vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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:
I've been a victim of identity theft and i still noticed the fraudulent accounts appearing on my credit report.

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 2020-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( XXXX XXXX ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

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 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Company has been unwilling to provide electronic and mailed statements since statement date XX/XX/20. We have asked for this information on 4 occasions : Once by email ( their online form ) - No response. Three times by phone. Our first phone attempt, the  representative said that " You know what to pay - You don't need a statement ''. They have admitted that the statements are not available for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
Healthcare Collection LLC is reporting a collection account on my credit report. Ive contacted this company in the past and advised them I dont have an account with them and have no knowledge of this debt. I requested verification of this debt and never received anything from them. Ive contacted the original creditor listed on my report ( XXXX XXXX  ) and they said they dont have any accounts for me under my name, SSN, or phone numbers. I do not have any account, contract, or business with this debt collection company and they have no right to report negative information on my credit report.

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 2020-05-06 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: GA

Complaint narrative:
I filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.

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 2020-05-06 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I found out my CashApp Cash care was lost. I immediately blocked my card via the mobile App, ordered a replacement card, and found out there were 17 unauthorized transactions on my account totaling {$2000.00}. These charges occurred between XX/XX/XXXX and XX/XX/XXXX. 
I immediately contacted Customer Support through the App ( as there was no phone number to contact customer service ). The response was I will be receiving an email in 48 hours. I received an email same day XX/XX/XXXX at XXXX PST requesting additional information about my claim, which I responded to on XX/XX/XXXX at noon. 
On XX/XX/XXXX at XXXX PST I received an email from cashapp support, requesting additional information. I responded same day at XXXX. 
At XXXX of XX/XX/XXXX I received a response denying my claim. 
When I questioned how 17 fraudulent transactions with multiple Merchants could be investigated and concluded in 1 hour 17 minutes, I was told my account has been closed and that I can re-file a claim. 
I asked again, why my claim was denied, and the response was that Cashapp did not get a response from me in over a week. That is not true, because I just explained the timeline and Ive email thread, with time and date stamp. 
I know you cant investigate 17 unauthorized charges from numerous Merchants in 77 minutes!

I also bought 12 company stocks through cashapp mobile app. When I asked whatll happen with my stocks in a closed account situation, I was told to sell my stocks and cash out. It is illegal to force someone to sell their stocks against their will ; and this is what Square as an organization is doing. 
I have since re-filed the claim and cashapp hasnt responded. Thus, making me seek help alternatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I was affected by COVID-19 and requested assistance from Credit Acceptance. Asked them to defer payments as per PA cares. They refused assistance, just kept asking for payment. They showed no empathy and did not even ask how I was affected.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MI

Complaint narrative:
I paid my XXXX XXXX XXXX bill through the Reliacard bill pay online on XX/XX/2020 in the amount of {$500.00}. According to Reliacards website It may take up to 2-5 business days for the payment to be applied by the Payee to your bill. On XX/XX/2020 XXXX XXXX still had not received the {$500.00} payment. I called XXXX XXXX CC to verify that they had not received the payment and was told no payment had been received or is currently pending. I then called Reliacards customer service ( XXXX ) at XXXX on XX/XX/2020 and was on hold for over 2 hours. The first person I spoke with was XXXX. I explained to her what was happening and she said she couldnt do anything to help so I asked her to connect me to someone who could. She connected me to a supposed supervisor named XXXX and he gave me several different reasons why the payment had not been received. First one was, the payment had not been processed yet and to give it a couple of more days. I told him Put a stop on that payment and credit my account back. He then said Nope, it has been processed and I should give it a couple more days. I explained to him what Relaicards  site said about 2-5 business days for the payment to be received. He then said to me I could cancel the payment online. I told him you can not cancel the payment on line after it has been processed. He told me to go to their site and he would walk me through. I went to the site and he told me to go to cancel payment button. I explained there is no cancel payment button and that the site says To Cancel a Scheduled payment, select Cancel. This was not a scheduled payment and the payment had already been processed. I believe he realized he was wrong and without saying anything, he hung up on me. 
This morning XX/XX/2020 I called back and waited over an hour. I spoke with XXXX and told her what happened on the last call and in a very rude voice she tells me According to our records you hung up on him. I wasnt going to argue and told her to put a stop on that payment and issue a refund to my account. She said ok, anything else? I said can I have a confirmation number for the canceled payment? She told me my CC ID was my confirmation number and hung up. 
Your help is this matter would be greatly appreciated. 
Sincerely, 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 2020-05-06 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: AL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: ME

