vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: IN

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX fcra violation and XXXX for not looking at the obviously mistake dropping my score under the required min to get approved

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX, XXXX fcra violation and Regions for not looking at the obviously mistake dropping my score under the required min to get approved

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 2019-08-15 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: IN

Complaint narrative:
According to the Fair Credit Reporting

Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, y
ou must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-08-15 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:
I have submitted numerous disputes to Experian regarding their incorrect listing of a bankruptcy on my consumer credit file. In the letters sent to me regarding the " dispute results '' Experian listed the Bankruptcy Court as the source of the information for the first dispute and then after my request for a re-investigation, the " dispute results '' that was sent to me now states that XXXX MAY be the source of the information. 

I subsequently sent in a method of verification to Experian twice in the last 4 months that has been ignored and not replied to. 

These are all violations of the Fair Credit Reporting Act.

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 2019-08-15 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
My husband and I started our refinance process in XX/XX/2019. In XX/XX/2019 when our loan was moved to the Mortgage Processor, things began to move real slow. We were told there was a hold up with the system, they kept asking for more documents, they were not clear with the steps we had to ask for everything in writing because they kept saying this is the last thing required. At this point XXXX XXXX was my point of contact. 
My husband and I complained to our original loan officer so our account was moved to XXXX XXXX. He was able to move our loan along nicely. He also maintained excellent communication with us on all steps of our process. Now that XXXX XXXX is our point of contact, we have no idea where we stand as far as closing. She has not reached out once to let us know that received any of our documents she requested. The documents are time sensitive and I do not feel its professional to let time sensitive documents lapse then request me to redo the documents because the data will be outdated by the time I get to the closing table. 

My husband and I have never been late with a mortgage payment, we do not feel we are being treated fairly and definitely not valued as an excellent customer. 


XX/XX/XXXX contacted Senior Loan Advisor XXXX XXXX by email asking for closing date XXXX emailed processing officer asking for closing date XX/XX/XXXX contacted Senior Loan Advisor by email stating we have not heard from our processing officer XXXX emailed Processing Officer XXXX XXXX asking for my status and about a closing date XX/XX/XXXX called Processing Officer and left a voice message asking for closing date XX/XX/XXXX talked to customer service was told my processing officer would call me before XXXX, she did not call-I was given her managers name and extension XX/XX/XXXX called processing officer several times between XXXX XXXX. Called her manager several times between XXXX XXXX. all went to voicemail. Talked to customer service she transferred me to escalation, I was on hold for 30 minutes. 
XX/XX/XXXX XXXX XXXX, Escalation customer service answered the phone talked to him after being on hold more than 30 min. Put me on hold again to look at my account, says he talked to XXXX and she said she's looking at my paperwork I sent in 2 weeks ago and would call me back within the hour. I told him I do not trust her due to her not communicating with me yesterday nor today. He said he would have her manager, XXXX XXXX call me back, I said I don't trust her either, I need her supervisor. He placed me on hold for 10 minutes, then the phone connected to XXXX XXXX voicemail. I left her a message stating I needed her managers name so that I cold speak with them. 
XX/XX/XXXX on hold with escalation for 15 minutes and still waiting

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 2019-08-15 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: Screening Reports Inc.
State: IN

Complaint narrative:
XX/XX/2019 a hard credit pull was done on my XXXX credit report. It says. 

Screening Reports Inc . 
XXXX  IL XXXX I did not authorize this hard pull

Company response to consumer: Untimely response
Consumer complaint received 2019-08-15 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: MA

Complaint narrative:
Experian investigated to why an acct called XXXX card shows good status and bal. being paid but does not show payments made, and came back as fixed but still showed {$0.00} payments made for all payment history!! Please fix this. Thankyou see info below. 


Updated XXXX XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details After Before JXXXX XXXX Account Name Account Number Credit Card Account Type Individual Responsibility XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 25 Monthly Payment {$3000.00} Credit Limit {$930.00} Highest Balance NA Terms {$670.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY ...

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 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2019-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco popular and XXXX XXXX have a car record in my credit file more than seven years this is illegal

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 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
We submitted a complete financial package on XX/XX/19. Approx. 30 days later we reached out due to another request for a paystub and were told that the original submission is acceptable and that we would receive and answer in 30 days. On XX/XX/19 another letter was mailed asking for paystub info. Called and was informed that paystubs were not legible. Mortgage now almost 90 dpd. Request in their hands since XX/XX/19. I am filing a complaint with the State Attorney General’s Office as well. XXXX XXXX/PHH are negligent in their handling of this account/modification process and need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Walmart  in your letter enclosed you state a account XXXX XXXX you state account ending in XXXX was permanently closed  you state you transferred account to new account ending in XXXX { show contract of new account with my SIGNATURE}you state you investigated show complete report  evidence that you state .you state that i Benefited from account show actual benefited from this evidence with a signature . also why did XXXX get transferred with out my signature   please send all copies that I request  contract new account my signature , your investigation , benefited  from use with my actual signature ref CFPB 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 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
I was in the Military and was transferred to XXXX in 2015 where I lived for the next 3 years.  I had an XXXX XXXX XXXX phone and called in to suspend the service before I left, because the phone will not work there.  Instead the representative cancelled it, and I thought it was suspended, since I've don this before with cell phones and being I the XXXX.  My account was closed and referred to a collection agency called Diversified Consultant for a little over 700 dollars.  I guess that was an Early Termination Fee, and other charge, the account was sent there XX/XX/2015, while I was in XXXX  I spoke with XXXX and Diversified in XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX, as soon as I found out years later and paid it to get it off my credit, even when I didn't owe it.  The reps simply state that's not what they do when asked to assist in removing the item, I thinks this is a shame, and shouldn't be done to someone serving their country, guess I add to the horror stories of other Military members.  This has cost me in interest rates, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: DISCOVER BANK
State: KY

Complaint narrative:
On XX/XX/XXXX, I called in and the rep advised that I can make a payment of {$42.00} by XX/XX/XXXX to avoid being reported late to the credit bureau. THE REP DID NOT SPECIFY A CUT OFF TIME!!! The rep was providing me information that is not on my statement, I should not have to go back and look at the statement to clarify the time. THE REP SHOULD HAVE ADVISED ME OF THIS!!!. I logged in just as she advised and made my payment on the XXXX! I have spoken to XXXX at the Executive offices of Discover and the company has acknowledged that I was not given a cut off time, however, they are not honoring this. Discover also has record that I logged into their system on the XXXX and made the payment as directed. The company is using me as a test dummy to train employees, this is bad business! I was given information that I followed that has negatively affected my lively hood! This needs to be corrected immediately, if this is not corrected I will have to proceed with legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I have a loan that I never physically signed an agreement for with Navy Federal and I've been informed that they have been in talks with my chain of command about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received a letter from the Federal Trade Commission that the insurance I was paying for was in fact fraudulent. 
I contacted USAA ; the monthly payments for this insurance were coming out of that account ( sometime during the first week of XXXX ). I spent something around an hour on the phone with a USAA agent as she filed claims for all 18 payments individually. I submitted the requested documentation, the letter from the FTC. 
Over several weeks, a few credits appeared in the account ; then reversals started. 
I called a few weeks ago and asked to speak to a claims specialist, and was told I could not. I was told by the agent that reversals could only go back four months. 
Now, some six weeks later, a fifth credit reversal occurred that, for the second time, put my account with a negative balance. 
I just spoke with USAA again. It turns out that they don't handle their own fraud claims or disputes ; they are handled by a third party. This third party seems to be in the business of simply turning down claims. The reversal today was, they said, because requested information had not been received. ( I submitted the FTC letter to apply to all these claims ). I asked to speak to a supervisor and was told one was not available. 
As an aside, a few months ago I put in a claim for a food delivery service wherein I disputed the charge because of raw food ; this also was credited then reversed. 
So, in a nutshell, there is absolutely no fraud protection being offered from this bank. Further, they have no problem crediting customer accounts and then, weeks later, reversing funds leaving negative balances. 
I have a hard time believing this is a bank supposedly watching out for service members. Disgraceful. 
I am currently out XXXX plus XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation
State: MI

Complaint narrative:
* Company failed to provide notice of transfer per 1024.33 ( b ) ( 3 ) * Company sent mailing asking for payment of mortgage after loan was transferred to another servicer and marked as closed with credit reporting agencies * Company has caused significant delay in insurance claim process by failing to transfer relevant paperwork to the new loan servicer. 

After our loss ( due to fire ), we filed the requisite paperwork with AmeriFirst to initiate the loss draft process. After over a month of delay with no word, I called to inquire as to the cause of the delay. On XX/XX/XXXX I was contacted by an employee named XXXX XXXX, who verbally informed me that my loan was being sold to a third party. His verbal notice was not within the timeframe described by law, nor did it contain the disclosures required by law. 

On XX/XX/2019 I received a bill from AmeriFirst asking for payment on the loan, due XX/XX/2019. This mailing was sent after the effective date of transfer, and references a billing month after the date of transfer. This notice is confusing, and could have resulted in errant payment being sent to the wrong financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I bought my first house in XX/XX/XXXX and my mortgage company went thru XXXX, my first payment was XX/XX/XXXX. I got with my bank and they began having my mortgage payments drafted from my bank account beginning in XX/XX/XXXX twice a month. Everything ran smoothly until XXXX of XXXX when XXXX transferred my loan to Mr. Cooper. Being a first time home owner my bank continued to draft my payments to XXXX until Mr. Cooper sent me a letter stating my past due balance, I emailed Mr. Cooper and XXXX ( researchincoming - Mr. Cooper & XXXX XXXX in XXXX of the payments made showing that my loan was current and XXXX needed to transfer my payments to Mr. Cooper, I spoke with XXXX several times trying to get my payments transferred. In XX/XX/XXXX I had to pay {$2000.00} the loan payments I had already paid for to keep from foreclosure. Finally in XXXX they credited my account and I didn't need to make a payment until XX/XX/XXXX. I had already paid {$670.00} on XXXX which was put into Unapplied Funds with Mr. Cooper and completed my XXXX fee of {$670.00} on XX/XX/XXXX. I also made a payment of {$330.00} on XXXX. I have made a payments to keep my loan current but since my payments are partial payments they continue to keep them in Unapplied Loans and continue to send me letters and threaten late fees. I have called them several times but they insist since they are partial payments they will not move them to my balance. I am a single parent who has suffered health issues and I pay my dues timely. I am unable to speak with a representative from Mr. Cooper any longer due to my health and the fact they do not listen. Mr. Cooper states I owe {$1600.00} for XXXX and that exact dollar amount is in Unapplied Funds. I am unable to pay my mortgage at this time in 1 payment, I will continue to pay 2 monthly installments like I always have. 

Also, I didn't receive a letter from XXXX for resolution until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I registered a dispute with Transunion for the start date of an account, and I received an email that the answer to my dispute was available. To see the results, I needed to reset my password and log in. At some point in trying to reset my password, I was routed from the dispute website, and asked to enter my credit card info. I thought this was just a way to verify myself ( kind of like how USPS uses your credit card information to verify changes in address ). But it was actually to pay for $ XXXX/month credit monitoring services. No mention of the service or charges until I clicked submit -- very misleading and deceptive. I called Transunion to cancel the charge, but they wouldn't remove 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 monetary relief