vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
So as a veteran I am learning the importance of good credit. This was never taught to me. so in pursuit to this goal. I realize that i still had student loans on my on my reports. I then proceeded to dispute approx XX/XX/2020. I then called the Department of Education had them to send me letters and give me information to have a smooth dispute process. So after a successful phone submission on XX/XX/2020 I receive the up date. 

Its off my credit report good news right ; however, I then seen my score and instead of going up a 100 points it goes down 60 point  called for an explanation and not only was the employee rude and nasty to me the supervisor was very distasteful. Facts - I am a XXXX % XXXX XXXX   XXXX  veteran, i qualified to have all my loans forgiven and off my credit report ; when i realize it wasn't off my credit i corrected it. I locked my credit file to work on it. No new inquires and or accounts. I had 10 negative accounts and score was XXXX. 6 items was removed off my credit leaving me with 4 remaining negative accounts and drop 60 points leaving me at XXXX. 
This experience has been the worst how do i go down and i should have went up. They did not give me an explanation of why, was very rude, I feel like now they are standing in my way of credit freedom. I feel that they are apprehending me from my true war hero dreams and goals. I am a victim of abuse of office process and much more I need to speak to someone concerning this subject matter. 
Please and Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, Navy Federal ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), Capital one Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MD

Complaint narrative:
XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), XXXX  XXXX Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After 7 years of having a capital one credit card they closed it without notice. I never received anything in the mail to let me know nor did they give me a warning i needed to use the card to keep the account. I never had issues and this was my longest standing credit card. After they abruptly closed the account my credit took a 45+ point hit. This is detrimental to me as i was in the middle of trying to purchase a home. I have another credit card with them as well as a now paid off car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX 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 2020-05-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX 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 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
I filled a claim with USAA about a fraudulent charge and give them a signed letter from the company that stated one of their employee 's fraudulently used my information and USAA says to bad! I have also tried to get in touch with XXXX XXXX who USAA stated in their response from previous claim that he would be happy to assist me ... I have tried to call USAA, chat with USAA in order to obtain his contact information and they can't seem to find him or I get hung up on!! I tried to close this account and was told I could not!!!!! I want to file an appeal and and XXXX XXXX to contact me ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: MS

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
due to the horrific covid19 virus and the severe loss of jobs and/or income, i sadly speaking have been affected by this impact as well! 

i did get approved by JP Morgan Chase Bank to participate in their program where they agreed to allow ME to defer the mortgage for 3 months ( 90 days ), but what is extremely cruel, sad and inappropriate is due to the Fact that after the ( 90 day ) period, the bank is expecting the home owners to cough UP all of the money for the ( 90 days ) and pay them back ALL AT ONCE! 

this is a very Poor Business Tactic and it is extremely offensive, uncalled for, unprofessional, ridiculous and Just Not Fair and Not Right! 

i am still suffering by the way! 

By Right : they should be adding on the ( 3 ) Deferred Payments To The End Of The Loan AND Modifying Those Such Loans such as MINE Automatically With A Guaranteed, Lower, Fixed Monthly Mortgage And Interest Rate At Least For 5-10 Years That Is Still Guaranteed To Go Down Every Month Like It Has So Far! 

Moving Right Along : i did hear that they Can Offer A Modification which would be a Fixed Lower Mortgage Payment with a Fixed Lower Interest Rate for the Life Of The Loan and that Would Have Helped because I could probably ask one of my close relatives to HELP ME out somewhat with MY Mortgage. 

it just seems like the bank just wants ME to Lose My Home and i sincerely hope that that is Not The Case! 

for your information : my Loan Number with JP Morgan Chase Bank is : Loan Number : # XXXX thank you. 

sincerely yours, XXXX XXXX XXXX XXXX JP Morgan Chase Bank Customer For Over 10 Years +

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been trying to dispute this charge for awhile, first off I move out of the apartment a week after I signed the lease with the permission of the leasing agent because after moving in the ceiling in my sons room fell in it was a hole in the ceiling. It was agreed I could move out they kept all the fees, but it has still shown up on credit report, I attempted calling to dispute over the phone to no avail, i disputed on XXXX XXXX as well, i never received written notification of account going to collections, i don't know where the paperwork was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.

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 2020-05-22 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: NC

Complaint narrative:
Equifax is in violation of the following sections of 15 U.S.C. 1681 : 1 ) 1681a 2 ) 1681b 3 ) 1681c 4 ) 1681e 5 ) 1681i On XX/XX/2018, Equifax reported that 8 different corporate and financial institutions  made a hard inquiry on my credit for the purpose of auto financing. During this time, I was XXXX overseas and did not authorize anyone to make inquiries on my credit. I attempted to dispute this inquiry with each individual entity as well as with Equifax and they never removed the inquiries. These inquiries and Equifax 's neglect in mitigating the problem significantly and negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
This is a follow up to a previous CFPB complaint filed against SPS Servicing. Although they responded they failed to address the issues outlined in the previous complaint. 
1. The forbearance period offered for the COVID hardship is for 3 months. The CARES Act requires a 6 month forbearance. The forbearance plan that I attached again does not include any reference to a 6 month period. That is a violation of the CARES Act.

2. I wholeheartedly disagree with the fact that a balloon payment at the end of three months is not a UDAAP violation as it violates the spirit of the CARES Act and has the actual effect of discouraging borrowers from accepting a forbearance ( this is in the best interests of SPS as they can avoid having to pay the P & I payments while not receiving any payments during forbearance ). I am asking the CFPB to provide a ruling on such action as part of this complaint. There are thousands of similar complaints out there and further guidance from the CFPB would ensure this issue is addressed properly. 
3. A new item I am adding to the complaint is the failure of SPS to send out a monthly written statement. SPS recently purchased the servicing of my loan from XXXX. At no point did I consent to ONLY receiving electronic statements and there is no option on the online account to discontinue such practice. That is a violation of law without the consent of the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CA

Complaint narrative:
My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
According to CARES Act and following XX/XX/2020 - Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act, I have sent several letters to Freedom Mortgage via email AND Fax, requesting emergency forbearance, based on guides and rules within CARES Act. First letter was sent on XX/XX/2020, with 2 more requests. All of which have been ignored. No calls, no emails, no postal letters. All have been requested within guidelines and specifications, with referenced sections of CARES Act, within letters. 

I am within foreclosure, seeking gainful employment. I had a HUGE hit to my income, and while yes, in default, there is no reason for me to be ignored. When calling Freedom Mortgage, I have been on hold up to 2 hours or call backs, within 4 hours. While I understand the staffing challenges, this is unacceptable and adding to the stress of potentially losing my home. Unable to focus on daughters XXXX XXXX, due to this and can not get any contact with Freedom Mortgage. 

I am submitting complaint, as I believe they are stalling, so as to not have to apply the CARES Act Forbearance, due to time constraints. 

I am asking for Freedom Mortgage to finally acknowledge my attempts since XX/XX/2020, for Forbearance and to apply the 180 days, with acknowledgement that I can and required for additional 180 days, should that be needed. In short, the latest request was sent AND received by their email server and fax, on XX/XX/2020. Freedom is required to provide acknowledgement letter VIA EMAIL ONLY ( due to time constraints ) and provide immediate solution via forbearance and documentation. 

While I sympathize with current climate, staffing issues and volume to calls and requests, the fact that I received NOTHING from them since XX/XX/2020 is unacceptable and punitive. They are stalling, possibly awaiting the expiration date for the CARES Act or some other date. CFPB is to note all and instruct Freedom Mortgage to forward forbearance agreement and documentation Immediately, VIA EMAIL ONLY OR VIA OVERNIGHT CARRIER, for receipt to me no later than XX/XX/2020. Thank you..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CA

Complaint narrative:
I have a XXXX XXXX bill that I've gotten help to contact them and they are still leaving a debt on my credit that is not mine. Please do what you can to make sure they remove this from my credit report. It stopping me from buying a home at a decent rate.

Company response to consumer: Closed with explanation