vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I dont even no where to start. My mother in-law that my husband and i own our home with she is being manipulated by SELECT PORTFOLIO SERVICING INC. there is a foreclosure date set for XX/XX/XXXX 5 days from today. 3 of those are weekend or a holiday. She called on the XX/XX/XXXX. and was told the request went in to postpone while her complaint was being reviewed. she has been calling every day since that day and is told to call back. She received 2 letters stating that her review would not be completed before the sale date. one dated XX/XX/XXXX and the dated XX/XX/XXXX. i came home to her crying last night. we have know where to go .She is XXXX years old this stress is way to much We spoke SPS again at XXXX XXXX this morning we were told they same thing i was on the line with her. they said it was sent in for postpone but she really was lying to us. she said call back on Saturday Monday is a holiday. I took the day off work to try and help with all of this. 
XX/XX/XXXX we spoke to QUALITY LOAN CORPORATION the acting foreclosure company on our home she sated no postponement had been requested and the house set to be sold on the XX/XX/XXXX. We have a letter dated XX/XX/XXXX that states no foreclosure will be held during this time. The appeal has been sent SPS along with this complaint. to them .This has to stop date manipulation so nobody has time to do anything or no other options have been given. 
XX/XX/XXXX we were told that the preforeclosure check was approved when my mother in-law asked what that meant the lady got super upset. Which leads us to believe they have no intentions of stopping the sale. They are moving forward during our appeal time. so they can just sale they have not given us any non retention offers except to get out. We are appealing a denial we received for a loan modfication which states we did not complete the paper in a timely fashion. Which is false.Im asking for help we can not possibly move out and find a place this quickly. The date manipulation is crazy that is going on with this company. We called agin this morning and they are very stern and are saying that we need to call back again later today.We feel they are rushing to complete our complaint so they do not have to postphone the sale i even heard the department say we are going try and this done before the XX/XX/XXXX so they can go to sale but the letter say something different which iwill upload. My husban and i are on title to this property have always been since XX/XX/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 2019-11-08 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: MO

Complaint narrative:
Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: LA

Complaint narrative:
I have been looking to all my credit reports and doing follow up and I have some inaccurate information. My current and accurate address is XXXX XXXX XXXX XXXX XXXX LA XXXX I need properly update ADDRESSES to reflect my accurate information. Please remove the follow addresses they are not mine : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Please delete this account from my file it was settle in full with the original creditor and I do not understand how it is listed as Paid collections when I paid the owner of this debt before it was in collections, Error please delete ASAP! XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Debt was paid by New Hampshire insurance company/XXXX in a workers comp case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM EQUIFAX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Critical Resolution Mediation LLC
State: GA

Complaint narrative:
Received 2 calls from numbers XXXX and XXXX .. from Critical Resolution Collection. Spoke to XXXX XXXX. Also called back and started speaking to a man that sounded just like the other person I had just spoke to. He claimed he was not him, but didnt give me his name. Said XXXX XXXX was out to lunch to call back in 30 minutes. But I called back in 15, a XXXX XXXX answered the phone, transferred me to XXXX XXXX .. they were the same person!! 
Anyways, he was trying to collect a debt from XXXX for XXXX XXXX that had not been paid on since XX/XX/XXXX .. the last I recall it was around $ 400-500. He claimed it was over {$1900.00}. opened XX/XX/XXXX, last paid XX/XX/XXXX. I know that is not true because I have a current, clear account account with them since XX/XX/XXXX. He stated my last name from my marriage from 30 yrs ago that was not used to open that account. Then he used my last name, once, that was used to open the account, but continued to use my previous name. However, I had been separated since XX/XX/XXXX, remarried on XX/XX/XXXX. I had also moved 5 different times to 3 different states. He did not even have my current address and NO I didnt provide it. I also did not correct him with my name. He said they are going to sue me, garnish my wages. When I said Im on SS XXXX, he then said they would freeze my accounts. Please beware of this company and these people!! I have researched and contacted people. I contacted the Small Claims Courthouse he said they were going to use to sue me, they have never heard of them. The other people I contacted said they are Scammers. BEWARE!! Protect yourself. DO NOT give out any personal information!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT FROM XXXX XXXX, EXPERIAN

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 2019-11-08 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: WI

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND 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 2019-11-08 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: WI

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND 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 2019-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I've been paying every Friday for the past 6 months ( {$50.00} ) for a loan amount of {$1100.00} and yet my current due balance is {$1000.00}. I have records of every weekly payment. When I check the payment records tab only the last few payments show. There's no record on the website of all the other money I've paid. I have my bank statements though!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
My automobile loan was paid in full in XX/XX/XXXX and to this day I have not received my payoff acknowledgement. I had been paying through my bankruptcy so this resulted in an overpayment to Santander, the lender. I called Santander in XX/XX/XXXX to see when I could expect my refund. I don't know their reasoning but I was told it would be mailed out in XX/XX/XXXX. XX/XX/XXXX I called and spoke to a guy who was a bit nasty in his attitude and unconcerned about my issue. He indicated the payment was sent out on the XX/XX/XXXX. I called back on XX/XX/XXXX to advise I still had not received my refund. At that time I was advised payment had not been sent out. The person handling the call this time did at least express concern an a willingness to help get the issue resolved and get my payment and payoff letter sent. My concern is after waiting almost 2 months would like this issue resolved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: NV

