vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized Loan Servicing is refusing to offer a loan modification and only offering a forbearance due to COVID-19. The forbearance does not help me or the vast majority of homeowner 's since the balance of the 3 month forbearance is required to be paid in full at the end of the forbearance. What is the point of even offering this? 

SLS refuses to even offer the prospect of a loan modification simply stating that it 'may ' be available in the future and that they can't offer any additional information pending " a review of applicable laws and statutes ''. 

Their Customer Service has been unwilling to assist me as a homeowner simply because my loan isn't federally backed. My complaint is to try and force them to treat these loans as federally backed and offer loan modifications rather than forbearances. My original loan from 2010 was with federally backed mortgage. Due to circumstances that I had ZERO control over the loan has been sold multiple times and ended up with SLS. Now I am being penalized during a GLOBAL PANDEMIC. I find this terribly unfair and am asking for your assistance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XXXX of 2019, I was released from my job due to a medical condition and my income was cut by 30 %. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX, I was unable to keep up with my credit card payments. I called and informed the company of my hardship and I would pay everything in full once I was able to. The representative I spoke with encouraged me to send in a letter stating the reason why I was unable to pay in full so that the late fees and reporting late to my credit report would be removed. The account was paid in full XXXX of 2019 and has been current since, but the late payments have not been removed from the months stated above, causing a decrease in my credit score. If I could get that handled like I was promised that would be wonderful. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank Card Services has not reversed the XX/XX/2020 {$65.00} XXXX XXXX charge that has been disputed for more than one month. That charge has not been reversed and is included in my current balance due after logging in to their website. Each time I call or sent secure email they deflect my XX/XX/XXXX dispute to 2 later charges XXXX charges that were reversed and NOT AT ISSUE! 

Also, my TD Bank Visa card was closed in XX/XX/2020 due to suspected fraud and I was locked out of on line access ( shoot the victim? ). I was told NO NEW CHARGES WOULD POST TO THAT CLOSED CARD. Yet on XX/XX/2020 a {$8.00} charge was posted to my current TD Bank card using the closed card number! If the closed card could accept new charges then why was it closed and another card mailed to me? This is highly irregular and against TD Banks terms and conditions when a credit card account is closed TD Bank has also blocked me from sending secure messages and a Disputes department supervisor named XXXX x XXXX hung up on me when we spoke earlier this week. Previously I spoke to XXXX in Disputes department located in GA case number : XXXX. He promised that the charge would be reversed after listening to the voice-mails of XXXX XXXX which is not contesting any disputed charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC

Complaint narrative:
The original complaint was submitted back on XX/XX/XXXX when XXXX tried to bill me for equipment that was returned on XX/XX/XXXX and the case was closed by CFPB and the collection agency, XXXX XXXX XXXX XXXX XXXX, then. The original case number was XXXX. This has turned into predatory practices. The details, dates, amounts, etc related to the case are as follows : I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/XXXX. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX  tracking number of the shipping label the company sent me was xxxx xxxx xxxx. The monthly bill was usually due on the XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XXXX through the XXXX of XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. Any assistance is more than welcome. Thank you so very much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$2300.00} DEPTEDXXXXXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$250.00} XXXX  XXXX {$550.00} XXXX XXXX  XXXX {$2600.00} DEPTEDXXXX  XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX  XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX AR XXXX {$530.00} XXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX  XXXX {$250.00} XXXX  XXXX {$550.00} XXXX BANKS XXXX {$2600.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Have been trying to login Equifax for my free credit report for a week. It says to call XXXX. Called that today XXXX at XXXX. On hold for 45 min then XXXX answered and said he didn't know how to fix it. Apparently all he has to do is give me a pin so I can sign in, but he wouldn't do anything to help. I cant get any contact info or even an address, to talk to someone to get my supposedly free annual credit report. Had no problem getting it from the other 2 bureaus, XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Hello My name is XXXX XXXX and I am writing for assistance against a company 's that I have been disputing with for over 5 months and which have not been forthcoming with information requested. While they report data onto my consumer credit files in an inaccurate manner they do nothing to answer my concerns or comply with what I am asking them for. I have turned to the CFPB as my last resort to help mediate this problem and also to oversee that they actually meet compliance to the FCRA and specifically the FDCPA and not just have them stamp their disputes that way without doing anything. 

