vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I deserve communication from my mortgage loan servicer. My previous correspondences XX/XX/XXXX Hardship Letter XX/XX/XXXX Re : Request for Forbearance on Mortgage Loan XX/XX/XXXX Re : Request for Forbearance # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Payoff Statement Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX QUALIFIED WRITTEN REQUEST forbearance XXXX XXXX XXXX XXXX XXXX - email XX/XX/XXXX XXXX documents Loan Modification Request XXXX XXXX XXXX XXXX XXXX are still unanswered. The passage of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act stipulates that every borrower who attests that they have been directly or indirectly impacted by the COVID-19 pandemic, regardless of delinquency, is entitled to a forbearance plan. Additionally, since XXXX, the federal Real Estate Settlement Procedures Act ( RESPA ), as enhanced by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, and its mortgage-servicing rules have given borrowers a bill of rights to protect them in their interactions with mortgage servicers. Mortgage servicers are also required to exercise diligence in investigating and responding to a borrowers properly prepared notice of servicing error. 

XXXX is the servicer of my mortgage loan on the property located at [ XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. My loan number is XXXX The loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency and request forbearance on my mortgage loan under the CARES Act for 360 days. See Attached COVID-19 Hardship Declaration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: MD

Complaint narrative:
Upon review of my FICO with XXXX  XXXX XXXX, with no delinquent payments and excellent credit. My credit score dropped an unimaginable 24 points at once!!!!! The justification stated that the change in score was due to " lack of auto loan and installments, '' I paid off my auto loan with XXXX in XXXX ofXX/XX/2020. This is totally unacceptable and not fair. I've been penalized in the past for paying off balances in which my score would drop by 7-8 points. This decline in score puts my rating at XXXX. It's frustrating and totally unfair to be reprimanded for doing the right thing in not accruing any debt. XXXX said it's the credit company TransUnion, and TransUnion sent me back to XXXX each pointing the finger at the other. My anxiety level and XXXX XXXX increases at the thought that in doing the right thing by ensuring I don't carry debt I get punished for paying off my bills. In this environment I don't want to worry about owing money especially with me managing my spending I can use savings to assist someone in need. 
Please help in to understand how this continues to happen to me, that my score changes on such a consistent basis and i refuse to take out unwarranted loans or credit cards i don't need. Thank you for any assistance you can provide.

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 2021-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Lost my job due to Covid. Applied for forbearance under the Cares Act. The mortgage companys website states that one can apply for streamline refinance while under the forbearance plan if the loan is FHA or VA. Nowhere on the website states that one has to be off of the forbearance plan and have had made 3 on time payments to be able to refinance. I am including screen shots of Freedom Mortgages website that says if you are thinking of refinancing while under forbearance ... but when I called them to do this, they tell me no, you have to be off of forbearance. One of the main reasons I went under forbearance was to be able to refinance WHILE under the plan and be able to lower my monthly payments. After all, forbearance is to suspend payments you can not make and does not make sense to have to get off of the plan, have to had made 3 on time payments to THEN apply to lower your monthly payments?

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 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Equifax Credit Bureau regarding an item on my credit report being removed. The customer service rep told me that the account in question, a XXXX XXXX loan from the year XXXX, was closed and would fall off my credit report XX/XX/XXXX. I called again on XX/XX/XXXX as the item was still on my credit, I was told the XXXX account was still open and would not fall off, this despite the fact I was on the Equifax website and could see the account listed as closed. I asked to speak to a supervisor, I was on hold for 32 minutes and then I was disconnected. I called back on XX/XX/XXXX, spent 50 minutes re-explaining the situation and having the rep re-investigate my concern. He confirmed the account was closed but couldnt explain why it wasnt removed. I asked to speak to a supervisor, one wasnt available and he told me a supervisor would call me back within 15 minutes, they never called. I called again on XX/XX/XXXX spent 45 minutes explaining again, rep confirmed the same information as the last one. He asked if I wanted him to file a dispute with XXXX I had already told him that Ive been disputing this for the past seven years with no luck it was as if this rep had not really been listening to my concern. I told him that per the Fair Credit Act if a creditor lists an account as closed, it shows on the credit reporting bureaus as closed and it has been on the account for seven years it should be removed BY THE CREDIT REPORTING bureau. I also informed him the other two bureaus have already removed the item from my credit without me having to call and waste endless hours on the phone with them, I asked to speak to a supervisor and was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: AmeriCollect
State: SC

Complaint narrative:
AmeriCollect is reporting on my credit. I sent them validation of debt letters they sent me copies of my so- called hospital bill. This is indirect violation of my Hippa Rights, I never gave them permission to access my medical records. Nor did I sign a consent authorizing such behavior. They also didn't properly validate this so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Recovery Services, LLC
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: TX

Complaint narrative:
SunTrust Mortgage began collecting escrow without notifying me. They then put 5 months of P & I payments into a " suspense '' account and reported me as {$13000.00} behind in payments. I never missed a P & I payment and they never communicated to me that they began collecting escrow ( for flood insurance ) or that my account was considered multiple months past due. Only after I called to get my 1098 tax form did they inform me they were collecting escrow and that my account was past due.

The entire issue was SunTrust 's fault for not communicating escrow requirements to me. I filed a previous complaint and they finally looked into the issue and admitted fault for not communicating. They corrected all my payments and refunded late penalties, but, for some reason not clearly explained, they refuse to correct my credit report and claim that it is accurate.

SunTrust is basically holding my credit score hostage to prevent me from refinancing the mortgage as rates are at record lows.

