vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I was placed on forbearance with Select Portfolio Servicing , Inc due to the XXXX pandemic. My forbearance period ended on XX/XX/XXXX. I applied for additional assistance in which I was denied on XX/XX/XXXX because the finance company Select Portfolio Servicing , Inc said I didnt qualify. I was and is currently on unemployment and I qualified for the additional forbearance extension. On XX/XX/XXXX I received a letter in the mail that Select Portfolio Servicing , Inc wanted me to participate in a modification in which I explained I couldnt afford to feed my family, pay light bill, and pay the high modification mortgage they wanted me to pay. They threaten to foreclose my home if I didnt pay. On XX/XX/XXXX I launched an investigation with Select Portfolio Servicing , Inc with their ombudsman department and they did not resolve my account. I had to borrow money to pay XXXX and XX/XX/XXXX modification payments. I called on XX/XX/XXXX regarding the forbearance extension which is on XXXX XXXX website and Consumer Finance.gov which state the extensions is 18 months if the mortgage account was in forbearance on XX/XX/XXXX. I was in forbearance at that time frame. Every conversation is recorded please request conversation records from XXXX XXXX XXXX. They have lied and stole money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: GA

Complaint narrative:
I took out a dispute in the month of XX/XX/2021 XXXX Do to my card being lost i called and canceled my card and reported it stolen. & about 2 weeks later i recieved a letter in the mail to fill out for the transactions i disputed and was given a provisional credit for the amount of {$580.00}. On XX/XX/2021 i called my debit card to check my balance. just to find out that the {$580.00} that was credited to me was reversed without any notice. Nor did i get anything in the mail and when i question the customer service rep .. i was told that the payment was due to reverse on XX/XX/2021 and the letter of this transaction was sent on the same day.. & i still have not gotten this letter i asked to work out a payment plan and i was told that the DIRECT EXPRESS COMERICA BANK XXXX doesnt do payment plans and that it was nothing more to be done .. ive been calling my bank sine XX/XX/2021 and all ive gotten was throw from one department to another as well as being on hold for over # plus hours ( i also have a screenshot of this ) >> My rent is now past to because it due on the 3rd of every month & because i never got any help with Direct express after calling for days as well as calling XXXX ( XXXX ) XXXX & almost every worker gave me a very poor attitude as well as mis information I DID NOT APPROVE OF ANY TRANSACTION for {$580.00} to be taken out my account.. Ive been getting SSI for over 10 years and ive never had this issue Also i am really disappointed at how DIRECT EXPRESS treated me with a very nasty and inpatient attitude .. i was hung up on many times and ive been vey respectful and calm with this situation .. I was hoping i could clear things up with my bank because ive been with direct express for bout 5years .. But i didnt get anything but let down and my money taken I WAS TOLD THAT, I got myself into this and i should contact the merchants, SO i also asked what was the final choice on this dispute matter and i was told by costumer service that, My dispute case was closed ( i was never notified of this ) Because they wasnt able to determine if it was fraud or not ... so basically my money was taking because they dont know how to handle my dispute I was treated and talked to very poorly and left confused with no answer to how or why this was handled in this manner .. Nor was anyone of the reps considerate enough to help me in any type of way even after i explained that i have to pay my rent which is $ 550 monthly and my tmobile phone bill is {$100.00} as well as other bills i cant afford this to happen .. i just started collage last week i cant afford to be behind on rent Please may someone contact me ASAP the longer i wait the higher the late fees guys please help me!!! my number is XXXX or XXXX _ - XXXX XXXX XX/XX/2021 XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 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: IA

Complaint narrative:
i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
i have not used credit and the 3 agencies give me no score when an iquiry comes in discriminatingly against me rating me out of the normal rating range of 300 to 850 when they have a file on me and rating in the past i am a social security card holder and XXXX  years of age

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 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
I am apply for a loan with Loan Depot through a company called XXXX. My financial situation is very complex and I have been asked for documents for the XXXX XXXX I own and I have emailed the LO and UW the documents and they are not willing to accpet emails or read the doucments I have set this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX  exceed 7 XXXX XXXX exceed 7 XXXX  XXXX  exceed 7 XXXX  XXXX  exceed 7

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing with all respect since I believe that you are the right people to help me solve the financial problem that I am facing, due to the negligence of the same CITI BANK employees, hoping that justice will be done to me with the credit card from your entity, which I have been using it for approximately 22 years, and it was canceled, without any reason, so this is my complaint that I have been doing for about three months, without anyone from CitiBank giving me a valid excuse All this harassment began on XXXX, when I requested to stop the automatic and / or recurring payment that I had been making from my checking account # XXXX to the credit card account : # XXXX On XX/XX/XXXX, an official of said entity, XXXX is his name, told me that he would take charge of solving the problem, either by stopping or stopping the automatic payment of the same card, without at any time mentioning that what I was going to do was REVERT THE PAYMENTS or something similar. And, on the other hand, I NEVER requested a refund or reversal of payment ( s ), which has just aggravated the situation. 

