vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-06 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX because of a denial of a student loan. They contacted me and told me that they can't appeal their decision due to the XXXX score received from Equifax. Equifax offers a product called XXXX XXXX XXXX, which provides a XXXX score from 0 - 600. Mine was reportedly in the low 100s, indicating that I would most likely claim bankruptcy in the next 24 months ... This is news to me. I have reviewed my credit report and I have never been late on a payment, no liens, no judgements, ever ... My revolving balances are less than 50 %. I have over {$50000.00} in liquid assets, plenty of equity in my house, yet Equifax arrives at this score. When I called Equifax twice, I was on hold 45 minutes the first time and over 1 hr the second time. The first representative said they don't offer the XXXX product, despite it clearly being on their website, which I tried pointing out. The second gentleman was also no help. I pay two of my credit cards in full each month, the remaining are on 0 % interest, which I would use my liquid assets to payoff at the time of the promo expiration. I believe because I have never been late, with no liens, judgements, or under 50 % utilization the score they are providing and cant explain to me is unfair and unjust. Due to this I am unable to obtain a refinance of my student loan to cut the interest rate in half, XXXX XXXX is putting the reasoning entirely on the score provided by Equifax, which no one can seem to provide reasoning for it being so low or how it is calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
I have been talking with a XXXX XXXX a Senior Vice President at Bayview about a couple of issues and I am ignored and jerked around by this company. I guess the people at the CFPB are just as big of XXXX as the people at Bayview are because the CFPB does nothing. I guess all the new Federal laws and mandates with the C-19 going around Bayview just ignores you. Maybe some ignorant XXXX at the CFPB should do something and help people since that is what they are suppose to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: AR

Complaint narrative:
I received a denial of finance from an auto dealership. And listed as a credit reporting agency is SageStream. Besides the fact that they are mostly unheard of, how can it be fair to consumers for this invisible company to rate our credit when they obviously use a totally different means of using their information. And with them having close ties to these other companies that sell consumers products and services that are closely tied to needs/ideas of the information they are reporting on?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HFS Financial LLC
State: CA

Complaint narrative:
On XX/XX/2020 I applied for a Pool Installment Loan on the HFS Financial Website located at '' https : //www.hfsfinancial.net/ On the same time shortly after, I received a " conditional approval '' email letter stating that I was approved. 

I spoke with " Senior Loan Consultant '' XXXX XXXX on XX/XX/2020. XXXX 's tone was very rude and condescending. Apparently my credit score had decreased since the last time I had applied in XX/XX/2020. I was attempting to explain my situation to XXXX. He abruptly cut me off and the call ended. 

I attempted to look up HFS Financial NMLS # 's and I was able to find one regarding : '' Credit Services Business License '' but Installment Loans license is not active. This company is essentially a broker finding banks/credit unions to write installment loans and they are receiving a commission for doing so. 

XXXX also has no license that I could find in NMLS national registry. How can he be working doing loans and pre-screening without a proper license?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
My Mortgage company, Mid America Mortgage, has refused to comply with the basic requirements of the CARES Act which allows homeowners facing difficulties because of COVID-19 to get a 180 day forbearance from paying the monthly mortgage premium. It enjoins the mortgage servicing company not to charge any late fees or report the lateness to a credit bureau. It even gives room for a further 180 day extension or any other further assistance. 
When contacted Mid America Mortgage last week, I could not get a representative. When I finally got through this morning, I was advised by a representative, XXXX, that they can only commit to no late fees and credit reporting for the period, but that I must still make a payment during the period. Also, that the entire amount for the 180 days will be due at the end of the 180 days if no payment is made. In addition, she directed me to the website to download and send a Loss Mitigation form with supporting documents in order to secure approval for any forbearance.She used the term, " informal forbearance ''. found that strange and contrary to the CARES Act. It is illegal to have a mortgage servicing company violate an Act of Congress even in this trying period. The palliative offered by the Federal Government is being made impossible by this lender. 
We hereby file this formal complaint against them as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have been receiving harrasing calls all different times of the day, constantly during my work day and have asked them to stop. 
They even went as far as to contact my young son, who lives with his father in another state and caused them worry and stress, because someone called them and said they were looking for me. 

I signed up for a XXXX with XXXX XXXX out of XXXX. 
They fill the room and sell people programs. 
I was immediately financially affected by the fires in California and could not reach anyone to cancel. No local phone numbers or contact information was provided. 

I never, ever participated in any calls or events afterward, never recieved any information, value or any products from this company. 

