vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am XXXX already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.

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 2021-04-22 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: AZ

Complaint narrative:
I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.

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 2021-04-22 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: IN

Complaint narrative:
I will attach the hard inquiries Customerservice wasnt willing to remove.

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 2021-04-22 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: AES/PHEAA
State: PA

Complaint narrative:
so Ive been struggling to correct inaccurate reporting on my credit report from fed loan servicing. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I took out a second mortgage with XXXX XXXX in XXXX and consistently paid. In XXXX it was transferred to HSBC. In XXXX it was again transferred to XXXX but I did not receive any paperwork as I was XXXX overseas to XXXX. HSBC told me they have a record of return to sender. XXXX then became XXXX and XXXX sold to XXXX XXXX XXXX. HSBC told me to contact XXXX XXXX which I did. XXXX XXXX claims they have no record of this loan. I am trying to sell the house but the title report is still showing an old XXXX lien from HSBC who refuses to release because they said it was sold. No company is claiming ownership of the loan and my VA certificate is tied up as HSBC will not release even though they are the last assignment. I am desperately seeking help as a veteran who has been penalized for being XXXX overseas unable to handle this matter. I as for assistance trying to get HSBC to remove this old lien they do not claim ownership of. In my internet research I understand they have done this to many people and it is an unfair predatory business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: AZ

Complaint narrative:
I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank Home Depot is reporting al ate for XX/XX/20 that I would like removed. I got very sick around this time and ended up contracting XXXX where I was then out of work for over 2 weeks. During this time I fell back on a lot of accounts and really had to take care of necessities first. I ask that Citibank please remove the late as I was going through hardship and I had not been late prior or since then.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
XXXX XXXX XXXX has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact Scott & Associates via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: DISCOVER BANK
State: UT

Complaint narrative:
Discover bank is reporting late notations for XX/XX/20 and XX/XX/20 and I would like them removed. During this time I got XXXX and fell extremely ill. I was out of work for over 3 weeks. Once I was finally able to go back, I had to pay the absolute necessities as I am the head of the household. It took me a couple of months to finally recover financially and I tried my very hardest to pay all my dues. I do not expect them to waive fees but it would be of great help if Discover bank could make a goodwill adjustment of these lates as I am now trying to buy a home. I have been punctual since and this would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
In XXXX I had XXXX XXXX and XXXX, The XXXX XXXX XXXX  credit card I had with a balance of {$300.00} was charged of due to unable to pay which appeared on credit report. In XXXX I paid collection agency {$360.00} which was {$62.00} more than original balance on a charged off account to help me recover from my misfortune and health. The bank changed collection agencies and I was charged {$420.00} in late fees that have went into collections on XX/XX/XXXX from an account that was closed and charged off from XXXX I am XXXX and have neurological problems but this seems crazy and illegal to go after me 3 years later for late fees on an account that is already charged off on my XXXX and XXXX report. How can I have a collection and a charge off Trying to build my credit back up and from 3 years a collection account shows up for late fees not even the original amount of card this is not right both of these accounts from XXXX XXXX XXXX should be removed now this is fraud and harmful. Im sorry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Have tried twice to get my name taken off of the account because I am not the primary account holder just was a authorized user and this is showing up on my credit report absolutely wrecking all the progress I have made in fixing my credit and I asked them to remove my name from the account but they won't do it

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 2021-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn Appliances Inc has contracted with Scott & Associates PA for the purpose of debt collection. I have been sued in court for a debt they say that I owe. The contract copy provided has information that I have no knowledge of and it makes up a significant portion of the amount they claim that I owe. The alleged debt is from a few years ago, but they had zero contact with me regarding this debt prior to XX/XX/2020 when I was served with court papers in the middle of a pandemic. I have attempted to contact XXXX XXXX XXXX via the contact information they provided in court papers, requesting more information on the debt, contract terms, possible resolutions, etc. and they will not return my messages. They continue to send letters in an attempt to collect, offering to reduce my alleged debt by varying percentages - from 10 % to as much as 60 % in the time since they have sued. They provide a portal on their website to request a hardship agreement, which I have also submitted, due to the fact that I have been unemployed for a year due to covid, have XXXX assets to even satisfy a judgement if I wanted to, etc. I have requested the opportunity to resolve outside of court, etc. and they will not communicate back to me. It seems they falsely claim to want to work out arrangements, provide hardship assistance, etc. but they do not actually follow through on those offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I attempted to sign up to TransUnion to receive my free annual credit report on XX/XX/XXXX. However, there is no method on the site to receive a free credit report - the only method is by signing up for a " premium '' credit monitoring system that charges a monthly XXXX dollars for " credit monitoring ''. 

I confirmed this with a sales representative ( XXXX ) on XX/XX/XXXX, who further clarified that the only ways of receiving a credit report from transunion is through paying for the premium credit monitoring system, or a once-yearly XXXX cent transaction. 
The latter XXXX cent transaction is nowhere on their landing site. 

There was no mention of the federally mandated once early free credit report.

