vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted an Equifax dispute on XX/XX/2020 for two debt collections. One debt collection was for XXXX XXXX XXXX XXXX and the other for XXXX XXXX XXXX XXXX. Both collections were for the amount of {$270.00}. I have continuously checked the Equifax dispute center and tried emailing their customer care to remind them of their obligation to the FCRA. It has been 37 days and no results have been posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I tried to do a loan modification with SPS. SPS is stated to me that the investor says I am not eligible. I next submitted a short sale and SPS had this in review. This account is an estate account. The home was owned by my son who XXXX XXXX XXXX XXXX XXXX XXXX. I was and still am living in the home. SPS did an appraisal which was very high so the buyer would not proceed with the short sale. After speaking to several SPS reps we were advised to redo a loan modification and if that failed then we could try a short sale again. Here is exactly was told to me on XX/XX/2019 " XXXX XXXX ( manager ) - stated that SPS has Power of Attorney for investor and they can decide what to review, they gave me a 60 day listing period for foreclosure protection and that even though theres not a sale date pending, its still in foreclosure and since they went past the allotted time they dont have the option to open a new Short Sale review. However, he did say that the loan modification review is an option and that at the end of that review whether or not its approved that a Short Sale review is an option at that time again if theyre denied or dont accept the loan mod approval. '' I spoke to XXXX  who is the owner of the loan and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules. This statement above stating SPS is doing what they want with having Power of Attorney should be against all CFPB regulations. SPS is hurting me and everyone involved in the short sale. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale. 

See attachment as well which page 1 clearly states a short sale is an option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: UT

Complaint narrative:
I have been under a {$0.00} IDR repayment plan on my student loans serviced by FedLoan for 3 years. FedLoan has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months Fedloan will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

FedLoan reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments Fedloan reportes as on time by the total number of months reported under the loans ( which includes months where Fedloan reports no payment information ) the resulting on time payment calculation is misleadingly low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I set up a paid service with Experian about 2 years ago. Recently I discovered I dont use this and the price is too high. I was sold on the ability to close my credit report when XXXX got hacked. 

There is no way to reset a password my email. There is no way to close my account via email. 

There are no people to help from the phone number. The auto prompt does not work. 

Since, I have tried to close my account 50 times. When I call in, they ask for ALL my information first, before im disconnected. This means entering my address and social security number over and over and over. I have entered every address that I have had in the past 3 years. I NEED SOME WAY TO CANCEL ALL PAID SERVICES. 

I want to cancel my Experian account. This is deliberate exploitation. PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am an elderly woman and believe someone has taken advantage of my information and open accounts in my name that are not mine. The following accounts are listed : CAPITAL ONE # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  # XXXX. I am a victim of identity theft and all these accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: PA

Complaint narrative:
Recently I suspected that my identity has been stolen due to the amount of notifications I received about inquiries that I have no knowledge about. I also am aware that my information was exposed I about 2 different data breaches. XXXX data breaches, and XXXX Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2020-04-06 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: CA

Complaint narrative:
On XX/XX/XXXX, a check XXXX ( check advance ) for {$920.00} was processed against my account that I never received, signed or approved. My account is set up for automatic payments, but my account had a XXXX  balance for many months. I noticed this charge in XX/XX/XXXX, and immediately called them to report on XX/XX/XXXX. The claim number is XXXX. They closed my card and sent me a new immediately and advised me that they would take care of this. I made several calls to ask about this investigation, asked to speak to a supervisor ; was told a supervisor would call me back and that the fraud department would take care of it. Being a long standing customer since XXXX, I never doubted the bank would not protect me. After hearing nothing from Citi, I called back in early XXXX and was told that my claim was closed. I never received any written correspondence about my claim from Citi, which I believe under a bank regulation they are required to do. 

If Citi bank reviews their call-in records they will see the numerous calls I made. In addition, I requested a copy of the fraudulent check and was told that they could not provide. I do not understand why, if there is fraud on my account the bank should prove to me the signature on the check, because it is not mine. 

On XX/XX/XXXX, I called them again and was told my claim was closed and they stated they opened a new case. I asked for a new claim number and the representative advised they could not give me one and someone would call me back in 10 days, I received no phone, and no correspondence. 

