vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX I was contacted by credit bureaus regarding cell phone accounts that was now on my credit report. I contacted XXXX XXXX  XXXX, XXXX, and XXXX  about the fraud. XXXX  and XXXX   both concluded that the accounts are fraudulent. XXXX  denied having any accounts in my name after giving them all of my correct information. XX/XX/XXXX I recieved a letter through XXXX XXXX saying that a XXXX  account was reported to them in the amount of {$3800.00} I contacted them and explained the fraud on my account that day. I also contacted XXXX  the same day and they had me mail out the fraud packet to them and also XXXX  recieved the same information via email XXXX  did. XXXX  originally removed this from my credit report on XX/XX/XXXX. Next XX/XX/XXXXsubmitted the account to Diversified ADJ SVC. I again made the complaint again to XXXX  and submitted my information to XX/XX/XXXXagain. I filed the police report and the FTC report between XX/XX/XXXX. I didn't do it sooner because I thought it was taken care of. Diversified did remove it from one credit reporting agency but not all of them. I called XXXX again to see why they didn't do it to all of the credit bureaus and they said because it was not fraudulent. I then contacted the XXXX XX/XX/XXXX and XXXX  executive office  contacted me to look at what was going on. I again sent her " XXXX '' most of the same information I sent XXXX the first three times and they again said it was not fraud and that I do not have any fraud reports on my credit. I told them to look again and she said they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I initiated an {$8000.00} wire transfer from my local XXXX/XXXX  Branch in XXXX Fl, XXXX XXXX Branch  from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The XXXX Rep as HSBC Bank USA, N.A. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and XXXX advised to me the funds were returned to HSBC on either XX/XX/20 or XX/XX/20. My local XXXX Branch advises that they have been reaching out to HSBC and the {$8000.00} is " in suspense ''. I am advised by XXXX that there is nothing I can do and have to wait. 
The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. 
I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. 
The Bank in XXXX was XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX  XXXX  Acct : XXXX. 
I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was recently part of a class action lawsuit with Wells Fargo CPI, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking Well Fargo to contact XXXX to have Bankruptcy removed that was filled in 2012, thank you

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to Specialized Loan Services (  SLS ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When SLS took over from XXXX, SLS failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. SLS reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have SLS correct this error but was given no attention. I have since paid off the mortgages.

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 2020-03-04 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

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 2020-03-04 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: MD

Complaint narrative:
I was recently part of a class action lawsuit with XXXX XXXX XXXX, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking XXXX  XXXX to contact Experian to have Bankruptcy removed that was filled in 2012, thank you

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I settled a mortgage dispute with XXXX and I thought everything was very clear, I did not agree with a host of fees due to the nature of the issue and thus the fees were waived ... Now I'm looking at tax documents though and XXXX filed 'Cancellation of Debt ' with the IRS which means a few things. One that they still feel those debts were valid, I'm supposed report this as income, and 3rd, they get to take the deduction all after they totally and completely mishandled everything to do with my loan and the foreclosure which should have never occurred, that I paid off in full but yet they continue to try to 'stick it to me ' which I feel is in violation of our settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to XXXX XXXX XXXX ( XXXX  ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When XXXX took over from XXXX, XXXX failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. XXXX  reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have XXXX correct this error but was given no attention. I have since paid off the mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I initiated an {$8000.00} wire transfer from my local Suntrust/Truist Branch in XXXX Fl, XXXX XXXX Branch from my checking acct XXXX on XX/XX/20. The " Pay Through Bank '' was put on by The Suntrust Rep as XXXX XXXX  XXXX, XXXX. New York XXXX. The receiving Bank in XXXX later advised that the pay through bank should have been XXXX XXXX XXXX XXXX and Suntrust advised to me the funds were returned to XXXX on either XX/XX/20 or XX/XX/20. My local Suntrust Branch advises that they have been reaching out to XXXX and the {$8000.00} is " in suspense ''. I am advised by Suntrust that there is nothing I can do and have to wait. The funds were to purchase a vehicle in XXXX and the transaction has fallen apart and a {$1000.00} deposit has been forfeited. I also had monthly bills and obligations to meet and now do not have the funds to meet them.I am being put in dire financial straights and need some help on this ASAP. The Bank in XXXX was XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX, XXXX, XXXX to be deposited to XXXX XXXX Acct : XXXX. I would greatly appreciate anything you can do to get the {$8000.00} returned to my account ASAP as I am now in desperate financial straights. Thank You very much

