vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: OK

Complaint narrative:
Ive contacted XXXX several times regarding the student loans on my credit report. I filed bankruptcy in 2017 and all my student loans was granted discharge but XXXX  still show them on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I lost my job due to Covid- I was off work for 9 months I went into Loss Mitigation due to having financial hardship- I completed my hardship and was sent paperwork to have notarized and sent back. I did so, I never received a response that the paperwork was missing items and it would have to be sent back out to me, and to not make any payments until it was completed. I then never received paperwork and called back in I was told it was now " fixed '' and I was now delinquent. I then began to reach out to several people from XXXX to Current and no one will advise what I need to do or assist, only one person XXXX XXXX reached out to do a follow up satisfaction call, to see if My situation had been resolved this was on XX/XX/21. I advised it was not, he stated he would follow back up- No response- I have to date called 18x and not one person has ever returned my call nor assisted me. I even came home to a letter taped to my door, stating Freedom Mortgage was attempting to get in touch with me, and I would not respond. What a joke. I hate that my mortgage was sold to this company. As Customer Service and assisting people is there not a priority. After coming off a hardship, they just continue to keep the barriers there.

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 2021-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have tried to contact Experian on numerous occasions with no success. My credit score with Experian is at XXXX while at XXXX  is XXXX and XXXX  XXXX. I wanted to find out why the discrepancy with Experian 's being so low. I was under the impression that the three credit bureaus should be reporting similar information which does not appear to be the case.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Relating to master card, last numbers XXXX from BOFA I see we had problem with XXXX XXXX on this card to start with, XXXX XXXX, this was sent back to BOFA as XXXX this back to XXXX XXXX XXXX XXXX, as are my bank now. this card went to a normal offer for no interest for XXXX. Month, but I paid this back on 12 months was fully paid on XX/XX/XXXX rest was XXXX paid off, and ask for closing on the card.. 
But after that, the BOFA did not respond to the closing and made some kind of credit on my card and start to ask for monthly payment, as I have not responded to I call them and they refuse to change any, report on XX/XX/XXXX reported {$760.00} and a minimum payment of $ XXXX. 
I will kindly ask you to have confirmation from me, this Credit Card, was cut here at XXXX. XXXX XXXX This illegal activity on the card and ruin my credit score every month are not acceptable, and they should pay for the damage on my score. 
I have my XXXX  account with all payment and return payments and some balance summary from BOFA to XX/XX/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 2021-07-14 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: MOHELA
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
The pre-paid card I was sent expired with about {$150.00} left on it, so it was no longer able to be used. However, the company claims that the " funds do not expire '' and that by contacting customer service, you will be able to get a replacement card and still access your funds ( there is no way to do it from their website, it says you have to call customer service ). Unfortunately, when calling the customer service number on the back of the card, it is an automated system with no options to select for an expired card, and no option to speak to a customer service representative. I was finally able to resolve the issue by selecting the option to " dispute a transaction '', then getting transferred to a customer service representative. This seems like an extremely deceptive practice designed to make it as difficult as possible for people to get access to their money if their card has expired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/2021, I responded to an email from Wells Fargo and informed them that I am ready to leave the COVID Homeowners Forbearance program. I requested the FHA homeowners mortgage refinance option, and was verbally approved for that plan. I was informed that the closing would occur in XXXX. Wells Fargo would prepare the closing documents and a notary public would contact me to arrange for signature and to leave copies. 

As of XX/XX/2021 nothing else has happened. I have spoken with and emailed the home ownership representative several times and have been assured that all is well with the loan. However, She does not know why the closing has not occurred. 

I understand that Wells Fargo is undergoing some leadership changes. The company is also dealing with several legal challenges. I am afraid that my mortgage refinance has gotten lost in the shuffle. Please help.

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 2021-07-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Immediate Credit Recovery
State: CA

Complaint narrative:
My name is XXXX XXXX I am reaching out to the Dept. of Education and Immediate Credit Recovery. Account # XXXX I have written all 3 credit bureaus and Immediate Credit Recovery about placing my student long account in forbearance or deferment because of the Covid-19. Everyone else in the United States and my friends all their student loans were place in forbearance or deferred but mind is still reporting as Charge Off and my credit scores with no job. I can not get a place to stay because I am not working and my credit because of these student long reporting as Charge Off is ruining my life. I am asking and pleading the Dept. of Education and Immediate Credit Recovery who I didn't even know had my student loan in collection. I never received a letter until XX/XX/2021 after I wrote to the credit bureaus and Dept. of Education. I talk to my Attorney General 's Office they told me to write this letter to CFPB asking both the Dept. of Education and Immediate Credit Recovery to place my student loan in deferment or forbearance. Until I can get a job and place to stay. Also, my Attorney General 's Office said that Immediate Credit Recovery can not collect in the state of California because it is not license or have a registered agent. They are validating Federal and State laws along with FCRA Sec. 605 ( c ) and FDCPA Sec. 807 ( 8 ) & Sec. 805 ( c ). As a consumer I am suppose to be afforded protection under these laws. This causing me not be credit worth of any new credit or to get a place to live. I highly appreciate that you can assist in either removing this off my credit or update as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
I have recently filed disputes with all the credit reporting agencies and it hasa been well over 30 days with no response.

