vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: AR

Complaint narrative:
I checked my credit report, I discover violations and inaccurate reporting. The dispute with XXXX reporting the fraudulent account, XXXX XXXX XXXX as deleted / remove from credit report after several dispute filings, which began XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX the status of the '' XXXX XXXX XXXX '', removed/ deleted account was placed back on my credit report after it had been deleted. It showing a status " remain '' on my credit report inaccuracy. 
XXXX and Equifax both credit reports in accuracy information for XXXX XXXX XXXX, with account status, last payment date and payment status Equifax report XXXX XXXX XXXX as a closed account status. XXXX report XXXX XXXX XXXX as a derogatory account status. Delete all information pertaining to XXXX XXXX XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I transferred my account from Robinhood to XXXX 13 days ago. There TOS states it will be completed in 5-7 trading days. They deactivated my account without my consent and are holding {$1600.00} that they refuse to transfer to my bank or XXXX. They have no phone number and i have emailed them multiple times daily but never receive a response besides an automated we'll get back to you in 1-3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX $ what my tax form 1099 G said it was at XX/XX/XXXX from bank of America some one change my peronal pin amd account password with my ssn and id idont know how but i know he got information enough to do that and mails from my mails he been receiving all my irs mails and bills.

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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Dear Folks, I have owed my condo here in XXXX, WA XXXX for 15 years now. 

During this time, my mortgage has changed at lease 6 time a i am now " trapped '' with 'Select Portfolio Servicing '' who in i pay my monthly and very high interest rate to for XXXX XXXX the holder of my mortgage. 

I have tried in vain to refinance with XXXX ( Minnesota ) and it goes nowhere with them.

I would very much like to be with XXXX ( my bank ) as with my customer of 16 years in XXXX, WA. 

Find me " Trapped in my mortgage '' Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
I am currently unable to make contact with my mortgage company in any way over the phone or online. I am currently behind on my mortgage and I have a plan to get current by XX/XX/XXXX, however I do not have the ability to tell my mortgage company this to stop the automated collection calls. When I answer a collections call, I am given an automated message to call their customer service number. When I call this number, the automated telephone system starts playing a message in XXXX that lasts several minutes, and I am unable to opt out to speak to a representative in any way. At the end of this message a customer service agent picked up the phone and immediately hung up the line during an opening statement. It takes me over 7 minutes just to get to that point due to the automated XXXX messaging I had to listen to. There is no option for me to make a payment in the automated system. Additionally, my online account became locked out and when I go through the password reset process, the site times out before the point which you reset the password. I tried this on multiple devices using the recommended browsers according to the website. So I can not access my account online or speak to anyone on the phone for an account that would normally be in foreclosure risk if not for moratorium protections right now.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I paid off an account that I wasnt aware of and wasnt on my credit report. The correct account is still unpaid-they wont transfer the funds from the incorrect account to the account that is on my credit report. The account they had me pay is from 9 years ago and I contacted XXXX they verified the incorrect account is not in there system with my social security only the one that is on my credit report. It was never indicated to me there were 2 accounts under my name from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: SC

Complaint narrative:
Equifax refuses to remove unauthorized inquiries XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 after sending letter after letter asking them to provide prof that the inquiry are mine or any Signature bearing my my name but failed to do so told them that they are not mine According to the FCRA Legally anything unverified and unauthorized must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My vehicle Loan with Navy Federal Credit Union was charged off in XX/XX/2015 after repossessing the vehicle in XX/XX/2015. Navy Federal shut down all access to my account and I was a victim of their unfair debt collection practices. I was never contacted by Navy Federal Credit Union after they were found to have violated their customers rights. I have tried to contact them to alleviate the problem and I was treated terribly. I don't believe that this company has learned from its past mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
NOT A DUPLICATE Amerisave incorrectly established the opening mortgage balance on my loan and, in addition, has not accurately posted a payment to my mortgage balance. 

On XX/XX/2020, my wife and I settled a mortgage with Amerisave. The settlement included a payoff to the outstanding mortgage of {$330000.00} and other charges/impounds/fees of {$18000.00} for a total amount borrowed of {$350000.00}. ( See Settlement Statement.pdf ).

Amerisave established the mortgage on their online serving website with an opening balance of {$350000.00} and a opening interest payment of {$260.00} for a total opening amount of {$350000.00}. ( see Loan History.pdf ) The online amount includes an additional {$31.00} ( {>= $1,000,000} - {$350000.00} = {$31.00} ) that was not included in the Settlement Statement. ( See Mortgage Reconcilliation.xls - Part 1 ).

In addition, Amerisave did not correctly apply my payment of {$3000.00} ( Check # XXXX ) in relation to my XX/XX/2020 mortgage payment. 

