vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-05 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: LA

Complaint narrative:
XXXX XXXX failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: LA

Complaint narrative:
XXXX XXXX  failed to give me proper validation of this debt. 

I mailed XXXX XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: IL

Complaint narrative:
My wallet was stolen and someone used my identity to open fraudulent accounts in my name.

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My wallet was stolen and someone used my identity to open fraudulent accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My mortgage was recently refinanced & transferred to Nationstar Mortgage, DBA Mr. Cooper. On XX/XX/XXXX, I contacted them regarding my home owners insurance ( due for renewal in XXXX ), they informed me the policy had been paid that same day. XX/XX/XXXX I spoke to my insurance company & they stated no payment had been received. I paid the policy directly and contacted Mr. Cooper to inform them it had been paid, proof of payment had been sent, and I asked them not to disburse payment from my escrow account, I was ensured no payment would be sent. XX/XX/XXXX I received an email confirming payment to my home owners insurance. I contacted Mr. Cooper again to discuss my ( now ) negative escrow balance, while on the phone, I noticed the payment for my property taxes was scheduled for XX/XX/XXXX, however, my property taxes are due no later than XX/XX/XXXX. I contacted my assessor 's office to ask that my property tax bill be sent to my new mortgage company, they informed me they don't do that, the mortgage company should contact them. I made an escrow deposit to cover my taxes and have since contacted Mr. Cooper twice to discuss payment of my property taxes, they continue to tell me they will be paid before XX/XX/XXXX, however, my account still reflects a property tax due date of XX/XX/XXXX. If I knew I could pay my own property taxes and trust that a Mr. Cooper agent would property notate my account to avoid a double payment, I would do so, however, based on my experience with my insurance, I can't trust anything they tell me. Mr. Cooper has been my mortgage company for fewer than 60 days and in this time I have had to contact them numerous times. Wait times are typically 10 minutes and I have yet to speak to a competent agent. I shouldn't have to babysit my mortgage company to ensure they are making accurate escrow disbursements in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: OR

Complaint narrative:
On or about XX/XX/XXXX, I bought {$100.00} worth of bitcoin on cashapp. I want to make a withdrawal. They need ID which is fine. I scanned my DL and they said it needs to be a US ID. Oregon is in the US. They did, within the last year, change the design of our DL. I contacted their support ( which is only by email ) they gave me an IRL to upload pictures of my ID and a selfie of me holding it. I did this. Several days later I contacted them to see if they have received it. The email sent me through the same process. I dont think real people are answering the emails. So I tried a couple more times and got the same canned reply. On XX/XX/XXXX I received an email they are closing my complaint because they hadnt heard from me. Now they wont respond at all. I called the bank which they work with. They said they dont deal with cashapp issues. Now I am contacting you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Currently in forebearance ; have tried to contact about loan modification the last two months without response via online, phone, and email. As of XX/XX/2020 it shows a investor full settlement even though we have requested a loan modification and have not been notified. Why isn't my servicer answering any of my correspondences? 

XXXX XXXX  - Loancare Servicing XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
We have a prominent national vehicle financing co. ( Hyundai Finance ), who calls us repeatedly over and over and over and over again, multiple times per day, and when we answer the phone nobody speaks or talks. They also call from phone numbers which often have no way to call them back on that same number. 

When we answer, and if they do finally speak to us, they just keep asking for our name over and over again without telling us what the reason for the call or identifying themselves. When we finally get someone on the phone, they threaten to repose our vehicle, although we are only 1-2 months behind a payment. 

We find this level of harassment and threats unnecessary, very rude and mean spirited. Do these companies not have any responsibility or consequences for this type of belligerence to their customers? 

Consumers, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Toyota Motor Credit failed to give me proper validation of this debt.

I mailed Toyota Motor Credit a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A few years ago I tried setting up auto-pay. It was a disaster. I was told to continue paying the bill until I got a notification that the auto-pay was established. I never got a notification, and so I continued to pay the bill. Suddenly, BofA debited my checking account for the most current bill even though I already paid it, so I had a credit balance. The following month I was debited again, retaining the credit balance. When I called and asked I was told there was " nothing that could be done about that. '' I asked for the refund of the credit balance but that request was denied. So my only recourse was to cancel the auto-pay, let the credit balance get used, and then continue to pay manually each month. 

Fast-forward to a few months ago. I tried once again to establish an auto-pay. After digging, I finally found the section on the ( very poorly designed, and I spent the latter part of my career designing websites and working with programmers, so I do know what I'm talking about ) website section, entered my account information, got no error messages, and moved on. I never got an acknowledgement that this actually happened, and so I've been paying manually. 

Today I called customer service to find out if the auto-pay is set up. I was told by XXXX, the customer service representative, that there was no auto-pay set up on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05 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: AL

Complaint narrative:
on XX/XX/2020, I filed a dispute with the TransUnion credit bureau about two unverified accounts XXXX  XXXX Account # XXXX and XXXX  XXXX Account XXXX XXXX. on XX/XX/2020, I filed a No Response Regarding Disputed Information After 30 Days notice to XXXX  as well! In those two months, I have asked numerous times for a response and I have not received anything from this credit bureau in over 30 days which is a violation of the Fair Credit Reporting Act. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today and I am asking for the deletions of these two accounts. Thank you for your cooperation!

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 2020-11-05 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2020 my credit reports reflects a late payment with my auto loan through JPMORGAN Auto/XXXX XXXX XXXX. I have contacted Chase Auto, Chase Auto provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided XXXX  with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a refinance with Amerisave mortgage in XXXX around XXXX, 2020 its been 3 months since Ive been waiting to complete my refinancing. 

