vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
We originally had a first mortgage with XXXX XXXX XXXX which was a major player in the collapse of the financial markets during the last recession, prior to that, In XXXX I applied for an equity line of credit with XXXX XXXX XXXX. During the housing crisis of XXXX I lost my job and was unable to pay my mortgage with XXXX  XXXX XXXX and XXXX XXXX. on XXXX I was able to acquire a loan modification for the first mortgage I was told that XXXX XXXX closed its doors and this account was reported as charged off as a forgiveness debt. I have NOT received any information, bill, or mortgage statement as to this debt until XX/XX/XXXX from XXXX XXXX XXXX [ EXHIBIT A ] stating they were my new mortgage servicer. I called XXXX XXXX XXXX and told them I understood this loan was charged off, she looked into the file and agreed it was no longer active and that it was sent by mistake. And Then I received one month later on XX/XX/XXXX a mortgage statement from Statebridge Company [ EXHIBITB ] declaring my mortgage payment is {$1300.00} a month but there is an over due payment of {$210000.00}. The original line of credit was for {$130000.00} I'm being charged interest for the loan since XXXX and have not received ANY information, bill, or mortgage statement since XXXX. On XXXX XXXX I sent a Qualified Written Request [ EXHIBIT C ], requesting a payoff and history of payment and explanation of this account and on XXXX XXXX I receive a loan history statement [ EXHIBIT D ] and I noticed an error on the loan history statement so I contacted the loan manager XXXX XXXX  to explain that they were charging for forced placed hazard disb. Then Yesterday XX/XX/XXXX I received notice of trustee sale taped to my door [ EXHIBIT E ]. As of today XX/XX/XXXX my home is now in foreclosure with a sale date of XX/XX/XXXX. Trying to deal with Statebridge has been very difficult I decided to apply for a loan modification even though I don't think that I owe this money knowing the payoff is wrong but because they filed a NOD XXXX XXXX I was scared that they would file a notice of trustee sale but they proceeded to file anyway without finishing the review of this account they say their investor is not willing to negotiate for a loan modification or any resolution except full payment when I spoke to XXXX XXXX  he says to send everything in writing because he has no knowledge of the previous account balance but he explained that his client/ investor is a new investor since XX/XX/XXXX when this account was transferred from XXXX XXXX to Statebridge XXXX We have lived in the home since XXXX and would do anything to keep it out of foreclosure. So I don't have any other options other than to contact you to help me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have sent 4 certified letters and 2 regular mail letters asking for information and validation of debt and the company has refused. I received one note from them and I got it on XX/XX/21 and it had nothing in it that I have been requesting. My credit report came in this morning and it carry 's incorrect information on all levels. This account is under a ceased order and is still being reported and discussed without proving to me this is my debt and WHY. Since this has happen it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: WI

Complaint narrative:
I am an authorized user on my deceased friends XXXX XXXX  credit card. I called several times and sent in their required death certificate. I was told it has been taken care of several times. They REFUSE to remove the XXXX dollars owed from my Experian credit report. Experian will do nothing to help. I am. XXXX XXXX  XXXX and financially destitute and can not afford a lawyer. They LIED to me repeatedly.

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
Hi there, 1. I have contacted Guaranteed Rate ( XXXXXXXX XXXX XXXXXXXX or XXXX ) as I have made two payments to them in regards to my newly opened mortgage. The payment I made was was from a payment coupon I received from Guaranteed Rate however both my payments were not correctly applied to my mortgage. I have called in to have them correctly applied however they have only applied one mortgage payment. I've been trying to get a confirmation that both my payments have been applied.

2. My mortgage was sold to another provider - XXXX XXXX XXXX XXXX XXXX however when I call them ( XXXX ) they have no record of my mortgage being transferred to them from Guaranteed Rate. In addition, the mailer I received from Guaranteed Rate indicates that my mortgage has been transferred with the original principal balance meaning no payments that were made by me were applied correctly. 

3. After countless calls and emails, no one can tell me where my next payment is due. Guaranteed Rate noted to me that I can not make my XX/XX/2021 payment to them since my loan is transferred to XXXX. When I call XXXX, they have no record of my account with them even when I provide my name, SSN, or property address. I don't know who to make the payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NJ

Complaint narrative:
XXXX collection has an account from esurance that was taken out by my ex-husband with a vehicle he financed in my name. In our divorce settlement in XX/XX/2020 he was ordered to take responsibility of that debt and all that related to it. I do not XXXX, I am legally XXXX, he is the one that was in charge of whatever insurance he wanted to put on there. This is not my collection, I did not open this account- it was done online by him like everything else he did behind my back. If anything its my ex-husbands and it should go on his credit report. I even offered this company to pay them the full balance to remove this incorrect account collection on my credit report and they refused to remove it. That was me being considerate and now I have to get legal over a debt that doesnt belong to me for a lousy {$86.00} but it is the principal and the violation of my rights under the fair credit act. Every dispute I have filed they have taken over 45 days to respond and my lender/loan officer is upset. I have excellent credit without this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent.I am victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting and the fair credit reporting act i need the actin taken care of immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: IN

