vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
A mortgage modification packet was requested in XX/XX/2020. I received a letter dated XX/XX/2020informing me that they had reviewed my application and that I was not eligible for a mortgage modification but I was eligible for a short sale, or deed in lieu. The first issue is that according to the attached letter they reviewed my application however a modification packet was never sent. When I questioned the mortgage company about this they said that they did a streamlined modification that required no paperwork. According to all the information that I have read a streamlined modification was intended to keep homeowners in their homes with little paperwork rather than using no paperwork to remove a homeowner. I explained to the representative that I found a denial for modification hard to swallow when my financial situation was never looked at. The attached letter stated that I also had a right to have a second independent review. I requested this via email on XX/XX/2020. On XX/XX/2020 I called into customer service in regards to a letter that I had received regarding mail that was sent to the incorrect address. At that time I was informed of a foreclosure sale date on XX/XX/2020. I then asked about the second independent review. The customer service rep saw where I had requested it but could not explain why the review was never completed. She then told me I needed to submit an email asking that very question and requesting that the review be completed. On XX/XX/20 I sent an email along with all the attached paperwork requesting that Specialize Loan Servicing cease and desist any foreclosure proceedings until the second independent review was completed. At this time I feel like my rights have been violated because my modification was denied under false pretenses. Specialized Loan servicing reviewed no information regarding my financial health. They also denied me on the basis of loan to value numbers but provided no proof of what those actual loan to value amounts were. I am requesting that the CFPB hold Specialized Loan Servicing accountable for there actions and ask them to stop the foreclosure  proceedings until they do their due diligence in helping a homeowner stay in their home. I have also attached information from Specialized Servicing showing what streamlined mortgage assistance means and what they can do to help homeowners.I have been told that they can not reduce my interest rate because it was as low as it could go but after reviewing their own paperwork the interest can be reduced done to as low as 2 %. They also have many options on the attached sheet which I qualify for but have never been offered.

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 2020-05-26 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.

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 2020-05-26 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 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.

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 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
COMPLAINT ID : XXXX I received a letter from Midland Credit Management stating that I owe them money. 

*I 've never done business with this company *I do not wish to do business with this company * This company has no signed documentation by me stating I owe them anything I want them to stop reporting on my credit and be removed from my 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit International Corporation
State: WA

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. 

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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: TX

Complaint narrative:
I applied for an auto loan and was shocked when the dealership told me I have a negative account. Although I was still approved my interest rate was coming out higher. I reviewed my credit report and found a negative account that does not belong to me. I called the company to remove it and more than 60 days have past I have not received a response. I believe someone used to identity to obtain good that I am unaware of. I never used this company for any type of service nor have I given anyone authorization to use 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 2020-05-26 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED

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 2020-05-26 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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. CHAPTER XXXX BANKRUPTCY DISHCARGED CHAPTER XXXX BANRUPTCY DISMISSED

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Found out XX/XX/2020, my Social Security number had been compromised, i.e., identity theft. I filed a police report, a complaint with the Federal Trade Commission, an Affidavit of Identity Theft with the IRS, called our local Social Security Office as well as phoned the Attorney General 's office and emailed them. I then proceeded to go " lock '' or " freeze '' my credit reports. In doing so, I was reminded that I had frozen all of them back in the end of XX/XX/2020 due to some personal financial information that went missing via USPS, but turned up much later. In the meantime, I never removed the " freeze '' on any of my accounts. on Friday, XX/XX/2020, I called each bureau and put a " fraud alert '' on my credit reporting accounts also. When checking my report this morning ( as obviously I have to do pretty much every day now ), I find that Transunion, while my credit report was supposed to be " frozen, '' allowed an inquiry by my employer. First, my employer should never have access to my account without my written consent, this is my personal information. Second, the date of the " employer verifying '' was XX/XX/2020, the exact same date that the Employment Security Department was indicating I was laid off work and trying to verify my " claim for unemployment. '' I have no claim for unemployment, I have been at work since day one of this pandemic we are experiencing. Therefore, whether it be the Employment SEcurity Department or my " employer, '' there was an " inquiry '' on my credit report which was " frozen '' so as not to allow any inquiries or applying for credit without speaking with me first. Transunion allowed this to happen ; and now when I try to reach out to them to find out who made the inquiry, Employment Security or my employer, they will not answer my questions, I can not understand a word their employee is saying, and then they say I need to file a " dispute '' and they forward me to the " dispute '' line which immediately says " Your call can not be taken right now '' and hangs up on me. This is after 30-45 minutes of waiting on hold just to get through only to get nowhere. I'm highly concerned for the safety of my financial information.

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 2020-05-26 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Hello and thank you very very much for even having the time to read over my small issue. Because of this covid19 I have been slow to pay off my cards this year since XXXX however I am 100 % responsible and have tried to ask for forgiveness on some of my late payments. It is my request that you please help perhaps look into my case and see if we could please have some of those late payments forgiven. I am 100 % responsible I have kept and maintained the minimum payment balances to keep all of my accounts in the green. 90 % of my credit accounts are 100 % paid off except for about 3 of them. Can you please on my behalf try and help me erase these late payments because they are 100 % a result of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had not received a response for the prior compliant filed, XXXX prior to submitting the CFPB feedback for the filed complaint. The response from Bank of America did not address the concern in complaint # XXXX. The response states they failed to see a Bank Error ; however, it was their teller that informed me the Cashiers Check was a valid check. The tellers supervisor/co-worker ( XXXX ) even asked the teller if they were going to verify and the response given was, no no its good, and she pushed the check through. If there is a process of 14 days verification, when I asked about the validity of the check, the response from the teller should have been that there is no way to verify with 100 % certainty right now, please allow up to 14 days for the funds to clear. This was not the response, the teller stated the check was valid! 

The entire reason I went inside the bank to cash the check was to verify the check was legitimate before proceeding forward with XXXX XXXX process. The teller assured me that the check was a valid check and this in itself was a {$15000.00} bank error. The teller should not have provided this information if they were not 100 % sure that this was the case. The response from Bank of America no where addresses the fact that miss-information was provided by their employee. Based on the information provided by the bank teller, I proceeded to wire the funds to what I thought was my client. The check was not valid and through Bank of America 's research, was completely fraudulent. The funds were returned, and my company now lost the {$15000.00}, of which I only had so much in the account to begin with so it now shows I owe the bank, and that is my dispute, since improper information was given.

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 2020-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a JCPenney credit card and had processed two charges via my bank, however, through the online bill pay. 

I have sent confirmation information over to Synchrony Bank who manages the JCPenney credit card accounts. Below are the dates of the payments : Payment 1 sent XX/XX/19 for {$80.00} Payment 2 sent XX/XX/19 for {$100.00} I also confirmed with my bank the payments were sent to Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX. In addition my bank has confirmed the payments were NOT returned. 

I have communicated this multiples times and Synchrony will not accept my documentation as they have referenced it is not acceptable. However, I've received a letter to inform me a credit has been processed to the account, which is then followed up with a letter rescinding the previous credit. 

There must be a way to research the payment items, I have provided Bank information, confirmation numbers, Bank Routing number, dates, amounts and times, as well as, confirming address.

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 2020-05-26 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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

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
Consumer complaint received 2020-05-26 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 have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}

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
Consumer complaint received 2020-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2018, Shows late payment. I explained to them it was a electronic error automatic payment/ auto pay did not take the money out of my account resulting in a late payment for XX/XX/2018. Company Chrysler Capital.

Company response to consumer: Closed with explanation