vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
To Whom It Concerns : As a home owner with a mortgage, I have accepted the financial responsibility and obligation to ensure receives Roundpoint Mortgage receives my mortgage payment - principal and interest inclusive of administrative fees for servicing the loan. Every month. Even during a time when so many are unable to pay their mortgage. Every month. On time. I pay. 

As the mortgage lender for my primary residence and in receipt of my monthly payment, Roundpoint Mortgage has a fudiciary responsibility to ensure that escrow is appropriately calculated and payment made for all county/property, city, school and home owner 's taxes. In connection with the XXXX full year school taxes due on my behalf to XXXX XXXX XXXX by XX/XX/XXXX, Roundpoint Mortgage has not met its obligation. 

In summary, after contacting Roundpoint via phone and email on XX/XX/XXXX, following up on XX/XX/XXXX, and again on XX/XX/XXXX ( I initiated all follow-up as there was zero communication from Roundpoint after the standard " thank you for contacting us email '' ), I was casually told by a representative, " we will not be paying this today. '' Escalation. 30 minute hold times. Unacceptable to say the least.

Over the last month, I have had 4 calls with XXXX from the customer service escalation team ( XXXX, XXXX and XX/XX/XXXX. ) I was informed by her that the issue would be resolved by XX/XX/XXXX and it has not. As far as I know, Roundpoint has not paid the appropriate tax and I may be in default on my school taxes ( the tax bill is in excess of {$6000.00} ). 

It is not my concern that XXXX sold my mortgage to Roundpoint and Roundpoint then merged or sold the mortgage to XXXX. What I do care about is that my mortgage, and related taxes are paid in a timely manner. What is Roundpoint doing with my funds held in escrow? They earn money on the money collected from me, which is to be reserved and used to pay applicable taxes and home owner 's insurance on my behalf. That was not done in a timely manner. 

I have requested that all remaining correspondence concerning the matter be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
There was a loan of {$2500.00} taken out from regional finance on XX/XX/2020 using my name, fake email address, phone numbers i do not recognize, and my accurate drivers license number. I was not aware until XX/XX/2020 when i checked my credit karma which I then disputed right away. I have made a police report, sent an affidavit I was asked to complete, and filled out paper work the loan office. I disputed the loan from my credit and it came back as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I Contacted the Winn Law Group who are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I contacted them at XXXX XXXX XXXX XXXX on XX/XX/21, XX/XX/21, XX/XX/21 and left messages on their voice mail system. I never received a return call. 

On XX/XX/21 I spoke with customer service clerk XXXX at extension 107. Faxed and emailed paperwork requested. 

XX/XX/21 -called to follow up and left a voice mail. 

XX/XX/21 -spoke with XXXX ( customer service supervisor ) informed her the requested collection was not my debt and asked the process to dispute this account. I was placed on hold for for 1 hour. I then attempted to call back and was forwarded to a voice mail where I again left a message. After calling and pressing another extension I spoke with an XXXX who stated " no one was available, and I could not speak with anyone ''. I asked to speak to any lawyer who was available and he then stated he would transfer me and the phone disconnected on the business end. I called back and was forwarded to voice mail. I left a message and yet to receive a return call. 


XXXX Left a voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Hello, Thanks for considering my issues that I have about my credit report. I had a car lease from XXXX from XX/XX/XXXX and the maturity date was on XX/XX/XXXX. I did extend up to three month until XX/XX/XXXX. But right then I flew out of the country on XXXX XXXX to attend my Father as he was admitted in XXXX. He passed away on XXXX XXXX. I couldn't return back right after as the lockdown implemented and flights were cancelled indefinitely. I booked a special flight on end of XXXX and retuned the car on XXXX XX/XX/XXXX. I wasn't paid at my time of absence while I was out and did pay two months lease and missed few month payment since I couldn't afford anymore. 

While returning, I paid the remaining fee and disposition fee. The vehicle was not drive from the day I was out and I did cancel my insurance for that time period. 

I have all the proof of my departure and arrival back into the country and my father 's death certificate as well as stamps in my passport. 

But I've accumulated four late payment marks in my credit report and the credit score dropped significantly. Just because of that, I couldn't lease a car from the same manufacturer or anywhere else. I have also problem in leasing an apartment or anything else that related to credit check. Looks there is no more hope for me in moving forward. 

Had there was no pandemic or lockdown my situation would be normal like anytime before and I would have been in a different comfortable situation. Things were not in my hands and it just happened likewise for everybody else. 

I kindly request you to consider my situation and look into this matter for a positive outcome. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA

Complaint narrative:
I wanted to refinance my home mortgage and after some shopping around I decided to apply with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. He started the process and I provided him with all financial documents he asked for. He quoted me 30 years fixed at 2.50 % with XXXX cost to the borrower. I asked him to lock the rate for me, but he told me not to worry and that he'll guarantee the rate. I told him every time I refinanced they lock the rate for me, he again said not to worry. I do have email communication from him and below are what he told me in the email : " Regarding the lock, we wait until the underwriters have verified your information before locking technically. However, I stick to my quotes and will honor the rate I gave you initially. '' Here is another email he sent me telling me why they don't lock the rate and telling me at the end I will get the 2.50 % rate : " The reason is that because we lock for a shorter period of time, we are able to give lower rates to our borrowers. It is part of why we have some of the lowest rates in the state. On top of that, because of COVID, the notaries are charging more and giving us less time to schedule so we have to wait until everything is ready before we schedule with them and all has to be done within 21 days of locking. So there are many reasons, but in the end it benefits you the most. You still get your 2.5 % either way, it is just a matter of waiting until the right time. Let me know if you have any more questions. Thanks. '' After all that the rates did go up and he wasn't able to keep his promise and I had to cancel my mortgage refinance application. This is very unfair and I think they should be penalized for what they did.

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 2021-01-23 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: CA

Complaint narrative:
Equifax is reporting a closed paid account in the collections section of reporting. These two accounts should be a closed paid account not collections. My lender noticed this and said I need to have this removed and either deleted or put in paid closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IA

Complaint narrative:
On XX/XX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IL

Complaint narrative:
I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as XXXX & Equifax are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: IL

Complaint narrative:
I have submitted several complaint to XXXX XXXX sent me a response that they deleted this change off on XX/XX/20. it still has not been removed from my credit file. As well as Experian & XXXX are reporting this incorrectly. I submitted method of verification to credit reporting agncies and they do not provide explanation of verification

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 2021-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
On XX/XX/2020, I disputed an fdcpa violation on my credit report and TransUnion has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.

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 2021-01-23 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:
I have two loans with XXXX that were charged off. The accounts were purchased by XXXX XXXX who made a settlement agreement with me. I have provided proof that the accounts were settled in full to Experian over 10 times and they refuse to correct or delete the account.

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 2021-01-23 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: AES/PHEAA
State: MI

Complaint narrative:
The accounts that I disputed wasn't fixed by the company at all. When I requested verification of the debts it came back verified when it wasn't verified by the creditor. How can it come back as verified with the credit bureaus when the creditors couldn't verify the debt and This inaccurate information on my credit is preventing me from purchasing a home and is effecting my true credit score. The credit bureaus went well over the 30 days multiple times and I feel like this should be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
On XX/XX/20 I submitted a complaint with the CFPB about a dispute I filed with Equifax on XX/XX/20 in regards to fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

This account is ruining my reputation and it is also defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was a former customer of XXXX XXXX XXXX XXXX formerly XXXX  XXXX  for 17 consecutive years. I used their services at my various homes over the years without incident until I moved to XXXX, Fl. I followed the routine process to return equipment and tally up my account before transitioning to my new home. When I moved to XXXX, FL from XXXX XXXX, FL I decided to change providers and not continue with the XXXX  service. My new XXXX XXXX XXXX  ( XXXX  ) - XXXX XXXX XXXX began service on the date I terminated my contract with XXXX. There was no additional month or additional fees or equipment missing when I transitioned these services. I am XXXX years old and have owned and lived around the country ; obviously a mundane change in accounts is routine. 

However, XXXX billed me for {$230.00} claiming I owed this debt. I disputed this debt through numerous phone calls and correspondence explaining this debt is not legitimate ; and was assured each time ( by XXXX  initially ) it would be resolved. Instead, I was sent to collections and have been harassed by various collection agencies requesting written notice in 30 days to dispute the claim ( standard language used ) and have disputed each claim for these past 4 years. I have evidence of these communications, where the incidents are temporarily resolved to my satisfaction after tremendous effort and oversight on my part only to begin again when the debt is sold. 

This tactic of changing collection agencies and resuscitating attempts to collect on a fraudulent debt is harassment ; there is no other explanation after trying to resolve this issue in a reasonable manner. I am requesting your assistance as I have exercised my due diligence in resolving this concern since 2017 ; and I am going into my fourth year experiencing this harassment. I will not pay fraudulent expenses attributed to me that are not legitimate. I have an outstanding credit history and have always paid my debts on time. XX/XX/XXXXhas not exercised good faith and has certainly lost my good will for the barrage of incessant harassment towards me, a long-standing customer that responsibly paid each and every bill over numerous years and attempted to resolve this concern. I thank you for working with me and look forward to hearing from you. Regards.

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MN

Complaint narrative:
This letter is a formal compliant that you are reporting and incomplete credit information. 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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 2021-01-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I had to pay a utility bill in a home that I never lived in. Was XXXX XXXX XXXX stationed in Hawaii. Sent proof of my residency. I was told if I paid it they would remove it off my credit report. Penn credit corporation XX/XX/2020 XXXX. Paid in full and not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems attached a collections of {$91.00} on my credit. The debt is from XXXX XXXX XXXX. I've never lived at XXXX XXXX XXXX. I've spoken with National Credit Systems, and it didn't resolve anything. I've filed with XXXX and they've removed the collections from my credit. I called XXXX and filed a dispute on XX/XX/2020 at XXXX, and the only thing XXXX did was send me a credit report, but didn't send results of my dispute. XXXX XXXX website doesn't even show my dispute. Meanwhile, XXXX  said I owed the debt, but didn't offer me any evidence. I don't even believe they investigated the dispute like they claimed. My credit information has all the places I've lived, and XXXX XXXX is not one of them. XXXX  and XXXX  is allowing my credit to be tampered with.

Company response to consumer: Closed with explanation