vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 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: NC

Complaint narrative:
This is a complaint that is due to an unresolved issue with Trans Union reporting a closed account from XXXX XXXX XXXX a.k.a. XXXX XXXX with 6 late payments reported XXXX and XX/XX/XXXX and XXXX, XXXX, XXXX, and XXXX being reported as 60 days, 90 days, and 120 days Past Due. I filed an initial dispute with CFPB in XX/XX/XXXX and the issue of correcting my account with XXXX XXXX was resolved. My complaint was sent to the FDIC who replied an insert and statement from XXXX XXXX bank stating that they will remove all fees created by an annual fee on an account that I requested to be closed. The letter states that XXXX XXXX will update the trade line with all credit bureaus to reflect no late payments and closed by consumer. XXXX and XXXX have updated the tradeline to remove the late payments in XX/XX/XXXX. I filed a dispute with TransUnion due to their refusal to update the account as positive. The dispute was closed as Verified until I filed a subsequent dispute including the final bill from XXXX XXXX showing removal of late fees and all charges. I also included the letter from the FDIC with the agreement to correct the account by XXXX XXXX. 

Trans Union supervisor on XX/XX/XXXX stated that they can not accept a letter from the FDIC nor the final statement from XXXX XXXX and that they need a written statement on XXXX XXXX letterhead showing that the six payments are to be removed.The FDIC has no regulatory agreements with TransUnion I was told. 

On XX/XX/XXXX I received notice that all six late payments have been corrected and reported as on time, increasing my credit score by 57 points. I thought this was a permanent action. It was not. On XX/XX/XXXX I received an alert at XXXX XXXX that the trade line was reverted back to a negative status with the six late payments reinserted into my file. According to a supervisor, my dispute was closed and finalized and Remains Delinquent. Transunion claims they actually investigated with XXXX XXXX who they say is responsible for refusal to properly report the tradeline. I have uploaded copies of the instant alerts received on XX/XX/XXXX showing the first accurate update and then XX/XX/XXXX showing the account was changed to delinquent again where it remains.

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 2021-02-27 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by XXXX XXXX, and they still reported the payments to the bureaus as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Family Choice Financial, Inc.
State: LA

Complaint narrative:
I have a loan with family choice financial. My loan comes due the XXXX of the month and my husbands loan comes due on the XXXX. They called my phone 11 times as well as calling my work 3 times. They also called my husband 26 times and apparently went to my house twice. This was all just today. I am not even a month past due yet. I was unable to pay on time but when they finally got ahold of us they said if I didnt pay them by tomorrow morning they were going to file legal action against me. I was unreachable because I was at work. I didnt find out about them coming to my house until I got home. Calling a total of 40 times plus two house visits all in one day is well past excessive. It is harassment. I do not always pay my loan on time but I have never skipped a payment. It is wrong to treat customers that actually try to keep up that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MN

Complaint narrative:
On Friday XX/XX/2021 I made the minimum {$20.00} payment due for : XX/XX/2021 at Discover. I used XXXX bill payment next day service that I have used periodically for years with no problem. Discover maliciously Stolen my {$20.00} payment because they have hatred of XXXX Consumers ( as stated by Discover customer service ). I called prior to confirm this payment was on the way but Discover choose not to do business with XXXX where a business can see and monitor " Incoming Payments ''. Discover took back my {$20.00} payment in the form of a Fraudulent {$20.00} Late fee which is total Theft. When I call to have the fees reversed I get a hate speech condescending lecture about using XXXX bill pay by Nasty Discover customer service reps. Disrespectful arguments that have nothing to do with the issue, Discover is hateful of XXXX because they make money in fees from these form of bill payments. Money Discover doesn't get ( and they know it ) so they decide to Abuse and Steal from there customers as reprisal which are unfair business practices. 
I will file a Police Report to this as well. Enough is enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have a savings account that has been freezed by the bank because there has been no activity for 12 months. I have been trying to transfer money from my checking account, but are not allowed. 
Meanwhile, they are taking away {$5.00} monthly. I have contacted them via email and no response. I visited 2 days ago and they were supposed to give me access to my account yesterday, and I still have no access today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: WA

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Atlantic Union Bankshares, Inc.
State: VA

Complaint narrative:
I opened my Atlantic Union Bank account XX/XX/XXXX with Unprofessional woman Named XXXX XXXX at XXXX XXXX XXXX XXXX va She was rude and I had issues with depositing check for alimony Rude tellers XXXX XXXX is a thief and into Extortion and Discrimatory acts and defamation I was in atlantic union bank at XXXX XXXX XXXX XXXX XXXX va and XXXX XXXX said I could not have money money Why not I just got my check I have written five I just mailed my mortgage..she said XXXX XXXX and XXXX XXXX said I didn't want to bank at XXXX XXXX I said what are you talking about I said I want to get money I was threatened by XXXX XXXX and XXXX XXXX and told I was going to go to jail Why I was humiliated I called XXXX Report this behavior to State police and XXXX police XXXX I am waiting for Detective XXXX to call Me and XXXX XXXX director XXXX had the calls XXXX has one too Today I got XXXX from XXXX at XXXX Atlantic union and they refused to give me my receipt I went by Atlantic Union XXXX XXXX XXXX and in drive through line I was attacked by XXXX XXXX She jumped on my car to give me a letter I got in mail that said I had to finish banking by XX/XX/XXXX These Criminals terrorism me I called XXXX as I went through drive through I was verbally banned XXXX XXXX is extorting money Why is she violating FDIC laws?

