vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XXXX of 2020 I requested a Mortgage Forbearance for my loan being serviced by Specialized Loan Servicing. I was approved for the forbearance for XXXX, XXXX and XXXX. Per the conversation I had with the customer service rep, I was to go online at the end of XXXX and request and extension to the forbearance if was needed. 

On XX/XX/XXXX I requested at forbearance extension. 

On XX/XX/XXXX I received a letter saying that my request made on the phone on XX/XX/XXXX for a loan modification was approved and my missed payments for XXXX and XXXX would be added to the end of my loan. I NEVER REQUESTED A LOAN MODIFICATION LET ALONE APPROVED ONE.

I have since called Specialized Loan Servicing every week asking for them to reverse the loan modification and process the extension. 

Every time I called they acknowledged that I never made the request for a modification, that this " was very odd '' and they would escalate to their supervisor. 

After the forth time my call was no longer being answered by SLS, but was now being forwarded to Bankruptcy Specialists because my loan was now in default. EVEN THOUGH MY ORIGINAL FORBEARANCE AGREEMENT INCLUDED XXXX. 

Additionally I have now requested my original loan forbearance agreement 3 times. Each time they promise that it's being sent by mail and I have never received it. What are they hiding? 

After my 7th call, now speaking with Bankruptcy specialists I was finally told that the investors in my loan were not accepting additional forbearance extensions. 

Today, XX/XX/XXXX I was told that my loan 's investors were XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXX, but they had no record of my loan. I could not find any contact information for XXXX XXXX XXXX XXXX to contact them. 

I feel this is explicit Mortgage Fraud. I never agreed or requested a Loan Modification and I certainly would not have agreed to anything that would have taken me out of forbearance a month early. I believe they are trying to make me default on the loan purposely.

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 2020-07-23 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: AES/PHEAA
State: PA

Complaint narrative:
I was enrolled in school and AES didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with AES and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
I filed a complaint against experian for applying a security freeze without my consent and not allowing to verify i am the person the freeze is affecting and by them making me jump through so many obstacles to attempt in recovering pin to remove feeeze they have been having an adverse afffect on my physical health and mental health by denying me the opportunity to apply for credit thus harming my ability to financial freedom and progress. When i submitted the complaint i specifically asked XXXX to be retrieved or removed but they ignored my question as if they read something compltely diffferent than the issue i filed for. Saying that if i wanted to apply for a freezei can do so with proper id.? They are ignorin ng me and continuing harm my health and freedom. I will be looking into civil rights violations for that

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
After waiting months to receive my husbands unemployment from out of state, chase seized our entire account balance without warning leaving us with nothing. They wont say when we will get the money back or give us any information to solve the problem. They left us with absolutely nothing and scratching our heads. Were honest, hard working people who have never committed fraud in our lives. Were supposed to be innocent until proven guilty but Im having to prove I didnt do anything wrong to get my own money back. In the meantime I cant pay my bills. The funds were deposited from the NY department of labor on XX/XX/XXXX and XX/XX/XXXX. The account balance of XXXX were seized XX/XX/XXXX. I spent 2 hours on the phone with the company and went to the physical branch as well. They just keep saying the decision has been made. We have {$0.00} to our name with bills coming up in a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
The collection company Berlin Wheeler is reporting XX/XX/XXXX as account opened for XXXX XXXX XXXX, past due amount {$140.00} I paid in XXXX, I advised Berlin Wheeler Agents in various calls which escalated to a supervisor, which i didn't ask for, that the actual Date of Delinquency for this XXXX   XXXX XXXX is XX/XX/XXXX, therefore a closed account stays on a credit report 7 years from date of delinquency, if this was dated correctly it would not be in my XXXX  and XXXX credit Reports. Berlin Wheeler remain adamant in inquiring waiting on XXXX  XXXX to email them and thus correcting the date of this PAID-CLOSED account. XXXX  XXXX is yet to send an email because they don't list this account as delinquent, and 1 agent advised me they don't know how the collection account got to Berlin wheeler. This is a negligent and inconsiderate credit reporting practice that is resulting in personal opportunity cost of seeking the purchase of a new home, and to rectify 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 explanation
Consumer complaint received 2020-07-23 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: IL

Complaint narrative:
Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by XXXX points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.