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 2020-03-04 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: Home Point Financial Corporation
State: MD

Complaint narrative:
Good Day, I am writing to dispute the derogatory credit mark made against me by Home Point Financial. Home Point received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from Home Point claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called Home Point customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per Home Point 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on Home Point 's part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. Home Point 's lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, Home Point processed it as principal-only, unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX pulled my credit twice accidentally within two days, XX/XX/XXXX & XX/XX/XXXX which as irrelevant as it is dropped my score tremendously.. 

I should not be docked for mistakes made by banks. This was an obvious error on their part not mine. 

I am so fed up with this unfair system.

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Gerald E Moore & Associates, PC
State: TX

Complaint narrative:
apartment complex, Lofts at XXXX XXXX XXXX XXXX XXXX XXXX Texas, claim that i was a " no show '' and have filed it on my credit report- i went to look at the apartments 1 time with my mom, thinking about going to college in XXXX XXXX Texas ... i had been told by apartment management that i did not qualify on my own for 2 reasons - age XXXX ( minor ) and no credit history at all.. I have received collection letter stating i owe {$8400.00} from collection agency Law offices of Brett M. Borland P.C.. phone # XXXX, on XX/XX/2020 this office advised me to send them an email to XXXX in which i did to explain the scenorio and there is no documentation because you dont receive documention when you go to LOOK at an apartment. At NO time did i or anyone sign a lease agreement with this complex. 

i have tried to call numerous times to the actual apartment complex and apparently they sold, so they can not provide me with new owners information or phone # to contact AND they say when they sold they sold the books along with it ... .apt phone # XXXX I feel like I am being scammed by the apartment complex for this debt. 
and it is now on my credit report.. I have filed credit dispute, i have tried numerous calls, i have sent email to collector ... 

Please help ... Sincerely XXXX XXXX ph. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2020 I updated my auto-payment terms from a full payment on my account 's due date to a half payment every 2 weeks using the payments options on Chase 's mortgage servicing online portal. My mortgage payment is due the first day of every month. I was given a notice that my mortgage would begin paying on XX/XX/2020 under the new terms and I was responsible for ensuring my mortgage was paid on XX/XX/2020. Before I added a manual payment for XX/XX/2020, I contacted Chase 's customer service to make sure my previous auto-payment would not pay on XXXX. I was ensured by a representative named XXXX XXXX that I would need to setup the additional payment. I reached back out to make sure my auto-pay would not debit my account on XXXX and that I had to setup another payment. A representative named XXXX XXXX reinforced that I had to setup a new payment for XXXX and that I would not be double charged. 

When XX/XX/2020 came, Chase withdrew 2 payments from my XXXX checking account for my mortgage. This was unfair and deceptive. I called Chase on XX/XX/2020 to get them to refund one of the payments and they said it would take 2-3 business days to process the refund. I asked them to include interest for 7 days the funds were missing from my XXXX account. Chase refused. Chase 's payments practices are unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Assist
State: NY

Complaint narrative:
Several attempts made to College Assist/XXXX XXXX XXXX XXXX by certified mail written request/ several e-mails, several phone calls requesting proper documentation/ proof of debt a treasury offset that has been sent directly sent to College Assist/XXXX XXXX XXXX XXXX from IRS between XX/XX/XXXX  XX/XX/XXXX  in the amount of {$23000.00} ( total ) There is nothing on any 3 credit reporting Bureaus showing any balance owed for any Government/ Student loans owed. I contacted US Department of Education to receive amount owed they stated they aren't showing a amount just that it is beinging serviced by College Assist and to contact them for the balance. I have requested for years for written proper documentation showing a balance owed and haven't received nothing so I could pursue my options of either paying off amount owed or contacting a debt consolidation to help resolve or file a Chapter XXXX or Chapter XXXX Bankruptcy.

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 2020-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Contacted company on XX/XX/XXXX to inquire why account was still showing Active on my credit report with extended late payments was informed by the credit card company that the account had been sold off in XX/XX/2019 but yet it is still showing the current late pavements a further affect my credit score.

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