vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: WI

Complaint narrative:
Attempted to sign into Experian to view credit report. They have an incorrect email on file so anything I do is sent to this email which isn't mine. I have no access. I do NOT have an email that ends with 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 non-monetary relief
Consumer complaint received 2022-03-22 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: MA

Complaint narrative:
Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. XXXX and Transunion both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital System at XXXX XXXX XXXX XXXX XXXX, Mn XXXX has been sending me collection notices in the amount {$2700.00}. The collection has been reported as a pasted due balance. i do not know this company.I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Nelnet, Inc.
State: GA

Complaint narrative:
Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: GA

Complaint narrative:
I have variuos accounts that are in accuratley being reported and are detailed in the letter I am attaching

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Financial Freedom Mortgage, LLC
State: NJ

Complaint narrative:
I have the same complaints others have written to the XXXX  regarding this company. I see no need to repeat as it appears to be a pattern of behavior with them. Approximately during the week of XXXX XX/XX/2022, XXXX XXXX ( VP ) came to our home and lied about the time it would take to apply and close on the loan. He stated approximately two weeks and it has been over a month since any progress has been made other than our having paid {$480.00} for an appraisal that they were quick to have completed. At this time, we still have not received a copy of the appraisal or a copy of our documents that were signed and completed during his visit. My husband has called numerous times and very seldom makes contact with anyone or just receives voicemail. When he does actually talk to the loan officer XXXX XXXX he continues to be given the run-around in having anything completed or sending over a copy of our appraisal. I've been told this is a ploy that is done by some loan officers in order to delay the completion of any refinancing with other companies as the only way we can move forward, would be to pay for another appraisal. This we will not do. If the matter is not settled quickly, we will be contacting our lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: CO

Complaint narrative:
I have made many attempts to make payments to my mortgage company. However, there is such a long hold time during business hours that I can not stay on hold while at work. I risk losing my job. When I am finally able to get ahold of the company to take my payment, they REFUSE to take it. They tell me I have to pay with certified funds the full amount to be current. I have the full amount, but can not pay them in certified funds via XXXX XXXX as they demand because Guild Mortgage only allows for payments up to XXXX via XXXX XXXX. I'm also unable to access cash. I offered to do an ACH, wire transfer, or even electronic check. They refused all funds except cash, which is impossible. Since when can a mortgage company refuse payment? I've never had a payment returned. They won't allow you to make payments online after hours if you're even one day late. They remove your ability to do so. This lender knows that the value of my house surpasses the mortgage by 200 % so I believe they're trying to force me into foreclosure. These predatory practices after covid are far more prevalent than people think they are. Guild Mortgage refuses to take payments in full from borrowers.

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 2022-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: FL

Complaint narrative:
It is unfair that you can't make a payment only towards to the principal especially when you're enrolled in auto pay. I spoke with a supervisor named XXXX and she stated that the only way I can have my payment to be applied to the principal is if I make a payment the same day my autopay is drafted. I feel that this company wants you to owe them forever. No one can explain things. Its horrible, I wish I can switch to another financial company.

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 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
spoke to rep XXXX  XX/XX/XXXX @ XXXX rep stated a new payoff quote was genereated on XXXX that should have been used ( showing their escrow disbursement ) I explained we sent the payoff one day before that quote was generated XXXX so that would not have been possible. 

I let her know that tax check was cut and sent XXXX and cashed XX/XX/XXXX. I asked if their cash check has been cashed and she stated it still shows as " processing ''. They sent their tax check on XXXX, the county confirmed they have NOT received a tax check from the lender, only from escrow. She asked that I send proof of tax payment to XXXX ( sent XX/XX/XXXX ). 

THEY ARE REFUSING TO SUBMIT PROOF THAT THEY CUT AND SENT THEIR TAX CHECK ON XXXX She finally said that she would go ahead and place a stop pay on their tax check. She asked that I give it a day to Process ( tomorrow XX/XX/XXXX ) and call back on XXXX. 

She also said she is putting in a note in the system that if their stop pay goes through, that I am requesting for our original payoff amount to be honored. 


