vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
In XX/XX/XXXX, I requested a forbearance on my mortgage loan starting XX/XX/XXXX, and it was granted for three months. During that time, I paid interest on the loan for XXXX, XXXX, and XXXX, which SLS refused to apply as a separate payment each month. I requested a loan modification in XXXX and sent in the required documentation for consideration. During the period from XXXX to XXXX, I received notices of late payments and foreclosure threats. I was asked to provide additional financial information for the loan modification. I was gainfully employed and had a small events business, but due to COVID, I received no revenue from that. After waiting for months to hear from SLS, I received a denial of my loan modification request. Instead, I was offered the option to short sell or let the mortgage owner take ownership. One reason for this denial was because of a fraudulent home valuation report that was requested by SLS from a local real estate company in XXXX, NV, called XXXX XXXX. This company had undervalued my home by {$100000.00}. I called them to complain because no houses in my area were used for comparison in the report, and the photos in the report did not reflect my home 's location or neighborhoods. 

The forbearance rule mandating that you had to pay the balance of the forbearance plus your mortgage in full for three additional months before you could be considered for a refinance delayed my ability to refinance. I believe that SLS used the undervalued and fraudulent home valuation report and my age to support this denial. 

The company also continued to send me foreclosure notices even after I paid my mortgage and the forbearance balance. While waiting months for SLS response, I tried to refinance but was declined because of the three-month rule. In the meantime, I lost my job. Now I can't refinance the loan. I have no incurred considerable financial loss and stress and am unemployed and trying to keep my home now. 

Had I been given the loan modification at the lower interest rate, I could have kept my head above water. I was told the INVESTORS declined to approve my loan modification, which is at 3.25 %. This denial has now cost me savings totaling {$1000.00} for XXXX XXXX and future annual estimated losses of {$3200.00} ( XXXX ), XXXX, XXXX, and on. The stress has been unbearable. 

Also, I asked for a waiver of the fraudulent {$15.00} home valuation fee, and that was declined ; this was the straw that broke the camels back.

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 2020-11-04 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: PA

Complaint narrative:
XXXX XXXX  XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX  ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY

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 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!

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 2020-11-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened 2 disputes on XX/XX/2020. They were 2 charges for {$400.00} for a hotel that agreed to refund the deposit based on recorded calls Citibank still has not closed or resolved my complaints as of XX/XX/2020. As of this date, this is 266 days after the disputes were open. This is in violation of the Fair Credit Billing Act that states disputes must be resolved within 90 days or 2 billing cycles of the opening of the dispute.The Citibank agent I spoke with on XX/XX/2020 said the disputes were closed on XX/XX/2020 which is 98 day after the disputes were opened, which is also in violation of the 90 day limit. I have called over 15 times trying to resolve this dispute. All but the very first call have been recorded. Screenshots of the online account information have been saved that show the disputes open 266 days after starting the dispute process. 

The screenshot attached is from today, XX/XX/2020.

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 2020-11-04 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: CA

Complaint narrative:
I am filing this report because today XX/XX/20 I applied for a XXXX  credit card and I was denied due to having two accounts in negative standing appearing on my credit report. The accounts are from these companies ; XXXX XXXX XXXX & XXXX XXXX. Neither of these accounts belong to me nor do I have any written/verbal contract with those companies. I did not open any account with those companies and I did not allow anyone else to open any account in my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a complaint with the CFPB as well as a police report regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Uplift, Inc
State: IL

Complaint narrative:
I received a copy of my credit report and found an account that didn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
On XX/XX/XXXX I became aware of fraudulent use of my Social Security number when I tried to conduct online business with SSA ; they used Equifax to check my identity. XXXX  and XXXX  both showed nothing wrong when I checked each of my reports out there just minutes later with using SSA website. I then proceeded to try and access Equifax website, when I went to create a MyEquifax account, the automated system to prove who I am showed credit account items from XXXX forward which did not apply to me, therefore I know it was fraud. The system booted me out and said call the 800-number. Did that, finally got somebody, they said send your Name, Address, Phone # and photo copies of your SSN and driver 's license to their Fraud Dept in XXXX, Georgia. Did that and today, XX/XX/XXXX, is the " 10-business Days '' deadline. 

Called them to see what's being done so that I can SEE the fraudulent accounts on my credit report and they give me the runaround. They have to 'verify ' my account information and are asking about credit cards that I've had in the past. Well, I don't know about you, but my memory isn't as good as it was AND I never figured on having to remember every little detail of my credit history in case of Indentity Theft. So I got nowhere. 

They said " Just wait to hear back from us. We don't have your photo copies uploaded to our system, so we can't do anything. Just be patient. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm very frustrated and highly upset. I've been trying to reach this bureau for their investigation results with no response. I've sent letter via certified mail dated XX/XX/2020, XX/XX/2020, and XX/XX/2020. It has been well over 60 days and this is not right. Please send the results of the investigation immediately!!!!!!

