vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 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: IL

Complaint narrative:
I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX letter states as verification the write balance and past due balance are incorrect.

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 2020-10-05 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: IL

Complaint narrative:
I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX  shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX  letter states as verification the write balance and past due balance are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The Citi Thank you preferred card is not reporting my payment credit history to the three major credit bureaus. Even though I am an authorized secondary user, they are supposed to report payment history and credit activity to the three major bureaus. 

Despite my request, they are not reporting. This lowers my credit to debt ratio disproportionately and unfairly, lowering my credit utilization score. 

I am not able to obtain mortgage loans due to their undue negligence.

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 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
XXXX : Complaint against Loan Servicer Specialized Loan Servicing Loan # XXXX Dear Sir/Madam : This is a formal complaint mortgage loan servicer Specialized Loan Servicing ( " SLS '' ) that services the mortgage for my property located at XXXX XXXX XXXX, XXXX XXXX, NJ. My mortgage was transferred from XXXX XXXX on XX/XX/XXXX. SLS finalized the loan modification started by XXXX XXXX and there was an agreed upon monthly payment barring any changes in escrow. The monthly payment memorialized in the loan modification is {$2200.00} per month, including the escrow of taxes and insurance. 

After the payment of the first mortgage payment of {$2200.00}, SLS immediately increased the monthly payment to {$2800.00} without any notice to me and against the terms of the loan modification. I have called SLS over ten ( 10 ) times over the past eight ( 8 ) months to try to resolve this issue. On XX/XX/XXXX, I finally got SLS to run an escrow analysis. In the escrow analysis ( attached as Exhibit A ), it shows that the monthly payment went from {$2200.00} to {$2300.00} due to an escrow shortage. Even though the reason for the increase from the modification amount concerns me as neither taxes nor insurance on my property had changed, I agreed to make that monthly payment. 

However, again, SLS did not abide by their own Escrow Analysis. As of XX/XX/XXXX, they have increased my monthly payment to {$2900.00} ( see Exhibit B ). This increase was made without notice and directly contradicts both the loan modification monthly amount and the amount from their escrow analysis. This is causing my payments to be held in suspense and is further causing my otherwise timely payments to be reported late. I am further being charged interest on a higher balance because they are holding my monthly payments in suspense. I am sending {$2300.00} monthly in accordance with their escrow analysis. I can not afford to pay the almost {$3000.00} they are demanding without any notice and against their escrow analysis. 

I pray for government intervention to investigate the unscrupulous dealings of Specialized Loan Servicing and to force them to abide by the law in servicing my mortgage. 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: ND

Complaint narrative:
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone identifies as National Credit Adjusters but person on phone identified more sounding like XXXX XXXX  or something different XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Call phone back and phone does not identify as an active line and collector identified something like XXXX XXXX. 
They are calling me as *XXXX XXXX '' and then asking me to give them my social security number or my date of birth as " XXXX XXXX  '' or even after some evasive maneuvers and argument identifying as a business after verifying my name and then after identifying as a debt collector telling me they refuse to tell me why they are calling unless I give out personal identifiable information. That argument is clear and transparent negligent because I'm filing a report to the CFPB of unknown XXXX XXXX calling for personal identifiable information rather than debt collectors as businesses having a practice and it being my responsibility to skip trace the debt collector to verify their identity because they want to verify mine without identification first. When I worked in public collections a year ago, besides their name, we verify their address, public information. I work with people who are in collections to the IRS and they have to identify themselves and they don't ask for payment and I can't see even them doing that really. All the more reason, I won't be giving out my identifiable information to any XXXX XXXX that wants to call and ask for it either way. Better find a non-phishing practice to collect because " XXXX XXXX  '' is not a business to have that information. It's completely unnormal to refuse to identify yourself as a collector under some law that says it would be harmful to the consumer AND ask for business privileged information! Verify your own identity so that next time when you call asking for information like social security numbers, there is a business to file a complaint with besides trying to skip trace " XXXX XXXX  '' the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NY

Complaint narrative:
I was told by XXXX XXXX  that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program.

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 2020-10-05 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: NY

Complaint narrative:
Experian is reporting negative fraudulent information on my credit report that does not belong to me. I have disputed several times to no avail. They are in violation of the FCRA.

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 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX XXXX   Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have already complained to Synchrony Bank about the decline in my application for a Lowes Credit Card. In their response Synchrony indicated I was declined due to potential fraud and that no hard inquiry was ever pulled even though I told them XXXX  shows a hard  inquiry. So basically they closed out my complaint and didnt solve my issue. If indeed, they never pulled my credit then why is there a hard inquiry?

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 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I opened checking account XXXX with a {$500.00} deposit, based on an offer of receiving {$200.00} through an advertisement sent to my address. Upon opening I used the code XXXX on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
The account SANTANDER CONSUMER - XXXX - is reporting inaccurately on my credit report with XXXX  & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
42 use color of law Synchrony mattress fir. ACCT BALANCE IS STAYING THE SZMD XXXX THIS BALANCE NO CHANGES.MIGHT BE ANOTHER

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 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have a medical debt of {$310.00} that I did not know I had. I was putting in collection with this company called Transworld System. I have paid the debt in full alredy, however they refuse to remove this collection account from my credit score. I am trying to get a house loan with lower interest rate but now I wont be able to do it cause of this account being open. It took 50 points down from my credit score. I need help, I need them to remove this account from my credit report. So my credit can boost back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I had a student loan with XXXX for 10 years, on a standard repayment plan, and according to XXXX, I was eligible for the loan forgiveness program. I applied, submitted the application and the employer certification ( I am a caseworker/social worker for the county 's child welfare services ). XXXX accepted the application and then turned it over to FedLoans for further processing. However, FedLoan denied the request because I did not have enough qualifying payments with FedLoan ( although I  did with XXXX ). Also, I was told because I had a " standard '' repayment program, I did not qualify anyway, as I needed to have a different plan, such as income-based. I don't think it is fair that I am being penalized for submitting an application with XXXX ( and having the 120 eligible on time payments ), and being transferred to FedLoan AND for paying back my loan, on time every month, including through COVID and not having a " income based '' loan. I am a person who has diligently paid back my loan since XX/XX/2009, have worked for social services/public service in county government, and should be eligible for the Public Service Loan Forgiveness program, no matter what payment plan I chose back in XX/XX/2009!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt, acct # XXXX on my credit file that is not mine, It looks like it's for a medical debt for a hospital I have NEVER been to. This debt is not mine and it needs to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: NM

Complaint narrative:
The account XXXX XXXX - XXXX - is reporting inaccurately on my credit report with XXXX  & Transunion. This account is showing as a profit/loss Charge off  and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.

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 2020-10-05 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: NM

Complaint narrative:
The account XXXX CONSUMER - XXXX - is reporting inaccurately on my credit report with Experian & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.

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 2020-10-05 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: TX

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-05 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: WA

Complaint narrative:
I settled this account and the company I settled it through said they would allow me to dispute it off of my report after settling, but when I tried to dispuyebit experience instantly responded amd said the investigation was complete and I am seeing no updates, please help.

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 2020-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I haven't received any notification about this debt. I have no knowledge about this debt or belief that this debt belongs to me. This amount {$420.00} is nothing I owe. I would like to see the original creditor not another collection agency the original credit company that shows I applied for this debt and any correspondence verification.

Company response to consumer: Closed with explanation