vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
On XXXX I sent dispute letters all 3 credit reporting bureaus regarding inaccurate and unknown things on my credit report to this day it has been almost 2 months and I have not received a response yet. I feel like Im being taken advantage of and my disputes are being ignored. I don't know what I need to do from here for my valid concerns to be addressed. These things are effecting me from obtaining credit and makes me look bad. I want these inaccurate items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I request these accounts be deleted immediately or I will file further complaints and go as far as any litigation due to the stress you are causing me. I'm unaware of these things on my report that I disputed. Please help me resolve this as soon as possible. I appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
Hello, My mortgage at ditech/green tree services was sold to shellpoint financial, when sold ditech was reporting me delinquent. Shellpoint then transferred that delinquency to two of my credit reporting agencies, XXXX  and XXXX  only. Ditech/green tree was reporting incorrectly, they are now bankrupt and no longer in business. I have filed a dispute with all three credit bureaus on ditech and it was removed however shellpoint is still reporting the delinquency. I attempted to pay ditech at which time they told me to pay the new company ( shellpoint ), I called shellpoint for two months at which time they advised that I was not onborded yet and they would let me know when so I can make the payment. Once I was on boarded I was able to make my payments. At which time I made all payments and have proof of all payments. I am not sure why they are reporting me delinquent, I have proof of all payments and it clearly states that I am up to date on them. This was being reported in early 2020, I believe the delinquency was reported for XXXX and XXXX. Technically I have 90 days to transition to a new lender, and secondly, this was in the middle of Covid, I believe this is wrongly reported. I have made multiple attempts to work with Shellpoint, I do not get any returned phone calls, they do not reply to my emails, and they are non responsive to me. Unfortunately I have spent so much time trying to be patient and work with them to no avail, I have a clear history of on time payments and more than the minimum paid. This is an error on their part and not communicating is making the situation even worse. It is impacting my ability to get a new home, at which time I can only pray it is not going to be serviced by Shellpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
In XXXX, XXXX, I purchased solar panels for my home through a company called XXXX XXXX '. They offered, and I accepted a time payment plan from a 2nd party company named " Solar Mosaic '' @ a 1.49 % interest rate. The system was installed on my home and payments to Mosaic began XX/XX/XXXX, XXXX.Mosaic takes the payments directly out of my checking account. This was a condition of the loan. 
So, on XX/XX/XXXX the payment for XXXX had been taken from my checking account, as agreed. The payment for XXXX, XXXX, was not due and payable. 
( This is where my complaint begins ) On XX/XX/XXXX, I paid an additional {$500.00} to principal on the loan - as to reduce the balance. The Mosaic Company credited my account with ( {$490.00} ) and charged me interest of ( {$5.00} ). I contacted them and was told, in order for the amount of money paid over and above the regular monthly payment, the additional amount had to be paid along with the owed amount. Well, since the company Mosaic takes the money directly out of my checking account, there is NO WAY to accomplish this. I pay down that loan when I have the extra funds to do so. Is it legitimate for Mosaic to remove interest money from additional money I pay towards the principal on the loan? I think not. 
The way they have it figured, every nickel i pay on my loan has an interest charge tacked onto it. Again : The Mosaic company removes the monthly payment directly from my checking account. If I elect to pay an additional amount, they charge interest on the additional amount. I can not submit extra money to be applied to principal without them removing interest because they remove the monthly payment money directly from my checking account. Their records that are the basis of this complaint are listed below. 
amount principal interest XX/XX/XXXX Payment ( {$97.00} ) ( {$64.00} ) ( {$33.00} ) XXXX ( Additional ) Payment ( {$500.00} ) ( {$490.00} ) ( {$5.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
We have called Kia Motor Finance 10 separate times on this same issue. 
The problem began when we canceled the GAP insurance and extended warranty on this loan. They said it would take 90 days for it to be processed. It did take that long. 
When it was finally processed and they received the money it was not allocated to my balance. First it said online that I didnt have to make a payment until XXXX. I called them and notified them I wanted the refund applied to the principal. They assured me it would be applied within three business days. It was not.

I have called every three business days for weeks and received the same answer. There is an additional XXXX I paid which I also asked to be applied to principal which has not been allocated. 
When I called on XX/XX/XXXX, after talking to XXXX I was transferred to a supervisor XXXX who assured me it would be allocated within 3 business days. 
I called back twice on XX/XX/XXXX. XXXX and XXXX both put me a hold for a supervisor and I was disconnected both times. 
I have also requested my money back and XXXX told me this can not be done. She also stated there is no one s be her to speak about this issue. 
I do not know what to do. I can not get anywhere with this company. My payments have been on time and I have no problem making them which is why I want this money allocated to the principal and not future payments.

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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted the Bureaus Transunion, XXXX and XXXX I have received confirmation from the U.S. Bankruptcy Court stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights, and they have obtained my information without my consent from public records.

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 2021-06-02 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: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft ACIMA CREDIT XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
Hi, this complaint is an extension to my previous complaint. I asked my mortgage company ( caliber ) to do me a loan modification more than 10 times and they promised to do it and so far ( about 5 months now ) I did not even received the loan modification application yet. 
My monthly income have been reduced because of covid and I need a lower monthly payment so I can resume payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
I am a recent college graduate. Upon checking my credit report, I found several inquiries, wrong address and a collection account that does NOT belong to me. I am trying to seek employment but these erroneous items are preventing me from employment. 

FOR THE RECORD : This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX XXXX Fed Credit Union ( twice ), XXXX Card, XXXX, XXXX XXXX XXXX and XXXX XXXX NA. I also have a collection account with no name but an account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 


This not a credit reporting agency. I am writing because I am a victim of identity theft. Equifax, XXXX  and XXXX  continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. I am expecting you to follow the laws and have this information blocked from my report.

