vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
RoundPoint Mortgage failed to pay my Insurance through Escrow for almost 2 months. About a month after closing, we needed to switch insurance policies from Landlord insurance, to regular property insurance because the seller was renting back the house for a month. This is standard operation for those who have post-possession clauses in their contracts. We canceled and switched policies on XX/XX/XXXX. We received a refund check for the leftover balance on the insurance account. My mortgage agent at XXXX said that at this point since my first payment was to be made with RoundPoint, that I must deposit the refund into the new Escrow account held by RoundPoint. This was done on XX/XX/XXXX. I then informed the insurance company of the updated mortgage company, and informed RoundPoint of the insurance policy # and the billing information ( this was slated to be officially switched over on XX/XX/XXXX - our first mortgage payment ). The insurance company then also billed RoundPoint for the Insurance balance through Escrow. Two weeks passed by and I am getting calls and emails from insurance saying that the premium has not been paid yet. This is strange, as I informed both companies of the updated information. I called RoundPoint, who confirmed that they are 7 days delinquent on the insurance payment. We conferenced in the Insurance company also, who provided an address for RoundPoint to OVERNIGHT a payment to. This was sorted out and we ended the call with RoundPoint confirming that the payment was slated to be over-nighted to the insurance company. About a week later I had submitted a request to close the Escrow account because I was frustrated with the Mortgage company not being able to do their job properly and decided it was better for me to just pay taxes and insurance myself in the future.

Again, 2 weeks passed and I am still getting notifications that the homeowners insurance premium has yet to be paid. This is strange, as the overnight payment should have been applied by now. I also noticed online that the Escrow balance has not changed, showing that either XXXX has not received the check or it was never sent. I called XXXX and confirmed with them they have NOT received the payment. I called RoundPoint and at this point they said there was nothing they could do because they already cut a check for the balance of the Escrow account to me. However, the insurance payment should have been sent 2 weeks ago, so not sure why it never got sent or received by XXXX. I ended up getting the money from the Escrow balance and paying the insurance premium myself since RoundPoint seems incapable to handle this feat. Which is surprising since this is something that a mortgage servicing company should be doing on a DAILY basis.

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 2021-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment on XX/XX/2021 of {$310.00} which was the balance of my XXXX CapitalOne card at the time. I saw that the payment left my XXXXXXXX XXXX checking account on XX/XX/2021. I called today XX/XX/2021 and was told that my available credit would not be updated for 26 days because there was a " hold '' on my payment. I've never heard of such a lengthy hold. I offered to have them contact my bank to let them know that funds had been cleared. They kept saying it was a system limitation and have given me no reason for the hold and that is why I am complaining. I have a right to know why my money is being held. I also asked that they reverse the payment and they refused. They are holding my {$310.00} without explaining why. My ultimate concern is that they are preventing card holders from paying off their balances frequently so as to force consumers to hold a balance to earn interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.

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 2021-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company is calling my cell phone from XXXX with an automated dialer without my express consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
Hello, I received a installment loan from Regional Finance back in XX/XX/2021. I was consistently making payment throughout the pandemic until I was hospitalized due to XXXX and giving childbirth in XX/XX/2021. In a month when I was finally able to go home, I had to take " maternity leave '' since I just had a child, no job due to pandemic. I was unable to pay from this time until I started working. They ended up making a two months missed payment on my credit report. I was able to pay in full the amount I owed in XX/XX/2021. I reached out to the corporate office to see if they will make a goodwill adjustment this one time due to the pandemic and my unfortunate situation but they said there is nothing that they can do. 
When I checked my score today it updated today XX/XX/2021 stating that I still missed a payment even though it was paid in full. I don't think this is fair. I would like to purchase a home for my family and this is making it so much harder. I understand there was other steps I could have taken to handle this better. If you are able to help in anyway I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am a victim of identity theft

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and XXXX  REPORT. I have attached screenshots as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is several times that I tried to purchase my 3 credits reports and scores from Experian or others but the agencies doesn't allowed me to purchase my reports unless I signed in to my previous account. I feel that my rights has violated. Therefore, I file a report.

