vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
This is with SLS Mortgage Company. 

In XXXX, I was sentenced to XXXX years in XXXX My husband ( primary mortgage holder ) XXXX  me I deeded the house over to him in XXXX. He was suppose to refinance and take my name ( co-borrower ) of the mortgage. He never did. It is my understanding a loan modification happened in XXXX, yet I never signed a document. He got ill and passed away in XXXX. Mortgage payments were missed. He left the house to our XXXX sons and his mother XXXX XXXX was the executor of the estate. She was only the XXXX  was XXXX mos. in XXXX, however, continued to contact and negotiate with SLS as if she had the authority to do so. I was not aware of any situation. I was released from XXXX  XX/XX/XXXX. XX/XX/XXXX, she informed me that SLS stopped taking our mortgage payments but yet did not get me involve or tell me how bad the situation was. Around XXXX, she informed me and told me I needed to handle the situation with SLS. To do this day, SLS does not communicate with me or send paperwork the my address which is the property in question. I have filed many loan applications, and complied with their request to be told it was denied to paperwork. SLS has dealt with an individual who no authority to do so. This mortgage is under my name and social security, I have shown desire to keep the home as my income is more than enough to cover the monthly mortgage payment. SLS repeatedly has had the wrong information, repeatedly not contacted me, the person whose credit this affecting and as of XX/XX/XXXX, the sole owner of the home. 

I feel SLS uses unethical practices and my XXXX of being XXXX and not being in communication with SLS at the fault of SLS has now put myself and my XXXX children has being homeless.

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 2021-07-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent XXXX letters each to XXXX and TransUnion to correct and remove misspellings of my name and incorrect names reported. Ive attached my letters as well as the credit report showing what is incorrect. I have sent letters in XX/XX/2021 and XX/XX/2021, and have yet to receive any notification of an investigation.

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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These addresses are in correct and inaccurate : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ 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 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Home Point Financial Corporation
State: NC

Complaint narrative:
Reached out multiple times to Homepoint Financial to have XXXX time late payment removed. The company was doing a conversion and switch company names. No action taking by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive requested three separate times that XXXX, TransUnion, and XXXX investigate and provide proof that some unauthorized inquiries be removed. After three months of waiting they have yet to respond or remove these. *attached support documentation

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 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a BestBuy Credit Card - serviced through CITIBANK.

My BestBuy Account was paid in full with XXXX Balance. 
Most recently I began receiving calls and voice messages from a recording stating the call was pertaining to a " balance due '' on my BestBuy Credit Card.

Odd, I did I have not made any purchases, nor have I authorized any purchases.

After attempting to call the CitiBank Credit Card Services for BestBuy, I was informed I could not file a " dispute '' until I spoke with a representative at Best Buy about the charge. 
I called the Corporate Number for BestBuy, after on hold for 94 minutes, without being able to reach a live person. I then called BACK CitiBank Credit Card Services for BestBuy and firmly requested a FRUAD DISPUTE be placed on my account. 
I representative stated that since this charge was made by the " XXXX  '' I was required to " Work it out '' with them directly! Whaaaaaaaaaaaaaat??? 
FRAUD, FRUAD, FRAUD! 
Please assist!

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 2021-07-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report 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 2021-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Hello! I traded in a vehicle & the old auto loan was paid in full  on XXXX and it should have updated with a XXXX  balance in XXXX as it was paid in full before the billing cycle for that month closed out. It's now been a month and a half now and they still haven't reported as paid in full after I've made 5+ requests. Please have them report this as paid in full immediately, thank you!!

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express charged annual fees for my Gold Rewards and Hilton Surpass credit cards during the pandemic when we were in a global lockdown and any travel that was permitted following select openings involved weeks of quarantines on both ends of the travel. My family got covid during the pandemic and we were in lockdown for a period. The fees charged are specifically for perks offered by American Express and their travel partners, including the ability to accrue additional points. This is all meaningless if you can't travel. 

In the middle of the pandemic, on XX/XX/XXXX and again on XX/XX/XXXX, I was charged annual fees of {$250.00} each year for my Gold Rewards card ending in XXXX. On XX/XX/XXXX and again on XX/XX/XXXX, I was charged {$95.00} annual fees each year for my Hilton Honors Surpass Card. On To elaborate on what the annual fees get you, I'll give an example with the Hilton Surpass Card. You receive Gold Status, extra points when you stay at Hilton properties, priority pass select that gives to access to airport lounges, and no foreign transaction fees. I don't even know where to start with explaining how absurd it is that American Express is not refunding these annual fees, but almost 4M people have died from covid and they were charges these fees at times when bodies were being stored in trail

ers because we ran out of room. Yet, fortunately, I was charged fees so I could go travel the world and stay at Hilton hotels and buy plane tickets on my Gold card. Bottomline is I paid fees for services and features that American Ex
press was not able to provide because we were under governmental lockdowns and their travel partners were closed or heavily restricted for much of the year and are still restricted in many respects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had an account with XXXX XXXXXXXX XXXX for a number of years until XX/XX/2020 when the company went bankrupt and started closing their stores. They also closed all customer accounts and then kept changing payment due dates for payments and then charging exorbitant late fees if you didn't meet their ever-changing due dates. I complained to XXXX XXXX about this and then PAID OFF my account even though I made the payment due date at the time ( I paid the account balance online ). It didn't matter because XXXX XXXX kept charging me late fees on my account, closed BY THEM in XX/XX/2020. The company then kept ( and is still doing this ) charging late fees on the late fees and will not stop even though the account has been PAID OFF & CLOSED. And Now XXXX XXXX is Reporting me to credit agencies for non-payment of these fraudulent Late Fees! 

I am not going to pay any extortion or fraudulent charges such as this- and I want XXXX XXXX sanctioned for this criminal activity because it's illegal to charge late fees on a closed account! And I want the credit agencies notified of XXXX XXXX 's fraudulent activity!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I pulled my free annual Equifax credit report using XXXX. I identified an incorrect address on my report. The report provides address : XXXX XXXX XXXX XXXX, MI XXXX. I have never lived in Michigan. I attempted to use the online dispute method " To initiate a dispute online please visit https : //www.ai.equifax.com '', but the URL provided will not pull up. I've tried on multiple devices to ensure I wasn't experiencing a networking issue on my side. Equifax should ensure their services are active and available for disputes as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine.

2. Identity Theft TD BANK N.A.

Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I would like to get my PMI cancelled. My current principal balance is XXXX. I believe the market value of my home is greater than XXXX. For reference, Quicken 's own refinance tool estimates my home 's value at XXXX XXXX says XXXX. Quicken is stopping me from cancelling the PMI by stating that : 1. I must have the loan for 2 years before I can request a reappraisal 2. I must have done some major renovations / structural add-ons Neither of these are supported by the note or accompanying PMI disclosure I signed at closing. 

I'm also told that even if they did perform an appraisal, it would not be representative of the current market. XXXX that helped me stated that even though the houses around you are going for a more expensive amount, our appraisal will primarily just focus on the improvements you've made with little consideration for the actual market-value of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation