vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Due to hospitalizations and lay-off from work my husband and I were not able to pay our mortgage to XXXX XXXX. XXXX XXXX offered a forbeancence option with 3 payments of {$500.00} each for XXXX, XXXX and XX/XX/XXXX. The mortgage was transferred to Specialized Loan Servicing LLC ( SLS ) at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Colorado XXXX. We completed the Loan Modification application and the bank certified checks were sent by overnight mail and received by the first of each month for XXXX, XXXX and XX/XX/XXXX. We have tracking numbers proving the overnight packages arrived on time. I spoke with SLS on XX/XX/XXXX ( XXXX ) and asked if they received the XXXX payment. I knew they had because the USPS tracking number XXXX confirmed receipt. XXXX said she would notify my point of contact ( XXXX ) who would get back to me. XXXX did not get back to me. I called on XX/XX/XXXX and spoke with XXXX at XXXX XXXX. She told me at that time that the XXXX payment of {$500.00} was not received according to her software. This is false b/c we both checked the USPS tracking number which proves the check was received. I asked to have a supervisor call me and she said someone would within 24 to 48 hours. No one called. I called SLS again today XX/XX/XXXX and spoke with XXXX. I gave him the certified bank check number for the XXXX payment of {$500.00} My bank said that SLS has the check they just haven't cashed it yet. XXXX ( SLS ) says he will put in a request to find the check. This is the first time anyone has told me that the check was lost/misplaced and it will take 5 to 10 days to find it. He also said a supervisor hadn't called me b/c 48 hours hadn't gone by yet. I am getting the run around from SLS. I need to know if our Loan Modification was approved and what I have to start paying as a mortgage amount. I should not be forced to pay overdue fees b/c we filled out all the application and submitted the application and the three {$500.00} payments on time. I don't understand why SLS is holding the check and not cashing it. Why aren ' t they contacting me with an answer to my question about the loan modification. Something is fishy here.

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 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like my fraud alerts removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted Citibank. Citibank told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. Citibank should not make decisions based on inaccurate, information that XXXX XXXX XXXX has provided them about matters between myself and XXXX XXXX XXXX which has nothing do with my Citibank accounts. Citibank needs to put my credit limit back to its original limit as I have never made a late payment with Citibank. XXXX  XXXX XXXX reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless 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 2020-01-03 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:
XXXX  XXXX XXXX, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a XXXX  XXXX XXXX member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other XXXX credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. XXXX  XXXX XXXX has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. XXXX  XXXX XXXX turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. XXXX  XXXX XXXX retaliated after I filed a CFPB report about their unfair and deceptive practices. XXXX  XXXX XXXX also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after XXXX  XXXX XXXX told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that XXXX  XXXX XXXX has provided them about matters between myself and XXXX  XXXX XXXX which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. XXXX  XXXX XXXX reported to Experian that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless 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 2020-01-03 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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: TN

Complaint narrative:
G.C. Services Limited Partnership XX/XX/XXXX : $ XXXX Actions taken by me : Debt Consolidation Company XX/XX/XXXX The company sent a letter and contacted me via telephone. 
I've already informed the company that I am not working, and to stop calling. The debt consolidation company is the best route for me at this time, to pay them. There is no need to harass me, or to contact any of my family and friends, against my will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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: CITIBANK, N.A.
State: OH

Complaint narrative:
This company accepted my security deposit XX/XX/XXXX. Closed my account a few months later. Along with pro-rating my security deposit with the account balance. They sent me around XXXX in the mail for the remaining balance they owed me. Because I gave them XXXX and only owed them roughly 100-150. 

Well comes to find out they never closed my account. They marked it as stolen or identify theft and I never requested that. Now Im getting late payments on my credit report due to their mistake. I owe them 0 money and they need to fix their system. I tried calling them and was on the phone for 5 hours XX/XX/2020. I kept getting hung up on and kept getting sent absolutely no where. I am disputing everything with the Credit Bureaus.

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 2020-01-03 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: CA

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

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 2020-01-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately

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 2020-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I honestly do not know who used my information to obtain a mortgage..all I know is when I applied for XXXX Charge was asked if I took out a mortgage in XX/XX/2019..Which I never did..

