vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
To Whom It May Concern, I was placed on forbearance from XXXX 2019-XXXX  of 2019. This forbearance was given to me due to XXXX which was a tropical storm. I had a conventional loan which states the forbearance can assist me for up to 6 months consecutively. 

Freedom Mortgage reported to the credit bureau that I have late payments that were over 90 days. These readings are imperatively degrading my credit report. 

Also, immediately following this 1st forbearance I was placed on the Covid-19 forbearance in XXXX. I had no gaps between the disaster forbearance and the Covid-19 forbearance. It is my understanding that during the 1st forbearance I would be covered for 6 months since I have a conventional loan. 

I have since paid off my loan in full but now my credit report is reading that for the months of XXXX and XXXX I was over 90 days in late payments. This is impacting my score immensely and it is making it impossible to proceed with a new loan for a new home. I would appreciate your help with this very important matter. 

Best Regards

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 2020-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTECH DIVERSIFIED, INC.
State: CO

Complaint narrative:
CollecTech has still neglected to provide me with validation as requested by me and required by law. Please direct them to delete all unverified accounts from my credit reports. Thank you very much for your help in this matter, it is greatly appreciated. 


This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated. I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX XXXX XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I have a huge problem. My loan was at XXXX XXXX XXXX. The loan was in my brothers name that was deceased and his father in law. The mortgage was behind. I contacted XXXX, and I made an application for a loan modification with all the information they required, death certificate, title of home ( which is in my name ), small estates affidavit. 
For over ONE YEAR, I was receiving mortgage statements with my name on it. I have all documentation showing so. All of a sudden, my loan was sold to SPS. I was never informed of it. It appears someone changed the mailing address on my mortgage and the ownership title of this.

This is unacceptable what SPS has done. I am the only one on title of the home, and I am the one who is responsible for the payments. I need assistance. Plus the previous lender, XXXX XXXX XXXX is drafting the payments out of my checking account and not crediting my new loan at SPS. This is a nightmare.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Asset Management Systems Inc
State: SC

Complaint narrative:
Financial Asset Management has reported this collection to my XXXX  credit report with the current balance of {$4300.00} and an original balance of {$3300.00} and original creditor being XXXX XXXX. I contacted the company months ago to request a mailed written verification of debt along with the original date the loan was opened, the loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for since this student loan is unknown to me. The representative I spoke with at the time advised me that she would mail out verification of debt along with the open date for the loan, loan amount, the university the loan was used at, and the school year ( s ) the loan was submitted for. But I have yet to receive anything in the mail and this is still being reported on my credit report as a owed collection. I am requesting either the collection agency or the original creditor provide me with mailed written factual proof that this debt is valid and owed by me. Along with providing the date the loan was opened, the loan amount, the university the loan was used at, and the enrolled school year ( s ) the loan was used for. If my requests noted above can not be met in full then I would respectfully request this debt be deleted from my credit report with all bureaus reporting it and with no future reappearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX Capital One Bank Credit Card reported my account late. I have never been late because I have automation payments set up. I spoke to the company who stated they would remove it in XX/XX/XXXX as of today it still remains Account number- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One credit card is in violation of federal Equal Credit Opportunity Act because they have denied me credit without giving me a fair process and my credit decision Capital One stated that there was an extended hold on my credit report what they were going to contact me in order to verify my personal identification they have not contact me during the application process and have denied me my right to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
On XX/XX/2020 I submitted written documentation requesting validation of this and also validation that this company medicredit has the rights to collect on this account ... at this time Medicredit has responded with a itemized bill from the original creditor but has not provided sufficient evidence for these charges nor have they provided proof that they can collect on this account .... I have asked this company to immediately remove this account from all three credit bureaus immediately.. XXXX  XXXX  and also XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: PA

