vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian continues to report false information my credit report - On XX/XX/XXXX, their system decrease my credit score by 18 points, without any reasons. I have called them on several occasion and asked for the points decrease, and they continue to tell me that it is done automatically in their system and they do not know why and can not fix it. On XX/XX/XXXX & XX/XX/XXXX, there was a positive reports on my file by my creditors, XXXX XXXX, they should raise mu fico score by double digits, for paying down the balance and satisfying the account paid in full, their system didn't increase my fico score, instead lowered it by 1 point. 

I called several time to Experian and tired to speak with their dispute department and the membership department, but no luck. Instead they just coninuei to take my membership fees and resolve any issues.

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 2020-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: American Mortgage Service Company
State: OH

Complaint narrative:
American Mortgage provided mortgage loan for purchase of new house. They outsourced bridge and equity loans to XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation, all emails and text messages to show the incompetence and extremely poor service. They finally did reimburse for the added cost of extending interest rate. But I don't believe that is sufficient resolution to the issue. Filed complaint with XXXX  ( ID XXXX ) that was not resolved American Mortgage simply stated it was a complicated loan and out of their control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I mailed off an Identity Theft Affidavit to Experian XX/XX/20. There are fraudulent accounts reporting on my account. Ive sent them numerous of letters and also sent in a police report. They have not ceased reporting or conducted an proper investigation with a signed binding contract from me. They are violating my rights as a consumer! I have attached my FTC complaint which includes those fraudulent accounts appearing. I also filed a XXXX  complaint 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 2020-05-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the account XXXX XXXX XXXX. 
I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2020-05-19 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: CT

Complaint narrative:
I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CT

Complaint narrative:
I have a issue with unrecognized addresses appearing. I also have a few name variations on my file that are not correct. my full and correct name is XXXX XXXX XXXX XXXX please remove any other variations of my name. The following addresses are not mine please delete : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a error account from FCRA XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX   # XXXX, XXXX XXXX # XXXX. 
Chapter XXXX bankruptcy 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 2020-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
We were preapproval for a home loan XX/XX/2020 up until XX/XX/2020 ( which is the day of closing ) on the loan by XXXX XXXX with Supreme Lending. We find out this is misleading/not at all true because a baby/new realtor XXXX XXXX ( whom hasn't even sold her first home but yet your helping me. How? I do everything for you by researchingthe home negotiatingthe price and things to stay in the home, and etc ) told XXXX that i am at XXXX XXXX XXXX. I have phone recordings with her and him that you clearlt hear me say I am currently at XXXX XXXX and my XXXX XXXX is sitting on a judges desk at VA to be signed. My VA representative help me achieve this because I am currently underrated at XXXX XXXX. They neither reach out to him nor myself through this whole process until XX/XX/2020 by text message to say we are not approved now. 

We have paid for everything upfront and now they do not want to reimburse my family and I for misleading information. My landlord and wife landlord both gave us 11 days ( XXXX XXXX to XXXX, 2020 ) free rent as our gift since we were buying a home. We are currenlty homeless and living in hotel which is becoming a bill all in itself. We even purchase XXXX cash of new furniture for the whole house, paid maide services to come deep clean, and etc. 

I was so called not approved because of a XXXX XXXX XXXX letter, when in fact, my wife makes XXXX a month after taxes that was not accounted for nor on the loan because her score was too low. They running us around saying its the governments fault due to the covid-19 and VA judge not signing the paper. This is incompetent lending  and business at it's finest from both parties listed above. You both took me to battle but left me with no weapon on the battlefield. This how you supposedly help veterans whom has put it on the line for you day in/out. Trust me, I don't need anybody sympathy because I made this choice for my family and I. I was looking for them to do the same for my family. Yet, in the end, they have left us out in the cold and could care less about our issue nor reimbursement. Neither one has contacted me over the phone simply text messages or email. They afraid to face the lies and reality. 
I am writing to inform ours about these two cats along with the company 's they represent because this speaks volume about how these companies operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
I recently received a copy of my credit report from each of the three major bureaus, and it lists each of my eight student loans from  FedLoan Servicing as having a 90-day late payment in XX/XX/2019. In XX/XX/2019, I contacted FedLoan Servicing and requested a forbearance, which was subsequently approved and backdated to show effective as of XX/XX/2019. Upon noticing the late payments reported on my credit reports, I called FedLoan Servicing in order to remedy the situation. I was told by " XXXX '' that even though the forbearance had been approved and backdated, they would not reflect that on my credit report since it had already reported as late. I asked him if FedLoan Servicing no longer considers my payment late for that period of time, why they won't make that consistent, and update that on my credit report. He apologized and told me that it wasn't their practice to do so. I feel this is unfair. The company themselves forgave the payment for the month of XX/XX/2019, but I have EIGHT 90-day late payments on my credit report that they refuse to update. Aren't credit reports supposed to be accurate? To me this shows a clear discrepancy between what was reported and the actual status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to Transunion  and XXXX request for the positive information, causing Transunuin to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and XXXX  request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX credit card company. Failed to report my correct balance in the month of XX/XX/2020. 
The company failed to update my information, and only updated my negative payment instead reporting both positive and negative payment history. 

The company failed to respond to XXXX  and experian request for the positive information, causing XXXX to remove all 2 of my credit cards completely from my credit report, dropping my score by 14 points, and denying me for a auto loan from different banks. 

