vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 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: LA

Complaint narrative:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

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 2021-07-23 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: Evergreen Recovery Solutions, LLC
State: LA

Complaint narrative:
I am trying my best to be patient. However, I do not like having to payout all my income to others. I would greatly appreciate if you all would use your job to actually help others and not monopolize on trying to keep a vast majority indebted to you and others by being slow to update important and good information. I am starting to think you all may get a thrill from antagonizing others?? ..By you all going ahead and doing your job for the betterment of others, it can assist in making the American dream a reality. I've already assisted many teachers whom taught me many things that I'll probably never use. However, I don't mind helping others. I would appreciate if you would do the same. It has taken me a while to get to where I can continue my endeavors of paying it forwards and backwards in a monetary fashion. It has been many challenges that I have had to overcome. Some where brought on by my own ignorance and nieveness and at other times, to put it simply, it wasn't me.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-23 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: NV

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

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 2021-07-23 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: NV

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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 2021-07-23 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: NV

Complaint narrative:
I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
The previous servicer XXXX XXXX have transferred/sold my old account to Selected Portfolio Servicing ( SPS ) without resolving my old XXXX account. The present servicer Select Portfolio Services is unaware of my tender of payment offered to XXXX prior to this transfer. My tender of payment to which XXXX service should have closed my account out therefore relieving me from any further dealings with any future servicing agency or bank ( s ) .This did not happen. 
Also, ,it has come to my attention due to the hardship of homeowners during Covid-19, XXXX XXXX XXXX CEO XXXX XXXX is putting a freeze on all foreclosures until the end of this year 2021. This is in support of the Consumer Financial Protection Bureau proposal rule that will prevent lender from starting foreclosures ( see attached ). 

in addition SPS provided me with the 1 ) owner/investor name and address 2 ) the trustee name and address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Account Name : SUN LOANS PARTNERSHI ( Original Creditor : SUN LOAN XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
I have been a USAA customer for over 30 years and in the last several months I have made several large payments to my credit card. XXXX for XXXX in XX/XX/2021 and one this week XXXX XX/XX/XXXX ) for XXXX. 

USAA has gotten into this habit of not applying the payment for seven days. I called USAA and they tell me that this is related to DTCC and ACH clearing. Which is nonsense as the ACH clearing takes 2-3 business days. 

My concern is that USAA has this money and they are not applying this to the available credit but they are likely using the money in the banking apparatus and leveraging for loans and other financial products. 

When I spoke with USAA they refused for over 30 minutes to transfer me to supervisor and once I did, they didnt seem to care. The supervisor told me that, no one in the bank can make this faster. 

It seems like this is local policy and that numerous customers are experiencing the same issue. This is based upon a number of internet services and the exact same issue is being described. 

XXXX 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 2021-07-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian, XXXX  and XXXX  have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.

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 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out chime to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to Transunion my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and XXXX. Afterwards I dispute the information with Trans Union. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and XXXX  despite if the account is no longer open several days, after.

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 2021-07-23 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: PA

Complaint narrative:
XXXX, XXXX  and transunion have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.

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 2021-07-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, Equifax and XXXX have assisted XXXX in making my life extremely difficult to live for the last few years. Theyve done this by reporting false late payments on my consumer reports which led to my scores dropping from the low 700s to the mid 400s. This has in turn affected how lendable I am in a negative way and has prevented me from getting a house, a car, credit, cards or even bank accounts. Its scary thinking about all the sleepless nights Ive had due to this particular issue. The consumer reporting agencies have violated my rights as a consumer under title 15 Chapter 41 Credit reporting agencies section of the US Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Reopen the complaint with Experian regarding the incorrect address where I have lived since XX/XX/2000 since it remains incorrect, i.e., 'XXXX  XXXX ' is omitted. Under Personal Information in my Experian Credit Report, the current address where I have lived since XX/XX/2000 should be corrected from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to the correct address, i.e., add XXXX XXXX : ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX As documented in the previous complaint, I've been trying to get this simple correction done for several years. What is the problem that Experian can't make this simple correction?

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 2021-07-23 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: FL

Complaint narrative:
Transunion has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
XXXX  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FL

Complaint narrative:
XXXX  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX Deposit made after XXXX XXXX  at ATM for {$3300.00} - {$220.00} immediately available. Called bank about hold time, and funds were to be released XX/XX/XXXX. 
XXXX fund not released, no notification of extra hold given to me. Will not release until XX/XX/XXXX. Was told by chat agent to call in. Called bank and was told Fed returned the check unpaid. Escalated to a manager who said Safety had extended the hold that it had been returned by the Fed as unpaid. 
XX/XX/XXXX afternoon - received confirmation from issuer that check was not returned and was being processed. Provided information to the bank. Was told it had not cleared yet and if it being cleared could be verified they would release funds. 
XX/XX/XXXX evening was called by issuer and informed that XXXX XXXX had cleared the funds. 
XX/XX/XXXX - called NFCU and they refused to release funds. Will not release until XX/XX/XXXX NFCU availability policy is 5 business days from acceptance of deposit. I was told repeatedly when it showed cleared by XXXX XXXX these funds would be released. 

Paperwork provided is by issuer of check. Despite repeated requests for copies of hold notification or reason for additional hold from Navy Federal Credit Union not a single piece of information was provided. Even when told I would be emailed a copy nothing was sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as Equifax and XXXX. Afterwards I dispute the information with XXXX XXXX. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to Equifax and XXXX  despite if the account is no longer open several days, after.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I reached out XXXX  to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to XXXX  my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and Experian. Afterwards I dispute the information with XXXX XXXX. After disputing with XXXX  the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and Experian despite if the account is no longer open several days, after.

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 2021-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I signed a purchase contract on XX/XX/21 and started the mortgage process with United Wholesale Mortgage in XXXX, MI. The usual process of paperwork was started and was progressing towards closing. The initial date for closing was for XX/XX/21. I received my 3 Day Closing Disclosure on XX/XX/21 and was told to wire funds to attorneys office for {$19000.00} on XX/XX/21. The closing did not take place until XX/XX/21. On XX/XX/21 at XXXX XXXX  I was notified that I needed an additional {$6000.00} to close the loan the next morning!! I asked why and was told that the back ratio had changed to 46 %. At the given time, the FHA guidelines allowed me up to 52 % debt ratio without any problem getting the loan. I said that nothing had changed with my debt or income, how could that have happened. I was never really given an explanation. I was desperate to close the property. I received my final Closing disclosure at the closing table at the attorneys office at XXXX XXXX  on XX/XX/21. I feel that I wasn't give the proper notice before closing. The loan amount changed, along with amount to close, and the interest rate. I wasn't given a 3 Day Disclosure with all of these changes until at the closing table.

Company response to consumer: Closed with explanation