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 2021-07-14 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: GA

Complaint narrative:
I have recently filed disputes with all three of the credit reporting agencies and it has been well over 30 days with no respnse.

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 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage with Loan Care has been a horrible experience. They regularly try to charge late fees when payments are on time and can be verified through my bank 's online payment records. It is a continuous problem. I decided to refinance through XXXX XXXX and Loan care was paid in full on XX/XX/2021. Loan care verified this a week later, but will not respond to my repeated requests to return my escrow account balance. If one checks their record with XXXX, Loan Care has been stealing escrow account balances for years!!! How can this be?? They owe me {$3300.00} and refuse to communicate. My Loan Care account number is XXXX This criminal enterprise needs to be shut down and make good on all the funds they have stolen from hard working families!! Please help ... ... Thank You ... ... 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 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: WI

Complaint narrative:
They contacted my place of employment and gave them information about where they were calling from. In turn, a fellow employee emailed me letting me know that the individual from that specific company had contacted me and had asked me to call them back.

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 2021-07-14 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: MI

Complaint narrative:
I was notified on XX/XX/XXXX that my Experian  credit score dropped by 25 points and my credit rating went from fair to poor. After researching my credit report I noticed that an old credit card account from XXXX XXXX  was now listed on my credit report twice, with the same account holder, account number and contact info. I am attaching screenshots that show the duplicate records. One key difference between the two duplicate records however was my payment history. The original entry on my credit report had my 3 years of on time payments for that account between XXXX and XXXX. The new duplicate entry did not have any of my payment history and simply had that it was a charge off. 

This duplicate entry on my credit report caused my credit rating to drop and my credit card FICO scores are now in the XXXX range. 

I submitted a dispute on the Experian website to address this duplicate entry on my credit report the same day on XX/XX/XXXX. After two weeks without a response I contacted Experian via their phone number and spoke to a representative that told me he would help get the duplicate removed from my credit report. 

What actually happened is that Experian deleted the original record with my 3 years of on time payments and instead kept the duplicate record that did not have any of my on time payments. 

I simply want this account to be accurate on my credit report and listed only once with my payment history intact.

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC
State: WI

Complaint narrative:
I have a debt collector who keeps calling me-Sometimes 2-3x a day- I called them back to find out what they needed- They are looking for my brother XXXX- I have told them, He does not live here, I have not seen or talked to him in a long time, and to stop calling me or I am seeking legal advice- I have told them that twice- They proceeded to call again, leaving voicemails, I still have some of them. I have spoken to an attorney about this I have deleted alot of the voicemails because my answering machine was getting full- but the most recent voicemailare from XXXX at XXXX ; XXXX XXXX at XXXX ; XXXX XXXX at XXXX other call times are : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX They call from like 2 or 3 different numbers some of these days they have called twice with two different numbers After speaking to attorney I am now writing them a letter and sending it certified

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: GA

Complaint narrative:
The violation that took place was Fraud and identity theft performed by Credco. 

I opted out of Credco releasing my consumer data report or any information from any company or third parties on XX/XX/2021. 

On XX/XX/2021 I received an alert from my credit monitoring service that Credco has released my personal and financial information to a third party company without my written consent, which is supposed to be in their policy for opting out of their service.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Vance and Huffman LLC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I was on actived COVID 19 forebearance for XXXX XXXX  XXXX. Shellpoint Mortgage has been charging me XXXX  per month for last 6 months for property inspection fee. 

Under covid 19 forebearnce, there are not supposed to be any fees assessed to my loan which they continue to do. After I came off this COVID 19 plan, and am trying to catch up on payments I am still being assessed XXXX  per month propety inspection fee. 

Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The name and address of someone who is not me have been listed on my Equifax credit report for several years. I have filed at least 4 disputes directly with equifax which are all listed as resolved but have not completely addressed the disputes. On the Equifax website, I am able to dispute the name ( which is accurate ) but I am not given the option to dispute the listed alias ( which is incorrect ). Each time I dispute the current address ( which is incorrect ) my dispute is listed as resovled but the address persists. The earliest disputes filed were back in XXXX and XXXX. They are listed as resolved but did not fix the error. The disputes were filed in XXXX, XXXX, and XXXX of XXXX. My latest dispute with Equifax I have filed additional disputes with XXXX  with greater success, although it required several follow up disputes to clear my record.The latest dispute confirmation number with Equifax is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: GA

Complaint narrative:
I have recently filed disputes with all three of the credit reporting agencies and it has been well over 30 days with no respnse.

Company response to consumer: Closed with explanation