This bank needs to be investigated for unfair, deceptive practices because they are unwilling to assist me in this fraudulent cash advance check that was transferred to someone I do not know or is affiliated with. In addition, I believe the bank is waiting for the the 90 days to be up, so can tell me they can not assist and have no recourse. If they are doing this to me they must be doing the same to many customers. It is up to the bank to protect me, I immediately reported this crime, have not used my account in months. 

The bank is required by law to investigate and remove any fraudulent charges from my account. I requested Citi Bank to stop any sending checks before any of this occurred. 

I have continued to make my auto-payments because I do not want to ruin my credit, but this automatic payment is not an acceptance of this fraudulent check.

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 2020-04-06 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM EXPERIAN, XXXX  AND 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 2020-04-06 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: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX  XXXX XXXX refuses to update its credit reporting. I have reached out multiple times with no proper answer/resolution. They keep reporting 180-days late payments on my credit report every month. They also re-aged the account by falsy reporting that I have made a payment in XX/XX/XXXX. I have not made any payments to XXXX XXXX  XXXX XXXX in XXXX, XXXX, XXXX I have bank statements to prove it. They are also reporting to the credit Buearuaes that the loan was opened on XX/XX/XXXX, with a 72-month term. Based on that information the account would be long gone, charged-off & definitely off my credit report. They also have violated the UCC 9-616. Please help me stop this law-breaking company from further damaging my good name.

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 2020-04-06 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: UT

Complaint narrative:
I have been under a {$0.00} IDR repayment plan on my student loans serviced by XXXX for 3 years. XXXX has inconsistently reported my repayment history under these payment plans, which has had a negative impact on my credit scores. 

Some months XXXX will report my {$0.00} payment as on time, while in other months the {$0.00} payment goes unreported entirely. 

XXXX reports all three loans as active every month, so the total number of reported active months continues to accrue. However, when the bureaus divide the number of monthly payments XXXX reportes as on time by the total number of months reported under the loans ( which includes months where XXXX reports no payment information ) the resulting on time payment calculation is misleadingly low.

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 2020-04-06 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: TN

Complaint narrative:
I've sent out several letters to all three of the credit bureaus letting them know that a lot of the information they are reporting on my consumer credit report is inaccurate. Such as Experian has my mother 's name in place of my name and for allis have my correct name in place of that. Also, Experian, XXXX, and XXXX  have closed accounts and payment history on closed accounts in which I've attached with this complaint. all listed in my consumer credit report. I have sent copies of my Driver 's License with current address listed on it. I've sent copies of my social security card and bank statement that fell on blind eyes. All three of these credit bureaus sent me stall tactic letters and postcard letting me know that I didn't send them any proof of my identity and wants me to re-send the information to give them more time. Every time I send in the requested information in, either XXXX  doesn't respond back to me and when they do, it's way past the 45 days with again, send them proof of my identity. This is a bunch of bull and they know it. I have signed United States Postal Signatures from Experian, XXXX  and XXXX  that they did receive my disputed letters with proof of my Identity attached to the letters. I'm really surprised by XXXX  because I sued them back in 2018 and won by default. I'm not willing to go through this sending back and forth for something I've sent time and time again.

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 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, the taxing authority that has jurisdiction over my property sent Wells Fargo Home Mortgage a statement for {$4200.00} for XXXX taxes. Wells Fargo Home Mortgage paid only {$720.00} leaving a balance of {$3500.00} unpaid. 

On XX/XX/XXXX, Wells Fargo Home Mortgage contacted my home owner 's insurance company requesting them to remove my name from my policy. When they realized that they couldn't possibly do that, they ran out of options and had no choice but to pay the taxes as they were supposed to from the beginning. 

The problem is that, this bill had incurred interests and penalties of {$950.00} in excess of the original amount by the time they decided to pay it. I have intentions of paying off my mortgage this month and I wrote them on XX/XX/XXXX asking them to take care of the interests and penalties they incurred. They sent me the pay off statement from an unmanned email address and deliberately refused to say anything about my complain.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Certegy Holdings, LLC
State: AR

