vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT

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 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
To Whom It May Concern, Hello, I lost a large part of my income due to the pandemic. Concerned about paying my mortgage and after hearing about mortgage companies deferring payments for up to three months, and considering Id never been late with a payment, on or around XX/XX/XXXX I decided and called my mortgage company NewRez Financial and asked if I could have my mortgage deferred. The person I spoke with explained it shouldnt be a problem considering the COVID situation and said she'd get back to me by the end of the week. She called me back and said that my request was accepted. She said that my mortgage would be deferred from XXXX until XXXX. To be sure I asked how deferral would work and she explained that my mortgage payment would just be extended for three months tacked on to the end of my mortgage loan and that there would be no penalties, fines, or fees and that this wouldnt effect my credit. A week or two later I received a scary email requesting mortgage payment, and a week later an email apologizing for the request. I called the company about the emails and was told not to worry and to ignore any other request for payment. A week or so after that I received a letter in the mail from NewRez which I did not open. Not long after I received another letter and so I opened it and there was a letter explaining to me that my mortgage was in forbearance. I called my mortgage company about the letter and was connected to a debt collection service named Shellpoint. The man I spoke with said that I misunderstood. I am certain that I did not misunderstand. He explained to me that the 3 months of mortgage was expected to be paid in full by XX/XX/2020. I explained that this was not expected and said that I feel Ive been misled and felt I was being taken advantage of. I called and asked to speak to a supervisor and was told to expect a supervisor to call me within next couple of days. The call never came. I've been foolishly waiting for a call to straighten this situation out, however it has yet to come. I am hoping that reaching out to you can get me a positive result. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My Name is XXXX XXXX XXXX. 
XXXX is my middle name and NONE of my credit uses my middle name. 

Please correct this ASAP. The company response to the dispute is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-07-14 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

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 2020-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL

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 2020-07-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My bank has a predatory policy of ending online banking account access for consumers if a checking account goes negative. This resulted in me being unable to receive timely notifications with regard to account changes and due date changes during the Covid 19 Pandemic. 

My bill was due date was XX/XX/XXXX. I paid it in the bank drive through at XXXX XXXX  XX/XX/XXXX ( 29.5 days after the due date, short of the 30 full days guaranteed by the fair credit reporting act and the the 2009 Card act before reporting to the credit bureaus ). This was reported by the bank to the credit bureaus as overdue. After acknowledging that I paid in full short of 30 full days overdue in an exhaustive month long exchange with the banks Vice President of  lending, they determined that the bill had to be paid before the 30th day, rather than before the 30th day at close of business ; which is not in keeping with the law.

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 2020-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT

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 2020-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I applied for XXXX XXXX to help fund my daughter 's education. I applied with Sallie Mae and they sent me denial letter stating I was denied due to student loan delinquency of 90 days or greater. I reviewed my credit report with XXXX and did not find any student loans delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I applied to refinance my FHA loan into Conventional loan with my current mortgage servicer, Freedom Mortgage. I was able to find a better deal elsewhere. I explained this to my loan officer. I then received a call on XX/XX/2020 from a woman at Fredom Mortgage asking when I was going to make my payment. I had never received a call like this. I stated that I would be making the payment before it's due date. On XX/XX/2020 I received a letter stating I was being placed on a repayment plan as of XX/XX/2020. I had already made my payment, this is being done to prevent me from refinancing my home with another servicer.

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 2020-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My original loan was through XXXX. It was sold to XXXX & now Im stuck with PHH Mortgage. I was unaware of the many problems with this company until they sent a letter dated XX/XX/2020 claiming that FEMA had recently mapped my property into a Special Flood Hazard Area. I thought it must be a scam since I live on a hill. They are force placing flood insurance, even though I have sent many documents showing I am not in the XX/XX/2020 FEMA SFHA. I have applied for a LOMA from FEMA, but I did not do this from the beginning because FEMAs updated online map clearly shows my property in a low flood risk area. PHH wants me to provide an Elevation Certificate at my expense which I am unable to procure anyway because it can not be done for a property that is not in a flood zone according to XXXX XXXX at XXXX XXXX XXXX XXXX, surveyor XXXX XXXX XXXX XXXX County Flood Plain Administrator, XXXX XXXX. I have provided my correct Community #, property ID # s, my Recorded Deed as well as other documents including a flood determination & property exhibit from XXXX, maps from engineers & my appraisals from the XXXX County Appraisal District. PHH is refusing to send a flood determination to XXXX so that I may purchase insurance from the provider of my choice. I started asking for this document on XX/XX/XXXX when I first learned it was needed in order to even get a quote for the high risk flood insurance. XXXX requires this document when a mortgage company claims a property is in a different zone than what XXXX & FEMA states. It is nearly impossible to get a live person on the phone at XXXX. I have been passed from agents to managers to supervisors to researchers with great difficulty on my part to even get past the first call-taker. They rarely call back, they have given me direct lines that are not answered & /or disconnected. Employees that have promised to see my case throughare suddenly no longer with the company. All of this easily took the 45 days they gave me to either dispute my case or purchase my own insurance before they choose their own & start charging me for it. Now they are charging me for insurance that I have no proof that is needed, do not know what company is providing it or what it covers. XXXX is aware that I have lost my job due to COVID & that this policy abuse will make it more difficult for me to continue to pay my mortgage. I have never been late or missed a payment. I would have refinanced a month ago to be free of XXXX if I were able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this report because today XX/XX/20 I was made aware of an account that is not mine appearing on my credit report. The only reason this account was brought to my attention is because I had my credit ran at a Jewelry store and they told me I had an account in negative standing and after looking at the account myself I quickly realized I never opened this account. The name of the account is XXXX XXXX XXXX XXXX for an amount of {$14000.00}. I did not benefit anything from that account such as money, goods, services nor did I take part in any payments that might or might not have been made towards this accounts. I also do not have any written or verbal contract with that company and I never allowed them to access my credit. I took it upon myself to file a police report in hopes of having this accounts cleared from my name and credit history since I never authorized it to be opened on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PORTIFOLIO MORTGAGE
State: FL

Complaint narrative:
When COVID hit and mortgage companies were offering relief options I inquired with my lender, American Portfolio Mtg, however all they were offering was a few months of a break with a balloon payment at the end. This wouldn't do me, nor anyone experiencing a hardship any good. If I wasn't able to make a XXXX payment in a month what makes them think I'll have XXXX dollars 4 months from now? So I said " No thanks '' and it didn't make sense for me. 

Fast forward to last week when I'm applying for a new loan on an investment property and the lender tells me they can't give me a loan because my current loan is in forbearance. I was shocked and furious and called AMP. I was told that my loan had indeed been put in forbearance and that to come out of forbearance it would be around XXXX. That money wasn't an issue and I immediately wired them to bring my loan current through XXXX. The problem is that they put my loan in forbearance and now it shows that I wasn't able to make my payments. They advised me that they just turned off my ACH on my bank payments and that they get 10 calls a day from people in similar situations that were put into this program without their consent. 

Now I am unable to get a loan until AMP produces a letter stating that I did not agree to enter forbearance to resolve my issue with my current lender. Is this something that I can sue for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I contacted Wakefield and Associates about a debt collection letter I received. In the letting it states my balances accrues 7 % interest. I informed them that the original creditor did not have interest included into their bill and they told me that it did not matter. It is my understanding that they are not allowed to tack on interest unless it was written into the original contract, meaning they would be taking part in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : 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

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 2020-07-15 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: TN

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX Company Inquiries : 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

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