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 2021-04-23 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: NV

Complaint narrative:
There are some accounts listed on my credit report to include addresses that aren't mine and or that I have not lived at. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I purchased concert tickets last year XX/XX/2020 for a concert in XX/XX/2020 ( XXXX XXXX XXXX ) {$430.00}. Due to Covid the concert was postponed for XX/XX/2020. I called after and asked about a refund and they kept saying the concert was postponed ( no date ). I then disputed with my bank Wells Fargo, they did the credit back until investigating then took it back out of my account. Said I did not send them any documents. Ok, I submit another claim just XXXXwo weeks ago and again they say my claim is closed and they will take the {$430.00} out again. I called XXXX XXXX XXXX XXXX XXXX # and no answer. So now I want to close my accounts with Wells Fargo ( 25 ) years! This concert will not happen. The promoters have our money. I dont thing Wells Fargo even investigated.

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 2021-04-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 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: CA

Complaint narrative:
I have been attempting to close my HELOC since XXXX. I have taken every step in closing my account, paid the closing costs, but the mortgage company has not closed my account and I now trying to charge me for homeowners insurance for a loan that should have been closed in XXXX. I requested to close and freeze my HELOC per their instructions and the account was frozen XX/XX/2021. I requested a payoff statement on XX/XX/2021 and was told to pay online, since the amount was under {$1000.00} this was ok and did not need to be certified. I paid the payoff on XX/XX/2021 and waited. Since the payoff, I received letters that I needed an insurance policy on the house and if I didn't send them a copy of my insurance they would purchase a policy. I called the mortgage company and explain I closed my account and paid the payoff. They specifically told me not to worry about it and the account would be closed and I wouldn't need to do anything. 3 weeks later I receive a notice with the insurance policy they purchased for my home against my will. I have called every day for the past 2 weeks asking if they can please remove the insurance policy and close my account that I have been trying to close since XXXX. I keep getting the same story that they're working on it, and escalating it and they keep pushing the date to which it will be closed by. First it was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and this last time they mentioned XX/XX/XXXX. They are keeping my account open against my will. I have frozen the account XX/XX/2021, paid the payoff request XX/XX/2021, and requested many many times to close it. They are keeping it open and charging insurance on my account and I believe this to be fraudulent.

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 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I AM A NURSE WITH XXXX. NOT ONLY DO I SUFFER FROM XXXX XXXX AND WAS PLACED OUT OF WORK BECAUSE OF IT. IN ADDITION TO THIS MY SON OF XXXX YEARS OF AGE GOT INFECTED WITH XXXX WITHIN A COUPLE OF WEEKS OF MY XXXX YEAR OLD HAVING XXXX  I MYSELF HAD XXXX. I WAS AGAIN PLACED OUT OF WORK, MAKING THIS THE THIRD TIME I WAS PLACED OUT OF WORK IN THE LAST 2 YEARS. I AM A SINGLE MOTHER WITH THREE CHILDREN AND THIS IS OUR HOME SINCE 2006. PRIOR TO ME DEFAULTING I WAS ALWAYS IN GOOD STANDINGS AND MADE MY PAYMENTS ON TIME AND IN FULL. I DID NOT ASK TO SUFFER FROM XXXX XXXX, I DID NOT ASK TO HAVE XXXX, I DID NOT ASK FOR MY XXXX YEAR OLD TO HAVE XXXX NEITHER. THESE EVENTS HAPPENING BACK TO BACK HAVE AFFECTED MY INCOME. I DID NOT WAKE UP ONE MORNING AND TOLD MYSELF TODAY I AM NOT MAKING MY MORTGAGE PAYMENTS. NO I AM A RESPONSIBLE SINGLE MOTHER DOING ALL THAT SHE CAN TO KEEP THE LIGHTS ON, PROVIDE A HOT MEAL, AND PROVIDE CARE FOR MY CHILDREN AND I. NOW THAT I AM BACK TO THE FRONTLINE PROVIDING CARE I HAVE INCOME ONCE AGAIN. I AM SIMPLY ASKING FOR ASSISTANCE TO AVOID FORECLOSURE. AS A HOMEOWNER IN CALIFORNIA WHO WAS IMPACTED BY XXXX SINCE I DID HAVE IT AS WELL AS MY XXXX YEAR OLD SON I AM ASKING FOR MORTGAGE ASSISTANCE TO RETAIN MY HOME. I WAS INFORMED I WAS DENIED FOR HOME RETENTION OPTIONS BECAUSE IT IS MORE CONVENIENT FOR THE INVESTOR OF MY LOAN TO HAVE ME SELL MY HOME OF 15 YEARS. HOW IS THIS HELPING ME AVOID FORECLOSURE. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have a Mortgage being serviced by SPS. I have requested an extension of Mortgage Forbearance for another 3 Months, owing to hardships related to COVID and in terms of Cares Act. I have a 2nd Mortgage on the same house with XXXX XXXX XXXX. They acceded to my request and extended the Forbearance by asking 3 or 4 simple questions. Similarly on my other house too I got 3 months extension from XXXX XXXX, by just answering 3 or 4 simple questions. However SPS is denying any further extension and is asking me to submit a big Loan Modification package, quite contrary the Cares Act guidelines and the industry practices. They are threatening me with putting Late Payments on my Credit Report. Hence I somehow managed to just put an online payment, not to get hit with a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation