vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 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:
According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX  and XXXX  are in  violation of my rights and is subjected to a law suit under these laws Furthermore, i have enclosed in my letter that there are unauthorized inquires that i do not recognize, and they are required ti provide proper verification under the FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one. 

Any one who pulls my credit without permissible use can be fined {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
XX/XX/XXXX XXXX afternoon I called Quicken loan for property taxes to pay. XXXX XXXX said I can pay mortgage any time. XX/XX/XXXX XXXX XXXX  I paid quicken loans thru mobile app XXXX XXXX. XX/XX/XXXX quicken loans stolen XXXX. I asked fifth third, fifth third said XXXX taken. I filed dispute fifth third. I called Quicken loans, XXXX said yes we have XXXX paid thru XX/XX/XXXX. I told XXXX mobile app quicken defeated. Woman quicken asked me did you get text? I told woman internet problem. I told woman ask fifth third about their business. I hung up called back I told woman XXXX stolen give money back. XX/XX/XXXX quicken loans tira middle asked me do you have bank statement? I told middle please give back XXXX. I told middle we can call fifth third the rep can verify XXXX paid XX/XX/XXXX. XXXX  did three way phone. Fifth third refuse to verify. XXXX myself called back. XXXX XXXX  refused to verify. XXXX told me Quicken didn't get XX/XX/XXXX payment. We need to set up XXXX. Quicken loans email XX/XX/XXXX said payment XXXX received. XX/XX/XXXX XXXX. Payment scheduled. I called fifth third XX/XX/XXXX acct deposit XXXX dispute approval. XXXX quicken loans deposit. I called Quicken told rep I need to give back extra money not mine. XXXX said XX/XX/XXXX. XX/XX/XXXX XXXX called me I asked XXXX how to send back XXXX? XXXX refused. I called back XXXX gave me payment center address in XXXX illinois. XX/XX/XXXX fifth third said quicken tried to take XXXX. I told fifth third no quicken loans employees scam. I filed ftc complaint quicken. XX/XX/XXXX XXXX quicken loan asked me again for XXXX. Thru email from quicken I never got response on giving back XXXX also I need to give my new acct information for mortgage payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
RE : Net Credit/NC Financial XXXX I am a victim of identity theft. The thief opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, another government-issued identification card and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact.

Please provide all records relating to the fraudulent account including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

If you have any questions concerning this request, please contact me at the above address or at XXXX Sincerely, XXXX XXXX Enclosures : Identity Theft Police Report Proof of identity : Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Franklin Credit Management Corporation
State: MA

Complaint narrative:
In XXXX of XXXX, my wife and I purchased XXXX XXXX of XXXX XXXX XXXX, XXXX, MA. Shortly thereafter, the housing market collapsed, which since lead on to Financial Crisis / Recession of XXXX. We had to vacate the property in early XXXX via foreclosure and the cash for keys program. In late XXXX, we were notified that XXXX XXXX XXXX XXXX was seeking over {$50000.00} for the secondary loan. After research on our part, it was noted that they were considered one of the largest and most notorious predatory lenders of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has violated the Fair Credit Reporting Act many times. Over a period of at least eight years, Equifax has failed to correct information on my credit report ; failed to timely release my credit report to either me or potential creditors ; and intentionally and fraudulently falsified my credit report in retaliation of my filing complaints against them... Equifax blames the provider and the provider confirmed that they did not provide the false information. There is no problem with XXXX XXXX or XXXX. My credit is " excellent '' and yet of having difficulty in obtaining credit as Equifax will not release my credit ; and will not provide any reason. 
Each year I order my reports via XXXX. In XX/XX/2020 I wrote to Equifax correcting information on my credit report. The only response was another report without the corrections. On XX/XX/2020 I sent another letter advising of the corrections needed. Some of the corrections have been made for 2 or 3 times over the years. Documentation was sent multiple times. 
I have no response to the letter of XX/XX/2020 outlining both old and new errors. ' I have filed complaints with CFPB and WA XXXX but neither has any authority to get this corrected permanently. I can't afford attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I called Synchrony Bank on numerous occasions and they disconnected me on numerous occasions when I was trying to understand why they were charging me so much interest. I asked what I owed without finance charges and they stated {$2500.00} which I paid. I pay on line Each month automatically and paid more than required each month. They told me I had two different promotions but the statement I received stated promotion ends XX/XX/22, so I paid it off. They are charging me over {$900.00} in interest. I told them I disputed that and they told me I had to write to bank. I asked who to address it to and they said they had no name, just gave me address and said it would get resolved. I wrote them a month ago and have not heard anything. The statement is very misleading. I have excellent credit and have always paid them on time. When I called again on XXXX, I was disconnected again two times. I feel I should have a XXXX  balance. They told me I was paid up and not being charged interest but statement reflects I owe {$900.00}. Please help me resolve this very unfair problem.