The company is XXXX XXXX XXXX, who i have disputed and requested documents under the provisions of the Fair Debt Collection Practices Act. I simply do not have enough information about this account and need their assistance so that I can review all information and then dispute accuracy if need be from the information they hold. I need this and it is not being provided. i ask that if this company does not have such information that the removal of the illegal reported collection be stricken from my files. They have done enough damage and have done nothing to meet actual FCRA requirements. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
The company National Credit Systems been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
upon checking my credit report I seen that I had a negative balance of {$1200.00} I called Capital One which was the owner of the credit card they told me that the account was sold and XXXX XXXX XXXX had my account I called XXXX XXXX told them that my credit card was stolen out of my workplace I used to work as a XXXX XXXXt there was a XXXX  that I attended to next thing that evening I found that my wallet was missing my boss which was a XXXX  simply just gave me money to get home and at that time havent any knowledge to go to the police department report my wallet being stolen So I can have proof of this fact and now Im trying with XXXX XXXX Get this matter solved on several occasions they send me a packet containing no valid proof of billing to this amount {$1200.00} I immediately recalled them back and still no help they say they cant send me what they have in the there computer so now This is one of the steps Im seeking help to gain the necessary clearance of negatives on my credit reporting That isnt valid charges thats bazaar yes Im complaining against XXXX XXXX XXXX I spoke with many agents. Dated my information to be reached everything even spoke with Senior account executives by the name of initials XXXX  First name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/XXXX XXXX withdrawals were made from our account one for {$2700.00} and one for {$1300.00}, the name on our bank statement is XXXX XXXX XXXX for both withdrawals, saw that this was done when checking bank account on XX/XX/XXXX at XXXX XXXX  called Bank of America and notified them they canceled the debit card and have issued new card

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX {$2700.00} XXXX {$3000.00} XXXX  XXXX {$5900.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$1100.00} XXXX XXXX {$3000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$2200.00} XXXX XXXX {$3300.00} XXXX   XXXX {$2200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lending Club Corp
State: NY

Complaint narrative:
In XXXX, XXXX I got approved for {$15000.00} loan, {$14000.00} been transferred to my bank account the last week of XXXX. 
It was 36 Mo. term loan with % 29.67 interest rate & % 34.53 APR. I started paying XXXX, XXXX, XXXX. I was great customer for 14 ( Fourteen ) consecutive months until XXXX, XXXX. Every month {$630.00} goes from my bank account to the lending company with No problem, Fourteen straight months No late fee or anything. I work as an XXXX XXXX, I filled for unemployment, but I didn't receive any money until today. I tried to contact the lender several times, No response, ONLY, a message that tells people how great this company is, and how they are complying with the federal government regulations, and how they are here to help .... and on and on. I went to their website and emailed them through their page. Said that I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. This Email was three days before the XXXX payment due. I called my bank to make a stop payment for this amount, because if they ignored my email that I sent three days before, they won't be able to withdraw money from my account. I wasn't sure when I will be able to have more money in my account, and what ever was in my bank account need to be saved for rent, food, and more important items. 
I received an email in XXXX, XXXX, XXXX that said they weren't able to withdraw the payment for my account. I replied to this email with the same message I sent through their website ( I won't be able to make payment for the month of XXXX, and maybe the month of XXXX. There was a link to defer plan, I applied for it, they said that they will get back to me within 10 days, but No one did. I couldn't make a payment for the month of XXXX. 
They didn't send an email this time or tried to contact me to find out what happened, especially I was a great customer for 14 months. I assumed that they understood my financial situation, but NO, last week I received a letter from a COLLECTION AGENCY. can you believe that. I called and I gave them what they deserve, they said they will review my case and get back to me, that was last Tuesday. Now I need to know what can I do, I didn't pay the rent for the month of XXXX or XXXX, I didn't receive any money from the unemployment yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I previously submitted this complaint ( ID XXXX ) : " Equifax is denying me the ability to log in to my account in order to control things like freezes and other settings. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. They said that I would have to make any account changes by phone ( hours long waits ) or fax ( don't have a fax machine ) until the end of time, they would never stop refusing to fix the issue. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to control it. '' The response I got from Equifax was : " Thank you for submitting your complaint through the CFPB Complaint Portal. Please be advised no specific dates were provided regarding your date range lift. As as result, Equifax has lifted your Security Freeze for 15 days, commencing on the date of this letter. If you would like to shorten or lenghten the 15 day timeframe given. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. '' As you can see the company did not address my complaint at all. I was not asking for my credit freeze to be lifted. I am asking to be able to log into my account. They then suggest I can create an account, however as my complaint stated I already have an account and am being denied the ability to log in. 

To be clear : I need access to log into my account. I DO NOT need a freeze adjusted.

Company response to consumer: Closed with explanation