vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: WA

Complaint narrative:
I have an account on my Experian Credit Report that is inaccurate. It states that in the years of reporting the account, in ONE MONTH I was 90 days late. All months before and after were " on time ''. That is an impossibility. I have disputed the entry, and Experian stated they would investigate. I was told later that the investigation consisted of Experian asking the creditor if they were " sure '' about it. Of course they came back and said " YES '' ( so Experian says ), although the other two major credit reporting bureaus removed the entry. I asked for another investigation thinking Experian would take the investigation to a new level, but no ... they just asked the creditor again ( so they say ). 
Now they won't even listen to me, and they are spreading misinformation about my credit worthiness because they won't do a proper investigation. Can you please help me?

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I had about 5 cards with synchrony bank. In XX/XX/XXXX, I logged in to make a payment and saw that all my accounts were closed. I have never missed a payment so I called each one and they said it was due to " high credit risk '' which pretty much is saying they don't want people to have credit and are punishing the customers due to the COV-19 which is very wrong and should not be legal. People should not be punished for something they can not control like COV-19 just cause synchrony is afraid of losing money. This negatively impacted my credit score then the reps for synchrony XXXX, care credit, and PayPal credit told me to reapply.  They won't let me with paypal and with both care credit and synchrony XXXX they approved but then closed the accounts before I could even activate it. That added 2 hard inquiries along with 2 more closed accounts. Action needs to be taken. Synchrony bank can reopen my accounts they closed without my permission and also without notice or else they can refund the interest charges I paid this is not how you treat your loyal cardholders who have always been on time and never went over or close to the credit limits and I would NOT recommend synchorny bank to anyone and if this is how they treat their customers people should boycott them.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2020-05-11 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 2020-05-11 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was disputing an account with XXXX XXXX being reported on my transunion report. I have already disputed with XXXX  and XXXX and they have remove the account. Transunion is not complying to provide investigation results to show that the account has been validated. If they are unable to provide their investigation results then I am asking that they remove this account. 

I have included a screen shot of my current report showing XXXX XXXX account removed.

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 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
i have file more than once to the ftc about XXXX XXXX  using strong-arm tactics by scamming me, they lie to me about collecting money i have auto insurance with them and credit cards at the time. the XXXX XXXX  call me using my auto account saying i needed to make a payment, i was at work so i did but got home and call the auto insurance said they did not! i told they what happen and they gave my money back! i have a file with the federal trade commission on this but still, i get a monthly collection company from different ones trying to collect! they are scamming and used underhand tactics and have put my health into problems. a vet with XXXX and XXXX and on fix income what is going on i can not get any help at all. even the ftc complaints are no good in helping with this matter! i want this completely to stop this is not right!

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I request hardship help? XX/XX/XXXX. PHH mortgage services / Ocwen serving only offered Hardship Forbearance Plan for XXXX - XXXX XXXX at this date I will have to pay lump sum of {$2200.00}. I am afraid of losing my home because I will not be able to pay lump sum come XX/XX/XXXX. I had to agree because no other offer. Once again PHH / Ocwen is a predator servicing company. They never correct my escrow amount they are saying I owe {$130000.00} on my home I brought XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Weekly calls to my number for someone else. When asked " Can you stop calling me? '' the answer is " I didn't call you, we have a diah-ler '' and then they hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
LEXIS NEXIS CONSUMER REPORT ( Consumer Number : XXXX Case Number : XXXX ) IS NOT TAKING OLD INFORMATION OFF MY REPORT AND ALSO HAVE WRONG NAMES, ADDRESS AND DATE OF BIRTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

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 2020-05-11 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name

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 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Hi Im trying to refinance my apartment so wondering if I would qualify for any programs available. I requested a mortgage modification with SLS  so that could allow me to continue to make my mortgage payments. My loan was approved in XXXX. It is a Hybrid-LIBOR ARM with a floor of 9.7 % and a ceiling of 16.7 %. The current interest rate is 9.7 %. My monthly payments are {$1500.00}. In XXXX, XXXX, I became unemployed due to a benefits dispute between my employer and some of its employees. Since then, I have been XXXX and in XXXX, I decided to start up a XXXX XXXX XXXX XXXX. However, due to the start-up costs and complexity of the business, I was not able to generate any significant sales in XXXX. I also have not generated any sales in XXXX and the COVID-19 pandemic has significantly impacted my situation even further both professionally and personally as I am dealing with XXXX like lots of us. I recently applied for the Pandemic Unemployment Assistance ( PUA ) and Federal Pandemic Unemployment Assistance ( FPUC ) to help me with my monthly payments. However, my mortgage payment and condo fee will consume more than 55 % of this benefit. My credit score its excellent and they told me I would have to stop paying in order to qualify. I appreciate the time and hope to get a phone call with options if possible-THANKS AGAIN

