vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
My problem is Ive tried to make a payment by phone, all three failed. It took me months of complaining to find out in an email, Quicken/Rocket used a QL  account that I set up at the beginning of the loan in XXXX. I havent used that account in five years and dont remember the password. The point is I never said to use that account, why else would I read off the routing and account numbers? And why didnt they tell me they were using the QL account? Or at the very least verify the numbers? The last time on XXXX, XXXX XXXX ; I was specific to tell her not to use the QL account, but use the numbers I read. But again she used the QL  account I said not to use. Did not verify the numbers or even tell me that she was using the QL  account. Quicken knew the numbers were not correct according to their own email on XXXX. My question is : can Quicken legally lie to the customer and not use the numbers given? In all three times, I was lead to believe they were using the routing and account numbers I gave. Why else would I read the numbers? I feel my rights have been violated by Quicken and am asking for advice. They want me to pay the two late fees of {$35.00}. Had Quicken used the numbers I gave we would not be here. I have asked for the transcript of the phone calls, but they have not shown any evidence at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
During the COVID-19 Pandemic, I got behind on my mortgage helping take care of elder family members and other family members due to the pandemic. I applied and received a forbearance of my mortgage payments under the CARES-ACT. At the end of the forbearance, I spoke with the representative of Carrington Mortgage about the different options of repayment. She explained the options, while I looked at it online and completed the forms via over the phone. When the papers came in the mail, the papers were different from what was discussed on the phone. The papers detailed the plan of repayment, but a lump sum was due to be paid after the loan term ended. When it was explained and discussed over the phone, the missed payments were supposed to be put at the back ended of the loan and I would just continue my current monthly payment. So, I called Carrington Mortgage to get this straightened out. A supervisor or case manager was suppose to call me, but never called. I called Carrington Mortgage to speak with them since no one called me back. At that point, after waiting for someone to get back to me, I was told that option is no longer available. So then, after discussing options again and waiting for more paperwork to come in, they presented me with my plan. This time, they reduced my payment, but again a lump sum is due at the end of my loan term. If I had an extra XXXX  I wouldn't have needed the forbearance to begin with. Prior to the pandemic, I never missed a payment or was late with a payment. Carrington Mortgage is not trying to work to resolved this matter. I can continue my original payments without a problem. I just would like my missed payments tacked back onto the back end of my loan instead of Lump sum being due at the end of my loan. This plan puts a second mortgage on my credit report and hurts my credit score. This plan hurts me all the way around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
I refinanced my home with Penny Mac when interest rates dropped about a year and a half ago. When my Homeowners insurance came due last year on XX/XX/XXXX they had not paid it. I went to my insurance company and paid it myself. I complained to Penny Mac and got nowhere. They assured me this problem would never happen again. This year on the same pattern they did not pay my homeowners insurance yet again. It was due XX/XX/XXXX. I spent hours on the phone with them and was hung up on repeatedly. I again went to pay my insurance myself. This company has terrible customer service. Imagine if my home had suffered a fire or something bad. 2 years in a row they have my escrow money and cant seem to pay my insurance. I then demanded they cancel my escrow account as I have more than the ability to pay my insurance and taxes when they come due. Again I can not tell you the nightmare of what it takes to get these people to actually just do their job. Zero help. Zero accountability. Then after I had paid the homeowners insurance the clowns sent me a letter stating they were going to purchase separate insurance. In the middle of all of this. Penny mac really has not a clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I have a debt on my credit report from walmart synchrony bank that is supposed to be showing as a 0 balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/Synchrony bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: MS

Complaint narrative:
Experian and XXXX need to delete the items that were paid to delete off of my credit report. I sent both Experian and XXXX a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent Experian and XXXX the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both XXXX and Experian need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
I have been reaching out to EXPERIAN asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from EXPERIAN and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/20XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I've been a customer of M & T bank since XX/XX/2007. At that time I used them as my primary banking. After some time I have spread out to other banks and accounts. Over the years, I would send funds to my M & T back account each month. I didn't use it as an active account but, I wanted to hold a balance with them. 

Recently, I was able to log in to my account and found out that each month they were taking a {$14.00} a month service fee from me for a service that I do no use. I spoke to customer service and they were able to refund just XXXX months but, said I have to go to the bank if I wanted to resolve it further. I went to the bank and the cashier wouldn't help me at all. She ended up changing my accout over to an account that doesn't have this fee as another period were money was taken out.She also had to change the phone number and address on file. 

I want my money back.