I want then to stop. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Capital Accounts, LLC
State: TN

Complaint narrative:
There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all XXXX credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and XXXX XXXX for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX  XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$410.00} XXXX  XXXX {$300.00} XXXX  XXXX {$870.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}

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 2020-04-06 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX  XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$410.00} XXXX  XXXX {$300.00} XXXX  XXXX {$870.00} XXXX   XXXX {$180.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$160.00}

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 2020-04-06 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: CA

Complaint narrative:
Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalseaccusationsandfraudulent accounts

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TN

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX  XXXX {$5400.00} XXXX  XXXX {$1200.00} XXXX   XXXX {$72.00} XXXX XXXX XXXX {$1200.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Westlake Services, LLC
State: CA

Complaint narrative:
i previously financed a car which was repossessed and resold in an auction which still shows a balance on my credit also " closed/paid '' and still reporting late payments to all 3 credit agencies, ive submitted multiple request to have account deleted the company doesnt respond

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services reported on my Credit Report that I owed {$710.00} to XXXX XXXX in XXXX. When I called the hospital they informed me the debt was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
I have been trying to work with my lender and get help but they just keep giving me the run around. I provided them pay stubs and all the other supporting documents that they have asked for. 

Today they denied me because they could not verify my income. I am a XXXX employee how do they not verify my income when i sent them pay stubs to support. 

I am beyond enraged with their terrible service!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: National Credit Systems,Inc.
State: KS

Complaint narrative:
National Credit Systems -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information. 

XXXX  and XXXX  continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information. 

XXXX  has been transparent and is reflecting the correct information. 

Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
There are items in collections on my credit report that I have no knowledge of and did not authorize under any circumstance. I have already disputed these with all 3 credit bureau 's ( XXXX, XXXX, XXXX  ) in which nothing has been done. The collection items are from XXXX XXXX XXXX XXXX for the amount of {$660.00}, and Portfolio Recovery for the amount of {$900.00}. I have never had either one of these accounts. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report form XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: CT

Complaint narrative:
My husband put something on line for sale and the guy he spoke to, said he wanted it and to take it down. He sold it for XXXX. A few days later we received a cashier check in the amount of XXXX. I deposited into my account and the next day we sent money to his driver. Who was to be picking up the item along with other items along the way. We sent it XXXX to XXXX and we took pictures of the receipts and sent it to him. I just happened to check my account and it was in negative for XXXX. So I went straight to the bank and spoke to someone and the person gave me a fraud case # XXXX. I did everything they told me to do, because they do their own investigation. I also did a police report case # XXXX. I did a police report in XXXX NC, because that's where the person live and they know the XXXX he picked up the money from. At the bank I was told that if the investigation shows fraudulents to my account I would get my money back in my account. When they finished the investigation, they said it was fraudulents against my account and they will keep my account open Because they have insurance for fraudulent on a customers account, so the bank doesn't loose money. But that was not the case, they took my money and turned around and took my whole XXXX check for XXXX. I spoke with the supervisor and she was very rude. She told me I was responsible for the negative amount in my account. I am victim in all of this. Before all this happened I had XXXX and my XXXX check XXXX I was with out money for 2 months, this has been very stressful for me. This is my second time putting in a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 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: MD

Complaint narrative:
THE XXXX XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2020-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
To whom it may concern : I was on a repayment plan which originally started with Ocwen Mortgage in XX/XX/XXXX which consist of a down payment of {$7000.00} and monthly payment of {$9400.00} for 11 months. My mortgage was transferred to PHH Mortgage with the same terms in XX/XX/XXXX. I have made all the payments requested through XX/XX/XXXX. When I sent my XX/XX/XXXX payment via XXXX, the payment was signed by a PHH Mortgage receptionist on XX/XX/XXXX. The XXXX tracking number is XXXX. It normally takes three days at the most to post my mortgage payment. I contacted PHH Mortgage on XX/XX/XXXX requesting an update status of my mortgage payment for XX/XX/XXXX. I spoke with my relationship manager, XXXX XXXX whom told me not to worry about my repayment plan and that he submitted a request to locate my XX/XX/XXXX payment to PHH research team. XXXX scheduled a follow up call with me for XX/XX/XXXX which during this conversation I was told my repayment plan was cancelled on XX/XX/XXXX although my payment was located and to request a loan modification. I requested a repayment plan to be reopen or to be offered another payment plan since I only had 3 more payments to make. On XX/XX/XXXX I received a letter from PHH which stated my check was destroyed and a copy of my check was included with the letter. The letter stated I must pay the total amount of the outstanding balance in order to reinstate my loan. I had a follow up call with XXXX on XX/XX/XXXX which on this call I was told my loan modification was denied and that he couldn't offer another repayment plan. I was advised to contact the foreclosure attorney, XXXX XXXX, XXXX XXXX  XXXX located in XXXX TN for a total reinstate amount and foreclosure date. PHH is fail to accept their mistake and refuse to offer any assistant to resolve this matter which can be reolve in a short period of time.

Company response to consumer: Closed with explanation