vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is no sub category for my issue so this complaint is probably classified wrong. This complaint is against Transunion. First let me say this complaint will be used as evidence against Transunion in the law suit my lawyer in currently in the process of filing. My credit score with Transunion was XXXX. This was before a collections debt in the amount of {$800.00} was removed from my credit report. Transunion knew that this collections debt with XXXX XXXX XXXX was a fraudulent debt yet they chose to allow it to be reported on my credit report. I finally got it removed. After it was removed my credit score increased considerably. 2 days ago out of the blue my credit score dropped to XXXX. My credit score was originally XXXX. I had a collections debt in the amount of {$800.00} removed from my credit report and my credit score initially went up then it dropped. Not only has this fraudulent debt been removed from my credit report but my overall credit usage also dropped 6 %. My total open account debt dollar amount was reduced by almost {$200.00}. How does my credit score go from XXXX to XXXX than back down to XXXX when a collections debt for {$800.00} was removed from my credit report and my credit usage decreased and my open accounts debt decreased by almost {$200.00}. My score is lower now then it was when the {$800.00} collections debt was being reported. I say Transunion has deliberately reduced my credit score out of retaliation against me for reporting their crime to the Illinois attorney Generals office. I also exposed their lies. Transunion claimed that they verified the debt between me and XXXX XXXX to be valid. They claimed they had received additional information from the Original creditor that proved the debt was valid and mine. This was a lie. The original creditor verified that I had no responsibility for the debt. Now Transunion is retaliating aginst me by keeping my credit score low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Freedom Mortgage company, located in New Jersey has fraudulently enticed me to refinance through freedom mortgage, who is also my current mortgage lender - by falsifying documents, pressuring me to agree to illegal terms, and fraudulently charge illegal fees that do not apply to me. I have been in constant communication relating to the false documents and charges with freedom mortgage and their legal department- who have failed to correct it, but admit that freedom mortgage has acted incorrectly. 
Therefore, due to not being able to refinance as initially agreed, only due to the intentional delay caused by freedom and because I will not agree to false charges, I am still stuck paying PMI, Freedom mortgage holds my escrow account which also should have been refunded through the refi, and cost me so much time and effort to prove their lies and constant violation in truth and lending practices and violation of RESPA Please help take action against this lender who is well aware of their violations and makes no attempt to correct 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 2021-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was on a site called XXXX on XX/XX/XXXX, and I was looking for the new XXXX XXXX XXXX XXXX. When I found a decent looking price ( {$530.00} ) I messaged the guy and we talked and told me to send the payment {$530.00} over Zelle. I wasnt aware at the time that Zelle doesnt even have any fraud protection, like XXXX . He lied about a shipping fee, and tracking number fee ended up sending another {$120.00}. In total {$750.00} I sent to this guy and I eventually saw this was fishy, but it was too late. Now Im fighting my bank XXXX XXXX, and trying to get a hold of Zelle. Toda, XX/XX/XXXX My bank told me they did everything they could and their request was denied. I tried calling Zelle and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I made cash payments in the total amount of {$9100.00} for mortgage due dates : XX/XX/XXXX through XX/XX/XXXX. 

SunTrust records indicate that my mortgage account is delinquent for XXXX and XXXX, XXXX. 

XXXX XXXX of SunTrust Mortgage confirmed that my last payment on XX/XX/XXXX in the amount of XXXX was NOT applied to the principal ( see attachment ). Instead, SunTrust Mortgage misapplied my funds to a " SUSPENSE ACCOUNT '' for escrow payments. My contract does NOT include escrow payments ( see attachment ). 

I must pay XXXX 's mortgage payment soon, but SunTrust warned me that any future payments will be applied to any and all past due amounts. 

In USA, CFPB and 50 States v. SunTrust and among other civil actions, ( including 1-14-cv -- 01128-RMC ), the court has ruled in favor of the mortgagor when facts include deceptive acts and practices by the mortgagee. 
On the following dates, I spoke with SunTrust but to NO avail. 

