vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: MD

Complaint narrative:
In XXXX of XXXX i got approved for a mortgage modification which has been received by my mortgage lender Ameris Bank formerly XXXX XXXX  for new mortgage loan. I've made on time payments as of current. But in XXXX of XXXX i called in to make a payment and they told me i was behind on payments. I told them i have been approved for a mortgage modification in which they claim they do not have on file. I sent them the letter with the official seal to verify it but they did not acknowledge it. I sought legal representation from legal shield to help but they continued to not acknowledging my official documents for approved mortgage modification. Which is why i am sending this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: CA

Complaint narrative:
We thought we filed bankruptcy on the 2nd loan which at the time was {$75000.00}. The mortgage company Franklin Credit Management never contacted us again. This past XX/XX/2021 they sent a certified letter stating we owed {$180000.00}. We tried to reason with them but they a very predatory company. We were just told today XX/XX/2021 that we could get a loan modification at 8 % with a down payment of {$22000.00}. We do not have {$22000.00}. My husband was in the hospital with XXXX. We had a loss of income and have had a horrible time in the last 18monts. The loan is 12 yrs old this timing could not be worse. I offered Franklin Credit Management {$10000.00} ( which we will get from family helping us ) and asked them re-calculate the payment. I ' am awaiting an answer. 

Please can you help us in any way stay in our home? Please. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXXn XXXX  TransUnion XXXX  All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN. All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information. Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX  XXXX XXXX  Equifax All 3 Credit Reporting agencies refuse to release any & full credit reports to XXXX XXXX XXXX in her requests by her name, DOB, SSN.

All 3 Credit Reporting agencies will only provide to XXXX XXXX XXXX ; by her current address ; nothing else ; a strictly limited information.

Infact all 3 credit reporting agencies ; contrary to federal laws ; inform Ms. XXXX they only do data release related of Ms. XXXX 's current and given address ; not by her name, DOB, SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper / Nationstar Mortgage purchased the servicing of my mortgage. My loan is impounded for Taxes and Insurance. Mr. Cooper / Nationstar failed to pay the proper amount billed by my insurance company and by the time they discovered they paid the incorrect amount my insurance was canceled. Unbeknownst to me there has been no insurance on my property for the last six weeks. Because Mr. Cooper / Nationstar has done this on several occasions before my insurance carrier has canceled me and I was forced to purchase insurance from another insurance company at a higher cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: DISCOVER BANK
State: MO

Complaint narrative:
Due to lack of response from these companies, I am filing this complaint to XXXX XXXX XXXX, and DISCOVERBANK. They have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: GA

Complaint narrative:
I was ambushed by this company by a fraudulent advertisement in the store, the sign said 24 months same as cash, after opening the account went in to make my first payment only to find out it wasnt 24 months same as cash but 12 months same as cash, so I panicked to try and get the account paid off before the 12 months, I felt since they hadnt explained it therall to me on the end of the contract I needed 2 more days to come up with the full amount, Got an associate on the phone that needed to get approval from a manager and he put me on hold came back to the phone saying he had gotten it approved so I called back a few days later to pay the account off and the new associate had no clue of what I was talking about but these calls are recorded, but they claimed they did an investigation and they didnt find anything which is ironic, because upon taking payment or setting up payment arrangements the calls are recorded.So long story short I ended up paying hundreds of dollars in interest fees because after they didnt hold up there end of the bargain the account nearly tripled I struggled to pay it off which I finally did but had nemerous late charges and late payments I was devistated. I had a total of 3 accounts with this company now I only have 2. I had no clue what to do, plus they were reporting late payments to my reports during the height of the pandemic XXXX and XXXX of XXXX also XXXX and XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I am a XXXX XXXX provider but due to the Covid 19 pandemic lock down there was literally zero business.During the lock down I did not work for more than a year and applied for government mandated mortgage forbearance plan which was approved as well as extended. 
This XXXX i started working and i tried to resume my mortgage payment. The bank refused to accept regular monthly payment and demanded me to pay back the full forbearance balance at once, which is more than XXXX XXXX dollars. 
I did not work for more than a year, i asked the bank for deferment of the balance, which they denied verbally over the phone, stating my lender does not offer deferment. 
Then the bank asked me to apply for loan modification, which they denied as well. 
My home loan was modified back in XXXX during the real estate market disaster, my bank keeps referring to those policies. 
This is year XXXX, there is a global pandemic and financial recession, how could the bank ignore current situation and base their decisions on XXXX. 
I am in a position to resume my home mortgage payments, it will be possible only if the bank is willing to work with me. 
I applied for modification which was denied based on the XXXX modification, this is unrealistic and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TX

