vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I was in forbearance last year, first for 3 months. I signed a Partial Claim Deed of Trust to end my forbearance in XXXX, 2020. I was later told that this could not be timely processed and that it was NOT filed or recorded. I then was put back on forbearance by my lender, and again signed a Partial Claim Deed of Trust to end my forbearance in XX/XX/2020. I have recently learned that they did, indeed, file both of these Partial Claim Deeds of Trust against my property, which is double dipping. The amount for the XXXX Partial Claim, includes the full amount of the XXXX Partial Claim. I have received payoff statements from both XXXX and HUD, and neither is claiming this XXXX Partial Claim, but they also have not applied it to my loan. I have been trying to get them to help me since XX/XX/XXXX, and no one will return my call. Each time I call them they give me the run around, transfer me to various people and departments, only to leave a message again, for which I have not received a return call. I need this extra lien to be removed from my title on my property or for XXXX to properly allocate this to my mortgage, which will create a 3-month credit.

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 2021-04-07 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: OH

Complaint narrative:
We disputed a XXXX XXXX account in XX/XX/XXXX. The dispute was suppose to be completed XX/XX/XXXX. The account is 7 years old. XXXX  and XX/XX/XXXX have removed the account completely. We called Equifax to remove the dispute. Instead of removing it, they open 2 more disputes. The initial dispute should have been closed. It surpassed the 30 day mark. every time we contact Equifax in regard to this untimely matter they open another dispute.the 7year time period has expired in regard to this account and the dispute filed on XX/XX/XXXX has went way beyond the prescribed time limit for disputes, but yet Equifax still has a active dispute open on my credit in regard to this Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM PORTOFOLIO WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureaus is reporting erroneously on my credit file. I did not receive any letters, calls, or notices about this debt. It was not until i checked my credit that I noticed this debt. That in itself is a violation of my 30 day right to dispute. I called and paid it immediately and requested they remove this from my credit file and they denied. That was a few years ago and it is still on my credit file. I have called multiple times to try and get this removed from my credit file and they refuse. This debt has been paid off and i need it removed from my credit file. It is now getting in the way of me being approved for financing and that is not ok. I do not owe them anything anymore and as they had the power to report this debt I know they also have the power to remove it. If it is not removed and i am still denied financing due this PAID collection on my file that is still affecting my credit scores i will have to contact an attorney and take further action. I need this account removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TX

Complaint narrative:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM PORTOFOLIO WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

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 2021-04-07 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: OH

Complaint narrative:
I have 3 accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
BB & T Mortgage company reported I failed to pay my mortgage on time in XXXX and XX/XX/2020. I respond my mail as as soon as I was aware of it in XXXX stating I paid the mortgage on time both months with mortgage payments evidence from the bank. The issue wasnt mortgage it was taxes. I am exempt and there was an issue with exemption status which was rectified once it was brought to my attention because I purchase my home mid year. Mortgage was never late or missed. Taxes were in question and when they were checked and verified they were paid immediately after document investigation and explanation. BB & T reported mortgage was late after they reviewed mortgage payment proof via letter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All three Credit Reporting Agencies XXXX XXXX XXXX Experian Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX F XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three Credit Reporting Agencies XXXX Trans Union XXXX Today lowered my FICO score by 35 to 45 points With no late payments, irregular activities, enquiries, or debt to income increse utilization. 

I belive this could be Senior discrimination Please investigate and revert Thank you XXXX XXXX XXXX SS # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX DOB XX/XX/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 2021-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I purchased coins from XXXX XXXX in an online auction. When the coins came in, they were counterfeit. The terms and conditions state : All items are sold as is where is without warranty or guarantee. It is the bidders ' responsibility to verify the integrity, condition, and Authenticity of all goods before bidding. We do not test or verify any items sold in the auction. 
However, the seller user terms state : You represent and warrant that any Listed Item ( s ) placed by you : are owned by you, or you have the legal right and authority to sell such Listed Item ( s ) on behalf of the legal owner ; are free and clear of any and all registered and unregistered liens, security interests, tax or duty obligations or other encumbrances or contrary claims whatsoever, except as expressly disclosed by you within the applicable listing ( the " Encumbrances '' ) ; are in good operating condition, free of material defects, except as disclosed by you within the applicable listing ; have not been modified or tampered with in any manner that would be contrary to applicable legislation or misleading to a Bidder, including, but not limited to, tampering with emission control devices ; have not been fraudulently obtained, and are not stolen or counterfeit ; They are required to represent and warrant items are not counterfeit. This information is located in the auction information with XXXX XXXX  logo and name on the document. Since they are required to represent and warrant the items are not counterfeit, they are not permitted to change that in the terms and conditions. The coins were purchased on XX/XX/2020 in the amount of XXXX XXXX Dollars. Barclay has so far agreed with the seller saying the terms and conditions override the fact they are required to represent and warrant items are not counterfeit. XXXX XXXX agreed to represent and warrant all items are not counterfeit and since they don't set the auction requirements, they can not make changes to the requirements in the terms and conditions.. I have communicated with XXXX XXXX and Barclay Credit Card about this issue and have requested a refund, but up to this time have been denied by both companies.