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 2020-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My mortgage loan was sold from XXXX XXXX to Specialized Loan Services in XX/XX/2020. The loan information generated with this new mortgage company, Specialized Loan Services, is not correct. Their loan has me listed as a co-borrower, and it has listed as the main borrower a person I am not related to, and is not part of my loan in any way. Moreover, it has the wrong address listed for mailing important mortgage-related documents, meaning that sensitive information about my loan is being mailed to an address that the company has no authorization in which to mail said documents. 

I have attempted to work with Specialized Loan Services on three separate occasions, since learning of this issue. This encompasses two phone calls and an email to their customer service. All attempts at resolution were met with a runaround approach. Complaints were  escalated to other departments with no follow through, or just no response. Their customer service prompt to even begin speaking with a rep is in excess of 4 minutes of options and dialing in that ultimately result in requests for callbacks that can go in excess of hours or days to return. Once a representative is on the phone, there are no extensions in which to call back or check on requests. This makes it unreasonably burdensome to continue a fruitful conversation with SLS, and is telling of their inability to appropriately manage their accounts. 

Right now my loan is technically in the hands of a person that is not the actual loan holder, and my sensitive mail is going to an address not mine. I am extremely distressed by the damage this can wrought. I am requesting immediate assistance from CFPB in working with XXXX XXXX and Specialized Loan Services to  coordinate what went wrong and how it can be resolved immediately and with no additional interruption to my life than has already been. 

I am also requesting a regulatory investigation by CFPB to determine what laws, regulations, or otherwise good faith practices have been neglected or broken by SLS in the servicing of this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In my complaint CFPB Case : XXXX I stated I did not authorize anyone to add me to their Capital One card as an authorized user, I never was in possession of that card yet it is being reported on my credit report, I want that account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPLICATIONS ( INQUIRES ) IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our mortgage was originally held by XXXX XXXX  XXXX, but it sold the mortgage a few years ago to Nationstar Mortgage, now known as " Mr . Cooper. '' We are in the process of prepaying our mortgage down to XXXX. On XX/XX/XXXX, we sent a payment of {$42000.00} to Nationstar, which it accepted and applied to reduce our balance ( according to them ) to {$890.00}. A week later, on XX/XX/XXXX, we sent a payment of {$890.00}, which we calculated as the sum of the balance shown by Nationstar on XX/XX/XXXX plus a week 's worth of interest. Ever since, Nationstar has held that {$890.00} payment as unapplied funds, until today when it returned the payment to XXXX XXXX XXXX and it was restored to our checking account. The only explanation we have received from Nationstar is that the payment is insufficient to pay off the mortgage, but they have failed to tell us why. We have asked for an explanation and told Nationstar that if there are processing fees that they wish to charge us that they need to itemize and explain them to us for our consideration. Nationstar has ignored our request to do so. In the meantime, Nationstar shows on its website that we still owe a monthly payment of {$390.00} due on XX/XX/XXXX, which according to them makes us delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/2020, I pulled my credit reports to find a collection from BULLCITY FINANCIAL SOLUTIONS, in which I did not recognize, claiming that I owed a debt for a utility bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I have not had an active account with them in over 10 years. With this information I sent out a debt validation request certified ( attached documents ), requesting debt validation documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the  company directly via phone instead but was not able to get in touch with a representative. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. However XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX  and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified and updated per previous investigation results. They didnt even attempt to reach out to the collection agency with the new found information. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had made a transfer from my business to my personal BOA account ending XXXX which would cover my mortgage, however what I wasnt aware was that this transaction did not go through. 
Thus my BOA account went into overdraft when mortgage auto payment hit and then my credit card automatically covered the account on his checking account overdraft. 
I didnt realize that and that increased my minimum payment that month. I have had Bank of America set to take out a minimum payment, it normally takes out {$100.00}, however the auto withdrawal amount did not auto adjust when the minimum payment became higher after that. 
Additionally, I was also out of the country visiting XXXX at the time, so I had to be quarantined for some time while there and I was not able to find out about this issue until much later. 
I have multiple accounts with Bank of America and have a decades old relationship, Im requesting that this late payment be removed, given the fact that I was overseas and the fact that BOAs system did not adjust to the minimum payment, which was beyond my control at the time. 

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 2020-10-06 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: NY

Complaint narrative:
Aft

er purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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