Complaint narrative:
We have been stressing to XXXX  XXXX our inability to afford this for over 2 years now. For over two years they have been uncooperative and ruined us financially and credit wise. We entered an agreement with them, but we had no clue what we were actually getting involved with. They purposefully withheld information from us during the presentation and the truths they did tell were watered down. Instead of doing their best to make amends with us and acknowledge our inability to make payments towards the XXXX, they sent us to collection agency ( Aspen Collections ). We are being harassed not by one, but two companies. We sent a cease and desist to Aspen to let them know we had no interest in communicating with them and to send our account back to XXXX XXXX so we could handle the cancellation of agreement, and they continued contacting us despite the cease and desist we sent. Aspen has attacked our credit, but we never agreed to work with them. Not only are they attacking our credit, but the balance is increasing with them! How can a balance increase with a company weve never worked with or signed an agreement with? Why would we discuss our account with Aspen Collections when they are unable to assist us with the dilemma were facing? Aspen is complicit in collecting funds from us to go towards a company that manipulates their members into agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a INVESTIGATION into XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in yourEINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 non-monetary relief
Consumer complaint received 2020-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr. Cooper has charged me a {$10.00} fee on my loan. When I reached out to ask about the fee, I was told someone accessed my account online and authorized the fee. As this was very alarming, I called and spoke with XXXX with Mr. Cooper who told me that the fee was assessed after someone requested a payoff statement through their website on XX/XX/20. I explained to XXXX/Mr. Cooper that I had not requested a payoff statement and that no one else should have login access to my account. Therefore, someone fraudulently accessed my account via their website and a {$10.00} fee was assessed based on actions they took when accessing my account. I explained this to XXXX with Mr. Cooper and she refused to do anything about it. Mr. Cooper has yet to provide any documentation showing who incurred the fee, how it was incurred, why it was approved, and/or how someone accessed my account. 

Again, I have not taken or authorized any actions on my account that would incur any fees. Someone has fraudulently accessed my account and incurred fees on my behalf. I have tried to explain this to Mr. Cooper but they will do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I have had issues with Navient ever since they took over my account. Right now, I am not even able to log in and receive information. However, my chief complaints are 1. Refusal to acknowledge option to consolidate away from Navient to XXXX XXXX XXXX requiring me to have XXXX assist me during a call to Navient, in which they still resisted providing the information. 

2. Never providing information on income based repayment, repeatedly forching my into forbearance and deferrals. 

3. Refusal of my application for foregiveness based on my years of XXXX in a XXXX XXXX school. 

If pursuing these is of benefit to me, I will contact NAVIENT and attempt to get the required details from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I sent over a dispute to Transunion on a charged off XXXX XXXX account regarding metro 2 compliant errors see below. 

The " Date of Last Activity '' is listing XX/XX/XXXX The " Opened Date '' is listing XX/XX/XXXX The " Closed Date '' is listing XX/XX/XXXX *This is not possible and totally inaccurate* Fast Foward XX/XX/XXXX Transunion sent me back results. I get them in the mail XX/XX/XXXX claiming they updated information " BASED ON MY DISPUTE ''. They updated the " Date Updated '' and " Past Due Rating ''. 

NOTHING else was updated nor was the metro 2 errors fixed. These errors are still reporting on my credit file. I have previously disputed with Transunion regarding this account on their inaccurate, incomplete and unfairness many times and they still fail to fix anything. Transunion is still reporting a " Past Due '', the payment history continues to be incomplete not showing the full report history and continuously fails to notice of dispute in the remarks section on my report regarding this XXXX XXXX account. This account has many inaccuracies and I feel as though Transunion is in non compliance and refusing to properly investigate this account. I have also noticed the file number not being changed throughout my dispute process regarding new investigations. I have sent out method of verifications to Transunion on this account and Transunion and XXXX XXXX have failed to provide any information to me on how they verified this account in my previous disputes again showing me that they are in non compliance and continuing to not abide by FCRA laws. This account is unverifiable, incomplete, inaccurate and completely unfair and Transunions reporting procedures is highly damaging to my credit score. 
I will include all my dispute letters starting XX/XX/XXXX, method of verification sent with a return receipt, and all Transunion 's result responses to this complaint. 
Hope you can help me, Thanks

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 2020-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I had a house fire which was a complete loss in XXXX. XXXX XXXX was my mortgage company I had got my first drawl. Then they sold my mortgage to Freedom Mortgage. I was in the middle of getting my second drawl when the mortgage was sold. Freedom Mortgage has not honored what round point was given me. I have tried to fix this with them and I just get the runaround. Now my builder has pulled off and I owe money to the lumber company and other contractors. If things are not paid by the XXXX of next month I will be charged interest for what I owe.

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 2020-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30 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: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 non-monetary relief