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 monetary relief
Consumer complaint received 2022-03-04 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: MI

Complaint narrative:
I have been reaching out to TRANSUNION, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TRANSUNION and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 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: MS

Complaint narrative:
XXXX and Transunion need to delete the items that were paid to delete off of my credit report. I sent both XXXX and Transunion a certified mail piece with return receipts to make sure that they got my paid to delete letters and neither companies complied within the 30 day turn around time frame. It has been over 90 days since I sent XXXX and Transunion the certified mail pieces so that they can take the accounts that were paid to delete off of my credit reports and they have not did so. Both Transunion and XXXX need to delete the following accounts off of my credit reports ASAP. Fair collections and outsourcing, XXXX XXXX, XXXX savings account in the amount of $ XXXX in regards to an auto loan and XXXX account in the amount of $ XXXX from a credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 a fraudulent check of XXXX XXXX dollars was deposited in my checking account at XXXX XXXX  Citibank cleared the check even though I had only about XXXX XXXX dollars available in my account. Citibank made the money available for transactions during the next three hours even though the money was not there in my account and I did not have an over draft protection plan. At XXXX XXXX I notified Citibank of all fraudulent transactions and ask them to cancel and stop all activities. As a result, my checking account has a XXXX Dollars overdraft balance which should not have happened if Citibank would have not cleared a check of this large amount. Every bank policy is to keep a hold on a large number of checks for three days to be cleared. Therefore Citibank is at fault to allow such a situation happened especially I did not have the money or overdraft protection available to me for all the transactions to go through. It could have been stopped by Citibank by not clearing the fraud check and not allowing the following transaction to go through my account because of not having the fund.

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 2022-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Over a year ago when I first took out my mortgage with Citizens, I set up Autopay to process my monthly mortgage payments. That worked well for approximately twelve or thirteen months. Citizens has unilaterally changed its websites, which appears to have resulted in disabling my Autopay. For the last several months, I have been told that payments have not been able to be completed due to Insufficient Funds, yet this is totally inaccurate. I have received several delinquency and foreclosure notices. I am also being assessed hundreds of dollars worth of penalties and late fees. 

I have always had more than sufficient funds in my account to cover my monthly mortgage payments. Now, with its new website configuration, Citizens includes no contact information or any way to speak with a live person to resolve the issues. I have confirmed this despite countless hours on Hold, with the same nonsensical statements that there are longer than usual wait times due to high call volume. Instead, I am forced to route through automated online or phone payments and am only provided with an automated option to pay amounts that include the wholly inappropriate late fees and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized use of and inaccurate use of 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion displays innacurrate employer information on report. I do not and have not worked for 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 non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The past 6 months I have been trying to get my credit report fixed as there are multiple inaccuracies on it. XXXX XXXX is reporting serious inaccurate information that is hurting my credit! XXXX XXXX XXXX is listing my account payment status as " PAST DUE 90 DAYS ''! to Transunion and listing my charge account as an open installment loan 120 days late to XXXX! I have told Transunion and XXXX multiple times this is incorrect and the payment status for my XXXX XXXX  needs to be " PAID, CLOSED ''! I have tried contacting XXXX XXXX through mail multiple times to fix this and they are saying its being reporting correctly but its not! This account was paid and closed in XX/XX/2019! 

They are also listing my XXXX charge account as 120 past due multiple times. 
I have sent proof of my bank statements showing I made payments to XXXX XXXX to prove I was making payments during the month they say I was late! 

Transunion/XXXX  and XXXX Bank has failed to correctly investigate my dispute because if they had they would see that my XXXX XXXX charge account is being wrongfully reporting my XXXX XXXX account! The only bureaus they are reporting to correctly is XXXX! 

They need to have my XXXX XXXX charge account status fixed ASAP! It needs to be listed as " PAID, CLOSED '' and the payment status needs to be " PAID AS AGREED '' XXXX XXXX XXXX Transunion/XXXX has still not fixed this inaccuracy and have only made my account status worse. 

I need XXXX XXXX XXXXnd Transunion and XXXX - to update my credit report to the correct information. My XXXX XXXX charge account was paid and closed in XX/XX/2019! PLEASE FIX MY ACCOUNT STATUS AND PAYMENT STATUS AND LIST IT AS " PAID IN FULL, CLOSED ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. XXXX is displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX XXXX or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this XXXX  and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. My name, social security number, and address has not changes ever. All the same. All documents have been attached including XXXX  acknowledgement of illegal account and the request to delete it from XXXX XXXX  , false statements made on behalf of XXXX and fake letters they said they sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
Unauthorized use and inaccurate use of 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 2022-03-04 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: Kikoff Inc.
State: NC

Complaint narrative:
I received a letter from Kikoff Lending stating that my account would be closed due to missed payment and reported delinquent. However, upon the agreement terms with the company, it states that if the account is closed and has funds built up in its wallet, the company would use the funds in the wallet to cover the unpaid amount. My account had the funds in the wallet to cover the unpaid amount. 

I reached out to Kikoff support via email on XX/XX/22 to request additional information and they responded stating that no account was located and there was no balance due. 

I received an alert from XXXX today that Kikoff Lending reported my account as " closed, paid. delinquent. '' This company has violated its OWN agreement terms as well as the FCRA reporting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Despite the multiple previous written requests, the unverified collections listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX ( Original Creditor : 11 XXXX  ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04 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: GA

Complaint narrative:
Unauthorized use of Credit report and inaccurate information

Company response to consumer: Closed with explanation