vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-02-14 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: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
on XXXX XXXX 2022 I sent a letter to Transunion and on XX/XX/2022 they sent a letter stating the letter was from a third party credit repair agency and the letter was directly from me. There needs to be an investigation into these accounts that are listed on the letter and the accounts need to be removed along with all inquires not tied to a open account. i refused to contine to allow my credit to suffer for the mistakes and FCRA violations that transunion refuses to correct.

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 2022-02-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted XXXX and Equifax and informed them that there were fradualant inquires on my credit report. The bureau 's and fraudalant inquires are as follows : XXXX- XXXX : Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX XXXX- Inquiry Date : XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX Inquiry DateXXXX Equifax- XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX, a representative with Columbia Debt recover dba as Genesis, to discuss an attempt for debt collection. XXXX XXXX explained that the balance due was from an apartment community I had lived in. I requested documentation of said charges. Which he provided. I explained that the balance was erroneous and I did not owe any debt. From XXXX through XX/XX/XXXX I have received different documents stating different balances. Two documents are in the same form but with major inconsistencies. One document is signed by the community manager from the leasing office. My balance due on that documents is {$13.00}. The other document states a balance of {$860.00}. That document is not signed. I have emailed Columbia Debt Recovery in an effort to resolve this issue. But they have failed to return my calls or emails. This debt has been reported on my XXXX credit report. 

I can provide documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
Our loan is with XXXX XXXX Bank. We were on Covid impacted forebearance from XXXX 2021 through XX/XX/2021 for a total of 9 months. 
We were approved for the XXXX payment deferral at the end of our forebearance of 9 months. 
However, XXXX did not calculate the the XXXX XXXX XXXX accurately. On my monthly statements, the amount of the interest bearing XXXX is actually the XXXX XXXX. This means I now, per XXXX of PA, owe them the forebeared amount as well as the Gross XXXX so I am paying my suspended payments twice instead of once at the end of the loan. The amount of XXXX on the first statement after our foreberance ended is actually the forebeared XXXX plus the interest bearing XXXX. Furthermore, because the forebeared XXXX has been added to my interesting bearing XXXX, interest is accruing on the incorrect amount, and the amortization is not the way it should be and my excess to principal monthly from my monthly payments since XXXX XXXX through XXXX XXXX has been calculated incorrectly. 

I have attached my account activity from - - please see the calculations- and you will see the forebeared amount being added to XXXX and then subtracted again. On my statements, you will the XXXX is actually the gross XXXX and the forebeared amount a couple of lines below - reflected that I owe both. My unpaid principal balance when I went on forebearance was {$95000.00} ( attached XXXX 2021 statement ). XXXX ended XX/XX/2021. We were off forebearance and were approved for Covid payment deferral - I made our first payment after forebearance ( {$820.00} on XXXX ) and after principal was deducted from that payment, the XXXX is {$95000.00} - which is actually the Gross UPB of {$95000.00} ( not the XXXX XXXX XXXX ) minus principal from the XXXX payment of {$140.00} ( also attached ) At this point, I am not even sure that the escrow shortage amount I paid in XXXX 2021 ( XXXX ) and my forebeared amount are accurate and/or have been calculated and credited accurately. 
XXXX of PA needs to recalculate all of the amounts ( forebearance XXXX, Gross UPB, escrow shortage, escrow owed, what and how what I paid has been credited or applied ) provide me with the amortization to review amount of forebearance. There are many calculations, debits, and credits that don't make sense. 

I have attached the activity on my account and you can see the where they added a forebearance amount to the Gross UPB then subtracted it and determined that result to be the XXXX. A lot of the calculations don't make sense- so I am also concerned regarding calculations of all amounts. I would like to provided the amortization schedule and have all amounts reviewed with me as they are recalculated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Management continues to Service Loan with incorrect figures, balances, fees, etc. that are a breach of contract while US Bank XXXX XXXX for XXXX XXXX XXXX 2016 has been able to use their false certified system to get a Foreclosure Judgement. 

