vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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:
EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF ED/XXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF EDXXXX **** {$1900.00} ( XXXX lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF ED/XXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF EDXXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

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 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have applied for assistance due to loss of income multiple times since XXXX. I keep getting denied. I received a notice.of default XX/XX/XXXX. Covid hit and I entered info Forbearance around XX/XX/XXXX for XXXX  months. In XX/XX/XXXX I submitted another request for assistance and was offered several options after Forbearance. I was told I would receive paperwork to sign. In XXXX I still hadn't received the paperwork and called the bank and was told I had new options available. I requested loan mod and partial claim with limited documentation. 
I submitted what was requested and waited. I was asked different letters and statements which i supplied. I kept calling for status updates and was told it was in review. I called XX/XX/XXXX and was told they were waiting for documentation from me, which I supplied on the XXXX and the website stated that I submitted everything. The rep said she would submit back to underwriting. I explained that I was already offered options and was waiting for documents to sign. 
In XXXX I received a denial letter and was told to apply again and i would recieve a packet on the mail. Then XX/XX/XXXX i received a notice stating that my application was closed due to an incomplete application This has been the cycle since XXXX. It took them almost 2 years of missed payments before filing the NOD. 

I.want to keep my house. I dont understand why I keep applying and get denied. Now for public record against me.which is the NOD.

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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Complaint XXXX XXXXXXXX XXXX XXXX, is a corporate entity doing business legally in XXXX XXXX with the corporate registry number XXXX. See attachment A On XX/XX/2021 one of the authorized officers of the Corporation, XXXX XXXX, requested a stop payment from First Bank to stop any payments regarding the check number XXXX. Check XXXX, at that time, was losXXXX XXXX XXXX XXXX payed First Bank for that service to stop any payments of check XXXX. See attachment B ( authorized officer ) and attachment C ( request for stop payment ) Nonetheless, on XX/XX/2021 we received the bank transactions and notice that check XXXX was in fact payed to a third party for the amount of {$7000.00}. See attachment D After noticing the transaction, we immediately submit a claim to First Bank in order to know the reasons as why they payed check XXXX even when we did in fact requested a stop payment. 



On XX/XX/2021 we received a letter from First Bank stating that after reviewing the complaint and making a thorough investigation that did no find any stop payment for check XXXX. See attachment E On XX/XX/2021 we submit a letter again inquiring why they payed a check which we did not authorized payment even when we did requested on a timely fashion a stop payment for check XXXX. It did not make sense that they did not found a stop payment on their systems even when we do have the evidence of such request. See attachment F On XX/XX/2021, we received another letter from First Bank of Puerto Rico stating that after investigating their records, now they did not have any record of such transaction paying the check XXXX for the amount of {$7000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Recently I submitted an additional complaint of fraud relating to PHH and Ocwen. For over 2 years when I called PHH they advised they could not assist me because my loan was not brought over from Ocwen after my CFPB complaint miraculously they put me in the system. Last week PHH sent an email stating it was an answer to my questions, it shut my email down and their email disappeared. After which all my mortage related emails disappeared. XXXX assisted me with getting them back. Today I received fraudulent documents from PHH to cover up fraud and the sale of my house in Georgia, documents they repeatedly said did not exist. XXXX XXXX, XXXX FRAUDULENTLY Submitted foreclosures documents electronically to XXXX XXXX. Shortly thereafter the principal party was fired from Ace, he was involved in another fraud that went to court. The foreclosure documents were filed and notarized by a married couple in real estate with a fraudulent cloud hanging over them, Ace was the front. Behind the scenes there were multiple real estate agents and companies as ghost interest parties all taking part in the high equity in my house. The current buyer listed does not live in the home but was one of the original buyers when I legitimately put the home up for sale. She backed out and then obtain the house through fraud. Kindly reference Ocwen 's letter of apology XX/XX/XXXX for losing my 3rd trial modification payment. Ocwen 's scheme was to continuous do modification and obtain funding and tack on additional finance charges to mortgage. Please reference the XXXXprincipal reduction from XXXX XXXX and the 2nd mortgage XXXX  in XXXX. Despite PHH attempting to collect that in XXXX, XXXX, XXXX. In XXXX I had a principal balance of XXXX please remit the funds from the sale of my home and my title. I was not behind in payments and false document were submitted stating I lived in Pennsylvania and notification was sent there. These are criminal acts and should be viewed and resolved as such. Do the math XXXX balance in XXXX and 10 years later sold below value for XXXX then XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In late XXXX, I had a numerous personal commitment that unexpectedly took precedence to my personal responsibilities. My grandfather was diagnosed with a rare form of XXXX XXXX, XXXX  XXXX. Being the primary guardian for my grandparents I had new duties and debts that I was responsible for. During this unforeseen transition, I struggled to maintain my financial obligations and ended up with numerous late payments. As a result, the account was eventually charged off. My grandfather did not make it and passed away on XX/XX/XXXX. It took me some time, but I was able to get back on track. In XXXX of XXXX I contacted customer service settled the account. I was advised that if I settle the account I would be able to delete the negative history and the account would be updated to no longer show late or in corrections. A pay to delete deal. I received a better stating the payment was made and that they would update the credit bureaus. However its still showing late and XXXX out of no where this year updated the closed account and my score went down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: IL

