vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-28 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: MI

Complaint narrative:
I HAVE TRIED MORE THAN 3 TIMES TO DISPUTE AN INACCURATE CHAPTER XXXX BANKRUPTCY THAT IS ON MY TRANSUNION CREDIT PROFILE, I HAVE EVEN CONTACTED THIRD PARTY PUBLIC RECORDS REPORTING AGENCIES SUCH AS XXXX AND LXXXX XXXX AND NEITHER OF THEM WERE ABLE TO VERIFY THAT I HAVE A BANKRUPTCY, SO AFTER NOTIFIYING TRANSUNION THAT XXXX WAS NOT ABLE TO VERIFY THE CHAPTER XXXX BANKRUPTCY TRANSUNIONS NEXT CORRESPONDENCE ON HOW THEY VERIFIED THE CHAPTER XXXX BANKRUPTCY WAS THROUGH THE XXXX XXXX XXXX MICHIGAN ( XXXX XXXX XXXX XXXX, XXXX MI XXXX, ( XXXX ) I HAVE REACHED OUT TO THIS COURT AND THEY HAVE RESPONDED SAYING THEY DO NOT VERIFY ANYTHING WITH ANY CONSUMER REPORTING ANGENCIES, THIS CHAPTER XXXX BANKRUPTCY IS NOT REPORTING ON ANY OF MY OTHER CREDIT REPORTS, TRANSUNION STILL TO THIS DAY HAS NOT PROVIDED ME WITH THE SOURCE OF THEIR VERIFICATION, I HAVE ALSO INFORMED TRANSUNION THAT I AM A RECOVERING VICTIM OF IDENTITY THEFT AND STILL DONT KNOW ALL THE DETAILS OR ACCOUNTS ON HOW MY IDENTITY WAS MISUSED AND THAT THEY SHOULD THOROUGHLY INVESTIGATE MY DISPUTES OF INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT, I HAVE TRIED EVERYTHING I CAN POSSIBLY DO EXCEPT TAKE THIS MATTER TO A LAWYER WHICH SEEMS LIKE MY ONLY OPTION LEFT, PLEASE CPFB CAN YOU HELP ME WITH HOW TO GO ABOUT THIS IN A LEGAL MATTER BECAUSE THEY ARE NOT GIVING ME ANY INFORMATION ON THIS AND HOW AND WHO THEY ARE VERIFYING THIS INFORMATION WITH.

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 2020-10-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
In XXXX My mortgage was Transferred to XXXX XXXX  company. With whom I paid my mortgage to every month. In XXXX I had purchased a small loan from a predatory lender. XXXX XXXX XXXX which they charged me a substantial amount added to my mortgage loan. In XXXX my mortgage was transferred to XXXX XXXX who then wanted me to get a remodification on my loan. When I was with XXXX XXXX Company My monthly mortgage was {$560.00} a month. When I went to do the remodification with XXXX they wanted me to pay {$1.00} XXXX per month. During the Obama administration he stated that no one should be have any predatory lenders on their mortgage. Finally I get a letter after all stating that my loan is paid in full. They owe me money for ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
This company is attempting collect an alleged debt of {$590.00} that is reporting onto my credit report and I have contacted them multiple times requesting debt validation. This company refuses to validate this alleged debt and it is still showing up on my credit report. 

On XX/XX/2020 I spoke with someone at XXXX XXXX  about the dispute letters that I have sent. I was told that they have my dispute letters yet The Bureaus has no media on file to validate the debt and that is why I have not heard anything back. They said they will send validation when they can find the documentation. 

How are they reporting onto my credit report and they have no media to validate the debt. I also updated my mailing address with them so that they can make sure that anything they send makes it to the correct address. It has been almost a month and a half and I have received nothing, yet they have not validated. 

I want this alleged debt removed from my credit report and my file closed in their offices!