This QWR request sent to Rushmore that must be answered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WY

Complaint narrative:
On XX/XX/XXXX I paid in full the loan amount Citizens Pay loned me for {$880.00}. It was for an XXXX XXXX XXXX with All Access. I called close my account about a week afterwards so as not have excess credit lines effecting my credit score. The representative informed me I must wait 30 days until I can close the account. I called back tonight ( XX/XX/XXXX ) and was told I need to wait 90-150 days before my account will close automatically, and they are unable to manually close the account. XXXX is the phone number in their Terms and Service Agreement under section " # 19 Closing Your Account '' subsection " b ''. A link to their terms is here... 

https : XXXX XXXX in their terms state they are unable to close my account when requested by the creditor. I believe what they are doing is against the law. In my opinion they are holding my credit line hostage ( {$2500.00} ) and disabling me from keeping a high credit score, and disrupting further credit lines from other creditors. I've paid them in full! I want them to close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 2022-02-14 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: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-14 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: GA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I originally fell behind to medical issues that led to unexpected doctor bills and caused financial hardship. I have been trying to work with the lender to obtain a loan modification without success they state I do not qualify and I have resolved issues by increasing income and still state the same reason. Thereafter filed for a Chapter XXXX bankruptcy to try to reorganize the debt and thereafter the lender opposed the bankruptcy and caused to not go forward. In every attempt I have made to save the home they have made me fall further behind by not assisting my situation. Further they finally offered a modification making payments of close to XXXX and I made the XXXX trial payments and thereafter the modification was cancelled because they state I did not return the documents which I did not receive. I am desperate and frustrated and my health is being affected from all the stress this issues has caused. I have looked into filing a Wrongful Foreclosure lawsuit but at the moment can not afford an attorney and just want to save the home. Also this issue also started when servicers change and amount of debt increased without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I called the collection agency on Wednesday XX/XX/2021. I asked them what it was for and they stated that it was for a XXXX electricity bill. I told them that the amount was not {$330.00}. I have proof that the amount should only be {$290.00}. They sent me a letter stating that the amount XXXX sent to collections was {$330.00}. By doing so they are hereby violating the FDCPA.

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 2022-02-14 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: GA

Complaint narrative:
I checked my credit report when I was declined for a credit card last yearXXXX and this year, XXXX and came to learn that I became a victim ofIdentity Theft. I can remember that I tried to get a loan through an online service in XX/XX/XXXX and before this time, and I suspected that as a scam. I believe that at that time they stole my personal information and used it to open multiple accounts and did inquiry also. I am listing them below, which are not authorized by me. Also, I have done a police report and fi led a complaint because I wanted to ensure that I was not liable for these fraudulent activities and wanted to ensure that these fraudulent account listed in the police report and Identity Theft Report are blocked from my credit report with Equifax, XXXX and XXXXThe Fraudulent Accounts Include : XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX XXXXAccount Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX/DEP OF ED-Account Number XXXX XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX, AND XXXXXXXX XXXX XXXX-Account Number : XXXX, ( DATE OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report when I was declined for a credit card last yearXXXX and this year, XXXX and came to learn that I became a victim ofIdentity Theft. I can remember that I tried to get a loan through an online service in XX/XX/XXXX and before this time, and I suspected that as a scam. I believe that at that time they stole my personal information and used it to open multiple accounts and did inquiry also. I am listing them below, which are not authorized by me. Also, I have done a police report and fi led a complaint because I wanted to ensure that I was not liable for these fraudulent activities and wanted to ensure that these fraudulent account listed in the police report and Identity Theft Report are blocked from my credit report with XXXX, Experian and XXXXThe Fraudulent Accounts Include : XXXX XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX/DEP OF ED-Account Number XXXX XXXX ( DATE OPENED : XX/XX/XXXX ), XXXX-Account Number : XXXX ( DATE OPENED : XX/XX/XXXX, AND XXXX XXXX XXXX-Account Number : XXXX, ( DATE OPENED : XX/XX/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 non-monetary relief