I have been told I am approved but nothing seems to be moving forward. The salesperson/ loan originator did everything really quickly and I was charged a {$500.00} application fee upfront for applying and was told I should close within 60 days. Iam over 90 days now and the loan originator XXXX advised he does not have control of the application now since its in processing. I have been in contact with the loan processor XXXX XXXX but every week he has the same story to tell that he is waiting for mortgage payoffs from my current lender. He has now probably blocked my number since it directly goes to voicemail every I try to call him for the past week. I spoke with XXXX and he gave me XXXX supervisor contact and iv called him several times and left voicemails but I havent gotten a response back. The supervisors name is XXXX XXXX ph : XXXX. Iv also tried to speak with the Vice President of sales via contact with social media and he called me to say he will expedite my process but that was 3 weeks ago and now he does not answer my call or return my calls. V.P salesmans name is XXXX XXXX ph : XXXX. 

I need my refinancing done ASAP as Im holding my financial decisions to other things just because of this and because no one emails or contacts me with any details, I strongly believe there is a scam going on with this Company. Even theirs reviews speak what Iam saying. 

My application number is XXXX My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: PA

Complaint narrative:
I have a fraudulent account listed on my account from XXXX XXXX XXXX  XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the sane way that XXXX  and XXXX  has done on their end.

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 2020-11-05 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: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  Data Breach and that may have gotten in the wrong person 's hands

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 2020-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Greetings Sir/ Madam I am trying to repair my house, which caught on fire due to lighting in XXXX XX/XX/2020. I received a check in XXXX in which I knew it would not cover the damages. But the Insurance sent out the minimum and the mortgage company and I signed it. However, I got a Public Adjuster and got a litter more money. And XXXX XXXX at Quicken loan been given me a hard time since. She said I didn't tell her I was receiving more money. I didn't know. And I still don't know if I am receiving more money. However, when I sent the 2nd check for the loan mortgage to sign it took a month for her sign it. And she didn't even send enough to pay the Public Adjuster and the the new contractors I hired. Because the first check I used to fix the roof, floors, front and back door. However, I sent them the contract license they kept harasing about. Because I sent a permit at first.. I live in HOA and you can not do any kind of work without a permit. A permit have the contract license on it.. I didn't understand what she was talking about or about the process. Nevertheless, when I started preparing for a lawyer. And I emailed the company, then she reached out and said she explained everything to me. And I will need an inspection. I did an virtual inspection a week ago. And sent all the contract license. And now they asking for another one. And they told me they will give a call in about 4 days. And that past. My house is not livable. I have not lived in my house since XXXX. My contractor is waiting for the permit for drywall to be put up. It should be here any day now, but I won't have all the funds, including the funds to install the AC, appliances and some Plumbing, Etc. My Insurance company already threaten me that they will not give me an extension on my living situation again. And quicken loan know this. And Quicken Loan mortgage company continue try to strew and harass me.. And they just just sent a second letter saying we paid your insurance which had triple. But they can't send my money to fix my house. In which I am not living in at the moment. And my mortgage continues to go up at year. And the last settlement check was for STORM DAMAGE, a previous settlement I was never paid. Quicken Loan is a fraud just like the my Insurance Company. However, I would like my financial paperwork investigated too. Because my Escrow account should not be negative every year. I am a XXXX  XXXX  XXXX  veteran I should not be paying taxes. 

PS : I also Have the emails I have to scan them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown and Joseph, Ltd
State: ME

Complaint narrative:
XXXX I called and left a vm no response on two occasions XXXX I emailed them no response two occasionsXXXX the company is called XXXX and XXXX number is XXXX address is XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore, after two requests, has not proved the loan in the referenced letter is the responsibility of the mortgagor or an encumbrance of the listed property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05 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: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have 2 accounts with Suntrust, a mortgage, and home equity line of credit for my house. 
both accounts were on forbearance with the company due to covid with auto-renewal. 
I had my mortgage for 21 years and home equity over 10 payments were always on time. 
My mortgage got auto forbearance but equity without my knowledge was not extended. 
I did not get a notice. The bank reported to the credit as been late. I called the bank and I was told there was nothing they can do I needed to dispute it with the credit bureau and due to internal issues equity line did not get auto forbearance like the mortgage account. I made the equity line payments to bring the account current and on time with Suntrust but the credit report still shows late. This action brought my credit down significantly I am in process of refinancing this will affect my ability which I work very hard. I want Suntrust to reverse their action on the credit 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 2020-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am trying to temporarily lift my credit freeze so I can apply for a loan. Every single time I have tried to log onto the website it does not work and gives me a number to call. I call the number and the employees are ignorant, incompetent and rude and barely speak English and never fix the issue but or lift the freeze by phone but keep resetting my password and telling me to do it online then when I reset it and try to go in it allows me onto the site but when I try to unfreeze it the word Unknown shows and gives me the same number to call that I just called!! I have wasted two days and talk to two reps who will not or can not do their jobs!! I work for the government and dont have time to waste with them. It is illegal for them to not unlock my freeze when I request it, they verified my identity but did not do so!! Please contact them AGAIN! I wish you would just shut them down they are a complete burden to all!!

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 2020-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
I missed my house pymt by accident. Its the first time in my XXXX years Ive ever missed a pymt. When I contacted Penny Mac to let them know I made a mistake in missing the pymt and wanted to take care of it. I paid both XXXX and XXXX pymts and had told them I have never missed paying my house payments. PennyMac reported it to the Credit card bureau that I missed a pymt. No one at PennyMac would talk to me about why they sent it. I have worked very hard to get my rating up to were it was before PennyMac ruined my credit score. I want my score reinstated back to wear it was.

Company response to consumer: Closed with explanation