Called back Monday to be told they never placed a " stop pay ''. 

WE ARE WANTING SPS TO HONOR THE DATE OF THE ORGINAL PAYOFF SENT ON XXXX AND TO REFUND US THE INTEREST THAT WAS COLLECTED FROM THAT DATE ON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
These guys are reporting 4 fraud accounts. They have sent people to my house to harass me for these debts to the point of having to move and have to seek XXXX  for XXXX from the harassment and stalking. Nobody sent me notifications about these debts until someone showed up at my door. I have requested receipts of mail sent or a signature from the originating company to prove these are my accounts from both the collection agency and original creditors with no avail. Only copies of monthly ledgers that I could easily create with any computer or transfer information from one account to another. No signed contract or signed receipts to even prove that I opened the account. The other problem is these guys are still reporting these accounts to the credit bureaus and anytime I try to contact them I either get hung up on or no return call or email. If the debts are owed to XXXX, why am I being directed to a Resurgent website for payments? This feels like a scam and someone just looking to profit without proof.

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 2022-03-22 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America, loan officer, XXXX XXXX XXXX, still struggling with reporting my pre-approval application after almost four months. Have someone who wants to put title of his property in my name, but, being delayed due to this.

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 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Nelnet, Inc.
State: GA

Complaint narrative:
Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
It was brought to my attention that EOS CCA claimed an alleged debt under my social security number. I disputed the Account asking for proper verification documents. EOS CCA failed to provide me with original documents with my signature. And continue to report these inaccurate reporting 's after failing to verify identity of said accounts. Violating both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: OH

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I spoke with Navient on XX/XX/XXXX, requesting to lower my payments. I was offered a graduate plan for {$190.00} per month. I was told that due to a system error the changes could not be made on XX/XX/XXXX. I was instructed that my loan was forwarded to the technical department to correct the error message. It was stated that the plan change would take plan in a few days. i was also instructed that one of my loans was paid ahead up until XX/XX/XXXX and the loan due date would need to be changed to XX/XX/XXXX before the graduated plan started. As of today, XX/XX/XXXX I am still waiting for the graduate plan changed to lower my payments. I told that the error message " remove auto-payment '' is still on my account and I must continue waiting until they can resolve the technical issue in their department. Also, I don't have auto-payment on my account. This error will affect my credit bureau and also my daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
We started to Refinance our rental home in XX/XX/XXXX after receiving a letter in the mail with the amount they can save us on payments. 
We are still in this process and we are constantly sending information over to the underwriters. Every couple months we are resending bank statements, P & L from all of our businesses. In XX/XX/XXXX we have a new loan processor and she requested items that we had already sent but we sent again. In XXXX they requested our XXXX XXXX 's. We sent them our tax forms that we file to the IRS and are completed by a certified accountant. My husbands computer crashed and now they want to request a copy of the W2 's from the IRS. So we signed the papers in XX/XX/XXXX for them to get copies of the W2s. After sending more bank statements and P & L statements for our multiple companies and all bank account information again in XXXX. Now they have assigned the house to be appraised again ( we had this completed in XX/XX/XXXX ) On XX/XX/XXXX we and to send all of XXXX statements again and then they had to run our credit again on XX/XX/XXXX. Of course by now my husband had to purchase a new bus for his business and we have to submit all of this paperwork. Then on XX/XX/XXXX they want all current pay stubs and information on a previous employer for my husband. XXXX XX/XX/XXXX they also wanted a release to check our credit report ( they already did this we get the notices ) so we sign this after the fact! On XX/XX/XXXX they needed more information and we did not respond because our son was getting married. My husband did send them the information on XX/XX/XXXX and then on XX/XX/XXXX requested the same information. And today they requested more bank statements and P & L for our businesses and for us to sign another form to request more W2 's from our taxes in XXXX and XXXX 's again. I believe this has all been a stall tactic because they hold our loan at a higher rate and we received the letter to receive part of the refinancing at no charge. Now to switch to another lender we will not be locked in at this low rate. This company is a joke.

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