vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
This is a continuation of prior complaints. Now they show me 60 days late, in default, and intent to foreclose. I have sent all the payments. I can not control what they do with them. It seems as though this is some kind of racketeering scam or criminal activity to extort extra money out of you by threatening to foreclose and harass. Receive phone calls constantly and usually letters every other day, and/or every Friday. Have an ulcer from this.What do you do when they don't process your payment. We have lost 2 sales on the house. Can't sell because can't get financed for a new one because they've wrecked my credit and won't fix it and neither will the credit bureaus. How are you allowing companies to do this. XXXX XXXX transferred to them XX/XX/2018 & I have been living with this. I understand that XXXX XXXX is guilty of this in 11 states. Is Specialized Loan Servicing affiliated with XXXX XXXX or an arm or co-conspirator to defraud. They only do this to customers paying on time, and then say you have not.PLEASE STOP THIS ; PLEASE FIX THIS. WE NOW HAVE A 3RD POTENTIAL BUYER. All have been at asking price. I almost throw up every time I get a letter from these despicable pieces of garbage. On top of all this, it wrecked our chance at a reverse mortgage to get away from them. THIS HAS TO STOP NOW! I will not tolerate this any longer, my health is in jeopardy. We are senior citizens and my husband is a veteran that's had 2 strokes. If either of us die from this harassment, I will make sure that the estate sues everybody, forever! There must be some recourse and you must have some authority to revoke their license and put them out of business. It's not just for us, but for the others that they've done this to that I see online. Attaching file with docs from them and updated Exhibit A & B with all my payments and usps receipt numbers. PLEASE, PLEASE, PLEASE DO SOMETHING THIS WEEK! I can't take anymore of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
1.She pulled our credit report Four times without our permission 2.long time no respond .we asked her many times processing time, but she hold our case over half a years .waste our time and money.

3.because of Covid-19, she went back to XXXX so communicate so touch and hard to connecting.she is not professional 4.She told us no closeting cost on refinancing.But she charged us $ XXXX on Commission fee .No work ethic and moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I've been paying my card faithfully on time. It says my credit limit is {$1000.00}, my balance is {$740.00}. It says available credit is {$0.00} and it will not allow me to use my card. I didnt receive anything saying why. They don't offer online or email contact and with my schedule I cant call to fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
Ive been filling disputes since XX/XX/2020 when this account appeared on my reports out of no where. Ive disputed it at all 3 credit bureaus but then Covid hit and Ive not gotten a response from them or the collection agency due to the pandemic. This is not my debt, I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/20, I filed a complaint with CFPB against PNC Mortgage compliant ID XXXX. 

On XX/XX/20, I received a phone call from PNC, stating that I was on a RECORDED LINE and the lady wanted to speak to me regarding my complaint with CFPB. I ask why are you calling my home and anything that you want to speak to me about should be put in writing and submitted to CFPB. I also stated that when I tried to resolve this issue no one wanted to speak to me and was passed around to different people like a basketball!! 

I REQUESTED THAT PNC, NOT CALL MY HOME AGAIN AND TO SUBMIT THEIR RESPONSE THROUGH CFPB. 

PNC TRIED TO RECORD ME!! 
I want it on paper in case I need an Attorney to get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: KEYCORP
State: OH

Complaint narrative:
We filed bankruptcy in 2015 but never foreclosed on the home and continued making on time payments to Key bank. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to Key Bank they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with KeyBank has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made several request to have information reported on the credit report corrected due to COVID-19. Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XX/XX/XXXX andXX/XX/XXXX. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic.  Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/XXXX which is still being reported as last on my account. 

As a XXXX military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

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 2020-07-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with XXXX XXXX and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, XXXX  and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor XXXX XXXX  and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For XXXX XXXX, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a XXXX  military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

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 2020-07-31 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: FL

Complaint narrative:
I have disputed the information with Equifax and they continue to report information that was disputed in XX/XX/2019. This is not my account and I've completed an identity theft report. I was part of the breach through Equifax and informed them in the past that this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Radius mailed a letter dated XX/XX/2020 to pay some unknown debt and at the same time reported to credit bureau. Never even gave me time to receive the letter in a middle of a PANDEMIC! Reported to credit bureau damaging my credit Im working hard to already repair. And theyre basically saying okay its nothing we can do about it today! Why not? You put it on there with the XXXX of a key!? XXXX the same key and remove it just as swift! Why are they allowed to report this and ruin peoples credit when we never get a chance to receive the communication?! And especially during a 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 explanation
Consumer complaint received 2020-07-31 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: KY

Complaint narrative:
XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XXXX. In addition, they are reporting a balance due although they have already written the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XX/XX/2015. In addition, they are reporting a balance due although they have already written the debt off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I have no idea why this company is negetivly affecting my credit reports with their false reporting. I do not Know them or owe them anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
this company calls me everyday and does not say anything when I answer! when I call back, its an automated call rather than an human, They even called my XXXX yr old XXXX  phone and falsely reported on my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
In XXXX I started a forbearance agreement with my mortgage company due to my wife 's hours being cut to almost nothing. Her hours have stabilized so I am trying to end it and get my mortgage current. I have been trying to contact the company for a month, but the phone lines just keep sending me through the automated system and they will not respond to an email. I have followed all their directions and yet no one will answer back to help me resolve my forbearance. Because no one will answer me and my forbearance expires today I requested to extend to the federally mandated 180 days to help protect my credit. They still have not approved that yet. They are not in compliance with the CARES act and are making no attempt to be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
We filed bankruptcy in XX/XX/2015but never foreclosed on the home and continued making on time payments to XXXX XXXX. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to XXXX XXXX they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with XXXX has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I opened a Capital One 360 checking account on Friday XX/XX/XXXX with an initial deposit of {$120.00}. The banks website states accounts that are funded when opened will have atm cards sent by XXXX ( overnight ) in 1-2 business days otherwise cards will be shipped by USPS. 

I called the bank on Friday XX/XX/XXXX regarding the cards whereabouts and was told by the first CSR that it had been sent by USPS even though it should have been sent by XXXX  XXXX. The CSR could not explain the error. I requested a second CSR ( XXXX I believe ) who explained it was possibly a " glitch ''. Neither of these are explanatory or acceptable answers as it pertains to the handling of money. The interaction with Capital One seems fraudulent or otherwise falsely advertised given that all criteria was met.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Convergent Outsourcing keeps calling and writing about a debt they acknowledge in their written communications that they can no longer sue me for or report to a credit agency. If it is too old to collect, they need to stop contacting me. This is what they state " The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX XXXX can not sue you for it and this debt can not be reported to any credit reporting agency. Convergent Outsourcing, Inc. can not sue you on this debt and Convergent Outsourcing, Inc. can not report this debt to any credit reporting agency. '' They need to stop contacting me. This is harassment. I am not XXXX enough to start the clock all over again by sending them any money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are 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 2020-07-31 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: GA

Complaint narrative:
I submitted all proper documentation in reference to my Identity Theft claim on XX/XX/2020 ... and nothing has been done per FCRA section 605B in regards to identity theft. I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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