vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I had a XXXX XXXX account since XXXX. This loan was setup though ( MERS ). mortgage electronic registation services. Which I was told was not legit, but I I'm a very credit conscious person with no extra money to pay a lawyer & no time to really seek the information needed. Back in XXXX I got a loan modification, now here in XXXX XX/XX/XXXX. I get a call from Specialize Loan Services. Telling me they own my loan now, how can I make the payment. They told me I was late & gave me a lot of attitude for nothing, in a form of bullying, talking down to to. I told the person the payment was made to XXXX  XXXX. Then I see the money was bounced back into my account. I never received any paperwork stating my loan being moved from either one of these financial institutes. I also seen somewhere that XXXX XXXX need to send me a document that they own the loan to transfer it. Not sure if it's true, but I need your help seeking justice. Thanks to this incident I'm back on it. 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 2020-03-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Good Afternoon, Submitted Ongoing dispute : EQUIFAX DISPUTE # XXXX and XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute XXXX XXXX as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with XXXX payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

XXXX XXXX : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX Bank is now servicing my loan as of XXXX. 
On XXXX I recieved notification from Equifax and XXXX that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX  suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: CA

Complaint narrative:
The credit bureaus have been very negligent and taken longer than 30 days to investigate my original dispute was XX/XX/2020. The information On my credit reports is causing irreparable damage and none of the information has been officially verified. There are unverified names and accounts on my credit reports. I cant get approved for anything, not a car or even an apartment to live in.

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 2020-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX Solutions with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections 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 explanation
Consumer complaint received 2020-03-21 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: AL

Complaint narrative:
Someone has being going to the ER using my name since 2014. 

The police here in Alabama has just arrested the person, i contacted XXXX XXXX  with all the documents they asked me to send in, which was only the Police Report. 
I called in after i submitted the police report and they informed me all of the accounts were closed. 
So i disputed the collection and they keep verifying its accurate, this company is a crook. 
Please have them remove this fraudulent medical collections 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 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In XX/XX/XXXX, Shellpoint Mortgage Servicing sent me a letter asking for proof of hazard insurance on my condo. This was unnecessary since Shellpoint had assumed the mortgage two months earlier and sent me a letter saying I would not need to do or change anything. 

Still, on XX/XX/XXXX, I sent in proof of hazard insurance. A week later, I got another letter asking for the same information. On XXXX/XXXX, I called Shellpoint and the person said I had not provided the dates of the hazard insurance policy. On that same day, I provided that information. 

Despite providing the information that was requested, despite it being unnecessary based on Shellpoint 's prior statements, on XX/XX/XXXX Shellpoint charged my escrow account {$700.00} for hazard insurance on my condo that they had actual knowledge was unnecessary. They had this information for two weeks prior to this fraudulent charge. 

I have spent the past five days, beginning on XX/XX/XXXX, leaving voicemails, chat messages, and emails to Shellpoint but have received no response to get the money back that Shellpoint defrauded me of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XX/XX/2020 $ XXXX This debt was a result of fraud that I paid. I do not owe this debt and has been paid.

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 2020-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Our original Loan service ( XXXX ) was aquired by NewRez back in XX/XX/2020. 
We were contacted by NewRez loan Retention and Offered a spectacular Refinance option that required no out of pocket costs or appraisals. During the initial Refinance the communication was excellent. Once we submitted all documentation by XX/XX/2020 we received an email letter of congratulations that our loan had been approved with the new locked in rate of 3.7 % we were instructed that we would most likely move to closing before the end of XXXX. After this approval email, In XXXX received several phone calls asking for the required documents ( which were already sent in XXXX ) They had me send them to the same email several times, each time I questioned the whereabouts of my documents and there was no explanation. Afterwards I had had ZERO success reaching NewRez via email or telephone. My NewRez Loan processor refuses to return my calls or emails since XX/XX/2020. I filed a complaint with NewRez on their website and receive a certified letter in the mail that offered no help whatsoever, with Phone numbers that lead to irrelevant service departments. Now with the current world situation we are very concerned about the status of this refinance and have received Zero assistance, They claim my file is sealed, say that my loan processor is available and when transferring they hang up on me. I have all my attempts of email communication documented and can provide when necessary. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX were mishandled by Mr. Cooper. I made additional payments to ensure that my account was never delinquent. Also my hefty escrow payments were to temporarily be allocated to cover any money that was owed as our family dealt with a financial hardship. I am asking that the information showing my account as 30 days late in XXXX, XXXX, XXXX of 2019 be removed. Furthermore I am asking that the information showing my account as 60 days late in XXXX of 2019 be removed. I communicated extensively with my mortgage provider and was guaranteed that my credit would not me negatively impacted as I continued making my mortgage payments on an alternate schedule during my families financial hardship. I ask that these 4 black marks reflecting late payments in 2019 be removed from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. 