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 2021-03-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX I purchased two Airline tickets and travel insurance with my American Express card. One ticket purchased on website XXXX for {$740.00} ( XXXX  ) and Travel insurance recommended by XXXX -Generally for {$55.00} total= {$790.00} Second ticket was purchased from XXXX for the amount of {$130.00} ( XXXX  to XXXX ) BOTH COMPANIES AT THAT TIME HAVE ADVERTISING : '' DUE TO COVID-19 FREE CANCELATION, FREE RESCHEDULING " At the time of purchase No restriction on travel to XXXX! 
On XXXX! XXXX ( Friday ) country of XXXX introduce RESTRICTION on travel for all travelers including US. 
WITHOUT NEGATIVE COVID-19 TEST NO ENTRY!!! starting XX/XX/XXXX. 
My Original travel date was XX/XX/XXXX schedule to arrive in XXXX next day XX/XX/XXXX. It was NOT possible to get test done in such short period of time and weekend!!! It was Not possible to board flight going to the Country that require Negative covid test without HAVING ONE! 
I called JUSTFLY immediately and explain situation i was assured that is going to be ok to reschedule but THEY START PLAYING ME COUPLE OF DAYS AFTER THAT with contradicting emails!!! 
XXXX XXXX newer return my email!?? 
Generaly ( Travel Insurance ) DENIED MY CLAIM! 
American Express DENIED MY DISPUTE!? 
I contacted ALL above mentioned companies numerous times in XX/XX/XXXX, XXXX, XXXX and XXXX of XXXX submit COUNTRY OF XXXX official website announcement of restriction with dates to prove that IT WAS NOT POSSIBLE FOR ME TO TRAVEL AT THAT TIME but no luck!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
I have contacted the mortgage servicing company 4 - 5 times to get them to report my timely payments to the credit bureaus but they respond with I must reaffirm a loan with the bankruptcy courts. I have not been in bankruptcy since XXXX and received a new loan on XX/XX/2017. My attorney has contacted them and informed them that Colorado does not re-affirm mortgages but SPS Servicing continues to send generic generated letters that I need to reaffirm my mortgage. The bankruptcy courts are informing me to contact my attorney and round and round I go.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I opened a dispute with Experian regarding an account on my credit report that had been closed for many years and was negatively effecting my credit. As of XX/XX/XXXX the item had been on my credit for seven years and qualified per the Fair Credit Act to be removed from my credit report. Experian sent me a rejection letter stated the item would stay on my credit until XX/XX/XXXX, which would make it nearly nine years on my 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 2021-03-29 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: MA

Complaint narrative:
Dear XXXX XXXX Acct # XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on my credit report and {$18000.00} balance for this account from XXXX XXXX. I got into a car accident a couple of months ago and my insurance and gap insurance said that they already paid off this debt. So why is it still reporting delinquent remarks and inconsistent with the data. You continue to report incorrect, inaccurate, and erroneous information and i want this deleted from my credit effective now. It's my understanding that you are required to keep valid, and 100 % accurate information about me into your system, but i can tell you that you're wrong and unverifiable information because i'm not liable for this account. Delete now

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
this company have pull up my credit report hard pull without me knowing on XX/XX/2021 i asking them to clear my credit report by sending a deletion letter to all 3 credit reports because i never request anything related to them if someone did it it is not me that fraud i call them on the phone they refuse to delete it saying they can not do because there are not sure i am the real me i call them four time they told me that i have to contact experian but experian asking me to call them i have enough LAST TIME THEY RESPOND AND SAID THAT IT IS NOT THEM THIS THEY ADRESS AND PHONE NUMBER AS IT IS ON MY REPORT Contact info XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX ( 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 non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management XXXX & XXXX ( used a law firm named : XXXX XXXX XXXX ) and sued me and received a judgement for an account that was included in a Police report because that account and amount were fraudulently opened. Amount on record is XXXX!! I forwarded the companies both of them repeated copies of the Police Report # XXXX. Both companies have harassed me contacting me and being very rude. They will not tell me yes they received the information! They went to court and placed a Judgement on my personal credit!! I have the police report that NOTATES this account is FRAUD. I NEED help, because XXXX & XXXX and XXXX will not remove this collection account even after I sent in the official police report! Please help me I just tried to contact All bureaus but they will not remove this collection / judgement accounts from my credit. How can they legally sue me for something already been proven as Fraud??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear Capital One Bk ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX XXXX. I was so angry and upset that i end up closing and paid off the entire balance. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: CURO Intermediate Holdings
State: DE

Complaint narrative:
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as XXXX charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Ref. : Requesting restitution in the amount of {$72000.00} pls. due to hacked account I am a XXXX XXXX! 

Hello Mr. XXXX : I am a Sr. Citizen and need your help pls. pls I have had an account for some time at XXXX. 
Sometime between XX/XX/XXXX and XX/XX/2021 my Coinbase account was hacked and the following assets were stolen/ misappropriated : 0.999 BTC-USD asset valued at {$52000.00} approximately Cash balance in the amount of {$19000.00} I am humbly requesting Coinbase XXXX your help in making the restitution for the full amount ( {$72000.00} ) to my account please, please!! 

Would you please have Coinbase respond to my letter in writing by XX/XX/2021. 

Thanking you in advance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX Preferred Service Agreement ) with the lease of my brand new XXXX XXXX XXXX. It is my belief that the company that runs this plan is a complete fraud and is purposely refusing to fix damage that is covered by the plan that was purchased. I have called XXXX XXXX on numerous occasions and have been given the runaround. It is my belief that this company is taking honest customer money with the intent to never pay on a claim. This product should never be sold with vehicles if it is criminal in nature. The contract is predatory in nature.

Company response to consumer: Closed with explanation