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 2020-07-23 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: IL

Complaint narrative:
Company reported the incorrect balances in XXXX, XXXX & XXXX. Investigation didnt resolve the problem. Only made it worse. My credit score decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: PA

Complaint narrative:
I was enrolled in school and XXXX didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with XXXX and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NV

Complaint narrative:
These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.

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 2020-07-23 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-23 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: NV

Complaint narrative:
These are not my accounts, nor have I lived at this address. Please kindly remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Radius Global Solutions LLC
State: AL

Complaint narrative:
UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE

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 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Siwell Inc
State: TX

Complaint narrative:
Dear Sirs, I was offered forbearance for the Months of XXXX, XXXX and XXXX and since XXXX I have been emailing them asking to receive information so I can resume payments without penalties. Capital Mortgage Services of Texas was going to send me a contract at the end of the Forbearance period instead I received on XX/XX/XXXX ( Statement Date ) a Total amount of XXXX ( ( 3 months worth of payments ) plus accrued late charges and total fees and charges. 
This people are using indecent malpractice business strategies to take advantage of their customers hardships due to COvid-19. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: GA

Complaint narrative:
Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar  and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.

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 2020-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-23 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National credit system Inc, XXXX  XX/XX/XXXX amount {$10000.00} I have reached out to the company XX/XX/XXXX and disputed XXXXwith XXXX  they closed the dispute without providing accurate documentation proving I was the owner of that debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion continues to report old information and collections that were included in bankruptcy are still reported as open collections. The dispute functions on the website are not working and I was on hold on the phone for over 1/2 an hour, I could not wait longer. Transunion is used as part of an application process with XXXX and a recent application was dismissed entirely because of this foul 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 explanation
Consumer complaint received 2020-07-23 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: I.C. System, Inc.
State: IL

Complaint narrative:
I recieved and update on XX/XX/XXXX I believe that I had a collection account hit my report for outstanding debt that I knew nothing of or had. Then I called the agency had wrong address for me and no other info at all. Says I opened in XXXX on XXXX but I've had XXXX since 2018. Also I called to dispute with agency received no help and not only did they report to my credit once they then reported 2 more times XXXX  XXXX  total of 3 times they hit my credit report and AFFECTED it each time!!!! And I know that is not legal for them to do 3 times in 1 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 2020-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I have paid off auto loan amount in full on XXXX2020 to gm financial and the amount should be XXXX .. is still said in credit report ( XXXX ) and I have the approval for that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/XXXX, I used TransferWise to transfer XXXX XXXX  to my blocked account in XXXX, which is required for obtaining my XXXX XXXX  visa. The amount was to be deducted from my XXXX XXXX account in XXXX. I chose to use TransferWise because it advertised its service as fast, convenient, and more affordable than its competitors. I needed the money to arrive in my blocked account quickly because my visa appointment was approaching. 

I entered all the necessary information on TransferWise 's portal and authorized the transfer through a built-in XXXX XXXX online banking portal. TransferWise 's portal said the transaction was successful and that the money would arrive by the next day. I didn't receive any notifications when 24 hours had well passed, so I decided to log in on to the TransferWise portal to check the status. I was so dumbfounded that it said my account had been deactivated. No reasons were given on the page. I contacted customer service who instructed me to contact their appeals team because only they were able to handle this. 

Worried about not receiving the transfer on time, I emailed the appeals team with my passport scan, a selfie of me holding my passport, my blocked account details, as well as my university admission letter. Customer service told me specifically to include the first two items involving my ID, as well as other relevant details. 

As I was awaiting the resolution of this, I googled " Transferwise account deactivated '' and found a lot of similar complaints of TransferWise deactivating accounts without notice and reasons, with some people 's money still in their TransferWise accounts. Luckily, my money was still sitting in my bank account when this happened.

I ultimately chose XXXX XXXX to complete my money transfer. I asked TransferWise to cancel my transaction and to delete my personal data. XXXX days later, they replied with an apology and said that my account had been reactivated. They did not explain what led to the " reasonable suspicion '' or why they deactivated accounts without notice. 

I think this way of deactivating accounts without notifying people is very unprofessional and problematic.

Company response to consumer: Closed with non-monetary relief