Complaint narrative:
I have been disputing my collections accounts with Transunion for almost seven months now and haven't many results or communication from them. I'm just trying to get things removed so I can improve my score and put my family in a better position in life. I will all letters sent to them so they can see the history I have of mailing them ...

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 2019-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per Transunion Report, XXXX XXXX XXXX has reported inaccurate 30-80 days late payments between XX/XX/2019 and XX/XX/2019, stating you made 2 out of 4 payments on time ( or didn't have a balance to pay off ). Currently it is showing as the month of XXXX and XX/XX/2019 as late payments, which is incorrect since my account was transferred to XXXX XXXX XXXX and they have reported correctly as On-Time for all three credit bureaus ( XXXX, Transunion, and XXXX  ) for the month of XXXX and XX/XX/2019.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, I booked a flight through the merchant - XXXX XXXX using my Chase credit card. I had to subsequently cancel this flight within a few hours. For this, I received a refund of only 50 % of the ticket amount i.e. {$1500.00}. As per the cancellation policy on XXXX XXXX, I should have received a full discount since the ticket was cancelled within 24 hours of booking. I therefore disputed the charge of {$1500.00} on my Chase card. 
After disputing the charge, the merchant - XXXX XXXX contacted me saying they are willing to refund the money to me on the condition that I remove the dispute on this charge ( emails attached for reference ). After consulting with Chase customer service, I undisputed the charge. However, after this, XXXX XXXX stopped responding to my emails and did not refund any money. I then reopened this dispute with Chase. Chase did not contact the merchant at all and sent me a letter saying the transaction is valid despite proof in the form of email where XXXX XXXX agreed to refund the money and did not. Upon contacting them, Chase dispute department was rude and unhelpful and stone-walled me on trying to get further information on why my case was not even pursued with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, Walmart switched from XXXX XXXX  to Capital One for their credit card services, and I was notified of this switch well in advance via the Walmart app 's credit card services. My account and information transferred correctly ; however, I had attempted to use my Walmart Credit Card to make an in-store purchase on XX/XX/XXXX, and the card was declined. I used my card on XX/XX/XXXX for {$37.00}, so I thought it was weird that the card declined only a few days later when my limit is {$100.00}. I checked the Capital One app to see if my card was disabled or if I may have received a new Walmart card that I needed to activate. My account gave me an error message, stating " this credit card account is currently restricted. '' I had called to XX/XX/XXXX to see why there was an issue with the card and why my account is restricted. I was told that my account had been closed by Capital One, but the representative told me that he could not see the reason for this account closure, nor could he reopen the account. I waited a week to see if I received a new card for this account, and again, I called to see why my account was closed and how to dispute this action. I was told that Capital One closed the account due to " returned payments '' and that the representatives could not do anything about this, but my billing statements and payment screen on the Capital One app correctly reflects the charges and payments I made to this account. On XX/XX/XXXX, I received a letter from Capital One at my permanent address dated for XX/XX/XXXX. This letter explained that my account was closed " because of activity on this account or another account that is not consistent with our expectations for account usage and violations of the Capital One Customer Agreement. '' However, I never signed or agreed to any Capital One services, nor did I agree to the transferring of my Walmart XXXX Credit Card account to  Capital One. Thus, I was not made aware of any Capital One Customer Agreement that I could have violated, and Capital One is not explaining what I had done that was not consistent with the customer agreement. According to the records that I am able to see, I have made payments on time and received rewards for my purchases that I am not able to redeem since my account is closed. I have not received or been given access to a billing statement that reflects charges and payments made after XX/XX/XXXX. Because of the actions of Capital One, my credit score has been negatively impacted by the closure of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: PA

Complaint narrative:
I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After going through identity theft protocol and following the steps to have items removed from my credit report, the items were removed after investigation. about 6 months later, a few items have re-appeared on my credit via collection agencies. Since these items were previously removed, I sent the complaints to the the credit bureaus. The items have not been removed after sending in my grievance. The collections are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FL

Complaint narrative:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
had my phone hacked into tried to call STATE farm to get transaction history they didn't want to provide information after asking for the REP 5 times all I wanted with transaction history. She was so rude to me i couldn't get what I wanted or even any part of the transaction Tried to close account just in case it was hacked but at this point, I don't know what on my account b/c of the above incident

Company response to consumer: Closed with explanation