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received my free credit report on XX/XX/XXXX and noticed that Equifax is reporting in error in public records chapter XXXX bankruptcy. I never filed chapter XXXX, I filed Chapter XXXX bankruptcy that was discharged on XX/XX/XXXX. I submitted a dispute to Equifax 3 times on XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX and asked them to remove the incorrect information. In response not only did Equifax not remove fictitious Chapter XXXX, they added verified date XXXX XXXX. So not only they did not remove the wrong information, they made it look as more recent bankruptcy. Equifax created a financial hardship for me and my family. I am self employed and my business depends on my credit. in the last 30 days 2 credit card companies cancelled my credit cards accounts and 1 reduced my available credit line. I tried calling Equifax multiple times, every time customer service representative told me that they do not see Chapter XXXX on my report and when I asked to speak to a supervisor, was placed on hold for a long time and then call was disconnected. I would appreciate if you can help to hold Equifax accountable for reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I reached out to my mortgage holder ( NewRez ) in XXXX of this year XXXX to request that they cancel my PMI on my home loan. I bought the house in XXXX and have never missed o r even been late on a payment. NewRez sent me an notice in the mail in XXXX of XXXX stating that they cancelled my PMI effective XX/XX/XXXX and that I should receive " New payment information within 2-3 weeks from the date of the letter. '' I have yet to received a new payment and or new payment information. 
On XX/XX/XXXX I called NewRez " Customer Care '' and spoke to an XXXX and explained the situation, she said she saw where the notice to cancel PMI had been mailed out but could not explain why there was no change ( deduction ) in my monthly payment?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Have a 30 yr fixed VA loan serviced by CMG mortgage. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by CMG mortgage. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to CMG mortgage in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: GA

Complaint narrative:
I have been reaching out to XXXX  and Experian about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of XX/XX/XXXX. Experian and XXXX   told me they verified with a company but I sent a letter in XXXX with method of verification to both experian and XXXX  and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.

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 2020-05-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To reiterate my chief points/complaints to the CFBP regarding the subject bank : 1 ) The company sent a letter, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and, the letter arrived several weeks late, well after their original reply-by request date. 
2 ) Upon receiving this significantly delayed letter, I replied immediately and appropriately. 
3 ) The company has declined to offer any forbearance for the extremely challenging environment we find ourselves in, nor does it acknowledge the simple fact that likely its own processes were delayed and contributed to my inability to receive its original correspondence and respond promptly.

4 ) The company, by failing to mail this critical correspondence in any traceable form ( no doubt to save expense ), has lost all ability to assert strict timing deadlines, as it can not prove when it was mailed, nor when it arrived to me. Let alone that this mailing occurred during a time of national crisis and substantial delays to mobility, access, and processes. 

Please see attached longer form explanation of the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Myself and another person was on original title. The other person took out a loan with XXXX XXXX. Somehow in XX/XX/XXXX wilshire paid XXXX  XXXX And said i am the one who got the loan. How is that i didnt have a job at the time. I also have never received XXXX. The other person receives XXXX thats why XXXX  XXXX was able to give loan. They recently repossessed my truck on XX/XX/XXXX. I am an essential worker i use my truck to get to and from my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.

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 2020-05-11 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: NY

Complaint narrative:
I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I took a look at my credit report and I have noticed false and incorrect daya reporting 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 2020-05-11 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: CA

Complaint narrative:
Have a 30 yr fixed VA loan serviced by XXXX XXXX. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by XXXX XXXX. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to XXXX XXXX in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: MS

Complaint narrative:
I took a look at my credit report and I have noticed false and incorrect daya reporting on my credit report.

Company response to consumer: Closed with explanation