vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 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: IL

Complaint narrative:
The credit bureaus are still reporting inaccurate items on my credit report

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
I have submitted all the paperwork and documents asked for to three different mortgage advisors, each one tells me it has been approved and then they get transferred or promoted to another department without any contact information or paper trail. They lose everything and the papers constantly have to be resent to either the same mortgage advisor or resent the whole package several times to the new advisor. XXXX was absolutely rude and mean as she yelled at me over the phone many times and told me I deserved to be on the street and foreclosed on. Now, within the last two years my home has had over {$100000.00} in damages that I can not get any XXXX to repair because this company can not find the documents that were sent in numerous times and/or because of the level of difficulty it has been to get payment for their services ( XXXX XXXX XXXX, XXXX, XXXX, has gotten a run around for the {$3000.00} worth of repairs he did ). Since the home is in forclosure no one wants to do the repairs because they don't think the mortgage company will pay for it. Its been two years living in 4 rooms of my 21 room home with XXXX kids and XXXX dogs. We need help. I am XXXX since a car accident in XXXX, XXXX, and can not get anywhere with BSI. Loan # XXXX. Call me anytime XXXX. My ex husband left me 6 years ago and they still have his name on the loan even though XXXX got the underwriters to approve of removing him. He has not contributed a dime in over 15 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: PA

Complaint narrative:
OVER THE LAST 4 MONTHS I HAVE SENT OVER FAX AND EMAIL TO EQUIFAX AND GOT NO WHERE IM IN THE MIDDLE OF BUYNG A HOUSE SENT OVER 18 PAGES OF DOCUMENTS LIKE DRIVER LICSE AND SOCIAL SEC CARD AS WELL PRVE ITS ME WITH MY CREDIT CARDS AND XXXX  I DO HAVE CREDIT W XXXX  AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. Innovate Loan Servicing CORP. and XXXX  XXXX is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used racist connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.

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 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX XXXX, 2020, my son sent me {$40.00} dollars through Cash Appt. This is a appt own by Square Inc. according to the website. I did not know how to get the money so I called the customer service number from the website. I spoke with someone named XXXX. He said he would help me get the money. Once he got into my account he proceeded to take money and send it to someone named XXXX XXXX. I am a senior and I really don't know a lot about this, but I know they took my money. I reported this to my Bank : XXXX XXXX to investigate. They gave me a credit of {$620.00} dollars the amount they had taken until l my dispute was resolve. Last week they sent me a letter saying the company verify the transactions. I don ' t give a care what they said, I am a retired XXXX XXXX  and I don't have {$620.00} dollars to send to anyone. I questioned XXXX XXXX investigation by sending them a letter expressing my disagreement. I haven't heard back from them, so I'm waiting. Your help is needed in stopping these people from continuing to scam people who are simply living from check to check. I tried reaching out to Cash Appt. and they deleted my account and banned me from ever using the appt again. Your help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX of 2020, I filed a dispute with the Experian Credit Bureau about the unverified accounts : XXXX, XXXX  -- XXXX, XXXX XXXX -- XXXX, XXXX. XXXX  -- XXXX, XXXX XXXX -- XXXX, In XXXX 2020, I requested a removal of these accounts for 30-days non response which is a violation of the FCRA. In those 2 months I have asked several times for a response and I have not received anything from this bureaus. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you

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 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I hired an agency to speak with Sequoia financial on my behalf since I have disputed this collection on my credit report with XXXX  and XXXX  at least a dozen times. XXXX  has since deleted the negative mark on my credit but XXXX  still has not. My report shows that this debt is from XXXX when it is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've previously disputed this account with Experian. But I haven't received ANY correspondence back. Although I sent in my dispute almost two months ago! 


Experian Failed to respond to my written dispute within 30 days ( a 15 day extension was given because of Corona ) ( over 45 days ) THE LEGAL JURISDICTION IS : FCRA Section 611 Part ( A ) ( 1 ) The LAW IS CLEAR!! THIS NEEDS TO BE DELETED Immediately!!

Or I'll be forced to litigate.

