vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXXXXXX no information regarding payments with Transunion. XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

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 2021-02-23 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit for the whole month of XXXX every week have been increasing my debt by {$1.00} then next week decrease it by $ {$1.00}. This is absolutely ridiculous and illegal. My score I has just decrease 39 points because of this tatic they are doing. I dont own that account and they has no right accessing my ctedit file to do this tactic. I will include proof of whats happening and I want them held accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021, I received a letter from Amerisave Mortgage Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Phone XXXX. This letter said that I had ordered a credit report to determine my qualifications for a mortgage. I ordered no such report from this organization. 
When I called them the same day, I was told that I had given permission by looking at some website and that gave them permission to look at my credit. When I advised them that I gave no such permission I got the same story again and again. They refused to acknowledge same and I discontinued the call. 
I consider this a form of identity theft and want to know what my legal options are. 

Thank you,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
the bank is stealing funds and illegally charging my account. They claimed i withdrew XXXX dollars when you can only withdraw XXXX dollars a day. Then they charge me a fee to get my receipt from the atm at the bank. They told me my account was overdrawn which is why I put XXXX dollars in the bank.. In the past they gave collection companies access to my account without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I was enrolled into credit protection for this account without my permission. Upon trying to cancel it they tell me they can't see it and to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a claim with Equifax on XX/XX/XXXX it is now XX/XX/XXXX and has been more than 30 days called to try to see what was going on and didnt get a clear response according to the law they have to release to fix it or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
PennyMac Call Requests/Voice Servicing Call Requests provided to me were incomplete. 

Loan # XXXX Regarding CFPB Compliant XXXX previously filed. 
Missing - Pennymac did not comply with providing call logs specifically requested for and related to the following dates : 1 XXXX XX/XX/XXXX Spoke with XXXX 2 ) XX/XX/XXXX Transferred spoke with XXXX. 
3 XXXX XX/XX/XXXX Loan Mod Paperwork Request 4 ) XX/XX/XXXX XXXX XXXX. Spoke with XXXX 5 ) XX/XX/XXXX Spoke with supervisor XXXX  6 ) XX/XX/XXXX. Spoke with XXXX. 

My expectation is that PennyMac complies and sends me the above complete phone call/voice servicing logs that were missing from the CD sent to me. 

Additionally, the following call logs/voice servicing logs are a new request made XX/XX/XXXX via two phone call requests and two website messaging requests. Additional follow-up requests will be made today, XX/XX/XXXX, using PennyMac 's website messaging system and via email to XXXX. 

Pennymac has exhibited reluctance providing copies of phone calls/voice servicing logs, and answer questions related to the following dates, stating different requirements to fulfill ( such as going through online messaging or submitting a subpoena in order to request call logs ) 1 ) XX/XX/XXXX to XX/XX/XXXX a. XX/XX/XXXX XXXX at PennyMac transferred me to Modification Team b. XX/XX/XXXX Spoke with XXXX Customer Service. Transferred me to XXXXXXXX cXXXX XX/XX/XXXX XXXX transferred me dXXXX XX/XX/XXXX XXXX XXXX. XXXX with XXXX. Transferred me to loan mod dept ( XXXX? ) e. XX/XX/XXXX XXXXXXXX XXXX. XXXX with XXXX. Transferred me to loan modification dept. 

f. XX/XX/XXXX XXXX XXXX XXXX with XXXX gXXXX XX/XX/XXXX Spoke with Customer service. Transferred call to loan modification team. ( Spoke with XXXX? In loan mod dept. ) hXXXX XX/XX/XXXX XXXX with XXXX in escalation Unit. Transferred me to loan modification dept. 

i. XX/XX/XXXX XXXX with XXXX. Transferred me to XXXX in XXXX mod dept. 

j. XX/XX/XXXX XXXX with XXXX. Tx to XXXX. 

k. XX/XX/XXXX I spoke with XXXX at PennyMac l. XX/XX/XXXX XXXX XXXX. XXXX with XXXX at PennyMac Cust service My expectation is that PennyMac provide all of the new call requests, along with the previously requested call/voice logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX. Equifax shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: TX

Complaint narrative:
Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.

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 2021-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
TIAA is delaying giving me PAYOFF statement. My new refinancing company and I have request it 6 times since 3 weeks ago. TIAA keeps on saying it is processing and that it takes 3 business days. I think TIAA is avoiding issueing payoff statement and is trying to delay my refinancing. Here 's the info of the TIAA -- XXXX : XXXX Loan Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a letter yesterday saying I requested Rooms to Go credit product. I have never been in a Rooms to Go store or purchased anything online. It is dated XX/XX/21 and the credit needs to be called in by XX/XX/21. It is with Synchrony Bank. Someone is trying to use my name to get a credit card or something similiar.