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 2020-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/XXXX Signed documents, put money in escrow to payoff Bank of America HELOC XX/XX/XXXX Bank of America HELOC was overpaid on the balance XXXX Bank of America closed the HELOC account by " paying '' {$1000.00} out XXXX Bank of America HELOC Payoff Dept wrote refund check # XXXX XX/XX/XXXX ( Wed ) Customer called Sierra at BofA XXXX Phone XXXX ). She confirmed the above check was written 14 days previously. 
XX/XX/XXXX ( Wed ) @ XXXX XXXX, after a 49 minute " hold '', XXXX transferred me to XXXX in the Payoff Dept. XXXX @ XXXX XXXX  said she is putting a " stop payment '' on the above check. She will make a direct deposit to my checking account for the {$100000.00} within 48 to 72 hours. 
XX/XX/XXXX ( Tue ) XXXX called BofA HELOC ( same phone # ) and spoke to XXXX, after " holding '' for approx 15 minutes. She claimed she could not help me, but would transfer me. I had an appointment and had to leave, but told XXXX to contact whoever and have the money deposited in my account XX/XX/XXXX ( Wed ) @ XXXX XXXX  ( MST ), I called XXXX at BofA HELOC Payoff Dept. She said a group of XXXX payoff checks were delayed and mailed XX/XX/XXXX ( Mon ), including mine. She does not " see '' a STOP PAYMENT. I requested her supervisor. 
XX/XX/XXXX ( Wed ) I spoke to XXXX XXXX XXXX, the supervisor. XXXX XXXX confirmed a STOP PAYMENT was processed XX/XX/XXXX ( not XX/XX/XXXX ). System will not allow payment for another 48 hours. I want money immediately. I requested her supervisor. She said it will be 24 to 48 hours for response! 

I am a 27 year customer with multiple accounts with Bank of America! If I can't receive reasonable payment, who can??? Either BofA is irresponsible to the max ... or they have a severe cash flow problem and are holding customer cash unduly long to avoid official defaults. 

Please help me ( and others ) get our overpayment refunds in a timely manner! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Email : : XXXX Cell : ( 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 monetary relief
Consumer complaint received 2020-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

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 2020-10-28 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: FL

Complaint narrative:
A XXXX XXXX XXXX collection # XXXX is reporting twice on my Experian credit report. I have submitted a dispute in the past which did not resolve this error by Experian. I need the duplicate account removed ASAP as now I can not close on my new home due to this error.

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 2020-10-28 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: SC

Complaint narrative:
This is my 3rd complaint on the same issue. I am responding to complaint number XXXX and complaint number XXXX. I have requested to see Verified record of Experian and XXXX files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer. 

i am uploading loading ; Your full name including middle initial ( and generation such as JR, SR, II, III ) Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,

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 2020-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
PayPal limited my account from sending or receiving funds on XX/XX/2020. They never sent me any notification as to why my account was limited. I reached out to several customer service agents within their company which they didn't tell me a reason why. I logged in to my account with a notification that stated my account balance of {$1800.00} will be held 180 days and then released to me after. On XX/XX/XXXX I received notification from PayPal that someone logged in my account from an unrecognized device, which prompt me to login and change my password. Once i logged in I notice my balance was {$0.00} and it should have been {$1800.00}. PayPal took my balance without notifying me as to why. I called them 3 days in a row and waited over 3 hours on hold just to speak to someone and they told my I violated their agreement but couldn't tell my how or didn't send documentation is to why. How can you take my money and not explain to my why and how? I asked the Agent for her id number and she wouldn't provide it. I asked for a Supervisor and both agent on 2 different days hung up on me. I also asked for coperate office information, email and phone number and i was told the only had an address. This company has created fraud on my account. they never asked my for any documentation to prove my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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: CA

Complaint narrative:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 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:
Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.

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 2020-10-28 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: MD

Complaint narrative:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

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 2020-10-28 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: MD

Complaint narrative:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm reaching out because XXXX has had me down for missed payments that are incorect In addition to this, I was placed on forbearance during the period of the 6 months that the payments were placed down as " missing '' and outside of this, I've never missed payments on any of my other counts ; some I've had for years. 

XXXX is federally regulated and often completely ignores any complaint or adjustments requested but this heavily impact my life and my ability to do anything on multiple levels of my life. 

Also, I want to add that the loan was split into three loans? Why would I get a {$130.00} loan for school. 