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 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did 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 non-monetary relief
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I've had no luck with XXXX Mortgage XXXX. They stated they can not report any current or past mortgage history to the credit reporting agency due to my Bankruptcy XXXX As of today they have no plans to ever report and nor provide any mortgage information to a third party lender that I'm attempting to refinance with. 

Per my BK Attorney and Trustee this is a valuation of the consumer reporting Act. And a BK XXXX should have never stop reporting. 

This delay has caused me several hundred dollars in savings to refinance my home. 

Carrington Mortgage Services XXXX XXXX XXXX XXXX IN XXXX Account Number : # XXXX Attn : Research Department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: ID

Complaint narrative:
This company called my mother XXXX XXXX at XXXX, on XX/XX/21 at approx XXXX and threatened that a process server would be serving me with legal paperwork over a debt. My mother was advised of a case number against me - and my mom was told I had a debt and was threatened by a XXXX XXXX that papers would be served to my place of employment that day. 

I called back on XX/XX/21 to the number given - XXXX. I was told that this was the number to call back. This was not XXXX XXXX nor the company he claimed to be calling for, it was XXXX XXXX XXXX for a debt that had been sold twice. 

I was told that they are a mediation company that tries to reason with the person before it goes to litigation. I agreed to the terms but I am now concerned that this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
My mortgage was passed on to Selene Finance at the start of XXXX. I was experiencing financial difficulty due to a medical issue my child had to endure. I applied for a modification, which I was granted but was unable to make the payments on. As a result, I took a withdrawal from my 401K to pay the entire amount owed in XX/XX/XXXX. From that moment on, XXXX has never marked my account current. As of this date they have reported me as being 90 days past due on my mortgage which is not the case. On their website as of today ( XX/XX/XXXX ) they have posted that I am 37 days late. Every mortgage payment includes something called " advanced fees ''. Although I send my mortgage payment out on the first of the month, XXXX shockingly never receives my payment until it is past due even though it is mailed to a location that is only one hour away from where I live. I have attempted to make payments on line but was only allowed to do this once according to their website. In addition, they continue to miss paying my property taxes on time. They are ruining my credit and I really need help. This company is the absolute worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX Hyundai motor credit repossessed my car I had called them numerous times they had told me every time on the phone that my loan was closed and paid and I did not have a loan with Hyundai motor credit it was reported on all three of my credit reports that my loan was paid and closed try to call them about 20 times to find out how much I owe them and how to get my car back every time I call them they put me on hold and then hung up on me I never did get my personal possessions back cuz no one could tell me where my car was or how much I owed on it I got a letter saying they repossessed my car but would not give me how much I owe or when it would be sold and how much to get it back. Then I got a letter saying I owe them {$16000.00} and after they would sell my car I would owe them {$9000.00} and something it is no way I owe them {$16000.00} I've had my loan since XXXX and it was a XXXX XXXX I bought this car was illegally repossessedI am also writing the Federal trade commission and the attorney general of Floridawith copies of my credit report showing that closed my account in XX/XX/XXXX saying paid in full current I have enclosed a copy of my XX/XX/XXXX credit report showing that this account was closed and current and paid can provide copies of the other showing the same thing if needed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My attorney, XXXX XXXX, XXXX. has offered Select Portfolio Servicing ( SPS ) a short payoff amount of {$1.00} XXXX of what is owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, SPS has not presented a payoff letter. The representatives have been hateful to Attorney Gross and her paralegals. SPS representatives are hanging up on her staff rather than giving Attorney Gross an answer on the status of a decision. Secondly, SPS has requested the same paperwork over and over again for a year. Usually after 90 days, SPS will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note that SPS is requesting the same documents I had already sent. Next, representatives have made such comments as " we will wait to you go into foreclosure because SPS will get more money. Next, I received a letter encouraging me to do a " short sale '' -- which means SPS would accept a substantially lower amount from a stranger than my {$1.00} XXXX offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems - XXXX XXXX XXXX XXXX  account was not opened by me. was removed and then replaced back on my report. that's illegal. please remove. I am a victim of Identity theft.

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 2021-04-07 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: OH

Complaint narrative:
I have XXXX accounts from XXXX XXXX XXXX on my report that I had no knowledge or consent I would like them to be removed from my report because they are not mines. 1 account was opened XXXX XXXX the other 2 was opened on XX/XX/XXXX 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 2021-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2021, the IRS deposited some funds on my navy federal checking account, but navy federal only deposited {$1400.00} instead of the {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation