vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: RI

Complaint narrative:
Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent numerous dispute letters to Equifax about a furnisher /public record named XXXX XXXX XXXXXXXX CT XXXX XXXX they are reporting on my credit report. Equifax claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX CT XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor XXXX XXXX ( who by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with XXXX XXXX has been locked from access how is Equifax able to verify this? I 'm very dumbfounded. 
If Equifax is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX CT XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is Equifax and XXXX XXXX able to verify so quickly with the court and mark it as " verified '' and close my dispute? With Equifax 's response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to Equifax and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from XXXX XXXX or the furnisher. 
Again, each dispute I 've sent to Equifax, answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have Equifax correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with XXXX XXXX XXXX the XXXX XXXX XXXX  CT XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX XXXX, they may be liable for their willful non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : Assured Financial Partners File : XXXX Original Creditor : XXXX Account : XXXX Please see collection agency information below. 
First Equity Alliance XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: TX

Complaint narrative:
There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 2017-09-10 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: TX

Complaint narrative:
There are 3 Student Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

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 2017-09-10 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 — Problem with personal statement of dispute
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have sent numerous dispute letters to XXXX about a furnisher /public record named XXXX XXXX XXXX XXXX XXXX XXXX they are reporting on my credit report. XXXX claimed they verified directly with the with Lexis Nexis that XXXX XXXX XXXX XXXX XXXX XXXX that the account belongs to me. I 've requested their method of verification SEVERAL times and each time they just mark as " verified '' without providing me proof of their method of verification with a written reply from the furnisher nor Lexis Nexis ( who  by the way has my account locked ) that clearly states this account belongs to me. These are all clearly stated on all my requests and yet they ignored and just marked it as " verified ''. If my account with Lexis Nexis has been  locked from access how is XXXX able to verify this? I 'm very dumbfounded. 
If XXXX is not able to provide their method of verification to me how do I know this belongs to me and how is this accurate? 

Nonetheless, I made my own request directly to XXXX XXXX XXXX XXXX XXXX XXXX, and my letter was as returned '' ( letter attached ). Now, with my request being returned from the court, how is XXXX and Lexis Nexis able to verify so quickly with the court and mark it as " verified '' and close my dispute? With XXXX XXXX response to my CFPB complaint # XXXX as " verified '' again. How is this all possible and how is this fair and accurate reporting? 

Several creditors, home lenders refuse to provide me credit due to this information and it is very damaging to my score. I 've attached all the letters I 've sent to XXXX and each dispute they 've responded with " verified '', again without providing me information on how they verified this information from Lexis Nexis or the furnisher. 
Again, each dispute I 've sent to XXXX answered as " verified '' without providing me proper " written '' method of verification is a violation of the FCRP 611 ( a ) ( 7 ). This is an intentional false reporting if they are unable to provide me their method of verification. I am making one final attempt to have XXXX correct/delete this information from my personal credit report before I proceed in a small court claims if they are unable to provide me WRITTEN verification on how they verified this directly with Lexis Nexis and/or the XXXX XXXX XXXX XXXX XXXX XXXX. 

I, again will remind XXXX that in a case, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit union, XXXX XXXXXXXX, advised me that my personal information may have been compromised by Equifax in a hacker attack. I was given the following webpage : https : //www.equifaxsecurity2017.com/ following the link on XXXX XXXX, XXXX. I was directed to another website to verify that my personal information was stolen, following the instructions to arrive at the website : trustedidpremier.com I entered the last six digits of my social security number and my last name was told that, in fact, my personal data had been stolen. I was told that my enrollment date was XXXX XXXX, XXXX and that I should return at that time to sign up for credit monitoring service. 

On XXXX XXXX, XXXX I discovered that Equifax set up a bogus website to tell all visitors that their data had been compromised. I discovered this by being directed to the following website : https : XXXX Someone investigating the Equifax website had entered fake data and was still told that, in fact, they should sign up for data monitoring service. 