Complaint narrative:
Experian closed my complaint without investigating. Experian is reporting 3 inaccurate accounts on my credit report. I provided factual reasons why these accounts should be deleted. Please see below : 1. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY ITS IMPOSSIBLE FOR A CHAGE OFF TO BE AN OPEN ACCOUNT 2. THIS CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE PLEASE DELETE FOR INACCURACY XXXX XXXX Account Number : XXXX DELETE FOR INACCURACY CHARGE CANT HAVE A BALANCE DUE, AND THIS ACCOUNT HAS BEEN REAGED WHICH IS A VIOLATION 3. THE ACCOUNT IS LISTED AS AN OPEN CHARGE-OFF AND REQUIRES DELETION FOR INACCURACY NATIONAL CREDIT ADJUST Account Number : XXXX DELETE FOR INACCURACY CHARGE OFF ACCOUNT SHOULD NOT HAVE A BALANCE NEITHER SHOULD IT REPORT AS AN OPEN 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 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; Experian- XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX XXXX XXXX XX/XX/XXXX ; Experian - XXXX : XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian & 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 2022-02-16 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX Bank acct # XXXX Alleged XXXX  Account # XXXX : LOAN : XXXX XXXX Subsidized Amount XXXX XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOAN XXXX XXXX Career Training Amount $ XXXX LOAN : XXXX XXXX Unsubsidized Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX 
Please see attached statement. 
Ref : Alleged Account XXXX - XXXX XXXX XXXX , Social Security XXXX XXXX XXXX  ACCOUNT [ XXXX ] Re : CITI CARDS XXXX XXXX ] Re : CITI CARDS Ref : Alleged Account # 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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a mortgage with Truist Bank ( formerly SunTrust Bank ). The bank 's recent merger means my online account now logs into the Truist website. But especially back in XX/XX/XXXX, the new website was not as intuitive or functional as the former SunTrust website. The new website was ( and still not ) as clear as the old website in informing that a payment was scheduled and what the amount was stipulated. 


This means when I logged into my SunTrust account back in XXXX only to find it have " updated '' to the new website and the new " shiny '' but unintuitive design of the website. But nevertheless, I follow the " Make a payment '' button, selected XXXX to schedule my " Monthly payment '' and " Additional principal '', and scheduled my payment for XX/XX/XXXX. The scheduling for XX/XX/XXXX is ahead of the XX/XX/XXXX due date ( and XX/XX/XXXX grace period date ). 


However, the system apparently only scheduled the " Additional Principal '' and nothing else. Thus, XX/XX/XXXX only accepted a {$100.00} payment while the " Monthly payment '' of {$500.00} was not processed. When I scheduled the payment, there is no UI that tells you amount that was scheduled. Even now ( as of XX/XX/XXXX ), if you schedule a payment ahead of the Due Date, the XXXX informing scheduling and amount of the " Payment '' is not visible in the " Make payment '' section, nor the " Activity '' log of the Account view, nor even the " Home '' tab of the website. You have to go the Quick Link under the Home tab > Click " Transfer money '' > and then click " Manage transfers ''. 