Complaint narrative:
DEAR CONSUMER PROTECTION BUREAU SO IM SUBMITTED WRITTEN EMAIL ABOUT IM HAVING PROBLEM ISSUES WITH AND BUSINESS COMPANY GOES BY THE FIRM NAME OF CERTEGY PAYMENT SOLUTIONS LLC SO ASLO I CAN PROVIDE MORE IMFORMATION ABOUT THIS TYPE OF BUSINESS SO THIS BUSINESS PROVIDE CONSUMER REPORT REGUARDING FINANCIAL DATA FROM BANKS CHECK CASHING MERCHANT RETAILS STORE LOCATION LIKE XXXX XXXX XXXX CHECK CASHING SERVICES SO THE MAIN PROBLEM ISSUES IM HAVING WITH CERTEGY PAYMENT SOLUTIONS LLC SO THIS BUSINESS AGENCY PROVIDE CONSUMER FINANCIAL DATA TRANSACTION REGUARDING DECLINE CHECK CASHING FEES SERVICES SO I WAS RECENT TRIED TO CASH AND CHECK AT XXXX RETAIL STORE LOCATION IN MY LOCAL AREA SO THE CHECK ENCLOSE WAS ISSUE FROM UNITED STATES POSTAL SERVICES CHECK DATE ISSUE XX/XX/2020 CHECK AMOUNT {$31.00} CENTS BANK NAME LOGO ISSUES CHECK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX ZIPCODE CHECK ENCLOSE WAS MAIL FROM UNITED STATES POSTAL SERVICES LOCATION XXXX MN XXXX ZIPCODE CHECK VOID AFTER ONE YEAR TREASURER SIGNATURE XXXX XXXX SO I HAVE BEEN HAVING SOME DELAY PROBLEM ISSUE WITH THIS BUSINESS CORRECTION MY CONSUMER CREDIT REPORTING FILES IN THERE COMPUTER SYSTEMS SO EVERYTIME I TRIED TO CASH CHECK AT XXXX STORE LOCATION CERTEGY PAYMENT SOLUTIONS LLC ALLWAYS DENIED CHECK FOR WHAT REASON I CURRENT DONT KNOW

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 2020-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
To whom it may concern : 1. NAVIENT continues to charge student loan interest on my federal loans despite the federal government passing the CARES Act that suspends interest on federal loans from XX/XX/XXXX - XX/XX/2020 because of the CORONA VIRUS. 

2. NAVIENT continues to process my monthly student loan payment incorrectly in order to ACCURE INTEREST and LATE FEES. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Company involved in the case : 1. XXXX XXXX 2. Aldous And Associates ( XXXX ), I noticed after opening my XXXX XXXX credit report a collection from the above companies amount of XXXX dollars which was opened on XX/XX/2019. i didnt receive any calls nor any mails. 

I immediately called XXXX XXXX to solve this problem, even though i have no clue of the charge, i paid it off since its effecting my credit. 

Its been a long time and the collection is on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/2019, my purse and all of its contents were stolen from my shopping cart. Although I reported the incident to all of my credit cards, Discover conducted an investigation and concluded that no fraud was committed. I submitted all necessary documents including a police report. Despite the fact that we called Discover that same day and several days later to report the incident ( we have a XXXX Call logs support this ), Discover claims that no such report was made and that I am responsible for the {$900.00} charge plus interest. Numerous calls have had no result. Please refer to the attached documents for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE IS AN ACCOUNT THAT IS NOT MINE APPEARING ON MY REPORT. 
I HAVE NEVER RECEIVED A COLLECTION LETTER FROM XXXX XXXX BEFORE SUBMITTING THE BELOW ACCOUNT AS A COLLECTION ACCOUNT TO YOUR BUREAU IN DIRECT VIOLATION OF THE FDCPA ( FAIR DEBT COLLECTION PRACTICES ACT ) THIS ACCOUNT IS NOT MINE, AND I DEMAND IT TO BE DELETED. THIS ACCOUNT IS TO DELETE IS XXXX XXXX, XXXX, # XXXX. REFER TO THE ATTACHED IDENTITY THEFT POLICE REPORT. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
THIS ACCOUNT WAS NEVER LATE, REFER TO ACTUAL PAYMENT HISTORY AND THERE WHERE NEVER LATE PAYMENTS EVER MADE, REFER TO ATTACHED REPORT SHOWING CREDIT XXXX AND XXXX HISTORY WHICH SHOWS NO LATES. I DEMAND THAT YOUR AGENCY AMEND THIS ACCOUNT TO SHOW NEVER LATE IMMEDIATELY. THE NAME FOR THE ACCOUNT THAT YOU ARE REPORTING LATE HAS A DIFFERENT NAME FOR THE SAME ACCOUNT FROM XXXX, TRANSUNION AND 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