This practice is wrong to do this to customers.

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 2020-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
First Financial provided bridge and equity loans in conjunction with mortgage loan from XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized, forgot several things. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation ( attached ), all emails and text messages to show the incompetence and extremely poor service. XXXX XXXX   finally did reimburse for the added cost of extending interest rate. But First Financial has done nothing to resolve the matter and I don't believe what XXXX XXXX has done is sufficient resolution to the issue. Filed complaint with XXXX ( ID XXXX ) that was not resolved. First Financial contacted me an indicated they were not at fault and indicated it was due to lack of communication and information from XXXX XXXX. XXXX XXXX simply points the finger at First Financial as the problem. Both were at fault an extremely incompetent in the services provided.

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 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I loss my walllet and some people used to get bill form to go the hospital

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i notified equifax about getting my free credit report and i was declined to get one. and i provided them all types of verifications to them about my idenity and i was still declined to get a free credit report. but at this moment i am having to go through alot of red tape just to get a free credit report. it is wrong or there may be some thing that is in my report that they don't want me to see or inaccurate information that is in my report that they don't want me to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding placed a new account on my credit report. However, they never sent me any notification according to GA state Laws. I never knew this debt existed with this company. They never sent a notice explains the account in collection owned by them, any balances, etc. This is illegal. 

When I contacted the company on XX/XX/2020 they placed me on hold and never came back to the phone. As if they knew this was illegal. I disputed this account with the credit bureau on XX/XX/2020. 

I request that LVNV Funding remove this account from my credit immediately and cease and desist all collection activity after theyve intentionally violated the law with their illegal debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Starting around the beginning of XX/XX/2020 I needed to unlock the freeze on my Equifax account for a refi. However, I was not able to login to my account. I reset my password on the companys website, but when I try and login it would tell me my account has been temporarily locked out. I called Equifax to get them to unlock my account and they told me to fax them my drivers license, SSN, and a pay stub. Which I did a handful of times over the next 2 or 3 weeks. Finally, after about 5 weeks, after I started the process, I received a letter in the mail letting me know that they had lifted my credit freeze ( after my refi was done ) At which point I tried to logon only to find out my account is still locked. I then opened an online support ticket with Equifax, XXXX XXXX XXXX on XX/XX/XXXX. Equifax closed that case the next day, without resolving my issue. I then opened another case number : XXXX on XXXX XXXX to try and get my account unlocked. I have sent them 13 emails so far asking when they are going to unlock my account. I have received two responses from them stating that because of Covid-19 the are  busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
National Credit Systems is reporting that I owe {$8400.00}. I have requested debt validation, made pursuant the FCRA & FDCPA competent evidence bearing my signature, showing that I have or ( ever had ) an contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
i had a loan with kia finance- i paid the loan in full on XXXX after loan was paid in full, i did not realize that auto pay still sent another payment of XXXX on XX/XX/XXXX. I have called at least 20 times, unable to speak with anyone due to high volume of call and says to try again at later time, I have sent 3 emails to the customer service to request refund of XXXX, emails sent on XX/XX/XXXX, XXXX and XXXX I receive auto reply that says they have received message and will respond with 2 business days. I have yet to receive any responses.

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 2020-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am a XXXX XXXX XXXX  XXXX veteran of the XXXX and I was approved to have all my student loans discharged through the XXXX discharge process on XX/XX/XXXX through XXXX. I had 15 loans in total, 11 loans have been discharged and reported to the credit bureaus and taken off my credit report. However, 4 of these loans have not been discharged that were included in this XXXX   process. I have called XXXX several times and they keep saying it is nothing they can do and to contact Navient the servicer on these loans. I have called Navient on XX/XX/XXXX, I spoke with XXXX and was told to check back in 7-10 business days and the loans would be discharged. That did not happen. I called Navient back on XX/XX/XXXX and was told that XXXX  the guarantor had requested information and the information requested was sent back to XXXX and they were waiting on the payment for the claim from XXXX. The loans are still waiting to be discharged. I called Navient back today XX/XX/XXXX. I spoke with XXXX a customer representative and explained the situation and she transferred me to Ms. XXXX in the claims department and I explained the situation again and she put in an expedited ticket to the process dept to find out why these loans have not been discharged. She  ( Ms. XXXX ) stated this would be the 4th time this has been sent to the process dept. XXXX, XXXX, and XXXX have these loans discharged, Navient is the only one that is not accurate and keep giving me the run around instead of having these loans discharged and reported to the credit bureaus as such. I am looking to have these loans discharged as they were approved to be discharged. This  whole process is exasperating my XXXX. The guarantor XXXX ( I spoke to XXXX ) stated that on XX/XX/XXXX 3 of the 4 outstanding loans were paid and the last loan will be paid on XX/XX/XXXX. We also placed a conference call to Navient so they can get the information firsthand from the guarantor that the loans have been discharged. I have been told that I must wait until XX/XX/XXXX to get an answer from the expedited ticket. I should not have to wait another day to get answers or the loans discharged. I have uploaded the loans in question from Navient, the payment history on the loans, and the letter from XXXX stating my student loans were approved for discharge. I am seeking help to get these loans discharged through Navient.

Company response to consumer: Closed with monetary relief