Only that area show " scheduled '' mortgage payments ( unintuitively as " transfers '' ). It is notable even now, I only see the completed " transfers '' of only the " XX/XX/XXXX Payment '' for the Mortgage Payment Due XX/XX/XXXX and the " XX/XX/XXXX Payment '' for the Mortgage Payment Due the XX/XX/XXXX. 

This is likely evidence that the system to view scheduled payments even through this hidden way was not yet working in XXXX. 


Thus, when I attempted the schedule the payment, I was left unaware of any issue. Since I operated under the belief that I paid correctly, I did not check the website during XXXX but checked XX/XX/XXXX to pay within the grace period of the XXXX payment. But this point of time, this mean I was already " delinquent '', locked from online payment where I must call-in to pay, and was report to Credit Agencies XXXX 


I paid all overdue and due debts on XX/XX/XXXX via the phone. But the missed payment was still caused by a lack of feedback ( and possible glitch ) in the new Truist bank system. I opened a case with Truist bank to reverse the report to the credit agencies but was denied XXXX. The latest denial is informed to me via letter dated XX/XX/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 2022-02-16 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:
On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue

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 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
On XX/XX/22, I scheduled a mortgage payment online with Freedom Mortgage. In the same computer session, I immediately canceled the pending payment because I realized I had to make it for a few days later ( which I canceled and scheduled another for XX/XX/22 ). I canceled this payment literally less than a minute after scheduling it, but the money was still withdrawn out of my account 5 days later and the other payment scheduled for XX/XX/22 was applied as well. I called the mortgage company when I noticed that there were two payments applied to my account in XXXX and the rep told me that I would need to conference a rep from the bank that holds my checking account or provide them a statement that shows duplicate payments were taken out of my account before they would refund me my money! However, this is theft! I have a right to immediately cancel a pending payment, less than a minute after I made the online payment, so forcing this payment to still go through after the cancelation option was still available is theft! I have had nothing but problems in the two months this company has been servicing my loan and something must be done about it to stop them from continuing these deceptive practices!

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 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I was attempting to refinance my home and found out I have a lien on my property for over {$29000.00}. 
I reached out to the debt collector/ XXXX XXXX XXXX ( XXXX XXXX ) to obtain the documentation on this judgment and information on the debt and all XXXX XXXX did was try to provide with the file number and said he did not have to provide me with that documentation that discloses what the debt is for, he didn't even know my name,, he provided me with my maiden name that I haven't used for over 12yrs, this clearly shows he's trying to collect on something that is over 12yrs old. XXXX was trying to workout payment arrangement but I told him that the information is incorrect, and that I'm not paying on something that is not right. He mentioned that it was regarding a Ford Motor Credit Account, I told him I do not owe Ford Motor Credit XXXX, and that I want all the documentation so I can review. I also mentioned to XXXX that I did not receive anything from them or any court notification, I would think they would certify something like this but of course that wouldn't be convenient for the debt collector. They took advantage that I didn't show up to court and just slapped a lien/judgement without allowing me to defend myself in court and to top it off in a county that I don't live in. I also asked if he can send me documents via email and he said that they don't do that, he said he can mail me the judgement. I then told him he can go ahead and Mail it, but then he asked for my address, I don't understand why he doesn't have this info since he had previously mentioned that he sent me mail on court order which I never received. All I want is for them provide me with all supporting documents regarding this debt and lien so I can have the opportunity to go to court and get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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:
On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue

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 2022-02-16 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: MI

Complaint narrative:
On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: NY

Complaint narrative:
TRANSUNION IS REPORTING XXXXT MULTIPLE TIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR TRANSUNION " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX IS REPORTING XXXX MULTIPLE XXXXIMES UNDER XXXX XXXX updated account information. THIS ACCOUNT XXXX IS A PAID IN FULL ACCOUNT AND ITS BEING REPORTED UNDER XXXX XXXX IN FOR XXXX " ADDED TO ACCOUNT '' with no information not even saying paid The account are paid. It's just there reported multiple times.

Company response to consumer: Closed with explanation