vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL

Complaint narrative:
I have been dealing with Simmons Bank for over 2yrs to close a HELOC that should have been closed in XXXX ( it's XXXX! ). Simmons Bank held both my primary mortgage and HELOC in XXXX, TN from XXXX. The local team who handled all my banking needs were excellent. They provided support that I felt was above and beyond what I've experienced dealing with numerous banks over the years. During my XXXX career I moved 12 times and have owned many homes in the process so have some experience dealing with banks. I sold and closed on the home in late XXXX at which time both the HELOC and primary mortgage were closed out. In the year following the closing of the property I received several blank HELOC statements and made numerous calls to Customer Svc to ask them to close out the line of credit. On every occasion, I was told it would be handled. In XXXX during a refinance on my current home, I was informed from my lender that I have an active HELOC at XXXX. I called Customer Service and once again was told it would be handled and they asked me to sign and forward a form to complete the process. I immediately signed and forwarded the form. Today, XX/XX/XXXX, I receive another statement and late fee for my XXXX annual fee ... yes people, you can't make this up! I called immediately and spoke to a Customer Service rep who couldn't assist me but wanted to put me in touch with the local branch that I dealt with back in XXXX. I asked to speak with a Supervisor and was told she wa n't permitted to do so. She asked for my contact information to have the Loan Officer reach out to me which I provided. I asked for the Loan Officer 's name and number which she informed me she could only provide their first name. Now that's customer service!! At this point, I'm concerned about their poor administration and handling of this matter. Especially since they are showing a late payment and likely may or have reported to the credit agencies. So, impact to my credit rating? Let alone, there's a HELOC in my name against a property I haven't owned in 2 1/2yrs which could easily be subject to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TX

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 havent received 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 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My account with Wells Fargo was placed in forbearance or trial plan by mistake in XXXX, twice. First week of XX/XX/2020, the account goes into forbearance, payments are not accepted based on a problem with Wells Fargo systems and then the account goes out of the plan. Later, at the end of XXXX the account goes again in forbearance and I had to call Wells Fargo once again to get it removed. They finally did this on XXXX  XXXX. I spoke with several representatives, the last one being XXXX XXXX ( direct line XXXX extension XXXX ) who after several phones told me on XX/XX/XXXX that he got approval to issue a letter stating that the account was placed in forbearance by mistake and that he was only waiting for the legal department to approve the language of such letter. After waiting for a week, I spoke again to XXXX. XXXX on XX/XX/XXXX, who informed of the decision by Wells Fargo to not provide such letter. This situation has generated significant issues on my side, as other lenders are now reluctant to provide any financing until the situation gets resolved or some time goes by before they are wiling to look at my applications again. The major issue here, other than the account being inadvertently placed in forbearance is that Wells Fargo continue to mislead customers telling them that accounts entering forbearance during covid19 will not impact credit scores, but they massively fail in disclosing that credit score agencies will still be informed about the situation and that a note on the report will indicate that at some point, the account was in forbearance. Even if this does not affect scores, it DOES affect customers with an impeccable record of never having missed a single payment or liability in their whole lives. Wells Fargo continue with their old practice of misleading customers. A smart lender will always look through scores and if there is anything else on the report that could be a cause for concern, then its reasonable to believe that a note on the report such as the one Wells Fargo has now created on mine, could become a big issue to me in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not consent to authorize nor benefit from the inquiries

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 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 havent received 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 2020-06-01 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: TX

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 havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was in a bad place just starting job and needed money but due to bad credit I was able to get a XXXX dollar loan from Ace Cash. I was able to pay in full the first time but it left me short of rent, which meant I took out second loan at same amount to pay rent. I was unable to pay due to unexpected medical expenses and being a single father paying child support on one child and supporting the other as well as paying bills by myself it has left me in a tough position to pay back. Ace Cash started calling and I tried to find a way to pay them back incrementally without leaving me and my children homeless just to pay them back on a XXXX dollar loan. They started calling me on my work phone threatening to contact my supervisor and apprise him of situation, which has nothing to do with my supervisor. I tried explaining what amounts I can work with and they refused to make an acceptable amount and they were making me commit to a XXXX dollars every 2 weeks for the next 18 months. So now from XXXX they have gone to XXXX, I have tried a few times to have them if I don't have it to give at this time what am I supposed to do. I can do incremental payments of XXXX but not every check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am trying to get my free annual credit report with Equifax. The on-line form asks for a middle initial. I don't have one. It won't let me leave it blank, and there is only space for one letter so I can't put N/A or no middle name. 

