vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, we applied for a loan modification through our loan servicer which is Loancare. Our loan number is XXXX. We made our trial payments and the permanent modification documents were sent to us in XX/XX/XXXX. We signed and returned them on XX/XX/XXXX. Loancare received and stamped them on XX/XX/XXXX by XXXX XXXX. 

On XX/XX/XXXX, the Order Granting Motion to Approve Permanent Modification was granted ( See attached ) On XX/XX/XXXX, I called Loss Mitigation ( spoke with XXXX at XXXX ) as our billing was still showing that we weren't modified and we were showing past due. She told me to send all supporting documentation to the loss mitigation email address she gave me and I did so at XXXX XXXX. 

On XX/XX/XXXX, I emailed a follow up and copied my attorney asking for all of the information to be updated, late payment fees to be removed, payments to be allocated correctly with the correct interest rate and payment as per the modification, escrow to be adjusted and the like. No response to that either. 

On XX/XX/XXXX, my attorney sent a certified letter stating that this all needed to be corrected. ( see attached letter ). We received a confirmation letter back stating it would be completed On XX/XX/XXXX, I got a printout from Loancare to see if anything had been done to adjust and nothing had. 

On XX/XX/XXXX, I asked for another loan printout to see if it had been corrected and again, nothing. 

XX/XX/XXXX was the 30 days ( excluding the holidays and weekends ) to get it corrected. 

On XX/XX/XXXX, I called and talked to XXXX who stated that XXXX ( the closer ) still hadn't gotten it corrected and didn't know why it was going on so long. She tried to reach out to XXXX but she didn't answer. I asked her to escalate this to resolution. XXXX stated that she was going to send an email to her own supervisor to get to the closing supervisor. Given that no one has corrected to date, I don't have much faith that this is going to be handled anyway. 

We are selling our home and we close on XX/XX/XXXX. We have paid all of our mortgage payments. It is imperative that the interest rate, payments, escrow, and late fees all be corrected ASAP so as to not cause any further issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
On XX/XX/20 our mortgage refinance was transferred from XXXX XXXX in Virginia to AmeriHome Mortgage. The first payment was due XX/XX/20. Between the time of closing and the first payment was due, our flood insurance dropped by {$1000.00} per year. I called AmeriHome and spoke with XXXX. She told me she would make a request for and escrow analysis. She said it could be accepted or denied. She said it would lower the amount of the monthly mortgage payment. She said we would hear by XXXX in a call or a letter. She strategized with us to figure out how long we could wait to hear back from the analysis before our payment would be late. Having heard nothing from AmeriHome, on XX/XX/20 I called again and spoke with XXXX. He informed me that he could not find an escrow analysis request. He said he would make a request. He said the late date is the XXXX of the month. I said my mortgage statement says after the XXXX is late. To date we have not heard from AmeriHome about the escrow analysis. I received a letter from AmeriHome on XX/XX/20 saying AmeriHome had not received any payment on the mortgage. I placed a call to AmeriHome and waited 30 mins twice. During the call an automated voice told me that only one payment was due on XX/XX/20. And that an property tax payment was pending. So we assumed that the company had received the first payment. So, we would like some help with this company. We believe our mortgage payment should be adjusted. Thank you, Sincerely ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and Transunion. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include 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 2020-11-02 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:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, Equifax and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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:
Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, Experian, XXXX and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include 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 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account has been defrauded/ scammed by means of bad checks that I had received. Upon calling Wells Fargo the first time I noticed the checks were placed on a hold about 5 days after funds were made available to me. Not once was I sent an email or letter via mail notifying me of why they were placed on a hold. I was told by the representative to wait it out and the funds should be available by XX/XX/XXXX. That felt suspicious. I decided to take initiative and file 3 claims on XX/XX/2020 to dispute multiple transactions as well as file a case for fraud. After making multiple attempts to contact Wells Fargo, each representative tells me something different and eventually ends up hanging up the phone so my issue can not be resolved. I was scammed by being sent bad checks then being asked to forward that money to a relative in need. This scam is ongoing and very prevalent during this pandemic. Wells Fargo has denied two of my claims so far, and are trying to make me responsible for the fact that I WAS SCAMMED. After nearly 10 years of banking with this company and never having this issue prior, this is how they choose to take care of their customers : by allowing them to be scammed and defrauded to make me responsible for money that was never in my hands in the first place. I want my claims to be resolved in my favor, as they should be. I should not be made responsible for someone who chose to fraudulently write checks, especially when my bank failed to notify ME of this suspicious activity or possible fraudulent checks.

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 2020-11-02 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: U.S. BANCORP
State: CA

Complaint narrative:
Upon checking my consumer credit reports on XX/XX/2020, I discovered that my Comerica Visa account XXXX Account was marked with a 30-day late payment on all major credit bureaus for the month of XX/XX/2020. I immediately contacted Elan Financial to speak with their representatives on the matter and was told I had to write a letter to their credit dispute department. My account was current for XX/XX/2020, I also placed my account in a deferment to avoid any further impacts to my credit during COVID-19. I disputed the 30-day late information in a letter written and mailed directly to the Data Furnisher Comerica Visa account XXXX on XX/XX/2020 to address my concerns. I discovered that my Comerica Visa account XXXX account was notated with the AW - Natural or Declared Disaster Code with all major credit bureaus as a result of COVID-19. Upon the code being added, the negative information on my account. I immediately called Comerica customer service back to ask what the code meant and how it would impact my credit because I was confused by what was happening. I was told by Comerica customer service that my account would not be impacted and it was a notation only because I had deferred my account payments. At this point I thought my dispute had been resolved and everything was fine, meanwhile I did not know my rights were being violated. In response to my credit dispute letter, Comerica customer service explained that they understood I was having difficulty. Meanwhile, my credit score dropped 45 points and my Comerica Visa account XXXX account reverted back to a negative status leaving me even more confused as to what was going on. At this point I managed to do a significant amount of research on my consumer protection rights and realized that my rights had been violated. And according to the [ Consumer Data Industry Association Credit Reporting Resource Guide FAQ 58 ], reporting on an account affected by a Natural or Declared Disaster should not have any record of delinquency or negative information reported during the period of which a Natural or Declared Disaster exists.

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 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have been cancelled on my home owners insurance, which under my conventional loan/policy I must have on my property. My Homeowners insurance is through XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX Telephone : XXXX ). The bill was supposed to have been paid on XX/XX/2020 in the amount of {$2500.00}, and the lender, US Bank Home Mortgage ( U.S. Bank Home Mortgage, XXXX. XXXX XXXX, XXXX, MN XXXX XXXX : XXXX XXXX, who handles the escrow, failed to pay. I have contacted them on multiple occasions, one date being XX/XX/2020 where they verbally told me via the phone that they had written a check # XXXX and that it was getting mailed via USPS tracking : XXXX, and that it was going to be over nighted. After following up with my home owners insurance XXXX XXXX XXXX XXXX one week later on XX/XX/XXXX, they still had not received it. I then followed up on XX/XX/XXXX with XXXX XXXX, and they stated they still did not have it. At this point I am baffled and feel stuck that there is nothing I can do. US Bank still continues to tell me that they sent the payment. At this point XXXX told me on XX/XX/XXXX that if they don't have it, it likely was not sent.

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 2020-11-02 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: TX

Complaint narrative:
I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted XXXX law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation