vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MD

Complaint narrative:
the data that self financial incXXXX send out on XX/XX/2020 at XXXX est time zone my balance of ( {$250.00} ) when i look at my statement from login in on there website its different then what they are sending to u. now i know under the fair credit reporting act. this is a huge mistake on someone end either the billing e-oscar system going in loop and missing important data and skipping and missing stuff automatically, or e-oscar just been broken for 30 years. 

i have login in my account its very strange when you account tells you there no payment due or minimum balance due. we surely have a concern in the data system making errors or mistakes or just more errors then the system can handle. i spoke with self lender during the months of XXXX and XXXX and and XXXX and XXXX and XXXX and XXXX of 2020 during this cov-19 i ask the lady name XXXX, XXXX, XXXX, what are they doing to help there customers that had been effect with jobs lost/ and XXXX dollars to pay there account. self lender agent stated we don t care about our customers and that have been effective by cov-19 and they don t care about any ( executive order from the state of marylands residents ) Make a Credit Card Payment Credit card number : XXXX XXXX XXXX XXXX Remaining statement balance : {$170.00} Current balance : {$170.00} Payment due date : XX/XX/2020 Minimum payment due : {$0.00} Payment amount : Payment method : Add payment method Payment processing date : Immediate - ( XX/XX/2020 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Ace cash express i been having trouble paying it but i have recieved threats and i dont believe its from ace cash express

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: FL

Complaint narrative:
Called to make an online payment of the balance due of XXXX. Agent made a mistake and made the payment of XXXX leaving me with a balance of XXXX when I called to make the payment of XXXX cents, I was told I could not make an over the phone payment of. XXXX as they could not process a balance of that amount. I asked if I could make a XXXX payment and was told no as that would leave me with a credit. Agent said I would have to write a check for XXXX or use my credit card to make a purchase in order to have a higher balance to pay the XXXX. I asked if they could write off the XXXX balance as this was their error and was told no, there was nothing they could do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from Boeing Employee Credit Union ( BECU ).

As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my BECU accounts from the website. I had not realized at the time that BECU Mortgage kept separate addresses on file even though all records are accessed through the BECU banking website, and because of this, the mailing address for the BECU mortgage account was never updated. 

Sometime in mid-XXXX, I switched to a different insurance company for the XXXX XXXX property and informed BECU of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that BECU force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, BECU apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. BECU also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to BECU after which they issued a refund for the insurance and associated fees. BECU also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. I spoke with the company and all three bureaus as well most recently as of 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 2020-09-17 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: WA

Complaint narrative:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX property and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

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 2020-09-17 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: WA

Complaint narrative:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX XXXX and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: WA

Complaint narrative:
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from XXXX XXXX XXXX XXXX ( XXXX ). 
As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. 

Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my XXXX accounts from the website. I had not realized at the time that XXXX Mortgage kept separate addresses on file even though all records are accessed through the XXXX banking website, and because of this, the mailing address for the XXXX mortgage account was never updated. 

Sometime in XXXX, I switched to a different insurance company for the XXXX XXXX property and informed XXXX of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. 
Several phone calls later, and upon closer review of my account, I found that XXXX force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. 

While this was happening, XXXX apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. XXXX also just held on to my monthly payments without processing them nor issuing a refund. 

In the end, I immediately paid the overdue amount and submitted proof to XXXX after which they issued a refund for the insurance and associated fees. XXXX also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. 

However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. 

I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.