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 2020-01-03 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed charges for a medical debt that does not belong to me and obviously a result of identity theft. i sent the bureaus letters asking them to verify the accuracy of the account and to send me all applicable proof as far as account statements, applications, signatures on applications services rendered but i haven't received a response. This is fraudulent and needs to be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I am sitting in a Hotel in XXXX New Mexico with my husband and dog after traveling XXXX miles from my home in XXXX. 
I have sold my home in XXXX to a very nice, well qualified buyer. 
I have a contract to purchase a home here in XXXX with a closing scheduled for XX/XX/2020. 

The Bank of America is the lending institution my buyer of my XXXX property is using. The Bank of America in XXXX has failed miserably to complete their obligations to us, our title company the buyers title company, my realtor, myself and the party I am purchasing my new home from. 

The title company in XXXX said that it is " unprecedented '' that a bank would not fulfill it's obligations at the scheduled time of closing. ( Which was already delayed due to the banks employee/ agent taking a vacation in the middle of this important XXXX  XXXX dollar transaction. ( the most important and largest transaction in my life. ) Promises to clear to close continue to be made, extra copies of documents are requested and then requested again. Closing gets delayed, the agent is unprofessional and clueless. His boss ( supervisor ) Does not return calls and does not offer even his last name to the buyer. I need help! I am hold up in a hotel in New Mexico!!!!!!

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 2020-01-03 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
The bank let someone else 's tax refund go into my account I called the bank and told them it didn't belong in my account the bank rep said well if the IRS put it there then it belongs there. So I am thinking well maybe it was owed to me. I get SSI and I am not allowed to have over {$2000.00} in my account at any given time so I withdrew the {$XXXX} after waiting almost five days after I informed them, still they did not take it out so I did and it got stolen from me I tried to make a police report but they almost laughed at me because I told them XXXX  dollars was stolen from me by a guy who gave me a ride to the bank and all i knew was his first name and what kind of vehicle he drove which had paper dealer plate on the back nothing on the front so the police said you want to file a report on money that was not yours that was stolen from you from a guy with the first name and a vague description of his vehicle,? And I said yes they looked at me like I was insane and kinda laughed under their breath. This was in XXXX of 2019 of which i had spoke to an officer who said I might be charged with fraud because I took the money out of my account I told him the IRS put it in my account and the bank did not try to return it. XX/XX/XXXX the bank put a hold on every dime I had saying the IRS put the hold on it they did not because I called them. So they took over {$300.00} of my money and told me they were closing my account on XX/XX/XXXX which means they also plan on taking my XXXX and XXXX income!!! My phone is going to be shut off my rent is due I wont be able to pay my car insurance or storage lot fee where my fifth wheel trailer is being stored and they told me to call the police officer whom I spoke with already in XXXX Who has not called yet.

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 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am disputing this debt because it is a billing error and I do not owe it. This debt is regarding XXXX XXXX  done at XXXX that was billed incorrectly to my insurance with the wrong diagnosis codes. I have explained this issue to the provider at XXXX XXXX, XXXX in person, via phone, via fax, via email and no one seems to care to abide by best practices and update this error. The billing was to be updated as XXXX XXXX for XXXX/XXXX for a XXXX XXXX XXXX  and the start of XXXX XXXX for the start of XXXX school. This is disheartening as I have always had full coverage medical insurance and also as a XXXX XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, this debt has been disputed through all avenues and has yet to be rectified. Because this debt is disputed, Radius Solutions should not report it to the credit reporting agencies. But they have, again I am requesting the removal of this error and to update and contact the credit reporting agencies. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: RI

Complaint narrative:
Fedloan Servicing 's website is what could only be considered intentionally confusing, I dont know how someone could design a website this poorly. All I want to do is determine what loan repayment plan I am on so that I can plan my repayment. I have been logged in to my account with them for over an hour clicking around trying to find a page with the above information. This should be the first thing that appears under account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: NJ

Complaint narrative:
I disputed some erroneous late payment reporting with Experian Credit Bureau. Also XXXX XXXX purchased XXXX 2010. This is when the name was changed to XXXX XXXX. But Experian Credit Bureau is reporting 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 2020-01-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

Also, the creditor of this account, which is XXXX  XXXX XXXX confirmed that they do not have any physical proof, a signed document with my signature on the account. 

Not only that, they also confirmed that my SSN was added to the account only in XX/XX/2019, which is IMPOSSIBLE as I have been disputing the account for over 1 year and XXXX XXXX XXXX did not have even my SSN in records at the time of the application, which again, could have been ANYONE who applied in my name online. 

Also, as of today XXXX updated my credit report as well and has taken off my credit report the above mentioned account. Please see proof attached!

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