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 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
This company is in clear violation of FCRA and HIPAA Regulations. I have sent the a certified notarized letter about these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My creditor Chase has reported 1 late payment on both of my active credit cards with the company. I was told that I missed a payment in XX/XX/XXXX even though my credit report says both payments were missed in XX/XX/XXXX. I have sent letters to the company asking for forgiveness of the late/missed payment and I have called multiple times and have gotten rude responses and people who did not want to help. Both late payments were reported in XX/XX/XXXX. 

I also informed them that I was affected by Covid 19, and they still reported the payments to the bureaus as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: OH

Complaint narrative:
I contacted Equifax via mail on XX/XX/2021 asking them to remove 7 hard inquiries from my credit report. I received a response to my dispute on XX/XX/2021 claiming that the disputed inquiries were factual record of file. I again reached out to Equifax on XX/XX/2021 asking the company to do an actual investigation because I was not confident that they did an actual investigation in the 1st place. With the original complaint from beginning to end was around 7 days ( sent XX/XX/XXXX, response received XX/XX/XXXX via mail for both ), which isnt enough time to actually reach out to reporting companies and get a response. I asked the company for proof of their investigation along with proof of authorization and they sent me the same letter that they sent in the beginning without any of they information requested showing proof of investigation. I am enclosing a copy of both letters along with Equifax response to both. Please contact me if you need further information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I'm filing a complaint against PHH Mortgage who is servicing my 2nd mortgage for breaching the terms of our loan agreement ( Mortgage note ) by not applying my payment to principal. I sent in a payment to be applied to my principal that they received on XX/XX/2021 ( according to my bank ) after not seeing it applied I called PHH Mortgage on XX/XX/XXXX, I was relieved that they HAD received my check and that it was to be applied to the principal. However, they mailed the check back to me instead. My complaint is they refused to apply my check to my principal balance. They returned the check and stating they needed certified funds. 

In my Note 4. Borrowers Right to Prepay states that I may make a full prepayment or partial Prepayments without paying any Prepaying charge. The Note Holder will use my Prepayments to reduce the amount of Principal that I owe under Note. 
After I was assured that they received the payment via phone call to them on XX/XX/2021, I received a letter in the mail on XX/XX/2021 with my check in the amount of {$10000.00}. I immediately called and spoke to XXXX  XXXX and was quite livid that they refused to apply my check to my principal balance. They informed me because it was the full principal balance they could not apply it and they have a procedure for paying off the balance. There is nothing in our agreement that states I can not prepay the full balance. When I asked XXXX what amount they would accept as a prepayment he did not have an exact amount allowed. The reason they want the certified amount is to have guaranteed funds that the check wont bounce. One could delay showing loan balance is XXXX after the allotted time ( which they did anyways with sending my check back!! ). I responded the escalation agent if that was the case then just wait until the funds are secure to know. There is no agreement in my note for the Lender to require THEIR OWN PROCESS for me to pay my full principal balance. This is a breach of their agreement. A way to charge more in fees and interest in requiring a payoff. There is nothing stating I need a payoff amount sent to me by them. 
Im tired of financial institutions taking advantage of people, it is unfair for them to not apply payments to principals correctly. This has happened to me in past, it seems to be bad practice with loan servicers for misapplying funds to principal. In Order for me to only pay that amount they are REQUIRING ME to get a pay-off statement ( and it will come with additional interest for XXXX and fees ). I should have no interest to pay in XXXX as the principal should have been paid. Don't they have to follow our agreement and apply my check to the principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my 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 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
I received a letter from a lawyer 's office regarding a credit card debt. The creditor is XXXX XXXX. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the XXXX XXXX. 

I do not understand how XXXXXXXX XXXX can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date Zwicker and Associate posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

Zwicker and Associates are playing games with me in order for them to not to provide any verifiable documents to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
During the summer of 2020, I XXXX XXXX called my mortgage servicing company XXXX to request a Covid Forbearance. In talking to the representative I was not offered a Covid Forbearance, instead the representative transferred my call to a 3rd party debt consolidation company. A few days later I received a package from the outside vendor. I want a 12 month Covid Forbearance as I and my husband have been negatively impacted financially due to Covid and are suffering.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation