vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: IL

Complaint narrative:
On all three Credit agencies ( Transunion, XXXX, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX XXXX credit card company reported me late in XX/XX/2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( Transunion, XX/XX/XXXX, XX/XX/XXXX ), to remove this and haven't gotten a response. Also, with XX/XX/XXXX they reported me late during the pandemic in XX/XX/2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.

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 2021-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Today, on XX/XX/XXXX at XXXX XXXX, I received a text message from # XXXX stating that BOA was unable to access my XXXX credit report for verification of credit history. 
I currently have a Fraud Alert and Block on the three major credit bureaus and other bureaus that are utilized for credit history verification. 
During a call to customer service, I spoke with XXXX, who stated that there was no evidence of any account currently in my name and that a Bank of America Credit Card application was submitted on XX/XX/XXXX. No further information was provided. 
I was then transferred to the Fraud Department. The pre-recorded message stated that I would be contacted by email, which had not yet been submitted. 
I have previously experienced verbal acknowledgement at the XXXX, illinois Location, of a home loan that did not surface during a XXXX bankruptcy filing. An actual application had been submitted to purchase a XXXX XXXX townhome in XXXX XXXX, Illinois. The loan request submitted at was denied. 
In an attempt to obtain information on said loan at a later date, I was told that no information was available pertaining to the loan ever existing. 
Following the bankruptcy filing, I was advised by a Debt-XXXX XXXX employee via dial that I must submit payment for a home mortgage that did not surfaced during the filing. 
Today at XXXX, I spoke with XXXX ( sp? ), who transferred me to the Credit Card Department. The prerecorded message stated they where unable to take my call. The recommendation was that I attempt to call back at another time. 
At your earliest convenience, I would like all pertinent information concerning the application submitted, identification submitted as verification of identity today so that I can make one trip to file a police report for this identity fraud attempt along with a recent submission and denial letter in the last few days from XXXX for a Credit Card. 
There has also been a disputed fraudulent Bank account closed with a police report number filed following two attempts at XXXX XXXX in Illinois.

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 2021-02-17 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: FL

Complaint narrative:
I settled my 2nd lien with Specialized Loan Servicing back on XX/XX/2020. Terms were Release of Lien with a short pay of {$7500.00}. I sent the payment to them and received a letter stating I have a XXXX balance. The lien still has not been released. I called the clerk of court and they advised they do not have a back log in which is what Specialized Loan Servicing stated as to why the lien has not been released yet. I also requested 4 times now to have a letter sent to the title company stating the loan has been satisfied and paid in full with a XXXX balance. Im trying to close on this home. They still have not generated this letter for the title company which is holding up the closing of my home.

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 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
I attended XXXX XXXX XXXX during the Spring XXXX semester and took two evening classes. One class I was extremely happy with, however the second class ( interior finishing ) I was completely disappointed with the instructor and instruction and the lack thereof. I spoke to the administration regarding the instructor and the fact the not only I, but other students were unhappy about the instructor and the class. From my understanding the instructor was spoken to regarding this situation, however nothing changed regarding his behavior. After giving a chance for the level of instruction to change but hadn't, I ended up dropping the class. 

On or about XX/XX/XXXX I received a notice from XXXX stating that I owed {$4100.00} in tuition for the class that I had dropped. I spoke with XXXX XXXX in the Business Office and informed her that I had dropped the class due to the lack of XXXX not providing a competent instructor for the course and that I would not be paying the tuition amount because of this. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX to inquire about this issue. After getting off the phone with XXXX it was my understanding that XXXX would not seek to collect the tuition. However on or about XX/XX/XXXX I received a second notice, which I thought perhaps was an oversite on XXXX XXXX part. However on or about XX/XX/XXXX I received a " Final Notice '' from XXXX. I called XXXX on XX/XX/XXXX at XXXX XXXX. and spoke to a XXXX in the Business Office and advised her that I had sent a letter to XXXX dated XX/XX/XXXX and to delay any further collection activities. 

On XX/XX/XXXX I received a letter from XXXX XXXX law firm, XXXX XXXX XXXX, seeking to collect the debt. According to their letter I had 30 days to dispute the debt in writing and they would provide me with verification of the debt, which I did. After my letter I never received any further correspondence or verification of the the debt. I assumed that matter had been dropped. 

On or about XX/XX/XXXX I received a collection notice from Conserve regarding the alleged debt from XXXX. I called XXXX once again and spoke with XXXX XXXX and she inform me that I would have to speak to a XXXX XXXX the VP of Finance. I asked that she have him call me. I never received a call. As per the letter from XXXX, I had 30 days to dispute the debt, which I did via mail on XX/XX/XXXX. I never received a call or any correspondence from Conserve. 

On XX/XX/XXXX I received an email from XXXX Identity works which reported that Conserve reported their collection activity to the credit bureau which has damaged my credit rating which I have been trying to rebuild over the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: FL

Complaint narrative:
On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-17 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: MS

Complaint narrative:
On XX/XX/XXXX, I mailed a letter about inaccurate accounts on my credit report. I never received a response and mailed another letter on XX/XX/XXXX. I still haven't received a response and it is XX/XX/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 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: UT

Complaint narrative:
XXXX XXXX, the wife of XXXX XXXX, was awarded the home in question by the divorce court. After extensive phone calls, emails and providing the divorce decree and many other requested documents, Flagstar Bank finally changed the account to XXXX XXXX name. She timely made all of the mortgage payments thereafter and her husband had no involvement at all with the loan. However, when she sold the home on XX/XX/XXXX, Flagstar Bank issued the check for the balance in the Escrow Account ( {$7400.00} ) to her ex-husband and sent it to her. After talking with many of the people at Flagstar Bank ( who promised to correct the problem ) and again sending the divorce decree ( because the people at Flagstar said they had no record of them ) she returned the check as Flagstar instructed. Flagstar issued a new check and sent it to her, but again it was issued to her ex-husband, not to her. After talking with many more people at Flagstar, including supervisors ( XXXX, XXXX, and XXXX ), Flagstar promised to electronically transfer the funds directly to XXXX XXXX account. It was never done and Flagstar never responded again. XXXX continued to call and email with no response. She hired XXXX XXXX XXXX, attorney, who made demand for the escrow amount on XX/XX/XXXX, with no response whatsoever.

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 2021-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
I bought this house XX/XX/XXXX with a company called XXXX XXXX but all of a sudden we started getting bills XX/XX/XXXX without being asked or shown updates from Flagstar bank Fraudulently because I personally never applied for refinancing nor anything else. Even new deed paperwork from what the two companies did needs to be revealed in writing to me and the opportunity to decline and just pay the city of XXXX XXXX Virginia until the matter is resolved. I think this kind of XXXX XXXX pyramid has been going on and we need laws to cover consumers truly. I met people in person when I purchased this house. I don't know anything about Flagstar bank except it appears to choose people they figure can't win their methods of dishonesty. Please I don't even know what it will take other than suing them for millions of dollars to help others get from the scandals and scam. Please tell me something else- legally as I talk to you. I owe them no explanation for what I want since they're not explaining to me how they chose me. And during Covid they can't even threaten foreclosure especially when I write checks but included XXXX XXXX information to cover my integrity as an XXXX Veteran and XXXX XXXX  XXXX XXXX employee from XXXX XXXX on XXXX XXXX for over XXXX yrs and by the GRACE of XXXX healing properly from an accidentally given XXXX XXXX XXXX given to me at a local hospital, so if this is take advantage people please don't let them get away with it. I've did all my life required as well now why can't I just live affordably on my pension til I die and the real mortgage company is responsible for the outcome if not paid in full. As Flagstar bank is proven corrupt I want my deed stamped and certified my ownership by their default criminal act. 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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
XX/XX/2021 Columbia debt recovery llc did an Hard inquiry for a installment loan on my XXXX  credit report. This is a fraudulent charge that needs to be deleted asap. I never received documents requested by me sent by certified mail to Columbia debt recovery llc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
THERE IS A ACTIVE DISPUTE ON A CHARGE FROM XXXX XXXX  IN XXXX XXXX  XXXX TX. 
I CALL THE BANK AND SHARED WITH THEM WHAT HAPPEN. 
THEY SAID CONTACT THE MERCHANT SO I DID. 
I ALSO FILED A COMPLAINT WITH THE CORP HEADQUARTERS FOR THE RESTAURANT. 
I HAVE HEAD NOTHING BUT HARD TIMES DUE TO THIS ON GOING ISSUE. 
MY CARD WAS CANCELED AND THEY REISSUED ANOTHER CARD WITH OUT TELLING ME THIS WAS HAPPENING. 
I LIVE OFF MY CREDIT CARDS AND THESE PEOPLE KNOW THIS AS THEY CAN SEE THE USAGE. 
XXXX IS THE MANAGER I SPOKE TO TODAY AS I HAD THE CALL ESCALATED. 
I WAS ANGRY AS I AM TRYING TO GIVE THEM THE PROOF THEY NEED FOR THE COMMUNICATION WITH XXXX. 
I WAS NOT ABLE TO LOAD TO THE MESSAGE CENTER.. 
TO HAVE A MANAGER HANG UP IN MY FACE IS BS! I AM CALLING FOR HELP AND TO FIND ANOTHER WAY I CAN FORWARD THE EMAIL OR SEND THE PROOF OR GO TO THE BANK IT SELF AS I WAS TOLD IT WAS OPEN. 1 HOUR TO DRIVE THERE AND ITS CLOSED! 
I HAVE AND DONE ALL IN MY ABILITY TO MAKE THING RIGHT AND GET YOU WHAT THEY NEED BUT ALL I CAN SAY IS I AM HUNG UP ON BY THE MANAGER. 
TIME OF THE CALL CENTRL TIME 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 2021-02-17 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:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing LLC. ( SLS ) They have our mortgage passed from XXXX since XX/XX/XXXX. 

We have terrible experience with them. from payments by check, costumer service ( if we lucky and they pick the phon ) online payments, almost inexistent real person communication available in the hrs they advertise ( today XX/XX/XXXX at XXXX .I was calling XXXX XXXX XXXX XXXX since XXXX XXXX  XXXX XXXX  until now, said they are not available try in 30 minutes ). 

XX/XX/XXXX, our check/payment of XXXX was sent by mail on XX/XX/XXXX .. the check was not cash by the XXXX ( we called before the late fee applied every XXXX of the month ) they said to wait one more week since our account was just transferred to them ( new ) so we wait. 

XXXX XXXX Monday .. we called they said the check must be loss and we should pay online or with XXXX payment by mail.. We made the payment online XX/XX/XXXX printed our confirmation, check online it showed in ur SLS online account, we cancel the check with out bank ( {$35.00} fee ), the very next day XX/XX/XXXX they cashed the check so a new payment of {$1500.00} showed our SLS online account.. ( we called then again to left them know that we canceled the " loss '' check ) when the bank didn't pay them, they took the check payment of the system and also the online payment we made first. we called again to complain. 

The check for XXXX payment was sent XX/XX/XXXX, they processed/ cash it on XX/XX/XXXX and added the payment of XXXX deleted ( online payment ). 


This year XXXX, we have the same situation with our Payment of XXXX. with the deference that we need to pay online before XX/XX/XXXX to avoid the late fee ( it is not more disclosed in the payment slot or their website ), We made the XXXX XX/XX/XXXX payment online and print our confirmation, it was not showed yesterday /Tuesday, we look in the bank before cancel the check, in our bank finally went through the online payment ( president weekend ) but also shows that they cashed our check, collecting {$1500.00} on XX/XX/XXXX online and another {$1500.00} from the check sent on XX/XX/XXXX, the one they said was loss, never delivery to them. I log into the SLS online account and it shows the new payment ( check cash ) yesterday XX/XX/XXXX ... 

they applied to XXXX when the slot and the check are date for XXXX, if they get XXXX payment and get a check for XXXX they should apply to the principal the least. 

It is abusive, if I didn't pay online, I would go it a late fee ( before {$50.00} now I think it is {$75.00} ) or if they didn't cash it I still have to pay the cancelation fee ... now I was a empty checking account, with a terrible situation in my house.

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 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX  XXXX XXXX  apparently had a credit card opened in my name. They were notified and they ADMITTED as you can see in the letter attached that was NOT mine and that I am NOT responsible. That letter was sent to me in XXXX of 2020. I STILL am receiving threatening letters saying it is mine, that they now want police reports and such which was not needed before they sent me the letter stating it was NOT my responsibility. 
This is a scam company that has swindled millions from people and has a F rating on the XXXX. I didnot do this!!! My credit is damaged by not only XXXX  XXXX XXXX  but by LVNV funding. This needs to be rectified at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: GA

Complaint narrative:
I reported this information to Experian months ago. They removed the fraud information however reinserted it months later. This is not my 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 2021-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
XX/XX/2015 Collection Management in XXXX XXXX, TN gave inaccurate information to credit bureaus about charges that were paid. 
I sent numerous certified letters to their address with no response, I also sent the credit bureaus XXXX  AND XXXX. Iwant this deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: IL

Complaint narrative:
On all three Credit agencies ( XXXX, Equifax, XXXX ), they are reporting a late payment on my credit card account and auto loan account. XXXX  XXXX credit card company reported me late in XXXX of 2020 during the pandemic and I made arraignments with them to make sure I wasn't late that month but they are claiming they don't have enough information to know what really happened. I asked all three Credit Agencies ( XXXX, Equifax, XXXX  ), to remove this and haven't gotten a response. Also, with XXXX XXXX they reported me late during the pandemic in XXXX of 2020 and I asked for that to be removed as well and I haven't heard anything back from the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One credit card was asked to update my phone number and they refused. 
Kindly note that a credit card with an open credit line of {$2500.00} was sent out but I need received the card .Thus, the reason why I called to have the card block. I asked them to update my phone number to update my information and I was giving a depository excuse as to why it can not be done. They have an old number ending in XXXX from XXXX XXXX, which is in the hands of an unknown person and used as a form of identity verification, instead of my current number, ( XXXX ) ( XXXX ). 
The card is currently in someone else 's possession with my name on it, along with someone else phone number ( ending XXXX, my old phone number ) on the account as a method of verification. 
I spoke with XXXX from the capital one, she refused to update my information hang- up the phone, and another representative called XXXX and another person called XXXX ! 

Sincerely, XXXX

Company response to consumer: Closed with explanation