Date SunTrust Customer Service Time Outcome XX/XX/XXXX XXXX XXXX by phone/email XXXX no response XX/XX/XXXX XXXX XXXX by phone XXXX no response XX/XX/XXXX XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response XX/XX/XXXX XXXX XXXX no response I have attached documents for your perusal. I look forward to hearing from you soon. Thank you in advance for your consideration.

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
On XX/XX/2021 I requested a validation of debt via certified mail to this company which they never responded to within the 30 days the have by law, they received the certified mail request for validation letter on XX/XX/XXXX. Today is XX/XX/XXXX and I have not received nothing from them. This company is on default to proof I owe the alleged debt and by federal law that protects me as a consumer this need to be removed immediately from all CRA 's they currently reporting to. I am the consumer and they never reach out to me nor have my permission to report on my behalf to the CRA 's. 

Attached you will find the proof of the letters I mailed them and the proof of the certified mail showing they received it on XX/XX/XXXX 3

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Started the processing of Refinancing my existing mortgage with PennyMac in XX/XX/2021. I locked in with a rate of 2.874 % paying .8 % origination fee ( {$3300.00} ). The loan estimate was accurate. 

I received my closing disclosure in mid XXXX which reflected an origination fee of 2.7 % origination fee ( {$11000.00} ). 

Needless to say, I was completely shocked by this {$7800.00} increase and no one from PennyMac bothered to call about this increase. I would have expected to receive a Revised loan estimate and a call from the loan officer / processor to say what caused the change.

After contacting the loan officer, I requested a {$6000.00} lender credit. I wanted a credit for the full difference but they would not do that. I was verbally told that the Sales manager approved the lender credit. However, when I received the final CD prior to closing, the lender credit was NOT included. On the day of closing, I had to call back again to get that corrected. The correction came back with only {$5500.00} instead of {$6000.00} as previously discussed. Per the Sales manager, {$5500.00} was the limit of what they could do. 

In summary, The XXXX  process was completely ignored on my loan. To learn after 60 days with not phone call or email, that your fee increased by {$7800.00} is completely wrong. 

In addition to the XXXX origination process issue, the appraisal process was also poorly handled. An appraiser was assigned and showed up as expected. The house was under renovation and the appraiser had a hard time figuring out how to appraise the property. We discussed the renovations and offered to provide estimates of any work that she deemed necessary to meet the inspection requirements. Two weeks pass and the appraisal is scheduled for delivery and I receive a text message from a second appraiser requesting a date to inspect the property. The first appraiser completely bailed on the project and PennyMac was completely in the dark about the situation. When I contacted the processing team, they had no idea what had happened. They suggested that I contact the appraisal company to find out. This is NOT my job. 

Anyway, after another 10 day delay, the second appraiser did a great job and was successful at delivering a viable appraisal. 

We did close on the the end of XXXX, but it was the most painful mortgage experience that I've ever been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: OneMain Finance Corporation
State: PA

Complaint narrative:
on XX/XX/2021, XX/XX/2021, XX/XX/2021, i sent multiple letters to this creditor disputing an unauthorized inquiry made on my account .the creditor responded by stating the inquiry was in fact accurate but do not provide method of verication ( Consumer contract with my signature ) I would now like to take legal action if this fraudulent item isnt removed from my credit report immediately for the non complianceto provide proof of investigation results after 30 days of no validation, this item must be removed by law .thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXXXXXX-Balance {$0.00} 2. XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/2018 3. XXXXXXXX XXXX XXXXXXXX-Balance {$1100.00} 4. ( Original Creditor : Medical ) -XXXX-Balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified inquiry listed is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed and unauthorized 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-Date of inquiry 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 2021-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.

