vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
RoundPoint Mortgage Servicing Corporation ( XXXX ID # XXXX ) deducted {$350.00} from the escrow account ( loan number XXXX ). They marked as delinquent tax payments to New York XXXX on the statements and on the online portal. I called RoundPoint customer service on XX/XX/XXXX since I did not see New York XXXX delinquent payment received on the XXXX site. The agent who answered the phone asked me to check with New York XXXX and call back after a couple of weeks. I ended up calling New York XXXX to verify on the same day and they verified I don't have any delinquent tax payment ( not requested/not received ) on my account but they informed me they always receive the property tax payment late and they ended up charging interest to me. 

I called RoundPoint customer service again on XX/XX/XXXX, the agent said they sent the payment through XXXX and their tax department is researching this so call back again after a couple of weeks. 

I called again on XX/XX/XXXX to check again and the same answer received to call back. I'm filing the complaint since I did not get a positive answer even though I follow up continuously with the mortgage company. Appreciate all your help.

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 2021-02-21 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: GA

Complaint narrative:
I am listed as a authorized user on my wifes XXXX XXXX XXXX XXXX since 2017 however, it has never been reported to Transunion. I have contacted XXXX XXXX with my wife and they stated that they have forwarded all activity to the 3 credit bureaus since the opening of her account. 

In addition I believe the information is not being reported because my name on my report is incorrect as is addresses for me. 

Also, Transunion has put back on my report a collection that does not belong to me due to the name error. This account I have disputed before.

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 2021-02-21 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: LA

Complaint narrative:
TransUnion, XXXX  and XXXX  has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve 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 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am an international Bank of America customer living in XXXX, XXXX. 
On XX/XX/2021, I was victim of an electronic fraud with my Bank of America debit card in several business entities in XXXX, XXXX of XXXX. Five charges for a total of US {$11000.00} were made in a few hours. Bank of America only properly alerted me on one of the charges at the moment it was requested, ( and asked me to approve or reject it ) which I inmediately rejected. The fraud report was made the same day of the events, however, Bank of America has failed to protect me as a customer and reimburse the fraud amount, on the presumed basis that the charges were properly approved, which is not true. 
I am making this report prior to filling reports within XXXX and US Police Departments.

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 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have multiple late payments due to financial hardships in XXXX that have yet to have fallen off my credit report. I was a new worker with XXXX  stress due to my personal XXXX  disorders. I had been laid off and had some immense struggle finding new work, as well as family issues. It was truly an awful time. I am really sorry about my lack of communications due to my XXXX  and so greatful that CapitalOne gave me a chance despite such egregious late periods. I would like to request that due to my 6, going on 7 years of never missing a payment with CapitalOne that you guys please remove those late payments. I have turned over a new leaf and would like to ask for a good-will letter to understand why that happened, get back in good graces with you guys, and remove these awful marks from my credit report. 

Additionally, I would like to improve my cards with you guys. I have 2 cards and have for years, but one has a nasty annual fee. I'd love to see about removing that AF, or even a product change. I haven't had much luck with customer support about improving these cards, mostly due to the score hit from the mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc.
State: MI

Complaint narrative:
This is the second complaint for the same issue. The previous complaint number is XXXX XXXX. 
You closed the complaint because Michigan Mutual " claimed '' to have refunded the duplicate payment of {$1200.00} on or about XX/XX/XXXX via direct deposit. 

I spent an hour on the phone with the bank and they have no record of any refund, deposit or any activity from Michigan Mutual or for the amount of {$1200.00} for the entire month of XXXX OR XXXX. 

So now, the mail doesn't work nor does direct deposit. Unbelievable! ' Here is the response I sent to them : I contacted my bank and spoke to the head of the accounting department. She went through all of the records for the month of XXXX and there was nothing from Michigan Mutual and nothing for {$1200.00}. So, now you have " apparently '' attempted to refund my duplicate payment twice with no success. Since the United States Post Office and my bank are not sufficient enough to handle this " refund '' I am now DEMANDING that you apply the {$1200.00} to account for the XXXX payment. I have absolutely had it with this situation. I want an immediate response to this email and notification that the payment has been credited to my account.If I do not get immediate results my next step is to hire a lawyer, contact the news and sue this company for false claims and lies. 

I don't know what else to do. 
This is impossible. 
Please help. 
XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2021-02-21 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2021-02-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: MD

Complaint narrative:
On XX/XX/21 at approximately XXXX XXXX. I called New Day mortgage. Their agent XXXX XXXX answered the phone, he asked a few questions, told him I was looking for mortgage at 2 %. Did not finish for what yet! He asked for my & my wife 's social security # s. He then said I'll be back! After a few minutes he came back on the line, I asked him what he DID! Then asked if he did a credit check! Was I it soft or hard! His answer was hard! I Did NOT Authorize IT. I then asked him to spell his first & last names and his license #! He then told me we can '' t do bussiness! And hung up!