Complaint narrative:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MO

Complaint narrative:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: NC

Complaint narrative:
XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, XXXX, TRANSUNION, XXXX..TO REMOVE XXXX  XXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...

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 2021-08-11 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: NC

Complaint narrative:
XXXX OF 2021, XXXX OF 2021, XXXX OF 2021. I ASK ALL THREE CREDIT COMPANY, EXPERIAN, XXXX, XXXX..TO REMOVE XXXX XXXXXXXX XXXX  ACCOUNT ENDING IN # XXXX AND XXXX XXXXXXXX XXXX ACCOUNT ENDING IN # XXXX. I HAVE LETTER STATING THAT THEY AGREE TO REMOVE THIS ITEMS AND HAS NOT.. THE ATTACHMENT IS BELOW ...

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 2021-08-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
Received fraud opened product from XXXX tried working with XXXX said they would send out a return label and still nothing from them XX/XX/2021 N/A credit adjustment XXXX + {$700.00} XX/XX/2021 N/A credit adjustment XXXX + {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$950.00} XX/XX/2021 N/A debit adjustment XXXX  XXXX XXXX {$700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: MA

Complaint narrative:
I was unaware that the terms of the loan were like this. The amount i pay biweekly is barely getting applied to the loan principal. The interest rate is a triple digit number. And after speaking with a representative the dollar amount gets higher after each payment and just digs you deeper into debt. I had no idea i would pay so much and if i did would not have signed the online forms. You pay 4 times as much as you borrow and interest rises everyday at an extremely high rate.

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 2021-08-11 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: MO

Complaint narrative:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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 2021-08-11 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: MO

Complaint narrative:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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 2021-08-11 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 disputed this account information as inaccurate with XXXX XXXX XXXX and Equifax, and they have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is obligated by law to remove the item. There is a clear case of unverified debt here. 
If all three credit bureaus verify from the creditor why is it that only Equifax is the only credit agency reporting the false information. 
How is it that Equifax is the only company allegedly able to contact and receive a response from XXXX when they claim that the negative that is mines. I am attaching the original letters sent to both Equifax and XXXX asking for verification. I am also attaching proof of my identity as well as proof that the letters were submitted via USPS and picked up by a representative from XXXX and delivered to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
New mortgage investor JP Morgan Chase refuse to acknowledge new contract payments agreed in bankruptcy in XXXX confirmation. Practicing inaccurate credit reporting of old discharge for balance of old loan in XXXX. Have collected and apply cash payments for the last eight ( 8 ) years against RESPA ; Fair Credit ; Predatory Lending and Bankruptcy Laws. Unfair, abusive and deceptive practice concerning property rights by attempting to accelerated foreclosure without legal notification and based on inaccurate balances and deceptive collection of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: MS

Complaint narrative:
I had a recent unauthorized hard inquiry that showed up on my transunion report. I contacted the company who had no knowledge of the inquiry. I contacted transunion about this inaccuracy and was told that they can not do anything about it. According to the FCRA, it is their responsibility to investigate and delete the information if proven not to be correct.

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is forcing me too buy monthly credit services or they won't show my credit report they want XXXX from 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 2021-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
A personal loan exceeding the usury rate with a rate of nearly 400 % per annum. I was expecting the loan to appear on my credit report so that I could increase my score by paying the loan off early but I don't think it was reported at all. Prior to waiting for the loan to be recorded, I called and asked if the company reported to major credit bureaus and was told yes, XXXX through some company called XXXX. It has been 24 hours, the repayment amount has increased by about {$20.00}. My loan number is XXXX. How do I go about ensuring that the company complies with the usury rate. It would not be such less of an insult if this company actually reported to a credit bureau, to show a good payment history.

Company response to consumer: Closed with explanation