I called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. 

For the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. 

On XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. 

On XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. 

On XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. 

For several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. 

On XXXX, I wrote to the CEO of Equifax ( by US Mail ). 
As of this date ( XXXX ) I have received no reply and the call-in questions remain the same. 

It appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. 
Therefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. 
B ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. 
C ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. 

I apologize for taking your time, but I am out of options to get this computer error repaired. 
Thank You for helping. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: SC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED XXXX 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2020-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.

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 2020-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Contacted company stating that I've been laid off because of the pandemic. I'm a XXXX XXXX XXXX n having a hard time paying any bill. Spoke to the company. They reported negative remark on credit report. Told them that payments can not be made if no income is coming in till the pandemic is over.. They stated whatever money to send in n high interest rate on a daily basis.. At this rate I'll owe 3x the amount on loan. Predatory lender.

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 2020-03-21 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: AL

Complaint narrative:
XXXX hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX Equifax has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX  XXXX/XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ive always paid my bill and paid off my card numerous times over the past few years, thousands of dollars and even been rewarded increase, my bill was due on the XXXX of XXXX, due to the Corona virus I called in 3 days past my date and come to find out they closed my account! No notice! No phone call, they would even disclose why, Im severely upset and offended now I have no card and balance that was in the works to be paid off, I want my card back and a reason why, even if Ive never been late to have my card closed for no good reason not fair ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: AL

Complaint narrative:
Transunion hasnt added my credit card account XXXX XXXX XXXX   Acct # XXXX XXXX  has not added neither one of my accounts to my credit report. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX/XXXX Acct # 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 2020-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: NJ

Complaint narrative:
This debt was not not billed accurately by originator of debt thru medical biling error. This debt is also older then 7 yrs and was never reported correctly. This collection company that bought this old debt is now falsely reporting this debt as if it is recent showing XX/XX/2019 which is not true. I have had no contact with this company and it should provide the correct date of orig. billing collection at the very least which reflects orig date which should be date the the Physicans office that I had the dispute with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am a client of American Express Everyday Card. 

I am being charged a penalty APR for late payments. However, I do not have a late payment with the account. I was charged a late payment which had to be credited by American Express, as it was paid on time. 

I contacted American Express and they stated I am receiving an anticipated Annual APR charge along with a " Penalty APR ''. They have provided no disclosure related to the penalty amount. Further, I have no late payments which would have activated a penalty APR. The penalty APR is approximately XXXX a month. 

I asked American Express to remove the entire period of penalty APRs, which have been applied for over a year. I asked American Express to accommodate me during the Epidemic. They stated they are reviewing, " not acting '' on any such support requests. They have not refunded the penalty APR. I have received no requested disclosure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously filed a dispute with you and Equifax in regards to a XXXX   XXXX account account reporting as a charge off auto loan on my credit report ... Equifax responded saying they had corrected the error however my credit score dropped XXXX points and when I reviewed the account it showed the account status ad 120 days past due and 4 or more payments past due but in the description it showed XXXX balance how can it be 120 days past due and XXXX balance this does make any sense I have provided proof from XXXX XXXX that the account was paid in full I received the title for the vehicle in question please correct my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21 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: FL

Complaint narrative:
I HAVE CHECKED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS ARE ALL NEGATIVE ACCOUNTS AND IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I AM ASKING THAT AND INVESTIGATION TAKES PLACE SO THAT THESE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation