vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I previously submitted a complaint under complaint ID XXXX and it was subsequently closed by CFPB due to a reply from the company. However, the issue was NOT resolved. 

XXXX XXXX XXXX submitted my 1st Installment XXXX tax payment to the WRONG property PIN. Due to this, I became delinquent on the 1st installment of taxes and was charged by XXXX XXXX {$100.00} due to the delinquency. 

Incorrect PIN : XXXX Correct PIN : XXXX Here is the sequence of events : 1. XX/XX/XXXX- XXXX paid the wrong taxes to the wrong property PIN ( listed above ) 2. XX/XX/XXXX - Taxes reported as delinquent to my lawyer during a sales transaction of the property 3. XX/XX/XXXX - Contacted SLS where they advised that the taxes were paid on the WRONG PIN and that is why they are delinquent - due to SLS 's error 4. Taxes were paid out of closing costs, including a {$100.00} penalty 5. XX/XX/XXXX - Filed 1st complaint to CFPB for the issues and lack of resolution with SLS to get a response from SLS, including a refund on the penalty paid ( {$100.00} ). 

6. XX/XX/XXXX - Received a response from SLS that DID NOT resolve the issue of the penalty I paid out of pocket. It only addressed that they 'requested ' a refund from XXXX XXXX on my behalf. 

7. XX/XX/XXXX - I contacted SLS 's Tax department and they said they couldn't do anything, they transferred me to customer service, they said they couldn't do anything and transferred me to Escrow, escrow told me that they won't do anything for me, and then they transferred me to their Executive Support Team- who said they won't do anything for me because the dispute is closed. He told me I need to write a letter and open a new dispute. I spent a total of 1.5 hours on the phone trying to get a refund for SLS 's mistake. 

At this point, I am at a loss. It can not be this hard- they can clearly see they paid on the wrong property address and can view the interest charge on the correct property address. The loan paperwork has the CORRECT property address. SLS entered the incorrect property address when they did the payment. And now they are refusing to refund me interest payment I was charged and paid. 

To SLS : I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. Under state law and under the federal Real Estate Settlement Procedures Act ( RESPA ), a mortgage lender is responsible for all penalties and costs due to its failure to use the borrower 's escrow to pay the taxes on the right PIN, in full and on time. 

SLS is responsible for the penalties I incurred for the late tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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:
Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX XXXX  Acct XXXX. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: CA

Complaint narrative:
Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX - Acct No. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).

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 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received my credit report from XXXX and XXXX I was unable to pull equifax. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXXXXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I received my credit report from XXXX and experian I was unable to pull XXXX. It included the following inaccurate information multiple name spellings, addresses that are incorrect or unknown to me maybe a possible relatives. I also had a bankruptcy that is not reporting correct information or all information that should be in the report is not included in there like old credit accounts that were paid and agreed. the information below needs removed, I have multiple name spellings as well. I will upload a copy of the report for proof below. 
MULTIPLE ACCOUNTS THAT SHOW LATE PAYMENTS AS WELL I WILL HIGHLIGHT THEM I need clarification as to why you are reporting certain information on my credit report : XXXX XXXX -late payments XXXX XXXX XXXX finance-late payments XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX PL, XXXX XXXX OH XXXX po box XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX BANKRUPTCY SHOULD HAVE BEEN CLOSED XX/XX/2016 IT WAS DISCHARGED YET ITS REPORTING INACCURATE INFORMATION ON THE DATES TO BE REMOVED. 
MULITPLE NAME SPELLINGS MY CORRECT SPELLING OF MY NAME WILL BE INCLUDED IN THE REPORT ITS 13 DIFFERENT WAYS LISTED ON THE REPORT AND MULTIPLE PHONE NUMBERS

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 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been treated by this company saying I did bank fraud when I did not. I wrote a letter explaining that I lost my job due to covid and I got an email saying they will contact my new employer and sue me for bank fraud and I never did any type of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I reached out to Cardinal financial company several months ago to inquire about refinancing my home and what it would entail. I spoke to XXXX XXXX NM XXXX XXXX, at length and gathered several pieces of information that would be required if we chose to refinance our home. We decided not to go this direction. Now today I received a " Statement of Credit Denial, Termination, or Change '' dated XX/XX/2021. Never at any time did we submit an application nor give any permission to dig in to our personal credit history several months later. I work hard to improve and keep a satisfactory credit score and this should not be allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Bureau XXXX, XXXX, and Experian failed to reply to letters I sent in before on accounts that are being negatively reported. 

I have reached out to them via mail and fax and no reply in 4 attempts.

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 2021-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a refinance with Chase bank. My mother has a mortgage of approximately {$67000.00} at 5.85 %. After my father died in XXXX, I tried to refinance under my name, and was denied. I have an excellent credit rating. I live in XXXX XXXX, and am a property owner there. The date when I received their formal letter of denial was XX/XX/2021. The property is on the XXXX XXXX XXXX XXXX. 

I have since learned that others in the neighborhood on the XXXX XXXX XXXX XXXX have also been denied a refinance with Chase.

I was referred to their " Escalation Department, '' and was told that someone would get back to me in 48 hours. I called them 72 hours later, and was mysteriously disconnected TWICE. I am still attempting to get through to them. When this disconnection happened the second time, I decided to file a complaint. I am still on hold after the third call with Chase as I'm completing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had earlier filed a dispute with Experian as it pertains to an account that I had with XXXX XXXX XXXX XXXX. Experian was reporting that I was delinquent with this account. I filed a dispute with Experian and today I got an email from Experian saying that the account has been updated to ( paid, was past due 30days ) and this is false. I had contacted XXXX XXXX XXXX XXXX about this account been reported as been delinquent and they said that they was going to change that information in there system and have the delinquency/ late payment removed from my account as this was not the case. 
I am enclosing a copy of the letter/ email that the Manager Of XXXX XXXX XXXX XXXX sent to me. This account should have no late payments or delinquencies listed on it.

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 2021-09-15 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX to provide them with 30 days written lease termination notice because I was being called to XXXX XXXX in excess of 90 days, as protected under the Uniformed Services Employment and Reemployment Rights Act ( USERRA ) as was outlined/suggested by my Unit. My lease was already going to expire on XX/XX/XXXX and I was establishing an effective termination date of XX/XX/XXXX. 

On XX/XX/XXXX, a representative for XXXX XXXX contacted me and said they were 'unable to release you from your lease without penalties '. I promptly responded requesting an explanation of what about the paperwork I had provided was unacceptable and for a copy of my lease agreement. On XX/XX/XXXX, the representative finally responded again saying that they had reviewed with their legal team and that their understanding was that USERRA did not provide these protections for service members ( which is definitely untrue ). Additionally, I was never provided a copy of my lease agreement. 

National Credit Systems , Inc. would later start pursuing me for {$4000.00} in XXXX of XXXX. This is outlined as a combination of my balance at move-out along with an insufficient notice and lease termination fee. 

I notified National Credit Systems in the Fall of XXXX that this debt was invalid and requested additional evidence that they believed this debt to be mine. They sent me a partial copy of the lease agreement on and tried to substantiate that the debt was valid. 

I sent them a letter in XX/XX/XXXX wherein I attached my original 30 day notice, all email communications between myself and the XXXX XXXX representative, and my military orders from XXXX. In my letter I also reinforced the specific code that applies in this situation is Section XXXX of the SCRA, 50 U.S.C. National Credit Systems then sent me a response on XX/XX/XXXX claiming that they felt this was insufficient evidence to validate my dispute. 

Feeling that what I sent must have been overlooked, I resent the previous evidence with a new letter on XX/XX/XXXX, providing additional context around what was previously provided. National Credit Systems sent me a response on XX/XX/XXXX echoing that I still have not provided sufficient evidence to validate my dispute. 

My issue at this point is that this debt is not valid but still appears on my credit report with the remark : 'Completed investigation of FCRA dispute-consumer disagreed '. This has been most recently updated as of XX/XX/XXXX. This collection should be closed, as it is clearly invalid, and promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: OH

Complaint narrative:
I have been called 7 times in less then 12 hours, including 4 in a one hour span. Tuesday XX/XX/XXXX and XXXX. Company is IQ data international

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error.Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I sent a dispute letter to Equifax on XX/XX/2021 in regards to inaccurate and incomplete information on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 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: Merchants Credit Bureau, Inc.
State: CA

Complaint narrative:
An third party called XXXX XXXX XXXX XXXX sent my information and open a loan with Merchants Credit Bureau on XX/XX/2021. Without my consent, I had contacted XXXX from Merchants Credit Bureau who refuse to close the account. After I had explained this is a fraudulent account, I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
ON XX/XX/21 SUNRISE CREDIT SERVICES , INC. has flagged my account as UNPAID Collection account. {$1.00}, XXXX past due as of XXXX XXXX this not my account I never had an account with XXXX/XXXX/XXXX I put in a dispute with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MD

Complaint narrative:
I had a credit card and its associated account through Elan Financial Services since XXXX. My issues are with both. 

On XX/XX/XXXX I reported my card as stolen. I requested it be replaced, but to date it has not been replaced despite requesting so through their customer service on at least three occasions. 

On XX/XX/XXXX I was finally told my card would not be replaced because my account had been closed. I did not request my account to be closed, and Elan did not contact me to let me know that I was at risk or that they were taking this action. My credit score has been significantly damaged as a result and so I can not find another credit card company to take my place instead.

On at least three instances ( late XXXX, early XXXX, and summer XXXX ) I attempted to set up automatic payments via Elan 's mobile app or by speaking to a customer service representative. These efforts did not work and automatic payments had not been attempted. I was not notified until months of non-payments went through and hundreds of dollars of late fees had accumulated in two of these instances. The third time I was not notified but did notice by myself.

On numerous instances Elan has withdrawn the funds from my bank account to make payments ( most recently XXXX, XXXX ) just to return them later and claim that the payments did not go through and assess me a significant fee. I have been monitoring these as they happen and in every case, I do have sufficient funds in my bank account and the payment is listed as " posted. '' I do not have these problems with any other credit card company or other service. 

I attempted to reach out to Elan on XX/XX/XXXX to resolve all these matters and more but they have proven unwilling to respond even as I was on the phone with them 20 minutes ago.

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