Amerisave claims that this payment was included prior to the establishment of the balances on their mortgage servicing website ( see Draft DMI.doc ). The reconciliation detailed above shows that the loan amount from the Settlement Statement equals the opening balance on their mortgage servicing website ( except for an unreconciled {$31.00} ). Therefore, Amerisave did not correctly apply the amounts from my Check # XXXX - or the opening balance would reflect this reduction in principal. Since the opening balance does not reflect this payment but rather the opening balance ties back to the original Settlement Statement, the Amerisave records demonstrate the payment was not applied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax deleted my current Student Loan causing my credit score to drop over 50pts. My account is current and up to date. My loan servicer which is XXXX XXXX is reporting to them monthly. My student loan shows on my XXXX acct and my XXXX account but not on Equifax. I faxed in my ID, tax documents, the loan agreement and documentation that was sent to me by XXXX XXXX on XX/XX/2021. They have stated that they may have split my account in 2 causing the error and that they do not show my paperwork that I've sent in. I verified that fax number several times with them and received feedback that the fax was submitted successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I set up a pay agreement w/Portfolio Recovery Associates, LLC XX/XX/XXXX, ( collecting for XXXX XXXX XXXX  XXXX, XXXX ) Account number ending in XXXX. Portfolio acquired the acct XX/XX/XXXX. Anyway, pay agreement was : 12 pymnts of $ XXXX biweekly to withdraw from my checking account on a Wednesday or Thursday. Due to I get paid at a specific time of the day. Total {$240.00}.

PRA ( Portfolio Recovery, LLC ) stayed committed to the agreement until the very last payment. I contacted PRA between XXXX to request to submit my last pymnt a different way because I had changed bank accounts. I was informed then that the last pymnt request had already been submitted. My response was, Why would you guys do that, when its set up to withdraw after my payroll check direct deposits anyway? Regardless, if I did change banks? 

Thats when I checked my account to see they attempted on XX/XX/XXXX, I received a return check charge {$35.00} ... XX/XX/XXXX, then my pay agreement was cancelled XX/XX/XXXX. Not to mention PRA shows the last pymnt was XX/XX/XXXX, per my XXXX XXXX XXXX checking shows XX/XX/XXXX. 

I contacted PRA again to see a balance as if they had NOT received a dime from me. They responded as if I wanted to set up a new agreement. First of all, I never OWED a debt of any kind to Portfolio Recovery, LLC. Why would I set another agreement with them after the stunt they pulled? Like, people dont have lives and want to give money to collection agencies? Be serious. Under no circumstances will they receive anything from me. 

They have the audacity to CHANGE their payment plans since and have fair and affordable flexible plans on their website. Theyre affordable, but fair to whom? Their own pockets? 

I do not care what acct they acquired with my name, I never owed PRA, I will not pay any balance they decided to attach to my name. So they need to pass the acct right back to XXXX XXXX. Do not call me or notify me of any balance in writing. I submitted a Cease & Desist letter a long time ago, prior to the agreement. They also need to remove any tradline they have from all 3 credit bureaus, XXXX XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm running into issues that appear to be blatant credit discrimination. I am a student with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??

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 2021-02-12 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA

Complaint narrative:
I have tried getting a payoff on my mortgage since XX/XX/2021. So far the company has not provided it. I ordered it online in XXXX. I did it over the phone with the title company on XX/XX/2021 via 3 way phone call. I tried online today and the message said it would be mailed in 5 days. I called today and was told it will be faxed in 2 hours. 
I just need a payoff I have sold the home it is closing on the XXXX and this incompetent company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: CT

Complaint narrative:
XXXX I leased a XXXX for 36 month term which ended XXXX. I bought the same vehicle on XXXX. Paid all my dues including the buyout amount on time XXXX I got a statement to pay {$480.00} for Personal Property Tax CITY OF XXXX . I paid that on time as well and the account was XXXX. 
All my credit bureau reports show the XXXX account as CLOSED on XXXX and in good standing so far *XXXX, Seven months after account closure, I got a statement from XXXX to pay {$560.00} for Personal Property Tax CITY OF XXXX XXXX Being the second property tax in same year, I gave a call to XXXX XXXX XXXX help desk. The support person was not able to clarify which year this payment is being asked for. He incorrectly stated that this payment is for XXXX and the one before in XXXX was for XXXX. I didnt reside in XXXX in XXXX, hence there should not be any tax so I requested them to check the records if there has been duplicate payments and also send me the copy of tax notice *Support person stated that they will send the tax notice via physical mail within 7 days. The mail didnt arrive. 

XXXX I got a Robo call from XXXX . I gave a call back to XXXX XXXX XXXX and explained the whole situation to a different support person. Support person stated that they will send tax notice via regular mail *XX/XX/XXXX I also opened an online Case/question on XXXX XXXX website. XXXX Case # XXXX. Please find attached the Case details, content and all online tracking information *XX/XX/XXXX I received the tax notice and clarification to my original question. Tax payments were for XX/XX/XXXX & XX/XX/XXXX *XX/XX/XXXX I paid the full amount {$560.00} *XX/XX/XXXX XXXX reported to all credit bureaus that my account is Delinquent. My credit score got adversely impacted *XX/XX/XXXX- Present : I requested all credit bureaus to check on this but they are not able to help. XXXX recently made my 36 month term to 48 month term on XXXX and account as delinquent with 30 day late *I have never paid XXXX XXXX late nor made late payments on any other loans or credit cards in past. I just asked a question and paid the full amount as soon as it was clarified. The property did not belong to XXXX in XXXX and they should not have paid tax on my behalf seven months after I made the purchase and charge me on an account which I had closed. 


*Attachment summary & proofs : 1 ) XXXX complete financial transaction history 2 ) Phone company records for the calls I made to XXXX helpdesk 3 ) XXXX online Case correspondence

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