vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Royal Pacific Funding Corporation
State: CA

Complaint narrative:
On XXXX I contacted my mortgage company to request a copy of my Note and my home owners insurance information. I was instructed they will e mail me the copy. I waited next day on XXXX I called them back they said they didn't have my insurance information I told them I would get that from my provider. but I still need the NOTE ''. they e mail me a note of someone else 's home. that was on the XX/XX/XXXX, I call them back on XXXX then this was escalated to an escalation manager XXXX XXXX. He said he will start working on it right away, and for now he will send verification to me so that I can use for my refinancing which on a three way call with my new lender was agree to use that for now but we will still need the Note '' to close. XXXX informed me he had just assigned someone to this from the custodial because apparently they have been waiting for my Docs to be sent to them and that is why they don't have my Note '' they apparently been waiting for three years for this docs, is when I bought my house.. I call XXXX back on XXXX at XXXX spoke to XXXX employee then hang up on me, then call me back only to repeat what I have been told now for the past week. XXXX did call me back saying the same thing they are working on it and they can not find it, custodial has not send it. This is a big problem for me because for one they are leaking personal information to total strangers may be just like they sent me someone else 's note they have my information in someone else 's file. with them not having my Note '' and not giving it to me, I will loose this interest rate I just locked if I don't get this Note '' in time. please help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
I have resolved my identity theft issue with the original creditor. Contract callers XXXX states that they have requested this be removed from my credit clear back in 2017 yet it remains on my credit report. I have attempted to resolve this with CCI but they refuse to contact the credit reporting agency again to have it removed because they technically do not own this debt any longer. 

XXXX XXXX  XXXX  are all still reporting this as an open debt in collections when in fact it has ben closed since 2017

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 2020-11-11 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: NC

Complaint narrative:
XXXX  KEEPS REPORTING INFORMATION ON MY CREDIT FILE THAT THEY KNOW DOESNT BELONG TO ME, I HAVE DISPUTED XXXX XXXX AND XXXX XXXX  FOR THE LAST 9 MO AND UPLOADED POLICE REPORTS AND ARREST REPORTS AND FTC REPORTS AND COURT DOCUMENTS AND XXXX  AND TRANSUNION STILL KEEP THIS LOAN ON MY 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 2020-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I ( XXXX ) sent XXXX dollars ( {$75.00} ) to my friend ( XXXX ) on Monday XX/XX/2020. I have sent 11 emails back and forth trying to get it resolved. I have followed all of their suggestions but it turns into a loop of unhelpful support. 

They said if I provided proof that my friend ( XXXX ) can not access the account then they could refund me. When i provided proof, they said they are unable to help and that i need to request a refund ( I had already requested a refund, thats how the emails started ). I told them i already requested a refund and they told me they are unable to help. 

She has not had access to this account, therefore has not accepted the funds and can not be considered a completed payment. Per section 7 of their Terms and Service Agreement " P2P Payments not claimed by a Recipient for fifteen ( 15 ) days after the processing has begun will be canceled automatically. We will attempt to return any unclaimed, refused, refunded, prohibited, or denied P2P Payment to your Eligible Transaction Account or Eligible Credit Account, as applicable. If we are not able to do so, we may use other reasonable means to return the P2P Payment to you, as permitted by applicable law. '' They have not confirmed the funds will be returned to me after 15 days and I've asked multiple times. Nor have they provided any solution using other reasonable means to return my payment to me, as permitted by applicable law She has also given them permission to move the funds ( to her active account or back to me ). Per Section 8 of their Terms and Service Agreement " If you receive a P2P Payment and we later determine in our sole discretion that the P2P Payment was invalid for any reason, you hereby authorize us to move funds from the applicable Eligible Transaction Account or Eligible Credit Account in an amount equal to the P2P Payment. '' But they wont do anything to help. My money is in limbo and its just a matter of not being scammed at this point. i HATE this company and will not do business with them ever again. 

Ive attached both mine ( XXXX ) and my friends ( XXXX ) email conversations with support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
During the Covid shutdown I called capital one to explain my hardship of not working. They agreed to forgive my payment in XXXX but moved the payment to XXXX. So I had to make XXXX and XXXX payment. In XXXX I had to make XXXX, XXXX and XXXX payment and so on. I could not afford that kind of money since I had no monthly income. I did not get unemployment. As a result, they charged off my account and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: NC

Complaint narrative:
EXPERIAN KEEPS REPORTING INFORMATION ON MY CREDIT FILE THAT THEY KNOW DOESNT BELONG TO ME, I HAVE DISPUTED XXXX XXXX  AND XXXX XXXX FOR THE LAST 9 MO AND UPLOADED POLICE REPORTS AND ARREST REPORTS AND FTC REPORTS AND COURT DOCUMENTS AND EXPERIAN AND XXXX STILL KEEP THIS LOAN ON MY 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 2020-11-11 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:
I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2020-11-11 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:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/ Letter 3 :XX/XX/2020Letter 4 : XX/XX/

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 2020-11-11 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
Filed for forbearance back in early XXXX of this year due to COVID-19. Got approved for 6 months. Filed because I am a sole prop. and business had completely halted due to the SIP order by the state of CA. 

Many of my prospective clients either pulled their contracts OR we could not get to their construction due to the SIP order. Business took a big hit. 

Per my finance who holds my mortgage loan, my missed payments will not be reported to the credit bureaus but yet I see it on my 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 2020-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX. My home address in XXXX XXXX XXXX, XXXX, NY XXXX. My loan number is XXXX. 

I have made several attempts to work with my mortgage company XXXX TIAA Bank XXXX on a solution for the amount owed to them due to the mortgage forbearance plan I took in XX/XX/2020 as a result of COVID-19. I have applied for a payment deferral in XX/XX/2020 however TIAA Bank has not yet provide me an update on my application and now they are requesting me to pay the entire amount due. I have started making regular mortgage payments since XX/XX/2020 but I can't afford to pay the entire amount due. TIAA Bank is unwilling to help me find a solution so I can stay in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

Transunion is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XXXX is reporting XX/XX/XXXX. 

XXXX  is reporting a balanced owed as {$890.00}, Transunion is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my XXXX report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also transunion is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.

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 2020-11-11 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: TX

Complaint narrative:
XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX  is reporting the date of last activity as XX/XX/XXXX. Experian is reporting XXXX is reporting XX/XX/XXXX. 

XXXX is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and Experian is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my XXXX  report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX  is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.

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 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX  is reporting XXXX is reporting XX/XX/XXXX. 
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 



XXXX is reporting a balanced owed as {$890.00}, XXXX  is reporting {$890.00} and XXXX is reporting {$820.00} Midland is also reporting a past due balance of XXXX on my XXXX  report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CBC Companies, Inc.
State: MA

Complaint narrative:
They didn't place a freeze on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Harley Davidson Financial Services Inc
State: LA

Complaint narrative:
I filed for bankruptcy and it was discharged XX/XX/2020. My loan with XXXX XXXX was included in my bankruptcy. After my BK was discharged, I disputed the info and the notation was updated to XXXX balance. Since then, XXXX XXXX has continued to update my balance on the account as outstanding & not included in bankruptcy. The latest update on XX/XX/2020 on my XXXX credit report listed the account as having a balance of {$10000.00} and the remarks state charged off/affected by natural disaster/fixed rate amount in high credit is original charge off amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: ID Analytics, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I requested a security freeze placed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XX/XX/2020 XXXX inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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