vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 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: FL

Complaint narrative:
XX/XX/XXXX Over the last several years, XXXX, Equifax, XXXX has put inaccurate, unverifiable, invalid and obsolete items on my credit report. Ive disputed all of them with no answer, result, or information regarding these issues. 
As Ive been researching and learning ways to fix/protect myself against these negative items, I have uncovered not only that what theyre doing is unethical, but illegal. Over the last several months I have personally sent letters disputing these negative items with explanations but continue to be ignored. 
I have sent my final letters, over 30 days ago and once again a couple of days ago, pointing out that they are in violation with the FCRA, sections 601-629, without a response or resolution. 
I am extremely frustrated, anxious and appalled that it is so easy for these big private companies to take advantage of the public. Because of this, I am urgently reaching out to you to ask for your help and support in resolving this issue. Anything you can do to resolve this and hold them accountable for these unethical practices will be truly appreciated. 

XXXX XXXX XXXX  Amount Owed : {$1100.00} in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No action. 

XXXX & XXXX XXXX XXXX Amount Owed : {$230.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

XXXX XXXX XXXX Amount Owed : {$1400.00} Placed in Collections : XX/XX/XXXX Last Verified Date : XX/XX/XXXX No Action. 

US DEPT OF EDUCATION Closed Charge Off Amount : {$1600.00} XXXX XXXX XXXX Bank Inquiry for Individual XX/XX/XXXX No Action. 


XXXX XXXX XXXX  Banks Inquiry for Individual XXXX XXXX, XXXX No Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We are requesting an affordable loan modification or a reasonable settlement with SLS/ SPECIALIZED LOAN SERVICING/ MANAGEMENT DEPARTMENT/ XXXX XXXX On XX/XX/XXXX XXXX told both XXXX and me to submit a settlement offer. 
On XX/XX/XXXX we submitted the settlement offer to SLS email ( XXXX ) On XX/XX/XXXX we called and spoke to XXXX ( point of contact XXXX ), she claimed that she did not receive any settlement but when she checked the email she saw the email we sent. Without submitting this offer to the Investor or the management of SLS, she bluntly rejected it and became very rude and unprofessional as she has done many times throughout the years. 
We have requested a new point of contact for years, BUT SLS MANAGEMENT REFUSED TO OBEY WHAT THEY HAVE PROMISED. AS PREVIOUSLY, AFTER FILING A COMPLAINT TO THE CFPB, SLS AGREED TO ASSIGN ME A NEW POINT OF CONTACT. BUT SLS MANAGEMENT REFUSED TO HONOR THE AGREEMENT ( AS PROMISED IN THEIR REPLY TO CFPB COMPLAINT ) CFPB, PLEASE HELP US

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 2022-01-19 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: NY

Complaint narrative:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from Equifax regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I began to review my credit file. After finding several inaccuracies, I began to dispute the inaccurate information asking for an investigation to be done by the credit bureau for the items reporting on my credit file. To date, I have not heard anything from XXXX regarding my request for investigation. They have continued to ignore all requests which leaves me financially harmed due to an inability to obtain an extension of credit. I have sent requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. To date, absolutely no changes have taken place on my file, or have I received any response to the numerous requests made concerning the incorrect information reporting on my credit file.

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 2022-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This my 5the complaint about Suntrust/ Truist Mortgage their billing, online, people, escalation team and payment process. I made a payment of {$1400.00} thru my bill payer services on XXXX XXXX and it was delivered on XX/XX/XXXX however I received my current statement showing that they only received a payment of {$470.00} as well as I got a letter from SunTrust/Truist today dated XXXX stating that they received funds in the amount of {$5.00} that are not sufficient to bring the loan current. Please see all the attached evidence. Suntrust/ Truist continues to violate UDAAP on my paper statements, their online and letters to you and I which I have brought to your attention on multiple occasion. They always respond that because of the my bankruptcy it does impact my credit bureau which IS NOT the issue. The issue is that they continue to send incorrect statements, amount received and balances. Is there anyone that can assist me bc Suntrust/Truist have not and I get the impression after all this time they will not.