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 2021-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: OH

Complaint narrative:
On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, XXXX XXXX is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a XXXX XXXX representative XX/XX/XXXX in which she confirmed on a recorded phone call XXXX XXXX received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( XXXXXXXX representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.

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 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at XXXX, Transunion, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 XXXX, Transunion, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.

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 2021-02-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/XXXX ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 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: OH

Complaint narrative:
On XX/XX/XXXX, I submitted an written dispute to Experian regarding multiple accounts that are reporting as inaccurate on my credit report. The following accounts are as follows : XXXX XXXX : Currently reporting incorrectly as 14 charge-offs, with an balance of {$5700.00}, which is inaccurate balance. I have asked them to conduct an proper investigation to question the validity, and on XX/XX/XXXX, i received the results line as verified. There is also 3 more accounts that has continued to report as verified, and they are as follows : XXXX Now- Reporting as a charge-off with an amount of {$2000.00}. This is not reporting 100 % accurate. Experian has declined to provide me with their method of verification. 
XXXX XXXX XXXX services : Balance- $ XXXX This company continues to report an inaccurate information on my credit file, and XXXX XXXX has also failed to provide proper validation upon written request. Experian also continues to report as accurate and has declined to provide me with method of verifying that the account is 100 % accurate. 

XXXX/XXXX : Balance : $ XXXX Continues to report inaccurate information as 2 accounts that are charged off. Experian continues to report as verified and has not conducted a proper investigation into the maximum accuracy of this account. I also submitted an letter on XX/XX/XXXX, exercising my rights under the FCRA, asking Experian to provide me with the original contracts and methods used to verify that the information that they are reporting is 100 % accurate On XX/XX/XXXX, I received an online notification that an multiple account disputes were open. On XX/XX/XXXX, i received a letter stating that the information was verified, and that these accounts will continue to report as accurate.

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 2021-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Pavilion Payments US BuyerCo, LLC
State: GA

Complaint narrative:
I have two checking accounts with my financial institution XXXX XXXX, in which have been establish for over 13 year. One checking account ending in XXXX and XXXX. Both accounts are legit and are linked to each other for transferable financial interaction. The checking account ending in XXXX, was the account rejected by a payee of a bill and the account also serves as a OVERDRAFT ACCOUNT because of substantial amount of funds are that are kept there on a daily basis, and both accounts are liked to a financial institution major credit card with the capability of also covering funds and transfers. I don't understand the rejection of the check written under account XXXX. I would like this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX. They are the debt collections agency for XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX. 

I believe they violated the law by using deceptive and unfair collection practices and ignoring the 30 day period allowed for debtor response by mail. 

The first letter they sent to me in XX/XX/XXXX was an offer in writing with terms for me to satisfy the debt at 50 % payment {$660.00}, but also stated that it was " subject to change '' and I can only get a verbal final offer. I think this sets up the collections agency to be able to harass me over the phone, or do a bait and switch for settlement terms. It is my understanding that collections agencies are required to make all notices in writing and requiring a call violates noticing law. 

I responded in XX/XX/XXXX making them a counter offer of {$500.00} if they agreed to show the account as paid in full and remove it from all my credit reports. I agreed to pay them within 30 days of receipt of an acceptance letter. In return, they mailed me a letter stating that they would only take {$660.00} and it had to be received in their office within 15 calendar days. The assumption period for a debtor to receive a piece of mail is 5 business days, and the amount of time I have to respond is 30 days after the date of receipt of the letter. Demanding the letter be returned within such a short amount of time violates the CFPB allotted time period for correspondence. This was also in the month of XX/XX/XXXX when mail across the nation was delayed which creates an even more unreasonable burden which I noted in my response letter to Fair Collections & Outsourcing. I responded with another counter offer stating that I would pay the {$660.00} if they agreed to remove the collection from my credit reports, mark the account as paid in full and accept payment within 30 days of my receipt of their letter. The mailed me a letter agreeing to these terms. 

They deposited a check for {$660.00} on XX/XX/XXXX. As of today, XX/XX/XXXX, my XXXX credit report does not show the debt as being paid at all and my XXXX credit report shows it as being only partly satisfied. I specifically said I would only pay if it showed paid in full and fully satisfied. They mailed a written agreement to terms and have violated these terms. This the definition of a deceptive practice and they did not uphold their side of our written agreement.

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 2021-02-23 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BARCLAYS BANK DELAWARE Inquired on XX/XX/2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.

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