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 2021-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have a Comenity Bank Card through XXXX XXXX. They keep lowering my credit limit for XXXX reasons. I have included correspondence asking for them to either raise my credit limit to the original limit or close the account altogether. They are refusing to do either. They have claimed that my credit changed when they lowered my credit limit after I made a payment. I have included a printout to show that as of XX/XX/XXXX there were no changes to my credit report. Their reasons why are fraudulent. I do not have too few bankcards, I do not have too many derogatory or delinquent accounts ( the accounts they are using against me are the other accounts I had closed because they kept lowering my credit limit to the point it was dragging my credit score down for the same reasons ), Not enough balance paid down over time, I can not keep up with the ever-changing credit limit, so I had no other choice but to close those accounts through Comenity. That is why several of their bank cards were closed. I have 19 inquiries from XXXX still sitting on my credit report. This not even be a factor. The one that gets me is the lack of real estate secured loans. Because of the games, they plan I do not qualify for a home loan. Why would not having real estate loans be a factor in lowering my credit limit? They claimed that they make contact with XXXX every month. How is that legal and fair? Why is my credit report on their radar? Why are they singling me out? Their credit practices are predatory and discriminatory. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: LA

Complaint narrative:
XXXX, Equifax and XXXX has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital system sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Jefferson Capital System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: PA

Complaint narrative:
I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.

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 2021-02-21 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: FL

Complaint narrative:
I have submitted a dispute regarding collection accounts to XXXX XXXX and the Transunion credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.

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 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to Portfolio Recovery Associates for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Secure One Capital Corporation
State: FL

Complaint narrative:
EARLY PART OF XX/XX/XXXX, I RECIEVED A LETTER FROM SECURE ONE CAPITAL INVITING ME TO PARTICIPATE IN A REFINANCE. MY LOAN OFFICER WAS XXXX XXXX XXXX # XXXX SECURE ONE CAPITAL NMLS # XXXX. 

HER PHONE NUMBER IS XXXX XXXX XXXX. XXXX XXXX ASSURED ME SHE WOULD WORK WITH MY FINANCIAL PROFILE TO SEEK THE BEST POSSIBLE SOLUTION. I HONESTELY BELIVED HER. ON XX/XX/XXXX I WAS ASKED TO SIGN A WET BORROWERS AUTHORIZATION, THIS FORM WAS TO ASK MY CURRENT MORTGAGE LENDER XXXXXX/XX/XXXX FOR A MORTGAGE PAYOFF. 

I SIGNED THIS FORM AND RETURNED IT TO XXXX XXXX TO PROVIDE TO XXXX XXXX XXXX TITLE IS THE OPENER ). XX/XX/XXXX, I FINALY HEARD FROM XXXX XXXX INFORMING ME THEY WERE WAITING ON THE APPRAISAL TO COMEBACK AND THEN WE WOULD GO INTO PROCESSING AND UNDERWRITING AND CLOSING. ON, XX/XX/XXXX XXXX XXXX EMAILED ME AGAIN ASKING FOR MORE INFORMATION, XXXX XXXX AND THE W2 FROM XXXX, SO THEY COULD FINISH UP THE UNDERWRITING. I SENT THIS INFORMATION ON THE SAME DATE. 

RECENTLY XXXX XXXX CONTACTED ME AND INFORMED ME THE UNDERWRITING WAS SUSPENED UNTIL UNDERWRITING COULD REVIEW MY DEBT TO INCOME RATION FOR ANY ADJUSTMENTS. I FOUND THIS QUESTIONALE SINCE XXXX XXXX HAS BEEN IN CONTROL OF MY REFINANCE, I DONT KNOW WHAT SHE SUBMITTED TO UNDERWRITING NOR HAVE I SEEN ANY SECURE ONE WEBSITE INFORMATION ON MY LOAN PROCESS. SHE NEVER OFFERED ME ANY VIRTUAL TOUR OF HOW THIS PROCESS IS HANDLED BY SECURE ONE CAPITAL. 

EVERYONE KNOWS WHEN A REFIANNCE TAKES PLACE, THE CONSUMER SHOULD BE ABLE TO TRACK THE PROGRESS OF THE TRANSACTION VIA THE LENDER WEBSITE. I THEN RECIEVED MY HOMEOWNERS INSURANCE POLICY, SHOWING WHERE MY MORTAGEE WAS CHANGED TO SECURE ONE CAPITAL. HOW IN THE XXXX DID THIS HAPPEN WHEN MY LOAN IS SUSPENED WITH UNDERWRIITNG, MY HOMEOWNERS INSURANCE CO IS KNOW ASKING FOR {$4300.00} DUE BY XX/XX/XXXX ... NO ONE WAS AUTHORIZED TO CHANGE MY MORTGAGEE UNTIL THE REFINANCE IS PROCESSED AND CLOSING TAKES PLACE. 

SECURE ONE FURTHER SOLD MY INFORMATION AND NOW I AL GETTING SCAM CALLS CONSTANTLY. THS MATTER NEEDS TO BE CORRECTED AND I WANT A TELEPHONE CONFERENCE WITH SECURE ONE CAPITAL IMMEDIATELY TO CLEAR THIS DIBOCAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to National Credit Adjusters for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
I have submitted a dispute regarding collection accounts to XX/XX/XXXX Equifax, and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
I have submitted a dispute regarding collection accounts to Experian,XX/XX/XXXX and the XX/XX/XXXX credit bureaus.On my 3rd dispute attempt I sent the actual status updat of the collection accounts were actually closed prior to the 1st initial dispute request in XX/XX/2020. 
I have requested the deletion of the accounts based on the accounts not being verified or the client being forced to update the accounts. 
I submitted my 2nd dispute request with the 3 major credit bureaus with no updates. Through frustration I have submitted the court documents to prove the accounts were satisfied and should be removed based on the intentional incorrect reporting.

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