vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
I got a letter dated XX/XX/XXXX from SLS saying that they sold my HELOC to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX.Original loan amount was {$180000.00}, Date of loan was XX/XX/XXXX. SLS do not own my HELOC any more. Still SLS trying to collect money total {$340000.00} by XX/XX/XXXX. After that it will be {$420000.00}. SLS sent email to XXXX XXXX XX/XX/XXXX and collection letter to my address XX/XX/XXXX again. We filed the Chapter XXXX on XX/XX/XXXX and discharged XXXX. We no longer have a legal obligation to pay it and creditor has no right to collect it. This is FDPCA violation to send email to XXXX XXXX and my home address. A cease and desist letter. Stop collecting from us. Collection of discharged debts prohibited. Creditor is not permitted to collect a debtor. 
Colorado debt have a statute of limitation of 6 years. Once the statute of limitations passes the debt becomes time-barred. HELOC maturity is 10 years. XXXX  XXXX XXXX opened HELOC on XX/XX/XXXX and sold it to XXXX XXXX XXXX XX/XX/XXXX. When we filed Chapter XXXX XX/XX/XXXX HELOC was under XXXX  XXXX XXXX  XXXX  XXXX XXXX  {$180000.00}. Since Chapter XXXX it was discharged XXXX. By XXXX, we had a loan modification from XXXX  XXXX XXXX, there was only one loan no other lien. XXXX  XXXX XXXX sold it to XXXX XXXX XXXX on XX/XX/XXXX there was only one loan no other lien. When we tried to refinance with lower interest rate, SLS popped up. I believe SLS is SCAM.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: V and H Portfolio
State: IA

Complaint narrative:
Vance Huffman is a debt collection company who bought debt that was opened in 2009 this account has been on my report for 10 plus years they keep renewing the debt and will not remove it how is this legal how is it okay to bully a single mother?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
Currently there is a two open collection medical accounts reporting on my credit report with XXXX XXXX. I have requested the accounts be deleted from my credit report. For this is against my rights and privacy with the HIPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: FL

Complaint narrative:
I disputed two dismissed bankruptcies on my Experian report. Experian told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. Experian still did not remove them. XXXX disputed them with Experian on my behalf and Experian STILL would not remove them.

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 2021-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: NC

Complaint narrative:
I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.

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 2021-08-31 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  came to my home to fix a clogged basement drain. They stated that the problem was a collasped sewer line and that the bill would be {$8000.00}. toXXXX. the price soared to XXXX most because of unnessary work. I was never given a opportunity to get another estimate for as XXXX was telling me the problem the electric company arrived to paint digs lines. I was advised that XXXX XXXX would be apply for credit for me. On XX/XX/ I was confronted by the tech on the job that I needed to handle the bill. I advsed him that XXXX was suppose to handle it. He kept his vehicle in place not moving it so I could go to work. On XX/XX/ I received a call at XXXX XXXX  that the tech was outside and would stay until I dealt with the final payment. He came and called XXXX of XXXX XXXX  and opened a account for 28.99 %. ON XX/XX/ I received mail that XXXX XXXX XXXX also opened a card on Fortiva retail Credit. I have no idea about that account or what is charged on it. As of this time I have neither seen a bill or anytype of accounting of this Job. I have no idea how many accounts have been open. I believe that XXXX XXXX XXXX engaged with both Fortiva and XXXX in a scheme to of preditory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My mother passed away on XX/XX/2021 and I was named personal representative for the account. I contacted Wells Fargo in XXXX to ask what documentation they needed to change the address on the account to mine since we were selling the house. They told me they needed a written request to change the address, the death certificate for Mom and the document showing I was named personal representative for her estate. This information was provided on XX/XX/2021 and I received a letter from Wells Fargo on XX/XX/2021 that they had received the information and would start reviewing. 

We sold the house on XX/XX/XXXX and Wells Fargo received the payoff on XX/XX/2021. The new owners received the payoff acknowledgment letter from Wells Fargo so I called to ask why the address had not been changed yet. I was then informed that the request came under the Successors in Interest rules and could take up to 45 days to review. The employee did confirm that all required information was received, but had not been reviewed. I knew an escrow check was owed to Mom 's estate and asked them not to mail to the address on file since we no longer own that house. They could not agree to this and would not confirm if an escrow refund was due ( although I was able to obtain this information through their automated system ). I was told the review would be completed by XX/XX/2021. 