I was defrauded. I was tricked into thinking that my data was compromised to sell me a service to repair damage for which Equifax is responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My XXXX XXXX XXXX XXXX was used by someone I do not know to purchase airline tickets. After sending in an affidavit stating that this was an unauthorized charge, the company rejected my fraud claim.

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 monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: UT

Complaint narrative:
Consumer credit reporting company XXXX has unduly rigid requirements for requesting either a credit report or credit freeze. They insist on being provided via mail, copies of identification documents such as driver 's license, passport picture page or social security card before taking action on the consumers request. The big three reporting agencies all use alternative verification methods that do not require release of additional information by the consumer.
See : 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 2017-09-10 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:
Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS # XXXX XXXXXXXXXXXX Ph : XXXX I have been getting calls as well as my family members that I owe debt to this company and my credit report does n't show that I owe anything to any collection agency/creditor or I 'm delinquent with any creditors. They mailed a letter to my mom that I am past due with the amount of {$4000.00}. 

This is the information on the letter : Client : XXXX XXXX XXXX File : XXXX Original Creditor : HSBC Account : XXXX Please see collection agency information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Riverside, CA XXXX Phone : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax inadequately protected my personal information, including social security number, and allowed the information to be compromised and accessed by unauthorized people ( hackers ). This data breach was announced on XXXX XXXX, 2017 but happened earlier in the year but was not immediately disclosed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: FL

Complaint narrative:
I checked on the website Equifax set up to determine whether or not my information was affected by the hack they recently disclosed. According to their website my information was impacted by the hack. I checked on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: CA

Complaint narrative:
I have completed IRS Form XXXX ( Application for Withdrawal of Paid Federal Tax Lien ). It is a new initiative ( XXXX XXXX Program ) for people who credit score suffers from a paid Tax Lien. The IRS sends a withdrawal form to the persons County Assessor to have the Tax Lien removed.
I have sent Equifax proof of Release of Federal Tax Lien, through email. Ive also did an online dispute to have the tax lien removed from my credit report in XXXX of 2017. However, the derogatory remains on my credit report under Public Records.
Fortunately the other two credit bureaus ( XXXX & XXXX ) have removed the tax lien, according to the IRSs new XXXX XXXX Program.
I have proof that the lien has been paid, released, and withdrawn from my County Assessors Office. Therefore, Equifax, should honor the release and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX 2017 I bought a gold chain from XXXX XXXX. It had a bad clasp so I returned it by the end of XX/XX/XXXX. Apparently I had to pay {$35.00}, {$8.00} for shipping ( was not refunded ), I did n't get a statement in XX/XX/XXXX, in XX/XX/XXXX they said I owed {$35.00}, and I called their XXXX number to find out why.
They informed me I had a {$25.00} late fee for not paying the shipping charge, and I told them I had n't received a bill. They also had reported me as late to the credit bureau 's. This took my high credit rating down to the low XXXX 's.
They took the {$25.00} late fee off, but did n't notify the Credit Bureau 's. This is the 2nd time I have had trouble with XXXX XXXX. I will not use them again. Apparently I had to pay {$10.00} to close the account, ( paid in full ).
I should have been credited for the shipping also, since it had a bad clasp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I bought my home on XX/XX/XXXXand i got Home owners insurance trhough XXXX XXXX which will be need to be renewed on XX/XX/XXXX. On XX/XX/XXXX I notified XXXX XXXX that i no longer will need the services for XX/XX/XXXX-XX/XX/XXXX. I got a new insurance company. yesterday i received a collection notice from credit collection services that i need to pay {$54.00} that i owe to XXXX XXXX i feel that XXXX XXXX have not honor me my cancelation notification 60 days prior to XX/XX/XXXX BECAUSE I WAS NOT RENEWING CONTRACT WITH THEM ANYMORE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX License Number : XXXX XXXX ( Office ) XXXX ( Fax ) XXXX XXXX XXXX XXXX NOT A PROFESSIONAL PERSON TO DEAL WITH

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 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: LA

Complaint narrative:
I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry.

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