vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MO

Complaint narrative:
I have filed 2 complaints against SLS Servicing with CFPB. The last response regarding reissuing an escrow check to me from SLS Servicing dated XX/XX/2020, stated : " You should receive it in your mail in the coming weeks. We regret the inconvenience this matter has caused. '' It isXX/XX/XXXX, and I have not received a check.

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 2020-10-05 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: DISCOVER BANK
State: GA

Complaint narrative:
On or around XX/XX/2020, I initiated a dispute with Discover regarding a transaction in the amount of {$3000.00} from XXXX XXXX as a result of receiving a defective product. Essentially, the merchant did not provide me with what I ordered - a defective free product ; specifically, a sectional sofa. Nonetheless, Discover apparently closed the dispute according to my online account, but did not send me any correspondence or consider the information that I mailed to their post office box in lateXX/XX/XXXX - illustrated by the Return Receipt attached. To date, Discover representatives allege that they did not receive the documentation despite the fact that I have the attached return receipt. 

I called on or around XX/XX/2020 to follow up on the dispute as my online account reflected the dispute was closed. I requested to speak with a supervisor and was told one would get back to me within 24-48 hours. To date, I have not received a call back from a supervisor. 

I again called on XX/XX/2020 to check on the status of my dispute. I was told to fax in the supporting documentation which I did. I followed up again on XX/XX/2020, and spoke with a representative ( XXXX ) who communicated that the charge was still in the dispute phase and it would not go back on my account ; however, the charge is now back on my account. XXXX alleged to be a supervisor and assured me that he would monitor my account and the charge would not go back on my account. 

Today, XX/XX/2020, I spoke with XXXX ( XXXX ) who alleged to be a supervisor who communicated that they don't have any of the documentation I submitted. Ultimately, she was ineffective at communicating and did not resolve the matter. When I asked to speak with a supervisor above her, she alleged that none were available and nothing can be done about the transaction in question with no documentation confirming that the merchant promised me a credit. 

Ultimately, with that logic - Discover should not have disputed the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CA

Complaint narrative:
XXXX continue too not help in this matter ive not had a chance card

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 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX I received a notification from my credit report that my score had an alert. the alert was from Bank of America for a late payment. I had received no alerts, no notifications, no emails or bank statements and I told them as much. I was experiencing COVID hardship, which I also told them, and pointed out that they had not provided any information on how to request a COVID hardship forbearance. Several employees I spoke to also were unaware of where information about getting a COVID hardship forbearance even was. I contacted Bank of America multiple times to attempt to resolved but they were unwilling to do so.

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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.

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 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX  XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I was called by TekCollect about a medical debt that I was not aware of. The representative then insulted me and said I need to " learn how to pay my bills on time. '' When I told him that I was not aware of the debt and that I wanted to proof of the debt he then told me he wasn't going to send me anything and that I just need to pay it. I then told him that he can speak to my lawyer because I felt as if this was a scam. I gave him my lawyers number but he has never reached out to him. He then called me back a few weeks later and I told him again that I wanted this to be deleted off my credit report. He told me to pay the debt even though I had no documentation from his company showing me where this was indeed my bill. He then was very rude and told me he wasn't going to send me anything. The verbal rudeness continued for thirty minutes finally he gave me an email address of a " supervisor '' I emailed the supervisor but I still have not heard back from anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 at approximately XXXXXXXX XXXX I contacted Equifax to inquire about a 5 point drop in my credit score. The reason for the drop was due to a " missed payment being removed '' a missed payment from XXXX XXXX XXXX  being removed from my account that occurred almost five years ago. As a standing practice, any negative items being removed from a consumer account is a positive change not a negative change. Yet Equifax used this as a negative impact on my credit score and my score was subsequently dropped 5 points. In addition, when I contacted Equifax about this negative change on my credit score ( which they caused ) the representative stated that I would have to pay Equifax {$10.00} to review my account. This appeared to be an unethical business practice. They purposely reduced my credit score when the removal of a late payment should have either raised my score or kept it the same. It seems that they were hoping I as a consumer would call about a fictitious incident they purposely caused just to charge me to fix or dispute it. They would then fix their premeditated mistake while banking the {$10.00}. This sounds like something out of the XXXX XXXX playbook that is now being implemented by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan was sold to Shellpoint in XX/XX/2020. Since they have been servicing my loan I have been blocked from making additional principle payments. I have called several times and it has not been corrected. The first couple of months they kept telling me to wait. According to my loan, it's my right to make additional pre-payments towards principle in order to payoff my loan sooner. When I called in XXXX, I was told I must submit a {$15.00} payment in order to make additional principle payments, they informed me that I could not pay over the phone or online, I must mail it in. I did not owe {$15.00} towards my loan and I'm still confused about why I needed to pay in order to make additional payments. I mailed in the {$15.00} check on XX/XX/2020 and the check was cashed but not added to my account history as if the payment was never made. I don't feel like I'm being treated fair and now I have almost a whole year that I'm paying towards with no additional payments which will cost me triple the amount in the future. I just called again today XX/XX/2020 and was told to prove I paid and send a copy of the check using the online portal. I just complete that process. Today was the first time I was given these instructions. I feel they are doing this on purpose, they know they make more money over time. My mortgage have been serviced by 7 lenders and this is the first time I have not been able to make additional payments and have been charge a fee to make payments. I even paid the extra money in my regular payment to cover it and they still didn't allow me to make additional payments. Please help. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Conn's, Inc.
State: VA

