vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority
State: NC

Complaint narrative:
I applied for forbearance while I was on furlough  XXXX thru XX/XX/XXXX. Even though I was under a forbearance the ServiSolutions continued to call to say that I was in breach of contract and defaulted on my loan. It got to the point that I pulled money out of my savings account to make the back payments. 


When I called in XXXX to ask about the statements showing I was behind on my payments, the customer service rep told me to not worry about the statements. The statements are not correct since I'm in a forbearance. So I trusted her and I ignored the statements and started making my payments at {$940.00} per month. Now, I find out that ServiSolutions or Alabama Housing Authority has been applying my payments to the previous month 's statement and not the current month and they are charging me a late fee for not paying XXXX! Im also sure they will ding my credit report with a late payment! 


I have worked very hard to have achieved my XXXX credit score and I do not intend to have them ruin it with their sneaky practices. 


I just got off the phone with another customer service rep at ServiSolutions and she was not willing to help. She simply said that this should have been explained when I took out the forbearance and that the late fee was because I had not paid XXXX 's payment. I did pay XXXX 's Payment! 


Ive listed my payments for the last 12 months below. 


XX/XX/XXXX2020 BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXXXXXX  BILL  PAY ServiSolutions ON XXXX {$940.00} XX/XX/XXXX BILL PAY ServiSolutions ON-LINE ON XXXX {$2000.00} XX/XX/XXXX BILL PAY ServiSolutions MOBILE ON XXXX {$1000.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00} XX/XX/XXXX BILL PAY ServiSolutions RECURRING ON XXXX {$920.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I have been a resident of XXXX County, NY for 35 years and am now in the process of selling my home in XXXX. The home is in contract for another XXXX County resident to purchase. We have been unable to get a clear title to sell the home, even though the mortgage with HSBC bank has been paid in full for seven years. The bank incorrectly recorded the satisfaction of mortgage seven years ago, and now that we are trying to get a clear title we are unable to do so. 

My lawyer, XXXX XXXX, has been attempting to resolve this issue, even providing all of the incorrect information as well as the correct information to the bank. The bank, HSBC, does not have a customer service contact that is willing or able to assist us. When I have attempted to contact them, and when my lawyer and my real estate agent have attempted to contact someone who can help us, they only provide an email address. When we email the contact email address we receive an auto response that says, " HSBC XXXX has reviewed this request and determine this is not a XXXX XXXX   XXXX loan. Your request has been referred to the appropriate HSBC Bank contact for review. XXXX '' We have been contacting the provided email addresses since XX/XX/2020, and have not yet received any response. The person who wants to buy our house must be out of her current living arrangements by XX/XX/2020. 

The bank has been completely unresponsive. We are in danger of not being able to sell our home and the buyer is in danger of not have a place to live as of XX/XX/XXXX. We do not know how to get the needed resolution. Can your office please help me? 

I can be reached at XXXX. I would greatly appreciate any assistance that you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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:
on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, EQUIFAX, AND XXXX. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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:
on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, XXXX, AND EXPERIAN. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: MS

Complaint narrative:
i notice inaccurate and incomplete items on my account from TRANSUNION, XXXX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters 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 2020-09-25 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:
TransUnion and XXXX  are fraudulent on my accounts : XXXX/XXXX  XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX/XXXX is fraudulent on my credit Account XXXX XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXXXXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX XXXX is fraudulent on my credit Account XXXX is fraudulent on my credit Account XXXX   XXXX  XXXX is fraudulent on my credit Account XXXX XXXX  is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account XXXX XXXX XXXX is fraudulent on my credit Account

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 2020-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
A person named XXXX XXXX called XXXX XXXX, XXXX at XXXX PST and left a voice message that he was representing a company named Legal Claim Services with the County of XXXX  regarding a judgement that is in process filed by XXXX XXXX  XXXX XXXX He mentioned he would be dropping off legal documentation next Thursday, XX/XX/XXXX and that I needed to call XXXX XXXX at XXXX. I called her and she said my wife, XXXX owed {$12000.00} to XXXX XXXX XXXX  Master Card that defaulted in XXXX and that the company had filed a judgement within the 3 year period allowed. When I asked her for specific debt information she told me XXXX and hung up. I called back and she hung up again. I called a third time and she said if I was not interested in making a payment arrangement she had nothing more to say. I again asked for creditor information and she said she didn't have to provide specifics and called me a " liar '' and a " cheat '' and hung up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.

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 2020-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may concern, This is regarding two current mortgages that I have with Bank of America. I have made several payments that have not been applied to my account. I have attempted since XX/XX/XXXX to get all payments that I have made be applied to my mortgage to no avail. I have been on hold in excess of 3 hours and then disconnected. I have all documentation showing payments that have been made. If someone could contact me I would greatly appreciate it. 
XXXX XXXX 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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX Dispute this Previous Address XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XXXX 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 2020-09-25 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: MS

Complaint narrative:
i notice inaccurate and incomplete items on my account from XXXX, EQUIFAX, AND XXXX  and sent them dispute letters regarding the negative items they are reporting on XXXX.i haven't gotten any response thus far with those companies and i also attached copies of the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: MS

Complaint narrative:
i notice inaccurate and incomplete items on my account from XXXX, XXXX, AND EXPERIAN  and sent them dispute letters regarding the negative items they are reporting on XXXXi haven't gotten any response thus far with those companies and i also attached copies of the letters 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 2020-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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 2020-09-25 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: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting 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 2020-09-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Numerous calls have been hung up on. Last person I spoke to was XXXX UV XXXX Mazda Credit through JP Morgan refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
i sent out a letter of a alleged debt from Ad Astra Recovery Service on XX/XX/2020 for the amount of XXXX that i do not owe. I haven't receive any of the documents that i asked for concerning this item and i attached a copy below of what i am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This complaint is regarding my Capital One credit card, which I opened in XX/XX/2015. Since opening, I have my all on-time payments and have used my credit sensibly by keeping my charges low and paying in full each month. Though I have had the credit card for years, I have not had a credit line increase. I have since opened other credit cards to use of larger purchases if needed because I always keep my credit utilization <8-10 % of my total credit available. As such, I have a great credit score, which I also monitor very closely. 

On XX/XX/XXXX, CapitalOne sent a letter to me a letter with the following information : " Recently, during a regular account review, we noticed you've only been using a portion of your credit line. To better fit your card usage, we've reduced your credit limit to {$5000.00}. We have kept your credit limit significantly above your highest balance over the last 2 years to ensure you can continue to use your card as you have been, while providing flexibility for future spending. '' At {$5000.00}, this credit limit is XXXX {$15000.00} less than my other credit cards and I will not use more than {$500.00} in order to stay below my credit utilization goal. This renders the card useless. Not only that, but taking {$10000.00} off of my total credit available to my name decreased my credit score by several points. As these often fluctuate, this maybe isn't the biggest deal to some, but I can not accept the fact that I am being a judicious steward of my credit and bascially get audited for review and re-allocation of my credit which I have earned. Since I find this wholly unacceptable, I reached out to Capital One on two occasions and spoke with individuals of three different tiers. The representative of the last tier said that there was no one above him I could talk to, even though that is obviously not true since I doubt he owns the company. There are probably several more people to talk to but he would not allow me the courtesey -- and my right as a consumer -- to do so. It is evident that Capital One will not solve this on their own. I am also going to write out a formal complaint and send it to them, but I have zero faith that they will respond appropriately or reasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX Found & disputed open " Line of Credit '' Account ( " XXXX '' ) w/BB & T on XXXX   XX/XX/XXXX XXXX reported ( Report # XXXX ) " The company that reported the information has certified to XXXX that the information is accurate. '' XX/XX/XXXX Called BB & T Branch I formerly ( XXXX ) had relationship with @ XXXX XXXX XXXX, XXXX, VA XXXX ; spoke to XXXX XXXX who knows me well ; explained that BB & T was showing me with an open account & asked that that be corrected ; she advised that she would 'have to check with her manager. ' XX/XX/XXXX Sent letter to " Bank Manager '' at above address confirming my conversation w.Ms. XXXX and again explaining the problem w/copy of XXXX report & copy of BB & T " New Account Opening '' form showing " Account Options/Overdraft Protection Provided by XXXX '' XX/XX/XXXX. Requested that all 3 Credit agencies be advised that the account was Not active. 
XX/XX/XXXX XXXX continues to show this as an active account, and I have had no response from BB & T. All documents mentioned above can be provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: CA

Complaint narrative:
Numerous calls have been hung up on. Last person I spoke to was XXXXXXXX XXXX XXXXXXXX XXXX XXXX   through XXXX XXXX refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.

Company response to consumer: Closed with explanation