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 2020-11-09 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
On XXXX XXXX,2020 I spoke with XXXX XXXX and he was EXTREMELY RUDE and unprofessional. He would not let speak he kept interrupting me and not letting me answer his questions. When I asked to speak to a supervisor he hung up on me. I do not understand why he was so rude and unprofessional. I was only trying to get some issues resolve and he wasnt letting that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Company did not or has not sent me any notice of the debt. The debt popped up on my credit on XXXX/XXXX/2020 without notice. Upon investigation I found out that they are a 3rd party agency collecting on a debt that has been proven to be an identity theft account from Colorado XXXX University. I have never attended that university and the federal loans associated with it had been dismissed. This is a FRAUD account and illegal account and attempt to collect an illegal debt. Placing it on my credit without an opportunity to contest is illegal, attempting to collect an identity theft account is illegal. Remove this account from my credit and stop all collection attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CO

Complaint narrative:
In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, XXXX, and Equifax continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX ( XXXX Equifax, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from Equifax, XXXX, and XXXX in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3  credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from Equifax showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: CO

Complaint narrative:
In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding XXXX, Experian, and XXXX  continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( XXXX  and Experian XXXX, and XXXX XXXX XXXX ( Experian, XXXX, and XXXX  XXXX still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, Experian, and XXXX  in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All XXXX credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX showing deletion of XXXX XXXX XXXX XXXX Account # 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 2020-11-09 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a notification from Home Depot that I still owed {$340.00} out of {$390.00}, on my due date of today XXXX XX/XX/XXXX, After making two payments which processed, of {$350.00} on XXXX XX/XX/XXXX20 and {$50.00} on XXXX XX/XX/XXXX. My payment for the XXXX due date processed on XXXX XX/XX/XXXX and I was current on my payments. I spoke with the representative XXXX XXXX, who tried to give me some nonsense that the original XXXX did not go towards the XXXX payment even when the payment was made after the XXXX cycles due date. I am tired of these credit card companies, for these stores, playing games with peoples payments. Payments received after a due date should be posted for the next month 's due date.

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 monetary relief
Consumer complaint received 2020-11-09 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan XXXX XXXX is reporting information to my credit report inaccurately. 

1. High Balances differs between all 3 major credit bureaus. 

2. Date of Last Activity differs between all 3 major credit bureaus. 

3. Date reported differs between all 3 major credit bureaus. 

4. Date Opened differs between all 3 major credit bureaus. 

5. Last Payment Date differs between all 3 major credit bureaus. 

6. Credit Limit is missing. This is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: IN

Complaint narrative:
I received a XXXX debit card from US Bank for unemployment out of Ohio. I'm not unemployed and I live in Indiana. Called them and had them deactivate the account also made a Police report and contacted the credit bureau.

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 2020-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, Upon reviewing my credit report, I found discrepancies on my Capital One Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to Capital One for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, Capital One, and all 3 credit bureaus, XXXX, XXXX  and XXXX.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to capital one. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I lost 2 jobs due to Covid and I have tried calling SLS loan services, but I always get the run around. I want to apply for a Covid forbearance ; my loan is backed by XXXX XXXX. I have never been approved and they always tell me that I have to keep waiting. 

Today I called again, I was told they would put in a request to see if I can get approved, but will not give me any proof that they put in the request this time. I can not log into my account to place the application due to the fact that I am on chapter XXXX and they will not allow me to view my account online unless I cancel my chapter XXXX plan. I will not be doing that. Please see the information below found on the XXXX  site. 

If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus ( COVID-19 ) and your mortgage is owned by XXXX XXXX, contact your loan servicer ( the company listed on your mortgage statement ) right away to discuss your options. 

Whether youre facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, XXXX XXXX is working to ensure you are protected. In fact, the company has directed your loan servicer to provide mortgage relief options that include : Ensuring payment relief by providing forbearance for up to 12 months Waiving assessments of penalties or late fees Halting all foreclosure actions and evictions of borrowers living in homes owned by the company until at least XX/XX/2020 Offering loan modification options to provide mortgage payment relief or keep those payments the same after the forbearance period Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property.

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 2020-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Account Management Resources
State: OK

Complaint narrative:
AMR contacted me VIA robo-call on XX/XX/2020 @ XXXX and again on XXXX/XXXX/202 @ XXXX. They left a voicemail both times, explicitly stating that it was a debt collection attempt. I have asked previously for an itemized invoice, but have stated specifically for them not to call my cell phone number as it is also a work phone. This is a 3rd party debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

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 2020-11-09 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: FL

Complaint narrative:
There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate

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