Please, I've submitted form after form for the past 2 years This needs to be updated.

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 2020-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND MY PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO APPLY FOR ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
My issue is in regard to my loan modification. Please see the attached pages as it clearly shows I met the obligation to provide the form to my current loan servicer to receive my last incentive payment of {$5000.00} My loan transferred from Seterus in XXXX of XXXX. As the attached documents show I met the dead line of XX/XX/2019 stated on the letter to submit the Real Estate Fraud Certification by the XX/XX/2019 deadline as stated in letter and am entitled to the last {$5000.00} incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I did a mortgage refinance with United Wholesale Mortgage in XX/XX/2020. The mortgage was done with a mortgage broker from XXXX. I was told everything would be seamless and there would be enough taken out into my escrow account at the time of signing and the projected payments to the escrow to allow for my taxes and insurance to be paid. I went with them based on the numbers I was given. In XXXX of 2020 I received a delinquent tax bill from XXXX county that my XXXX taxes had not been paid. I followed up with the mortgage company and they stated there was not enough in the escrow to make the payment. After talking to many people they paid it and the penalty too. I was told I would have to pay back the escrow amount of {$3800.00}. I never would have done the refinance had I known it would have been almost {$4000.00} more. The mortgage broker knew that and I feel like numbers were manipulated to get me to do the mortgage refinance as my husband and I have good credit and were a good target. The mortgage company stated I could pay back the shortage over 2 years and now I received a statement stating they would collect it over one year. The monthly amount went from {$2600.00} to {$2900.00} for one year and this is not something I signed up for.. I feel like the mortgage broker from XXXX XXXX XXXX misrepresented my new payment and the loan to get us to sign. This is not my mistake and I am being made to pay for their deciet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TX

Complaint narrative:
I took out a loan with BHG to help my wife start her business. The process was fast ( too fast ) and the loan was funded within a couple days. I was charged a {$3000.00} processing fee and another {$3500.00} for life insurance to secure the loan in addition to a {$1200.00} refundable fee and a {$45.00} wire transfer fee. The interest rate on the loan is a high 14 %. I decided I want to get out of this loan early and found out that they do not allow partial payments so unless I pay them $ XXXX for the $ XXXX I borrowed, I am stuck paying interest until it is paid in full. This seems really shady. I am working to cash out some equity on my home but if I'm just a few dollars short of a payoff, I'm stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
ISSUE : My old mortgage company will not give me the certificate of lien release to show that they were paid in full for the 1st lien. This is preventing me from refinancing my second mortgage/lien. 

Explanation : My home address is XXXX XXXX XXXX, XXXX, MD XXXX ( some people use XXXX  as the city ). My home is located in XXXX County, Maryland. I originally purchased my home on XX/XX/XXXX. My original lender for my first lien was XXXX XXXX ( " XXXX '' ) and they [ XXXX ] transferred my loan to First National Bank of PA ( " FNB '' ). The deed is currently under XXXX XXXX 'XXXX  name as filed with the land records dept. in XXXX County Circuit Court. I refinanced my home 's 1st lien only and closed on the refinance on XX/XX/XXXX. After I refinanced my 1st lien, I then attempted to refinance my second lien/mortgage but was told I can not do so until I have the certificate of lien release showing that XXXX XXXX or First National Bank of PA was paid in full. I then called First National Bank of PA the end of XXXX XXXX and informed them that I need a copy of the certificate of lien release. I was informed that the paper work was being processed and I should call be back next week. I then called them [ FNB ] back next week and was informed that they ( FNB ) sent my paperwork to XXXX County Land Records Dept. on XX/XX/XXXX for filing. I then called XXXX County Land Records on and was informed that they did not have any documents from FNB or XXXX. I was told to call back in a week. I called land records again today on XX/XX/XXXX and was informed they still never received the certificate of lien release from XXXX or FNB. I need assistance because I am unable to refinance my second mortgage/lien without the certificate of lien release. I was informed the paperwork was sent on XX/XX/XXXX but land records confirmed they have no backlog or delays with processing/filing documents and they said they received no paperwork from FNB or XXXX.

Company response to consumer: Closed with explanation