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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX. someone stolen my new chase debit card. 
And on XXXX person required chase bank sent a new pin code to him and chase did it. 
On XX/XX/XXXX. the person used my new debit card withdrawn XXXX dollars. At the same time I received a message from the chase bank asked me if it was me withdraw the money.I replied no immediately. Then chase told me they would close my card and send me a new card. I dont need to worry or do anything. But my money still taken away. 
So I called the police and had a police report number and filed a claim but my claims were denied time and time again. They said this guy used my pin code to withdraw money. However I called so many times to the bank, they also admitted that they sent a new pin code ( I have a recording ) but this new pin code was not me asking to send, it was the bank 's negligence, they didnt confirmed the id information and sent my debit code to the other person. But now they say it's my fault. 
Then on XX/XX/XXXX. Chase asked me provide police report with details. I took 2 months and I went to XXXX XXXX  XXXX police department ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) to get this report on XX/XX/XXXX. and on the same day I faxed it to the bank, but the bank said he didn't receive it, and then I faxed it again.and they still said didn't receive it. I'm sure all the information is correct, but they just keep lying. 
From XX/XX/XXXX to XX/XX/XXXX, almost five months, I spent a lot of time, energy and money trying to solve this problem. I have no driver 's license and no car and I have a small XXXX. I went to the branch so many times and wanted to ask for their help, but no one was willing to help me. I called the claims department so many times, and everyone gave me different information. they didn't plan to help me solve the problem at all. I cried so many times. This money is very important to our family. I really dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
This loan was transferred from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. The onboarding process has been a series of errors with no resolution. 

XX/XX/XXXX : Made XX/XX/XXXX payment to XXXX via automated phone system. 
XX/XX/XXXX : Received notice of servicing transfer from XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to make payment for XX/XX/XXXX. They said the account was still onboarding from XXXX so they could not accept a payment yet. 
XX/XX/XXXX : First monthly statement from XXXX. XXXX was full of errors. Monthly payment amount was incorrect. Also showed a past due amount even though we were up to date with all payments to XXXX through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to discuss statement errors and make XX/XX/XXXX & XX/XX/XXXX payments. The two customer service reps I spoke to could not explain why XX/XX/XXXX XXXX payment was not applied. They could not explain why our monthly payment amount was incorrect. They kept putting me on hold, but each time they said they could not correct the account. While on the call, I emailed SLS a bank statement as proof of XX/XX/XXXX payment to XXXX. Then I made payment with the customer service rep for XX/XX/XXXX & XX/XX/XXXX. The customer service rep said she submitted requests to have our account researched and corrected. The call lasted over 90 minutes. 
XX/XX/XXXX : Called SLS to follow up. They said the proof of XX/XX/XXXX payment to XXXX was noted in our account and that the Cashier Dept. was still working on updating and correcting our account to reflect all payments received. 
XX/XX/XXXX : Monthly statement ( received on XX/XX/XXXX ) showed a past due amount even though we had paid our account up to date through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS again to follow up. Transferred to Escalation Dept. The rep said the errors have been corrected in their system. The rep said a request will be sent to correct the account by applying the payments to show we have paid through XX/XX/XXXX. She said I can check back again after 5 business days. I requested contact info to complain about this process. She gave me a SLS XXXX XXXX XXXX in XXXX, CO. 

It is unacceptable for it to take so long for our account to be corrected. We are very concerned that XXXX will incorrectly report negative info to the credit bureaus and damage our credit rating.

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 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just received my credit report and noticed unauthorized items they shouldn't be on my credit profile. This had been a tough time during the covid 19 pandemic

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 2022-01-19 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: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
Bridgecrest XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an XXXX XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I suffered fraud transaction on my CITI debit card and I submitted it to CITIBANK. However, they denied my claim with no reason and reject to issue appeal for that.

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 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to make a full payment of {$230.00} on my Capital One credit card website. I made the payment using my XXXX checking account to draw the funds from as usual. Capital One website has a tool that will automatically prevent you from selecting an account with insufficient funds to make a credit card payment. Therefore, I've always made my Capital One credit card payments with my XXXX checking account for years. I've been doing this for a few years within fail and any glitches. However, this one particular time on XX/XX/XXXX, Capital One, twice sent back my payment to XXXX stating that the payment was attempting to draw insufficient funds from my Capital One checking account. This is not true, the tool I used to set up the payment prevents and prevented me from selecting the account with insufficient funds, so you can not select a insufficient account even if you wanted to. The tool will immediately inform you that you don't have the necessary funds in your account to make the required payment. This is the reason why I've always used my XXXX account to make Capital One credit card payments and never my Capital One checking account. Why they denied the payment twice, I don't know. I checked with my XXXX bank twice why the returned funds and they didn't know the reason why either. I had more than sufficient funds in the XXXX account to cover the {$230.00} payment on XX/XX/XXXX, so neither XXXX or I understood why Capital One returned the payment. The statement from Capital One stating that I arranged the payment on my Capital One checking account is false. Not only did they charge me a late fee for the payment being received after the due date of XX/XX/XXXX, they used the late fee/payment as a reason to charge me an interest fee. I don't think I should pay either. The late fee was refunded to my account, but the interest fee should be as well. I truly understand that mistakes happen, but this appears to be one of those attempts to collect unnecessary fees from one of their customers. Sort of like XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.

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 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc.
State: MD

Complaint narrative:
I was attempting to refinance my truck through RateGenius.io a financial website for these types of matters. The representative called my several times, and was unable to make a competitive offer that would be better than my current interest rate. After a few days the representative ( XXXX XXXX ) called again and offered a much better interest rate, upon reviewing the documents and going to sign the paper work, I found that he had lied about the rate. His sales tactics were deceptive and I questioned him on various numbers and he was vague and unclear. 

The rate of my current loan, is 3.65 % XXXX has stated he found me a loan for 2.79 % upon reviewing the documents, the loan was 3.49 %. When I asked XXXX about this, he said that the loan was good and the final rate was just " after they do all their stuff ''. Unknown what that actually means, but he was unable to clarify, and it was clear to me he was being deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CITIBANK, N.A.
State: NC

Complaint narrative:
CBNA went into my account with out my permission cause me to receive a hard inquiry I never open a account with this company dont no who they are

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I inquired into forbearance back in XXXX of XXXX when pandemic started. I called the 53 bank and asked the details about the program. I was told that I can hold of on payments while I am on forbearance. The options going to be to pay off the forbearance amount when I go back to work, put the forbearance amount on the back of the mortgage ( meaning to spread the pay off ) and 3rd option was loan modification. I understood that loan modification would be to reduce the apr rate. In XXXX of XXXX I called the bank to find out if I do qualify for loan modification. I was told that they are not sure how it will work and they will call me. I waited till XXXX of XXXX and called again. After calling numerous times I decided that I need to end this cause I was not getting answers to as how loan modification would work. I called to speak to them to end my forbearance. Finally in XXXX of XXXX I made a full payment of {$9200.00} to end forbearance. After weeks of calling the bank I thought I was finally cleared of forbearance and payments were applied to my account.. I kept paying my mortgage payments on banks website always on first of the month. On XX/XX/XXXX of XXXX, I received a threatening letter from the bank that my loan is in default cause of non payment. They have added almost $ XXXX to my balance and stated that if I dont come up with the amount my house can go into foreclosure. I called the bank immediately to speak to someone. They were not sure why I was on deferral program to pay off balance which I was paying since. It has been almost a month that I have been calling the bank and does not seem anywhere close to resolving the issue. They did take that balance off but added a late payment fee of {$890.00} to my account. I have never been late and their explanation is that I was supposedly late back in XXXX. But those payments were not late cause when they acquired my loan from XXXX bank I did not get the notification and kept paying to XXXX bank. I was on the phone earlier today with loss mitigation department to resolve this matter and no one can answer as to why I was put on deferral program which I did not ask for. I was making payments every month, I hope that CFBP can shed some light into this matter and help me out. I am truly scared that Imit will cost a lot of $ $ to get out of this cause incompetency of the bank. There is no one to speak to that can explain. I hope to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
XX/XX/XXXX I reached out and responded to company with documented evidence that the debt was not owed. I provided 30 written notice to vacate the premises dated for XX/XX/XXXX. The debt ledger that was provided list rental amount and late fees for XXXX and XX/XX/XXXX which is after the the premises were long vacated. I asked for follow up documentation in the form of required by law 5 day pay or rent quit notices or late rent notices from the original creditor as proof of rent owed and did not receive any further validation of debt. I am asking for them to validate this debt in its entirety.

Company response to consumer: Closed with explanation