On the same XX/XX/XXXX, I got another letter with dated XX/XX/XXXX where I was notified that my CREDIT CARD WAS CANCELED DUE THE BAD MANAGEMENT, that as you can see, when the mishandling could have occurred, if it had not even been able to use it again because the employees to the bank had blocked it many months before, and I didnt a chance to defend myself, nor the opportunity to correct or clarify the mistake made by the Citibank people, much less make the payment that was required so that the credit account was not closed. - On XX/XX/XXXX, I got 5 letters dated from XX/XX/XXXX, the same month, so very intimidating, where the bank accused me to committed fraud!! and I must to pay immediately!!, For all this above and for what my rights have been trampled on, I request you the following petitions : 1- My credit card account mentioned above is reopened. 

2- My credit report is not affected. 

3- It tells me how I make the payment of the balance of the credit card in question. 

4- Justice is done by restoring my rights.

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 2021-09-04 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX  XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7XXXX account exceed XXXX XXXX  Appliance exceed XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This is in regards to my Chase Visa amazon credit card that in XXXX which has since been canceled. 

I had a fraudulent transaction that took place on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, Washington DC. and XXXX XXXX XXXX in XXXX XXXX, MD for {$1200.00} and {$13000.00} respectively. I canceled the card and reported the fraud immediately and these charges were removed from my account. I recently saw in my last statement that these charges were rebilled back to my account. I was told that it was because there was an ID present at the transaction. 

I told the fraud specialist that my car was illegally entered into back in XXXX of this year, and I had the credit card stolen and an old expired ID was stolen as well. The thief must have used my old ID, even though it was clearly expired, to complete the transaction. He was able to do that because people can still use expired IDs due to COVID in some areas of the country. 

I have a text message from my parents on XX/XX/2021 that says that they saw on my security camera that someone illegally entered my car and took stuff out of the dashboard when they looked at my on my security footage. I also have evidence from my XXXX location service that I was in the vicinity of my home all day that day. 

Those transactions don't reflect a pattern of purchases that I make with that card. I ONLY use that card to make purchases off of amazon and they are never that large. It should be obvious that I didn't make those purchases What is worse, is that when I called XXXX XXXX in XXXX XXXX they have no record of the supposed transaction taking place on that day. That means the credit card company is lying when they say that I made the purchase in-person to avoid refunding me. That is unconscionable and why I am making this complaint. I have evidence from XXXX XXXX that I only made one purchase in XXXX, and it was not on that day. XXXX XXXX has no record of me making a purchase on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several Items reporting inaccurately. 
XXXX XXXX account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed 7 XXXX XXXX exceed 7

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Several Items reporting inaccurately. 
XXXX XXXX  account paid as agreed XXXX XXXX paid as agreed SBA paid as agreed XXXX XXXX XXXX exceed the 7 year reporting XXXX  exceed 7 year reporting XXXX XXXX exceed 7 years XXXX XXXX exceed XXXX XXXX XXXX exceed 7 XXXX account exceed XXXX XXXX  XXXX  exceed 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 non-monetary relief
Consumer complaint received 2021-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Technologies, Inc.
State: TX

Complaint narrative:
Several Items reporting inaccurately. XXXX XXXX  account paid as agreedXXXX XXXX paid as agreedSBA paid as agreedXXXX XXXX XXXX exceed the 7 year reportingXXXX  exceed 7 year reportingXXXX XXXX  exceed 7 yearsXXXX XXXX exceed 7 XXXX XXXX exceed 7XXXX account exceed 7 XXXX XXXX exceed 7

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage servicer declined to remove my private mortgage insurance after I've made multiple request. My home has been appreciated to almost double the value according to XXXX in person evaluation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: FL

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax disputing an account that is false being reported on my account. The account in question is - XXXX XXXX XXXX XXXX XXXX. I requested for physical proof of verification and did not receive a response. 

I then sent another letter to Equifax on XX/XX/XXXX requesting for this account to be deleted as XXXX  and XXXX  deleted the account based on the lack of ability to properly verify the reported information being accurate. I received no response from Equifax. 

So I then filed a complaint through CFPB on XX/XX/XXXX. I received a response on XX/XX/XXXX that the company would investigate. It is now XX/XX/XXXX, and I have not received a formal response from Equifax on this investigation. I looked onto my credit profile today and saw that the account in question is still on my report. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, I am requesting Equifax to now delete this account off of my profile, as they have failed to properly verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i file a dispute in XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " XXXX credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate Sincerely 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 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER DOCTRINE OF SILENCE, ENGLEHARDT V. GRAVENS MO 281 SW 715,719.NO PROOF OF THE DEBT EXIST OR DEBT EXIST TITLE 15. CREDIT REPORTING IS IN FACT OPTIONAL, WILL MOVE TO ARBITRATION.. Under title 15 credit reporting is in fact optional. In accordance to 15 USC 1692 e, f, i. I have all rights reserved as a consumer citizen of XXXX  and I do not give permission to any company to speak, embezzle or coerce any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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:
XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2021-09-04 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: CA

Complaint narrative:
XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: CA

Complaint narrative:
XXXX  XXXX XXXX made a mistake applying my mortgage payment for the month of XXXX then reported a 30 day late payment to my credit history that was NOT my fault. My numerous attempts to get ahold of the bank and to request them to correct their own mistake went ignored and all letters and call were unanswered ...

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!

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