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 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delivery Financial Services, LLC
State: AZ

Complaint narrative:
The collections in question was from a hospital called XXXX Hospital that went bankrupt and shut down. All records and billing were ordered to be destroyed. I have disputed this debt and asked for debt validation repeatedly, as recently as XX/XX/2020, and have received nothing. I am not even positive what this bill is for, but I know that I had medical insurance at the time and it would have covered this debt had the hospital contacted my insurance. They can not even provide me proof that they did send it to my insurance because all records were destroyed. When I asked for them to remove it, they told me that they will not, and even if I paid it in full, they will not delete it from my credit. I thought it was a HIPAA violation as well to keep paid medical debt on a credit report, and if they can not provide me with medical records to confirm who the debt is for and what it was for, how can they still report this to my credit? I am thoroughly disgusted with the way that this entire situation has been handled. If the hospital no longer exists and did not send my insurance the information, I do not owe this debt and it needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH 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 2020-11-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a dispute letter requesting to have inaccurate items removed from my Equifax credit profile. As of XX/XX/2020 I have not received a resolution from Equifax so I sent another letter requesting that they follow the law and remove my inaccuracies ; since they did not resolve my issue within the allotted 30 days given to investigate my dispute. Equifax has neglected to comply with The Fair Credit Reporting Act, and still have not remove the inaccuracies from my credit profile as of today, XX/XX/2020. I have included copies of both letters with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 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: CA

Complaint narrative:
I disputed 3 negative accounts on my credit report EXPERIAN on XX/XX/2020 and received the results back report # XXXX XXXX out the 3 accounts XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX outcome is listed as DELETED. I have an updated credit report which shows they have been removed .However it still shows on my credit report when a merchant runs my report. I called experian spoke with a XXXX who was very rude and he confirmed the items are still showing on his end!! I gave him the dispute report number he refused to make the correct changes Ive contacted XXXX their verification is inaccurate I cant get my report from them, both XXXX XXXX and XXXX are reporting inaccurate information because of it my credit score is inaccurate and I have been declined credit!

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 2020-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: AZ

Complaint narrative:
I was misquoted mortgage refinance rate and fees associated with the residential transaction. When it came time to sign loan docs/application, the lender attempted to slip in {$3200.00} in " buy-down point fees '', not previously discussed. 

Unfortunately this feels like fraud and I wonder how many other people missed these fine print details and are now stuck with paying thousands of extra dollars on their mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I closed the American Express credit card after being an good customer for numerous years. They continued to charge me an annual fee of {$500.00}, interest charges, and legal fees ( approximately {$1400.00} ). 

American Express representatives harassed me, my brother, my parents, former coworkers, and friends on a daily ( and sometimes hourly basis ) even after they were told on numerous occasions not to contact people about my personal financial issues. They would tell these people they were attempting to collect a debt and leave long voicemail messages when people would not answer. 

Then, they filed a court case against me for their own administration and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
Comenity Bank arranges deferred interest accounts on purchases and presents them as interest free if you pay off before the end of the promotion period. I used this to purchase my XXXX  XXXX on XX/XX/XXXX. This was a 12 month offer. As you can see from the statement I was down to a {$8.00} balance on the XXXX statement. For some reason which I can not remember now I did not make the XX/XX/XXXX payment. When I received my next statement I noticed the payment was not made and the balance had increased to {$17.00}. The statement said on the third line of the statement and at the bottom on the return stub the payment was due on XX/XX/XXXX. This is the usual place consumers look for due dates. 

Comenity Bank does 2 things which is deceptive to the consumer. The end of the promotion is before the due date on the statement. As you can see on this statement the promotion period ended 12 months from date of purchase so you do get 12 months of free interest. But most consumers will look at the date the payment is due as that is the more normal and expected way we do credit cards. This is a trap set up by Comenity and they don't care. I talked to several people and all they would say is '' the charge is legitimate '' I told them I would make a complaint and that did not bother them at all. I even paid the balance shown on the statement {$17.00} that says payment due by XX/XX/XXXX on XX/XX/XXXX and they still would not change.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trust Financial LLC
State: CO

Complaint narrative:
I am currently being sued by a company in a state I havent lived in for over a decade. I have had zero validation of said debt, and no communication with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover is now requiring all credit card customers to link any Discover bank accounts with their " single login ''. I do use online access for credit cards but I never use online access for any banking. Why? Because the risks are so different. It is useful to check merchant actions to the credit card and my risk is limited to {$50.00} by statute. There is no limit to risk with on-line banking and the convenience over paper is minimal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I submitted a claim but my case closed. I sent in XXXX to a man over XXXX but the user is now listed as unregistered. The number the money was sent over to is XXXX XXXX XXXX XXXX and this happened on XX/XX/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