vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I currently have a mortgage that is serviced by Specialized Loan Servicing with the contact information below. This is a conventional loan with XXXX XXXX XXXX ( XXXX XXXX. As of XX/XX/XXXX the XXXX of this account was scheduled to be less than 78 %. The original value of the home was {$520000.00} as seen in XXXX 's records, 78 % of which is {$400000.00}. The principal balance on XX/XX/XXXX was scheduled to be {$400.00}. As required by law XXXX should have automatically removed property mortgage insurance. 

Specialized loan servicing has disbursed {$150.00} for XXXX  in each month since XX/XX/XXXX, including XX/XX/XXXX for a total of {$750.00}. 

I reached out to the company on XX/XX/XXXX, both through their message center and by fax as instructed. I have yet to receive a substantive response either by phone or by mail on the subject. They disbursed XXXX on XX/XX/XXXX after my inquiry. 

Specialized Loan Servicing XXXX XXXX XXXX XXXX, CO XXXX Phone : 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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A repo collateral so debt was paid and still won't remove off my credit being over 7 years and they still applying it to my credit would like for it to be removed

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.

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 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.

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 2022-01-15 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: NE

Complaint narrative:
I've given info to TransUnion more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. TransUnion has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and TransUnion for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

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 2022-01-15 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: FL

Complaint narrative:
My card was stolen on XX/XX/2021. The person who stole my credit card made purchases at several stores including XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This criminal spend approximately XXXX at these stores with most of the amount going to gift cards. I called one of the XXXX he purchased a gift card at and when they looked at the camera they said it was someone wearing a hoodie. I disputed the charges with Chase and they removed the purchases but recently they put the charges back on my credit card because they said these purchases are from stores I usually shop at. I would like to file a complaint because I am a victim of credit card fraud and Chase is not handling this situation responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
XX/XX/XXXX I received letter from CACi XXXX Consumer Adjustment Company Inc ) stating I owed over {$600.00}. When I called to get details, I was told it was for the balance billing of an XXXX visit on XX/XX/XXXX. I advised agency I never received a bill, had XXXX coverage at that time who would have been financially responsible. XXXXXXXXThe phone rep dvised me could file a dispute online. Thanked him and said I would send a certified letter for debt validation. 

Mailed debt validation letter and debt dispute letter by certified mail on XX/XX/XXXX. As of XX/XX/XXXX, I have received no further correspondence or communication, but discovered CACi reported the debt to XXXX on XX/XX/XXXX without validation or further communication to me. This was discovered during process of buying some land. Loan terms ( interest rate were raised due to negative reporting ). 

Since I had an HMO then, the XXXX charges would be between the provider and insurance company ; I am to be held harmless. If the XXXX had billed timely, I could have followed up with XXXX  on payment ; however, after this length of time, I no longer have the coverage and it is outside the window for appeals. 
Further, TXXXX XXXX XXXX XXXX - Title 2 and Title 6 have a statute of limitations on medical billing and collections. This timeline is outside of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: Maximus Federal Services, Inc.
State: AR

Complaint narrative:
I received notices from XXXX school loans that I had 3 outstanding loans and they wanted payment in XXXX ', I had not graduated high school nor ever applied for a student loan. I have contacted XXXX by registered mail 3 times. 
This is on my credit reports. 
I just received my XXXX  in XX/XX/XXXX again I have never needed a student loan. I am hoping you can review because this is a case of identity theft. i have asked XXXX for any signature pages and have never received any response of any kind My information is : XXXX XXXX XXXX dob:XXXX ss # XXXX i am hoping with the current situation with XXXX this can be cleared up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NE

Complaint narrative:
I've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. Equifax with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: NE

Complaint narrative:
I've given info to XXXX more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. XXXX has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and XXXX for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

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 2022-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Veripro Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX Veripro Solution Inc Claim they assumed 2nd Mortgage from XXXX XXXX XXXX. Document B Veripro Solution never contacted me, The note requires in notice section Document A any notice that must be given to me under this note will be given by delivering it or by mailing by certified mail addressed to me at the property address above. 1st Breach of contract. On XX/XX/XXXX Veripro solutions sold loan to XXXX trust owner XXXX and retained servicing with out notification to me 2nd breach of contract. On XX/XX/XXXX Veripro Solutions transferred Servicing to XXXX XXXX XXXX with out notification to me again 3rd breach of contract.Veripro Solutions never changed loan assignment in MERS to them selves, which made loan transparent to find. XXXX XXXX XXXX did not contact me until XXXX of XXXX Upon request i was sent false information, i can only assume came from Veripro Solutions. Document B In XX/XX/XXXX after not receiving proper information from XXXX XXXX XXXX I requested information from Veripro Solutions Dated XX/XX/XXXX. Document B Veripro Solutions Inc can not provide an assignment of Mortgage from XXXX XXXX XXXX to them. Loan had been missing for almost 4years between XXXX XXXX XXXX and Veripro Solutions . 4th Breach of contract assignment to Veripro Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: ERC
State: MA

Complaint narrative:
I am currently trying to fight this due to the fact that I am never late on this account for whatever reason they did not process the payment for that month and as a result they have sent it to collections but I still have the credit with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I settled a debt with radius global solutions in the amount of {$1100.00} in exchange for a removal of the debt off of my credit report on XX/XX/2021 they removed the collection off of my XXXX and XXXX report but not off of XXXX I called them in XXXX of 2021 and told them that the collection is still reporting on my XXXX a rep told me that theyll resolve it and as of today nothing has been done I even tried disputing the collection through XXXX but it didnt result in a removal. I will like for radius global to get this debt removed off of my XXXX report as agreed on when I settled the account

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 2022-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
XX/XX/2021 I decided to voluntary surrender the car back to Prestige Financial spoke with XXXX XXXX and advised her that it was the best decision to give the car back because it was upside down XXXX and no one would accept the trade in. I understood what what happen and she said someone would ge back to me. 
XX/XX/2021 - received threatening calls again from XXXX XXXX in regards to voluntary surrendering the vehicle again. I stated to her that please come and get the car so we can resolve the issue XXXX I received an email from Prestige XXXX XXXX starting that she had not heard from me in regards to the vehicle. Which was not true we were emailing back and forth since XX/XX/2021. I stated to her that we already had discussed the matter and my decision is final, the sooner we resolve the issue we can move forward. 
XX/XX/2021 I received an email from XXXX XXXX in regards to surrendering the vehicle and he apologized for being out of the office since XX/XX/2021 and he stated that he would send me the paperwork to sign for the voluntary surrender XXXX I received an email from XXXX XXXX stating that they received the paperwork and they will get the voluntary surrender over to the repossession department. 
XXXX I don't know the exact date but someone came and picked up the vehicle I gave them the keys and they stated that someone would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX and XXXX in regards to Prestige Financial stating that I would have to appear in court in regards to the vehicle. I never received anything from Prestige or XXXX and XXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX and XXXX and no one ever returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 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: PA

Complaint narrative:
I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

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 2022-01-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX  points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.

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 2022-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
In case it matters, my mortgage is secured by XXXX. In the summer of XXXX, I took advantage of the XXXX XXXX mortgage payment forbearance. At least four times over the past 18 months, during the forebearance, I reached out to Rocket Mortgage to confirm that, since XXXX secures my loan, the " partial deferral '' option would be available at the end of the forbearance, where the total amount of the unpaid principal and interest payments is added to the loan balance, and becomes due either when the loan is paid off, or when the house is sold. I was very specific that I wanted to confirm that the deferral would be an option, not 'might ' be an option, and Rocket was equally specific in confirming this. I recorded all of these conversations. I even reached out to XXXX XXXX to confirm this, and they likewise confirmed that the deferral would be an option rather than 'might ' be an option. However, XXXX days ago I logged onto my Rocket account, and the only option they are offering me is a loan modification that doubles the term of my loan from 20 years to 40 years, and increases the total amount of payments by more than {$300000.00} over the life of the loan. I took another look at the XXXX XXXX website, specifically at XXXX XXXX XXXX, which seems to confirm that Rocket is failing to provide the required " partial deferral '' option. I called Rocket, and they said that they only allow the deferral if the consumer only uses 17 months of forbearance, not when they use the full 18 months of forbearance. I can't find any information online that supports this. I just want to begin paying my mortgage again on XX/XX/XXXX under the partial deferral plan. thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I didnt get notification of debt from I C System prior to it being placed on my credit which is a violation of my rights as a consumer. Did not validate the debt. 

IC Systems Amount Due {$950.00} Date XXXX/XXXX/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