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 2021-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: UT

Complaint narrative:
Fay Servicing has ignored our requests for mortgage forbearance extensions past the initial 12 months provided by the Cares Act which ended on XX/XX/2021. President Biden signed an executive order granting 2 additional 3 month extensions if we are experiencing covid-19 hardships. Before our initial 12 months of forbearance were up on XX/XX/2021, we sent emails and a certified letter requesting the forbearance extensions to our loan servicer, Fay Servicing on XX/XX/XXXX, and again on the XXXX, XXXX. We then sent a certified letter requesting the forbearance extensions on XX/XX/2021. These requests were ignored by Fay Servicing. 
We received a letter from XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX stating there were hired by Fay Servicing to collect our mortgage debt. They said we had 30 days to dispute the claim. On XX/XX/2021, without giving us time to dispute, Fay Servicing filled out a Substitute of Trustee form giving XXXXXXXX XXXX XXXX  the right to collect on our mortgage. On XX/XX/2021 XXXXXXXX XXXX XXXXXXXX sent a notice of their intent to sell our home because of alleged default. 
This is all illegal according to our right for mortgage forbearance and our right to apply for a Loss Mitigation to help us keep our home. 

Please look into our situation and help us. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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:
Transunion is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by 1000 in fines.

i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.

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 2021-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: NC

Complaint narrative:
I recently received a copy of my 3 credit reports and noticed AmeriCollect were reporting that i owe two separate debts for {$750.00} and {$710.00}, when i was made aware on this collection was reporting in my credit file i sent 3 letters requesting information about this debt the first was sent on XX/XX/2021 and they never replied back, the second was sent on XX/XX/2021 and they never replied back. 

i never signed any contracts, agreements or documents with AmeriCollect or anyone they are collecting for, i never provided Americollect with my personal information which includes my social security number, address, phone number, dob, name. 

i never gave permission for Americollect to access my private medical history or very private medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I filed a complaint previously with CFPB under this reference number : XXXX. You did not allow me to rebut the response from Barclay 's. So I'm attaching more information to prove my side of the story. Barclay 's responded that the Merchant says I ordered a Bed Pillow. I did not order a Bed Pillow. I ordered a Nail Finisher. But received a package of disposable masks ( in reference number XXXX, I provided a photograph of the masks ). I'm attaching a copy of the email Order Details/Receipt sent to me from the Merchant dated XX/XX/2020 which PROVES that I purchased a Nail Finisher from this Merchant. Not a Bed Pillow. And not disposable masks. I am asking once again that you ask the Merchant to provide you with the Receipt for my order number XXXX, and you will see the same as my attached receipt. I want my {$76.00} to be refunded to 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 2021-06-02 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:
This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I spoke with XXXX, a floor supervisor for Ally Bank. She stated that Ally does not have an opt in/opt out feature for overdrafting your account. As a consumer, we have the right to not allow our accounts to overdraft. Because of this lack of oversight, I have received {$350.00} in overdraft fees since XX/XX/XXXX. When I asked for them to be refunded, I was told the best they could do would be to refund {$100.00}. Because I wasn't given the option to opt out of overdraft, as per the requirement stated in 1005.17 ( b ), those fees should be invalid. Ally had stated that the program that allows you to cover overdrafts via another account was sufficient, but according to 1005.17 ( a ) ( 2 ), the term overdraft service does not include any payment of overdrafts pursuant to : A service that transfers funds from another account held individually or jointly by a consumer, such as a savings account. Due to this oversight, the following overdraft fees should be credited back to my account, as well as any customer that has incurred such fees/possible punitive damages in order to deter future oversight : {$25.00} XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HOME MORTGAGE CORPORATION
State: DC

Complaint narrative:
On XX/XX/XXXX I received my Annual Escrow Account Disclosure Statement, which adjusted my mortgage payment effective XX/XX/XXXX. The statement included activity from XX/XX/XXXX through XX/XX/XXXX in order to project the balance at the end of period. The statement included an actual tax payment of {$2900.00} in XX/XX/XXXX, as well as two " projected '' tax payments of {$1500.00} each in XXXX of XXXX. The " projected '' payments are for the same actual payment that was made. As a result, this statement shows my escrow account as underfunded by {$3300.00}. Due to this mistake, my mortgage payment was increased by {$240.00} starting XX/XX/XXXX. 

I contacted First Home Mortgage on XX/XX/XXXX about this error and was told that it would be reviewed and I would be contacted. On XX/XX/XXXX, I contacted them again and was told that the matter had not been looked at. After pressing the agent I was connected with a Supervisor named XXXX who stated that she would look into in and either herself or her manager ( XXXX ) would contact me. As of XX/XX/XXXX, no one has contacted me and I have not received the correct amount for my mortgage payment this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This greatly affects me with my credit dealings because this makes it harder and time-consuming to transact, It goes without saying that I want this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: GA

Complaint narrative:
TransUnion is reporting 5 late payment in the Account Summary for XXXX and they are no late payments showing in my credit report. I have requested this correction a number of times and TransUnion refuse to correct the issue. The next step will be a law suit for the sure and I will reach out the Attorney General as well. I have attached supporting picture and you see that Trans Union is the only one reporting this information and effecting my credit 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 2021-06-02 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: NY

Complaint narrative:
On XX/XX/XXXX, I received a report from your organization, and surprisingly, I found some unauthorized inquiry as well as invalid information, and it's written below : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I notified the creditor who made the inquiry to remove it and told them to stop doing these kinds of things but as of now, there's still no response from them, As I believed this violates the Fair Credit Reporting Act. I'm asking for it to be investigated thoroughly and do something accordingly with regards to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?

Company response to consumer: Closed with explanation