vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This complaint serves as a formal notice/request and follow up to fax sent on XXXX to your office to remove past due amounts/fees charged to our account Our account had mis-applied monthly payments by both XXXX XXXX XXXX and Specialized Loan Servicing which were resolved in XX/XX/2021. XXXX XXXX XXXX communicated the corrections and your letter dated XXXX stated the resolution as of XX/XX/2021 to waive all errors arising from the mis-application. However, our current monthly statement as of XX/XX/2021 continues to show an invalid past due amount due amount of XXXX. Our account is current and all monthly payments were made on time. 

Attached is a copy of your resolution letter dated XXXX and statements from XX/XX/2021 to XX/XX/2021 showing the invalid past due balance. Please make the necessary corrections. Thank you.

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 2021-05-12 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: NC

Complaint narrative:
My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 Transunion XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX  XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 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 2021-05-12 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: NC

Complaint narrative:
My credit report shows hard inquiries as follows that I have not consented to and should not appear on my credit reports. 

CREDITOR DATE OF INQUIRY CREDIT BUREAU XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX Credit/Flow XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XXXX XXXX  XX/XX/2020 Equifax XXXX XX/XX/2020 Equifax XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
Please see the attached documents from the CFPB portal for REMOVAL OF ACCOUNT # XXXX off XXXX Which is XXXX XXXX XXXX XXXX 

The investigation was complete and contacted the " XXXX XXXX ''. The account was removed. Therefore, what type of investigation did TransUnion conducted that is different the XXXX and XXXX??? As this is account is REMOVED from those 2 CRA 's  and TransUnion is the only CRA 's coming up with verified information, which makes no sense at all! 

Please Reference Report CFPB # XXXX, which states this account has been removed. ( XXXX Response XXXX Then Reference Report CFPB # XXXX, which states the information is accurate and verified. XXXX TransUnion Response ) My scores in the XXXX 's on XXXX and XXXX  but TransUnion is XXXX. Why??

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 2021-05-12 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: PA

Complaint narrative:
I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX, Trans Union or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am on a hardship program with XXXX XXXX  for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX XXXX XXXX or Equifax refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: PA

Complaint narrative:
I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. Experian will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! Experian, XXXX XXXX or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. Experian does not answer any calls for me to contact them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.

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 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Its about my car loan. I have a letter from credit acceptance that this car XXXX XXXX XXXX was paid in full by XXXX XXXX. My car was in 2 accidents. 
Contract pay off account # XXXX 2019 XXXX XXXX From paid accounts processing department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX. XXXX Texas XXXX. I'm reporting that in 2017 Guild Mortgage used false advertisement to deceive people to do business with them by persuasion of a fake {$6500.00} offer by advertisement at XXXX XXXX XXXX XXXX in XXXX Texas XXXX XXXX by rep XXXX XXXX. Then Guild Mortgage used XXXX XXXX a sales rep off XXXX XXXX XXXX XXXX in XXXX XXXX Texas to use deceptive trade practices and lie til the end and didn't deliver the {$6500.00} max of loans over {$300000.00} ( ours were {$400000.00} ). Then XXXX begs the consumers to give Guild Mortgage good reviews after he knew the home owners were glad to get it over with after 8 months claiming delays by XXXX XXXX XXXX permitt delays by XXXX XXXX mistakes. My wife and I was going with XXXX XXXX until XXXX XXXX along with XXXX XXXX kept pushing the {$6500.00} incentive of Guild Mortgage offer by flyers / advertisements in the model home by XXXX XXXX. My wife XXXX and I will testify we asked XXXX XXXX throughout the extended process in his office personally several times. What we was told was the money would be available at closing to ensure that the process was complete! But we were deceived because no one was at the title company at all like we were told! We didn't know the process was done by title personel only! When we complained no return calls. I went through XXXX and XXXX XXXX issues and 2nd XXXX, XXXX XXXX  from XXXX from the first XXXX and was medically unabled for quite some time and XXXX was priority. When we contacted Guild Mortgage with the proof of false advertisement Guild used the reviews that XXXX XXXX use to justify we were satisfied priod! Negliglecting and ignoring the FALSE ADVERTISEMENT GUILD USES TO CREATE BUSINESS FOR THEMSELVES DRIVING BUSINESS AWAY FROM THE COMPETITION!! REAL CRAFTY AND SHOULD BE ILLEGAL DECEPTIVE TRADE PRACTICES BY STATE AND FEDERAL LAW!!! I'M VERY UPSET THAT GUILD MORTGAGE WOULD TAKE ADVANTAGE OF A XXXX VETERAN ESPECIALLY AFTER XXXX XXXX DENIED THE SPECIAL RATE OF 3.25 % RATE THAT WAS INTITLED TO XXXX VERTERANS BY TEXAS XXXX XXXX AT THAT TIME PLUS ADDED POINTS DRIVING THE FINANCE RATE EVEN HIGHER! I STILL HAVE THE FALSE ADVERTISEMENT AND CAN SEND IT TO YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to have information in my file deleted IMMEDIATELY. I was notified today that the errors were resolved when in fact they were not there are still error on these same accounts that they stated were fixed and they yet once again are not and here I am once again wasting my time and money trying to get this resolved. I am so tired of having to dispute and go back and forth with the credit bureau and there still be information wrong. I am done with disputing these XXXX accounts and all of the inaccurate information that is on it. I have been trying for months to get ALL of the inaccurate information on this account fixed I have even disputed it though this XXXX AND THE CFPB already and everything once again was not fixed as it should have been. At this point I would like for these accounts to be removed that are listed above from my credit report because that is the only thing that can be done to satisfy me at this point. I have tried countless times for this to be fixed. It is against the law for you to keep having all of these inaccurate information on my credit file and it is unfair. Just delete the accounts to resolve this situation. 

How is it possible for me to go straight to 90 days late in XX/XX/2019 then go straight to 120 days late in XX/XX/2019 then 150 days late in XX/XX/2019. This pertains to just about all of the account. I can not be on time one month and then 90 days late the next month it doesn't make sense.

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 2021-05-12 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Company shows a debt of {$220.00}. All fees and balances were paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I previously submitted a complaint about the my account not being updated since XXXX on XX/XX/21. As of XX/XX/21 it was updated to " Paid In Full '' BUT STILL the WRONG amount. It is not hard to reflect the amount actually paid, which was " {$870.00} '' NOT the " {$1900.00} '' it reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
I am submitting this complaint because of how long my closing process has taken through First Citizens Bank. I originally submitted my contract on XX/XX/2021 at First Citizens Bank located at XXXX XXXX XXXX XXXX XXXX, VA. I was told I would close on this property in 60-70 days. I was told that I would close by the end of XXXX, then XXXX and now we are almost at the end of XXXX, 91 days from when I turned in my application and contract to the mortgage lender. The current owner has extended the contract once until XX/XX/2021, and is becoming very impatient, as am I. I am very displeased with this process and I hope it does not cost me the purchase of this house. I have reached out continuously to my lender in XXXX and my loan processor located in XXXX, SC, but they have not been helpful as this process continues to be strung along with no solutions to close in a timely matter. I have sent in all requested documentation in a timely matter, always right after it is requested. So I would like an explanation as to why we are 91 days from the start of this process and would appreciate a solution as soon as possible so I can close on this property before the contract addendum expires once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: ERC
State: UT

Complaint narrative:
Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATIONXXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but Experian and XXXX  have ignored all documentations I have sent them. I contacted Experian and XXXX  and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : Experian and XXXX  don't pay attention to any documents and refused to resolve this problem.

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 2021-05-12 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.

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