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 2021-12-30 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: PA

Complaint narrative:
I, XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries and accounts. Block and remove them. There was no consent, nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act. INQUIRIES 1. XXXX XXXX via XXXX XXXX- XXXX 2. XXXX XXXX via XXXX XXXX- XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX- XXXX 5. XXXX XXXX- XXXX 6. TRANSUNION CONSUMER INTE- XXXX 7. TRANSUNION CONSUMER INTE-  XXXX 8. TRANSUNION CONSUMER INTE- XXXX 9. TRANSUNION CONSUMER INTEXXXX XXXX 10. TRANSUNION CONSUMER INTE-  XXXX 11. TRANSUNION CONSUMER INTE-  XXXX 12. TRANSUNION CONSUMER INTE-  XXXX 13. TRANSUNION CONSUMER INTE- XXXX 14. TRANSUNION CONSUMER INTE- XXXX 15. TRANSUNION CONSUMER INTE- XXXX XXXX. TRANSUNION CONSUMER INTE- XXXX 17. TRANSUNION CONSUMER INTE- XXXX 18. TRANSUNION CONSUMER INTE- XXXX 19. TRANSUNION CONSUMER INTE- XXXX 20. TRANSUNION CONSUMER INTE- XXXX 21. TRANSUNION CONSUMER INTE- XXXX 22. TRANSUNION CONSUMER INTE- XXXX ACCOUNTS 1. XXXX XXXX- XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX- XXXX 7. XXXX XXXX XXXX XXXX 8. DEPT OF EDXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30 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: MN

Complaint narrative:
I am a victim of identity theft

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX is reporting a fraud account on my credit. I have contacted the company and informed them that this account is not mine, and yet is continues to report on my credit. Please see the attached FTC report and remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: HI

Complaint narrative:
Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used inXX/XX/XXXXand XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XX/XX/XXXX and XXXX. Serious delinquency inXX/XX/XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Reviewed credit report, it shows XXXX XXXX XXXX XXXX credit card opened and used in XXXX and XXXX. Serious delinquency in XXXX, it is affecting credit score and report. This is identify theft and fraud. I did not open a credit card at this business or use it. I tried speaking to XXXX, multiple customer service and fraud department specialists. Nobody can help or provide any information

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 2021-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30 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: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2021-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My lender United Wholesale Mortgage ( UWM ) impounded my taxes and insurance. The taxes were due XX/XX/XXXX. I refinanced in late XXXX and on XX/XX/XXXX my loan with UWM was paid in full. I learned on XX/XX/XXXX that UWM had NOT paid my taxes. My county assessed a late penalty on XX/XX/XXXX in the amount of {$380.00}. I paid the amount of taxes due PLUS the penalty on XX/XX/XXXX. It has been over 30 days since I closed on the refinance and I still have not received my escrow impound refund in the amount of {$10000.00}. I have called XXXX times and have been given the run around all three times, most recently today ( XX/XX/XXXX ) when I spoke with XXXX. The first call I made, the employee told me the check was cut on XX/XX/XXXX. I checked my online account today and saw that the check was not cut until XX/XX/XXXX, and it is XX/XX/XXXX and I still don't have it. It's not rocket science to know someone is not being truthful. XXXX told me it can take between 10 and 15 additional days to receive it because of the mail, and also the holidays, and also that they are so " busy. '' Again, not rocket science. If XXXX can get packages delivered in a day or 2, I expect someone ( UWM ) holding my money can make returning it to me a priority. I asked for an escalation and was transferred me to " XXXX '' who never came on the line. Despite having my phone number, and confirming it on the call, they didn't bother to call me back. I am confident that UWM has not acted in good faith. As my fiduciary, I trusted them to pay the taxes as they had my money. They breached their fiduciary responsibility. They are not acting responsibly in my best interest. They have balked and tried to pass the buck for weeks. There is no excuse for them continuing to hold my money and creating significant financial hardship to me. They continue to earn interest on MY money. I am a senior citizen, on a limited income and this seems illegal. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30 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: OK

Complaint narrative:
I XXXX XXXX, contacted TransUnion via certified mail from the USPS. It has been over 30 days and they are in violation of my consumer rights in addition to violations I listed in the affiliate. The law clearly states that the negative disputed information must be removed if an investigation is not completed in the 30 days congress set as the time frame. I am demanding all items i disputed be removed immediately. TransUnion is not above the law and must remove the items. They sent me a letter stating they that they were unable to locate a credit report ( consumer report ) for me. However This couldn't be true due to the fact that I enclosed a copy of my Drivers license and proof of address. Also TransUnion letter also contained my consumer file number on the top of the letter they sent and at the bottom of the letter for me to use to contact them. This was a terrible stall tactic that was used to knowingly and willfully continue to try to violate my rights as a consumer. Obviously you have my file if you have my file number.

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 2021-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and have not received any investigation results.

Company response to consumer: Closed with explanation