Complaint narrative:
I received a series of emails yesterday stating that an account had been opened for me with MoneyLion, a company I have not previously heard of. I emailed to ask that they close the account and they asked for a series of personal information that I was not comfortable providing, including my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Prior Ticket - CFPB # XXXX History attempt to correct wrong address, missing address, wrong names with TransUnion. 
I followed their directives sending a package with copies of documentation requested to verify my identification along with a typed list of all rental/addresses listed chronologically, clearly identifying missing address such as XXXX XXXX XXXX, another address erroneously listed twice, the same address once with apt . XXXX and second time apt XXXX for XXXX XXXX XXXX, XXXX ( to keep only XXXX second one apt XXXX must be typo ) and wrong names added with middle initial B not mine never done business with middle initial B, and my last name starting with " H '' initiated most likely by a creditor promoting their business. Why would I keep a name in my credit report that was created erroneously by a credit card company on my credit report when I have NEVER OWNED it, NOR DONE BUSINESS WITH? ... 
After going out of my way, investing time, money ( to do copies, buy stamps, to this date, I have not received a response confirmation that it was corrected ... more than a month now. And find out that without correcting my credit report, they close my case?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This is related to a major loss to my property in XX/XX/2019 -- a very large tree fell on my house in abnormally high winds. The insurance cut a check to me and my mortgage holder as soon as I had a repair estimate ( XXXX XXXX ). It was for approximately {$220000.00}. Subsequently with additional findings of substandard foundation and other code requirements, the amount was increased to $ XXXX. 

I have had unbelievable difficulties getting Rushmore to release funds to my contractor to pay for work that is already complete. The contractor is currently out of pocket {$100000.00} and we have passed an inspection showing 85 % complete but the contactor has only been paid 56 %. It should be very straightforward to release the remainder due. And yet I can't get Rushmore to release a check. And I can't get beyond a very limited scripted brick wall customer service of the available agents. The contractor won't come back to the job until he's paid. So, for the THIRD time on this round only, I am to wait for two days for Rushmore to call me back.

For every payment Rushmore has provided on this loss, my contractor has had to wait more than a month -- the inspections come in with completions but it takes multiple calls for Rushmore to release money and I don't think we've received even one payment within one month.

The contactor I selected does insurance work only. He has worked with multiple banks and this he says is the worst experience he's had.

They have probably delayed my job a cumulative of 6 months at this point by mistakes, multiple calls with no results, no customer service, unkept promises, supervisors who are supposed to call but never do ; agents with limited knowledge and very small scripts. They are ruining my life. I may not be able to afford this house that I've owned for twenty years when it is done, because it's been almost two years and my insurance limits have been reached on replacement living costs, so I am losing money. But no recourse at Rushmore.

If I was making late payments to them, they would charge me exorbitant late fees, but what recourse do I have when they don't release money that is not theirs!! AS far as I am concerned, they are stealing from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX  Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation.. 
Sincerely, 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 2021-09-08 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: GA

Complaint narrative:
The Collection Company They committed more than XXXX violation, XXXX XXXX Code Sec XXXX Validation of debts, They didn't provide me with the XXXX things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I XXXX XXXX XXXX Sec XXXX ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( XXXX XXXX Sec XXXX ( a ) XXXX ) to furnish anything in my credit report agency, specially a alleged debt that is not mine. 

I have disputed the alleged collection with Experian and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see attached credit reports to see the collection accounts that are not mine nor was authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: MT

Complaint narrative:
First Progress ( prepaid credit card ) is a joke! A scam. Seriously, no one should use them. You get no monthly statements. The only one I received was when I wanted to stop using them. Contacting them is another joke. Picture an automated system that runs you around in circles. Over and over again, pushing buttons, and then the automated message says " good bye. '' ( Hey, you can't make this XXXX up! ) Then try getting your money back when you cancel with them. As I write this, it's been over three months to get my ( yes my ) {$510.00} dollars back from them. First it was two months. Then they told me it got mailed. ( total XXXX! never mailed ). Then they wanted me to fax them a statement saying " I didn't receive my money ''. My first question was " who uses faxes in todays world? '' ( Scam. ) My next question was " why don't you check to see if it was cashed? '' ( Of course they won't do that ... it's a scam. ) Called them back again, and now I have to mail it. People should run away from this company!!!! They are a scam! 

I've closed my account over three months ago and they still haven't paid me MY {$510.00} ON PREPAID CREDIT CARD. 

*****First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank XXXX XXXX XXXX GA, member FDIC XXXX card ending in XXXX XXXX XXXX

Company response to consumer: Closed with explanation