On XX/XX/2021, I received a letter stating they needed additional time and the review would be completed by XX/XX/2021. I called on XX/XX/2021 to inquire about the status and after speaking with 5 employees ( each transfer supposedly to someone who could resolve this issue ), I still don't have a resolution. They told me " their hands were tied '', " the delay was due to COVID '', " they are not sure when it will be resolved '', etc. They continue to tell me they can't give me information on Mom 's loan because " the account hasn't been updated to authorize me ''. While I understand the need to confirm the information, I don't understand why they haven't reviewed the information within the last XXXX months, but continue to mail information to strangers although I have asked them several times to stop mailing to that address. Based on their automated system, they mailed the escrow refund check on XX/XX/XXXX, but the new owners indicate they did not receive it ( but could have cashed it - I don't know these people ). I have a huge issue with WF continuing to mail personal information to strangers while insisting they are protecting mom 's information. 

I feel like WF is using COVID as an excuse to not comply with the Successors In Interest rules. They received full payoff and did not lose any money on this account so I don't think they care about helping 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 non-monetary relief
Consumer complaint received 2021-08-31 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: NH

Complaint narrative:
Experian shows an invalid address XXXX XXXX XXXX, XXXX, Me. 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 2021-08-31 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-08-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
someone had to use my credit to obtain lines with these company i never gave consent to any natural person to use my credit.

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 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
someone had to use my credit to obtain lines with these company i never gave consent to any natural person to use my credit.

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 2021-08-31 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: TN

Complaint narrative:
someone had to use my credit to obtain lines with these company i never gave consent to any natural person to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: PA

Complaint narrative:
I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} Experian - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}

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 non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed two dismissed bankruptcies on my XXXX  report. XXXX  told me that I needed to dispute the bankruptcies with XXXX. I disputed with XXXX and they were removed. XXXX  still did not remove them. XXXX disputed them with XXXX  on my behalf and XXXX  STILL would not remove them.

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 2021-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have filed numerous disputes with all three major credit bureaus -- XXXX, XXXX  and XXXX  -- regarding the debt LVNV Funding is claiming I owe to their client, XXXX XXXX Bank. This debt does not belong to me, it is not mine and I have no knowledge of the debt that LVNV Funding has placed on my credit files with each of the credit bureaus.

In one instance, LVNV Funding did delete the tradeline from my XXXX  credit file ; in another instance, LVNV Funding marked the tradeline as closed on my XXXX  credit file but still lists an open and unpaid balance ; finally, LVNV Funding still reports the tradeline as open and in collection status on my XXXX  report.

I am also unsure if LVNV Funding is a licensed debt collector in Minnesota, so I am concerned that they are collecting a debt for which they may not be licensed to collect in Minnesota.

LVNV Funding 's debt reporting and debt dispute processes are unfair, deceptive and dishonest. Between the three different reportings LVNV Funding is supplying to the credit bureaus, their inconsistent responses to my dispute that this debt does not belong to me, and the potential that LVNV Funding is not licensed in Minnesota, I am requesting that LVNV Funding delete this debt immediately from all three credit bureaus. 

LVNV Funding has damaged my credit and credit scores, along with credit I have been denied, with their unfair, deceptive and dishonest debt collection and debt reporting practices. Based on this, I am demanding that LVNV Funding delete the account from all three of my credit files to which they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: MI

Complaint narrative:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX XX/XX/XXXXreceived my letter on XX/XX/2021 at XXXX Transunion received my letter on XX/XX/2021 at XXXX XX/XX/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 2021-08-31 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: MI

Complaint narrative:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XXXX  received my letter on XX/XX/2021 at XXXX Equifax received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor? 

.

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 2021-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I am filing a complaint against CARTER-YOUNG because they are attempting to collect a debt that I do not owe them. Account Name : CARTER-YOUNG, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?

Company response to consumer: Closed with explanation