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 2020-09-17 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX is showing up incorrectly with the bureau. It shows late payments however the information is inconsistently reporting across the three bureaus. Specifically the dates of XXXX, XXXX, XXXX, and XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. I spoke with the company and all three bureaus as well most recently as of 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 2020-09-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
Company has given me multiple versions of when my account may or may not be unfroze. I sent in all the appropriate documents the company requested and was told wait one hour call back that was a lie so next person said wait 24 hrs and call back another run around  and lie. So since XX/XX/XXXX my account has been frozen with my only means to live along with it and all I've been told is a different version of nothing since that day and it takes five days to get a fax according to reliacard, but just two days ago I called again and finally the fax was received with my new message being that they will be looked out in 24 to 48 hrs well today I called with a man saying don't get stressed it's no big deal well sir I'm about to be homeless, and I keep being told ten to 15 days but seems like when that time comes it's well five days for this five for this or we don't do anything but read the screen and then get told they reserve the right to not renew my card and when I ask on what grounds they say idk I'm not in the investigation dept. I just want to pay my bills and not be told when I ask if no new card is given what happens to my money and they answer idk I don't work in the investigation dept. Then what can't I talk to that dept. I have done all I can do to prove who I am and do all I can do for a reason that is still unclear to me. So do I keep filing my weekly claims and take the chance of not getting it ever or do I borrow money to open a bank account and at least gety checks sent direct deposit. Bad enough it cost me XXXX bucks I didn't have to send the fax to the prepaid card. Who are these people. I've seen a lot of this with this card. Please 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 2020-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for addressing the following concernsregarding the Foreclosure and Resale of XXXX XXXX XXXX XXXX, Texas XXXX of complaint to the Fair Housing Authority, due to issues that occurred once delinquent. Also, violations of the Comptroller of Currency ( O.C.C. ) will display Compliance risk, Credit risk, and Strategic Risk, which are violators of the Unfair Deceptive Abusive Act Practices. 
Furthermore, within the Fair Credit Reporting Act sections 610 & 611 with credit reporting. Sec. 802. [ 42 U.S.C. 3602 ] under the Fair Housing Act In conjunction with the Uniform Residental Loan Application Agreement, which under section the " liability after foreclosure, '' which may protect consumers after foreclosure of a remaining balance. 

While the original loan provider Ocwen Co. targeted me financially unsophisticated while facing distressers, age characteristics, and decent. 
Credit Risk, while undergoing the modification process, the term of the contract of 360 months increased to 420 months. In contrast, the agreement 's duration, the modification did not display any significant changes. 

Strategic Risk if the home was foreclosed and sold at {$170.00} XXXX, the original loan was {$160.00} XXXX if there were equity within the property. What resources could have allocated to ensure a full understanding of what could have prevented foreclosure? 

They're compromising notations within all Credit Reporting Agenciesfalse information furnished on credit profile with the possible intent to possibly due harm. With the continued inscriptions, creditworthiness and score continue to decrease. 

The property foreclosed was valued at XXXX and sold for XXXX XXXX. The original loan amount closed XX/XX/2005 for {$160000.00}. 
I am requesting equity on the property during the time of foreclosure. If the valued property did not increase, which could have prevented foreclosure, how was this formulated? T During the proceeds, documents were unclear even during the refinancing of the mortgage. Areas of uncertainty arrived when the modification didn't assist with financial troubles, under the Loan Application Agreement,  which under section the " liability after foreclosure, '' may protect consumers after a remaining balance. The protection which may have prevented any additional debt on the home, I was forced to forclosed. 
P.H.H. company who service property issued documents for signature ; however, unclear of verbiage. While new provisions set, I can stay in a home as a tenant and no longer a possible homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
This complaint stems from a previous complaint filed against US Bank, complaint # XXXX. US Bank froze our line of credit due to a subordination agreement on a refinance that was not closed on. Due to our complaint, US Bank contacted us stating if we provide a letter from the closing company that the subordination agreement was not enforced nor recorded, that they would lift the freeze. We, in accordance to what they requested, provided the letter to US Bank from the closing company, but the freeze still remains in place. Furthermore, we were not given direct contact information for the person handling our complaint, thus rendering us incapable of directly communicating with anyone who directly knows what is going on with this situation.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Made an unauthorized inquiry into my credit report from Experian on XX/XX/2020.

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