Complaint narrative:
CONN 'S HOME PLUS CONSUMER ACCOUNT ( FURNITURE ) OPEN ACCOUNT AT STORE : XX/XX/2020 FIRST PAYMENT : XX/XX/2020 XXXX {$400.00} ) FIRST PAYMENT POSTED : XX/XX/2020 XXXX {$400.00} ) SECOND PAYMENT : XX/XX/2020 XXXX {$220.00} ) SECOND PAYMENT POSTED : XX/XX/2020 THIRD PAYMENT/POSTED : XX/XX/2020 XXXX {$220.00} ) FOURTH PAYMENT : ( for XXXX XXXX XX/XX/2020 XXXX {$370.00} ) not posted (? ) by Conns FIFTH PAYMENT : ( for XXXX ) XX/XX/2020 XXXX {$140.00} not posted (? ) by Conns -No billing statements or bill summaries to date from Conn 's since account creation -No credit card issued to represent my active account -No billing activity, payment activity, account number available online via account login -Contact made with Conn 's via ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and received no assistance ; transferred repeatedly to different departments that claimed not the be able to offer me assistance -I made contact with a local store manager " XXXX '' XXXX VA at ( XXXX ) XXXX -Online bill pay via my online account is not capturing my payments properly -Given several different addresses for corporate office, CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; CONNS XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I have asked the company to send me the original signed contract, pay off disclosure, interest rate disclosure, balance history, payment history and credit insurance. They have not provided these documents to me but, they are still reporting the account as verified as 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 2020-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Started conversation on XXXX with XXXX on XX/XX/XXXX about the XXXX adjustable 552 weights she was selling. This continued to email on XX/XX/XXXX ( XXXX ) to discuss if I was interested since shipping would be an extra {$37.00}. Conversation continued after debating price on XX/XX/XXXX. The seller asked for money transfer via XXXX XXXX, XXXX, XXXX. I do not have either of these extensions and I suggested Zelle. The seller then offered her cousin 's email XXXX. 

I confirmed payment of {$250.00} with a screenshot of Zelle to the seller on XX/XX/XXXX at XXXX XXXX, which she responded she would send the tracking number when shipped tomorrow. 

I have not received a tracking number or responses from the seller or her cousin that I reached out to on several occasions : XXXX XXXX Message : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX : XXXX Since the realization of a scam, I have called Zelle to ask for my money back, contacted XXXX on XX/XX/XXXX and I have filed a police report. When I contacted XXXX XXXX  / Zelle, I was not granted any assistance on the matter. I called a second time to cancel my connection of Zelle to my bank account. Zelle helped me become a victim of this scam. I still do not have a response from XXXX on the situation. 

I continue to follow up on the matter and a simple XXXX search led me to another XXXX thread about the same group of individuals completing a scam. I have attached this information below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: VA

Complaint narrative:
This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account was open fraudulently under my name. I have tried to call this company several times to report this is fraudulent account and hangs up constantly. Finally got somebody on the line and they won't help me.

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 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/2019 {$1300.00} Natlcrys - XXXX XXXX  XXXX XXXX XXXX Trying to get me to pay something I am not in debt too. They are basically saying I have debt with them. They reported me to collections and now my credit score dropped.

Company response to consumer: Closed with explanation