vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
We are in the process of purchasing a new home. Our mortgage company requested a Verification of Mortgage XXXX XXXX XXXX from a previous loan under Specialized Loan Services ( SLS ) Company. The VOM came back reporting 4 delinquent payments. These payments were all under the federal Covid forbearance program. The VOM does not have any dates to show these 4 payments were covered under that. The VOM does not qualify anywhere that these were approved missed payments. The VOM gives no mention the loan was even in forbearance. The underwriting Department for our new loan is insistent that SLS change the VOM to be accurate. SLS is insistent that they can not change it and have no way to add anything to it or even easily send a letter of explanation to go with the VOM. The only remedy SLS said we may have is by writing to them via post mail and wait for an answer. By then we will have lost the home and earnest money and all expenses to date we've invested in this new home purchase.

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 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have attempted to reach out to Transunion, XXXX, and XXXX  regarding this bankruptcy on my account but I have yet to receive a response regarding this information or how this information was pulled and put onto my credit report. 

I sent a letter regarding this information XXXX XXXX and still no response.

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 2021-08-13 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.

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 2021-08-13 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: GA

Complaint narrative:
My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I received a credit alert on my credit report. I now just check and find this company called AmSher Collection Services , Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al XXXX Tel ( XXXX ) XXXX on my report, had thrown me into collections. I have never heard of them. Never received any correspondence from them what so ever. I look at website and it first ask for last 4 digits of my ss number. Please note I was robbed in 2019 and my info was used and again in 2021my information was stolen.

I reported this last time my info was compromised through a company called Biz2Credit to the office of Inspector General and I have a letter from them acknowledging my complaint.

I am not sure if this company is connected to some random company that called my parents house last week demanding they pay my debt, but my parents are elderly so they just hung up scared.

Please help me. We are in the middle of a resurgence during a pandemic I am broke trying to rebuild last thing I need in my credit score going down lower and this company already did that. I tried calling them and they hung up on me when I refused to give ny social security number. Please I beg of you to help me. 

Please note my new address is XXXX XXXX XXXX # XXXX XXXX XXXX New York XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Sir, My XX/XX/2021 fixed-rate mortgage balance was {$35000.00} .I made a payment of {$590.00} in XX/XX/2021 which has been applied. Based on a simple interest rate of XXXX the interest deduction by Rushmore should be about {$140.00} and my principal should be about {$400.00}. My current balance should be about {$34000.00} not {$34000.00} as Rushmore has in their statement. As always I have asked them to correct this to no avail. I am not owing them an other money. Attached are printouts from their statement. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My mortgage was purchased by Pnc bank. The mortgage is is due the first of every month .. and I have a grace period until the XXXX I set up via Pnc online to have it drafted on the XXXX today on XXXX XXXX .. I get a call from PNC as an attempt to collect debt.. that I have paid my mortgage payment the call was harassing.. and I asked dont you see that I am set up to draft on the XXXX the individual said no he doesnt have access.. the call was harnessing.. I had to spend another half hour to confirm my mortgage is setup.. thank Gd I have always paid my bills on time..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This debt was the result of a billing error. I was employed by the original creditor and received courtesy services billed for free. When the servicer of the contract tried to bill me I cancelled the service. I have submitted proof of the cancellation repeatedly and still the debt continues to be claimed by third party collections agencies. I previously notified and provided proof to this claimant but they have submitted the information to my credit file and again damaged my creditworthiness and score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: GA

Complaint narrative:
My identity was used with my knowledge and the report credit companies keeps reporting the information. Even though I stated its not Valid! The law says nothing can appear on my credit unless I have validated it! I keep disputing the same items, because they are invalid!

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 2021-08-13 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: GA

Complaint narrative:
I have sent multiple disputes to transunion for reporting a XXXX XXXX credit card that does not belong to 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 2021-08-13 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There is a hard inquiry/credit pull on my Experian Report for XXXX XXXX for XX/XX/2021 which I did not authorize, I did not approve. I didn't apply for credit with them at this time. This need removed from my report! I filed a formal dispute with Experian but they said they couldn't resolve the dispute and the hard inquiry remains. 

Initially I had applied for credit with XXXX XXXX on XX/XX/2021 and they pulled a hard inquiry on that day which is fine. However, it appears they pulled it again 8 days later by mistake. I only authorized one hard credit pull/inquiry for XX/XX/2021. I did not authorize the hard pull/credit inquiry on XX/XX/2021. I only applied for credit with them one time on XX/XX/2021. I didn't apply for credit on XX/XX/2021. 

In closing the hard pull/ credit inquiry for XX/XX/2021 needs removed from my Experian Credit Report as it wasn't authorized by me. I didn't apply for credit twice with them in an 8 day period. I only applied for credit one time. Please remove the credit inquiry for XX/XX/2021.

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 2021-08-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-08-13 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: LA

Complaint narrative:
I am reporting identity theft. I pulled my credit report and noticed I have items and accounts that are fraudulent and I am requesting for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
This company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX  REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' 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 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MA

Complaint narrative:
There is a collection reporting in my credit that was just reported that is a result of Identity theft and someone using my personal information. 

I tried reaching out to the company and letting them know and also disputed the account with XXXX  and they continue to try to collect and damage my credit. the account number is CAPIO PARTNERS LLC Original creditor : XXXX XXXX {$590.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$590.00} {$590.00} Payment Info Original balance {$590.00} Balance {$590.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2021 Additional info Comments Account information disputed by consumer Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX. XXXX XXXX MN XXXX On XXXX XXXX, 2017, Jefferson Capital Systems LLC. added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$2900.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Management Solutions LLC
State: MN

Complaint narrative:
To whom concerns, My name is XXXX XXXX and I been recovering repeated phone call from the above phone number with in Minutes. Also the Debt Collector calling a family member asking her to return the call. Leaving a voicemail on a 3rd party cell phone. This is harassment and violation of the FDCPA. The 3rd Party call me worried about someone calling and trying to locate me when they have my phone number and address. The reason I didnt answer is because my phone identified the number as a spam risk. Plus I work. I have records of all the information by your request. I have only received 2 messages from the girls calling me. The 3rd part phone number she call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Kashable LLC
State: PA

Complaint narrative:
This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pentagon Federal responded saying that they received notice of bankruptcy filing for my Auto loan on XX/XX/2021. That account was not included and I have attached the discharge documentation. While PenFed was paid off prior the bankruptcy was filed XX/XX/2021. PenFed was not included. The vehicle was sold on XX/XX/2021. Again before the bankruptcy and the check was mailed. They are reporting the vehicle loan as included in bankruptcy and their system flagged my membership to not let me open accounts even though none of the PenFed accounts were included. Therefore they need to update their system to stop inaccurately flagging my accounts when PenFed wasnt even included.

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was offered a capital one quicksilver card with promotional offers of 0 % Apr for 15 mos and {$200.00} in rewards once you spend XXXX in the first three months. I accepted this offer on XX/XX/XXXX. I noticed that my 0 % Apr is due to expire on XX/XX/XXXX, which is only 10 mos. I contacted capital one and they said they can change the terms and I was only accepted with 9 mos interest free. My 0 % Apr should be until XX/XX/XXXX. Secondly, I was never received my {$200.00} in rewards after spending {$500.00} and I was told I was never offered it. I recorded these conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
They are not trying to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and XXXX is still reporting account as no paid. Please remove account from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
FRAUD ALERT : Proof of COVID deferment was submitted by Chase. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX ' results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.

Company response to consumer: Closed with explanation