I have spent an hour on the phone trying to call them. I pushed 1 and 2 and 3 and gave my social security number, etc. very obediently. Finally, they simply hung up. Back to square one. 

I tried contacting them electronically, but the middle initial issue stopped me again. I don't want to mail my request in with a copy of my driver 's license, etc. Too much trouble. Takes too long. 

Can someone tell them to allow for no middle name on their on line form? What else can I do to get my free annual credit report from Equifax? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Around XX/XX/XXXX, I had computer problems, so I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ext XXXX ) XXXX and XXXX was helping me. I gave him remote access to my computer and paid via Amex. I saw him working on my screen. I do not know if this repair was related to the XX/XX/XXXX fraud or not. XXXX continued calling me after the scam, but I did not reply and blocked his number. 
On XX/XX/XXXX I had an email from XXXX saying that I was hacked and told to call XXXX. The man who picked up identified himself as XXXX XXXX at XXXX headquarters in XXXX, Washington. He accessed my computer to help fix the malware. He gave his XXXX extension : XXXX ext XXXX. 
He was controlling my computer, and I could see code/spreadsheets and on the bottom words American Express, my name, my wifes name, and our account numbers. He said that our AMEX accounts were hacked and that he must connect me with an AMEX Fraud Department. 
XXXX from AMEX introduced himself, and my phone displayed the same number as on my Amex XXXX. He said that there is a fraud charge of XXXX ( XXXX on mine and XXXX on my wifes ) on our account ( later, we checked, and this was not true ). I was then asked to help work with Amex on the investigation to catch hackers, and I agreed trusting that Amex was secure. 
He asked that I do not reply when family calls me and that my wife does not use phones at home as anyone who speaks with me will be jeopardized. I was asked to go to XXXX at XXXX XXXX XXXX in XXXX and instructed to use the Amex card to buy XXXX worth of gift cards to help catch the hacker. 
When I asked for a XXXX gift card at XXXX on XXXX XXXX, I was told that only a XXXX single card could be dispersed, so I bought it. 
The AMEX representative XXXX then told me to travel to XXXX XXXX XXXX, where I could buy two XXXX cards from two different salespeople. 
He sent me to XXXX store on XXXX XXXX, where I was able to buy 4 x XXXX cards without any questions from XXXX salesperson, and another one for XXXX to cover fraudulent charges on my wifes card. 
He asked me to give him ID/access to those cards. I complied. 
While this was happening, my wife received an email asking if we approve these purchases. She clicked NO, marking it as fraud, yet she still received a confirmation email of purchases. She was distraught unable to reach me for hours. She called XXXX, thinking that I was in danger of being forced to make withdrawals. 
When I came home, I met with the police and saw that gift cards were emptied. I realized that I was scammed. Phone calls kept coming. I was no longer picking up as per police instructions. Often it was my own number that was calling me. My daughter blocked all those numbers hackers were using, plus robocalls, and calls that have no caller ID from coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2020-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
As part of the CARES act, I submitted a request for forbearance on XX/XX/2020 with my loan servicer, Loancare, part of XXXX. The email confirmation said to expect a response within three days ( see attached ). As of XX/XX/2020 ( 42 days later ) I still hadn't heard a response. I tried filling out the application again since I was now coming up on the second mortgage payment since I initially applied. Still no response. 

On XX/XX/XXXX, I used Loancare 's web-based form to request a response from customer service. As of today ( XX/XX/XXXX ) I still haven't received a response to either the application or the email. I tried calling as well and used their automated system to request a callback. Their system said it would be approximately a 10-minute wait. Six hours later I'm still waiting for a call. 