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has violated my rights! I have attached all the details in the letter.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has violated my rights! I have attached all the details in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
I contacted Grant & Weber on XX/XX/21 to inquire about a collection that I did not recognize, but is currently reporting on my XXXX report. I provided all of my personal information, including social security number, and the agent was unable to locate an account. I then requested for them to remove the collection from my report and was advised that since they could not locate the collection that there was " nothing they could do '' about it. I was told to contact XXXX, which I have already done and was told to contact Grant & Weber. I'm going in circles. 

I have attached a screenshot of the collection which shows that Grant & Weber last reported it on XX/XX/21. Since they reported it, they should have a record of it, correct?

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 2021-09-22 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: MI

Complaint narrative:
2 Months agoreceived your correspondence on this alleged accounts in my file stating you verified or updated, these accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

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 2021-09-22 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: DC

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My mortgage is in forbearance since XX/XX/2020. I was given only 17 months of forbearance by Wells Fargo even though I am entitled to 18 months. I made my last payment on XX/XX/2020 and applied for forbearance on XX/XX/2020. They are shortening me on my right to 18 months forbearance period because they say that I applied for forbearance the same month I already made a payment for even though the payment was made before I applied for the assistance. I didn't know on XX/XX/2020 that I can apply for forbearance. I learned about this a week later. It doesn't make any sense to me why would they go back a month? Wells Fargo always tries to rip off its customers and this is another example. I suggest you look into this because it's not only me they did that too.

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 2021-09-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My family and I have suffered irreparable damages and financial strain since the credit reporting agency XXXX has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: NJ

Complaint narrative:
My family and I have suffered irreparable damages and financial strain since the credit reporting agency Experian has allowed the creditor, XXXX XXXX XXXX abuse and violate.my credit report along with my rights under the Fair Credit Act. At the beginning of the pandemic the creditor offered payment arrangements for those that were affected economically because of the pandemic. I called in and made an arrangement to change my payment date from the XXXX  to the XXXX of every month making full payments. No late payments were reported to my credit report for over a year and suddenly in the midst of a mortgage approval the company put over five late payments on my credit report. I found the FTC and consumer financial protection bureau Complaint watch the creditor responded that they would remove all late payments and it was an error. The company removed all late payments except to that has drastically impacted my credit report. I filed many disputes in which resolve the issue the last dispute that was filed, except once consumer finance close the complaint and marked it as a result of the company a week later put back on to late payments. Ive been in an extended stay hotel for over six months trying to resolve this and my next step is an attorney. This loan was my ex husbands responsibility in our divorce settlement since 2020 but theres no way to remove it from my credit report because he financed it in my name. I have a copy of my divorce complaint and settlement if needed.

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 2021-09-22 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: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American First Finance, Inc.
State: WA

Complaint narrative:
I negotiated a settlement on an American First Finance account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains. 

American First Finance has removed this item from XXXX and XXXX but not XXXX XXXX. I filed a consumer finance protection bureau complaint with all three bureaus and two removed it. 

By not agreeing to remove this from XXXX XXXX, American First is continuing to collect on this debt. This is a violation of the Fair Credit Reporting Act AND the Fair Debt Collection Practices Act and punishable by punitive damages under the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc.
State: FL

Complaint narrative:
Refinanced a student loan with CommonBond and servicer XXXX. The new loan has started on the XXXX yet my old loan has not received any funds. In contacting them the payment is being sent by mail and may take 3 weeks to reach my old servicer. In the meantime I'm accruing interest on both loans. Also, when contacting to see when the check will be received I'm told there is no tracking information available! When refinancing all my information was provided, how is it that when one electronic loan is started the payment can not be sent electronically to the old? Old loan is through XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Convergent Resources, Inc.
State: AL

Complaint narrative:
I received a letter dated XX/XX/XXXX and received XX/XX/XXXX from Convergent Outsourcing stating that there was a XXXX XXXX debt of XXXX. 
1 ) I have lived in AL since at least XXXX and have not had XXXX. 
2 ) I have not received any XXXX bill and this is the first letter from Convergent giving me 30 days to dispute.

3 ) Before I can even dispute, this debt is appearing on my credit report as of today on XXXX. 
4 ) This debt states date opened as XX/XX/XXXX, status date of XX/XX/XXXX, no other date history reported on the delinquent mark.

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