at closing. I contacted the Cardinal ( from whom I purchased the appraisal ) and they informed me it would be refunded pending " project manager approval ''. The project manager is the supervisor of the agent XXXX named XXXX XXXX. 1 ) XXXX and Cardinal violated Equal Credit Opportunity Act, Reg B by failing to provide a copy of the appraisal. 2 XXXX XXXX and Cardinal also violated Truth in Lending Act, Reg Z by failing to disclose costs ahead of making changes to terms. 3 XXXX XXXX and Cardinal further violated Truth in Lending Act, Reg Z by failing to inform in a timely manner the type of loan and costs associated. 4 ) XXXX violated the Real Estate Settlement Procedures Act through the use of a kickback by allowing the borrow to prematurely purchase an appraisal, fully knowing Cardinal will not release funds without a supervisor 's approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: NY

Complaint narrative:
I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.

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 2021-01-08 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: NY

Complaint narrative:
I have disputed these accounts that are affecting me and I still have no response, I also have inquiries from 2018 and other unauthorized ones.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/21 XXXX recieved a call from XXXX ( XXXX ) XXXX robot advertising reduction in visa interest rate ( not from my bank or any named bank but from XXXX fl ) and I could hear someone answer over the robot, then get quiet and heard messaging over XXXX , I ignored the prompt and said I can hear your XXXX messenger in the background and they hung up on me quickly after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: ONY GLO, INC.
State: CA

Complaint narrative:
We fell behind on our mortgage, we received letters from our lender, we filed modification docs. Lender replied we didn't qualify. We contacted XXXX XXXX XXXX XXXX to file a chapter XXXX bankruptcy. we met with XXXX XXXX and explained our hardships and situation regarding health I got an XX/XX/XXXXmy wife recovering from XXXX, diagnosed with clinical XXXX we both lost our jobs. we could only pay 75 % of the retainer fee. XXXX XXXX agreed and replied no worries your in good hands and well get the court to pay the rest. our home was set for sale on XX/XX/XXXX. we hired XXXXXX/XX/XXXX in XXXX. we signed the retainer and where relieved, the explanation given was the courts will lend you the money to pay lender and then you pay the courts. Time passed we kept asking what he needed from us he would reply not to worry hes taking care of it we have plenty of time. we kept asking for court docs. he kept saying not to worry. Well our house was sold on XXXX XXXX, XXXX. We spoke to XXXX to fix it. Nothing it is what it is he replied. Then he has the nerve to say that he could help recover the surplus funds. And wanted us to sign a retainer. We hired a lawyer to stop eviction and to file wrongful foreclosure suit and we have until the XXXX of XXXX XXXX to get out and the lawyer did not do as requested to give notice of a lawsuit pending. And we can't find the lawyer fir the lawsuit they don't answer our call texts or emails. And to top it off we where diagnosed with XXXX, and the judge gave the order to evict by lockout. On a good note I've been doing my research and found that we have a lot of forged documents from our mortgage loan. and realtor agent. And I m looking at the court docs. For they look like they are too. We are at the mercy of human kindness at this point because we are going to be homeless myself and my wife and my XXXX children. Some help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts and inquiries listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Balance {$4600.00} XX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020XX/XX/XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XX/XX/XXXXnquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 XXXXXX/XX/XXXX Inquired on XX/XX/2020 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 2021-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I was charged {$350.00} that I didn't make on my Capital One credit card. When I saw the charge got posted to my account, I immediately disputed the charge with Capital One where they said they will open an investigation and give me a credit for the amount in the time being. On XX/XX/2020, I received a letter saying that their investigation concludes there was no indication of fraud and the charge will be added back to my account. I called Capital One and spoke with them for over an hour telling them that I did not make that transaction at all and I shouldn't have to pay for something I didn't make. They told me that unfortunately their hands are tied and can't do anything about it. 

I was in XXXX for the holidays at the time and I was putting gas in on my last day to re-fill the gas tank of my rental car. When it was time to pay, I handed the worker my credit card where he got possession of my card and went somewhere where I couldn't see him. I believe it was at that time where the worker charged me for that {$350.00} without me knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
( 1 ) On XX/XX/2020, they mailed me a letter ( a copy is attached ) " to ensure [ I ] received a payment check for {$210.00}, as [ their ] records indicate the check has not been cashed ''.

( 2 ) I called them around XXXX XXXX  on XX/XX/2020 and informed them that I have not received the money. I was told that I would received the check within 30 days. However, I did not receive anything ( 3 ) I called them on XX/XX/2020 around XXXX XXXX and they insisted that my check was cashed. This is completely false/lie and I swear that I did not get the check. I asked them for a proof and they told me that they would send it by mail. However, I did not receive anything. I filed a fraud report and they gave me a case # : XXXX. I am supposed to get back from them and I never heard anything back. I feel that they are just wasting my time and want me to get sick and forget. However, this is completely unfair and I believe it is important that my story is published online and people know about it.

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 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I mailed a XXXX dispute to Experian that had supporting documentation proving the collections that they inaccurately and illegally placed on my credit report were unverified and not valid. On XX/XX/2020, using tracking with this USPS, my documents and dispute were delivered to Experian. After realizing that my disputes were not being processed ( didnt get a notification from through their app, which I always do ), I called on XX/XX/2020 to verify if they received the documents. I spoke to a Representative whose name is XXXX, he stated that Experian received the documents on XX/XX/2020 but they are not being processed. I asked why werent they being processed and he could not give me an answer. I then asked to speak with a supervisor. The next person I spoke with, assuming it was supervisor because XXXX placed me hold after I requested to speak with one, also stated that my dispute and attached documents were received on XX/XX/2020 but were not being processed. He then stated that Experian has 3-5 business days to process disputes. I mentioned that the 5th business day would have been XX/XX/2020 and asked why wasnt my dispute being processed. He then told me that was in their mail processing department. I asked when would my disputes be processed and he stated he has no control mail processing. Now, on XX/XX/2020, I called Experian again, this time speaking with a representative named XXXX about my disputes. XXXX then put my on hold to check the status of the disputes. She then arrived back to the phone and stated that Experian does not have the dispute. I then told her about my conversations yesterday with other representatives to which she stated I dont understand why they would tell you that because we have not received any documentation from you. I then asked if those representatives ( the rep and the supervisor ) were giving me the runaround then which she stated yes. XXXX then confirmed that Experian never had my XXXX dispute and that the previous representatives I spoke with LIED to me. I know my dispute was delivered because I have tracking. Also, I know Experian records all conversations so my complaint will be validated. Experian is refusing to investigate my dispute.

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 2021-01-08 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: NC

Complaint narrative:
I have reported and disputed the XXXX XXXX account on report several times. Due to the fact per their contract vehicle was voluntarily surrendered because we was moving out of state. Not because we was in default at any point. In Fact would have kept it and kept paying had we been allowed. We was told to turn it in. We was also told if we provided proof that we actually moved out of state and not just trying to get out of contract, that Balance would be forgiven. We did that!! There is a statement on Report that we did so. Said vehicle was turned in XX/XX/2018. However still reporting late payments. It will come off for a few months then come back on.

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 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Customer Service would not help take care of negative inquiries on credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08 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: TN

Complaint narrative:
My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key factors that adversely affected my Experian credit score : XXXX SERIOUS DELINQUENCY. Note : According to Experian reporting, I have XXXX open accounts, all of which have never been late. Note : According to Experian I have XXXX closed accounts, XXXX XXXX XXXX account paid off XXXX years early when XXXX misreported a late payment in XXXX which I disputed ; XXXX Department of Education Account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX loan closed, having never been late ; XXXX XXXX XXXX XXXX account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and Credit Union and scheduled to drop from reporting in XX/XX/XXXX ; XXXX XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate XXXX for each and scheduled to drop from reporting in XX/XX/XXXX. 
XXXX RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. Note : According to Experian reporting my ratio to limit is 2 % with credit availability of 98 %. 
XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. Note : My ONLY LOAN, a student loan balance is currently {$76.00}, XXXX and I am currently paying no interest, with the balance scheduled for discharge under the Public Service Program. Based on the program criteria, my monthly payment is {$0.00} and will be fully discharged on XX/XX/XXXX. 
XXXX NUMBER OF ACCOUNTS WITH DELINQUENCY. Note : According to Experian, I have no accounts with delinquency. Delinquency is defined as a failure to pay outstanding debt. Neither the XXXX XXXX XXXX XXXX, XXXX, or my student loan are outstanding. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both formally and inexplicably abandoned all right and recourse to their claim, with prejudice, and have no recourse to recovery. My student loan is neither outstanding nor inappropriately high as I am in full compliance with the repayment plan. XXXX TOO MANY INQUIRIES LAST 12 MONTHS. According to Experian, I have XXXX inquiries on my credit report XXXX of which are Mortgage and Rent. The XXXX remaining inquiries are disputed as they were obtained under the premise there would be no hard inquiry or impact to my credit report. As a direct result, they should be stricken.

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 2021-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NH

Complaint narrative:
Continued calls from Sunrise Credit Services , Inc . I do not have an account and have never had an account with Sunrise Credit Services. I have checked my credit reports from all agencies and do not have any entries from Sunrise Credit Services nor do I have any late payments or payments disputes from credit agencies. Sunrise Credit Services contact me on a daily basis despite my having notified them that I am not familiar with their agency and do not have any outstanding debts.

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 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed 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 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid 700s ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed 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