Clearly this is unacceptable and, while I'm sure they're inundated with requests, 2-months to respond to cases of financial hardship is simply unacceptable. Please help me get a response. 

Thanks, 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 2020-06-01 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: NV

Complaint narrative:
I am in the process of making a big purchase and I noticed there are several accounts on my credit report that I have never opened

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 2020-06-01 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: Source Receivables Management LLC
State: IA

Complaint narrative:
Got a pay for delete and it wasnt deleted. 

I recently did a pay for delete on a debt for XXXX on XX/XX/20 in the amount of {$660.00}. I called them to ask for a deletion under the instruction of a credit advisor for XXXX XXXX who was helping me get my credit up for my first home and needed some stuff removed. 

After explaining the situation to them and why it went to collections to begin with they stated I do qualify for deletion. The company was Source Receivables Management. 

I paid {$670.00} in full and received a letter from the this collection agency confirming it has been paid in full and that they have submitted for deletion to all credit bureaus they reported to. 

It was never updated or deleted though. I submitted a dispute through XXXX to have it deleted and included the letter from the collection company stating that it is to be deleted. 

But XXXX  didnt delete it, they just updated it to a {$0.00} balance but left the collection still on there which I couldnt have. They gave me a notification that the information I disputed has been verified and so was left on my report, even though I presented the letter straight from the collection agency stating otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection has failed to provide me with proof that I owe them debt of {$1400.00} even though I have requested this proof months ago and still have yet to receive it, now they have marked those collection accounts as late payments causing my score to decrease without ever verifying that I owe them the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company : Bank of America Date : XX/XX/2020 Person ( s ) Involved : XXXX ( NMLS # XXXX & XXXX XXXX ) Issue : Pretextual Discriminatory Mortgage Policies in XXXX & Low Income Areas : Bank of America has internal policies and procedures that essentially excludes millions of potential homeowners through discriminatory policies : The policy indicates that properties in certain areas, a XXXX credit score is required. 

I inquired about a relatively inexpensive property of XXXX of which XXXX said 25-30 % would be required. I have the 30 % available in my checking account now and a XXXX score according to XXXX XXXX, yet XXXX indicated I have a of XXXX score. That said, XXXX immediately refused to provide alternatives or options and consistently demonstrated his unprofessional behavior for a BOA customer of 17 years. 

The Bank of America policy of XXXX or above credit scores seems quite discriminatory in that the particular area has the following factors : XXXX very low income, 2.a distressed area, 3. predominately XXXX and 4. public search indicates that a low percentage of people in that area have a XXXX or above credit score and state would qualify to purchase an investment or regular residential property. I cite discrimination based on the above factors. It essentially excludes the potential for home ownership. 

This policy excludes the potential for new XXXX and XXXX homeowners and landlords interested in rental properties. 

I have checked XXXX  and XXXX  and I have a score of XXXX in both cases. Even still, the analyst I spoke knows that I have 100 % on time payments and a 30 % down payment available. Will a XXXX person always be prevented from being landlord or investment owner based on pretextual policies put forth by BOA? 

How can the complaint be satisfactorily addressed? 
Implementation of Non-Discriminatory Mortgage and Finance Packages and options. Providing alternatives.

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 2020-06-01 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: IL

Complaint narrative:
I contacted to asked why my credit score dropped from XXXX to XXXX after settling a bill and the representative could not explain why. I advised him that I review my credit report monthly as I am a divorcee who has been working towards getting my credit back in tack. So I've been paying my debt off over a per of four years. So I'm watching my credit. He stated per his investigation he found some other outstanding collection information on my credit. However, the information he provided was already there and has been for several years. It was not the root of the problem. Those are the accounts I am paying off. The two collection items for {$990.00} and {$210.00} were already fractured into my credit report. 
The representative could not explain to me why my score dropped instead of increasing as it did with the other two credit bureaus. The representative then when on to tell me that I can get the information free if I sign up with my equifax. I am glad they have a program but he did not solve my problem. I want to know why my credit score went down and did not increase once I settled my bill. It appears that someone made a mistake and they are not trying to fix there error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$110000.00} XXXX  XXXX {$110000.00} XXXX  XXXX {$25000.00}

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