Complaint narrative:
I was referred to XXXX XXXX @ loanDepot On XXXX I applied for a loan with loanDepot because I XXXX told me he could lock my rate in at 2.875 %. I e-signed all documents and sent in required documents for underwriting. I received a commitment letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX called me on XX/XX/XXXX to let me know he was leaving the company and that XXXX XXXX ( processor ) & XXXX XXXX ( manager ) would be assisting me to closing. Then I received another XXXX to e-sign changing the the loan terms to a 30 fixed with a higher interest rate of 3.25 with {$11000.00} in points NOT WHAT I SIGNED UP FOR. I was told the product wasn't available due to the economic crisis caused by the corona virus. I feel this a bat & Switch and would like help getting what was promised to me in the commitment letter I received.I asking XXXX XXXX how they could lock my rate in & give me an approval letter & then change their minds after I gave them everything they requested and paid for appraisal. He said he would get me the 2.875 % on the XX/XX/XXXX arm but needed just few more item on the XXXX of XXXX. I had to pay my accountant to get the last items he said they needed to get my loan closed. I got him everything the next day Friday XX/XX/XXXX. On Monday of XX/XX/XXXX he sent an e-mail stating he's been beat up enough on my loan and wasn't going to do it but having said that he found someone that could. He wanted to e-mail all my income and asset documents to some guy at another bank. I said no and asked XXXX XXXX to help me at his new company. 

I have done many mortgages and business transactions and have never been treated so unprofessionally. No return call lies & failure to follow the practices required to be a loan office with regards to issuing proper notices handling of my personal document. 

He's actions cost me around {$5000.00} so I did ask him to reimburse me he as yet to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We obtained a second mortgage with SLS Specialized Loan Servicing when we purchased our home in XXXX. Two years later in XXXX property values started to decline and mortgage companies started to go out of business which lead to losing my job of 10 years. They were extremely difficult times for my family financially and emotionally. We started to fall behind with our bills and our mortgages. I was able to modify my first mortgage lender. I continue to fall deeply behind with our second mortgage with SLS. We tried to modify the second mortgage several times after we felled behind but SLS would not work with us and gave us the run around. Through the years I tried again to modify not knowing who can assist us. We did not receive phone calls from SLS for a few years. Not until a year ago or so when property values started to increase, we have aggressively been receiving letters requesting large amounts of money to bring the loan current, money that we do not have. We also received many letters stating different options SLS offer to help us with our situation. It was very confusing what the letters meant. We understand that it is a debt we still owe, so I reached out to SLS in XX/XX/XXXX and was connected to my contact Relationship Manager XXXX. I gave him my information and told him I was reaching out for assistance, in a I do not care manner he said Sorry its too late these words to date are heartbreaking. After that call we continue to receive letters, we were not sure if we should reach out to SLS again. Amid COVID-19 pandemic SLS filed A Notice of Default on XX/XX/XXXX. We were devasted not fully understanding what was going on. We want to stay in our home, my XXXX XXXX live with us and I take care of them full-time, there ages are XXXX and XXXX. Out of despair we went online and submitted a request for a loan modification. To my surprise we received an offer, we were shock because XXXX our Relationship Manger had told me back in XX/XX/XXXX that it was too late. The 3-month trial offer comes with the condition we give a down  payment of {$49000.00}. On XX/XX/XXXX I express to SLS that we do not have the down payment and to add the money we owe to the balance of the loan. XXXX has been very rude and has stated that we must have the down payment they have requested, if we do not provide the funds the house will be sold. We asked for XXXX manger and they both gave us the run around. My husband is XXXX years old and his hours have been decreased because of COVID-19, we can afford the trial payment, but we do not have the down payment. We are living in a time of uncertainties, it is worse times now then it was for our family in XXXX, lending institutes need to reach out and help homeowners.

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 2020-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am being told that I have a late payment. This is false .... I have never made a late payment on this car ever. I reached out to the finance company but they never seem to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: STATE FARM BANK, FSB
State: NC

Complaint narrative:
XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR STATE FARM ( XXXX XXXX ) STATE FARM has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX  credit report numberXXXX XXXX ON XXXX XXXX XXXX XXXX XX/XX/XXXX credit inquiry stating for UNDERWRITING INSURANCE PURPOSES FOR XXXX XXXX ( LEXIS NEXIS ) XXXX XXXX has denied this. 
My identity theft. IS reg with FTC XXXX XXXX XXXX XXXX XXXX GEORGIA I REQUEST ENTIRE CREDIT INQUIRY AND WHAT ADDRESS WAS GIVEN Also XXXX  XXXX INCORRECT WAS REMOVED AND THEN ADDED BACK ON MY REPORT remove it asap please My identity thief uses this address Be safe

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any results.

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 2020-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect  that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 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