vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-11 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: TN

Complaint narrative:
Upon checking my XXXX XXXX TransUnion credit report I find that there are 26 and 20 hard inquiries that are Fraudulent and I want them removed expeditiously. I have sent sever disputes to XXXX and is getting told that the information is accurate when in fact I have no knowledge of these accounts. The accounts that are Fraudulent are as shown : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX  Service : Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX of XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX An XXXX XXXX # XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX amount {$690.00} XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX FXXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX : Inquiry date 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
Consumer complaint received 2021-04-11 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: NC

Complaint narrative:
I have sent out letters to Equifax and XXXX XX/XX/21 and XX/XX/21 disputing inaccuracy for addresses and employers.. This is fraudulent information. The listed addresses and employers are not mine and requesting to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: NJ

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom this may concern : My name is XXXX XXXX XXXX. I have written to the credit bureaus numerous times, in hopes of disputing incorrect information on my credit reports. I have reviewed all incorrect information, and each time I have been asked to contact each individual agency should I contest any findings. This is a time consuming process, in which each bureau should take very seriously. My frustrations lie in the fact that each bureau reports differently, including different scores. Most times different bureaus have outdated information, which should be updated once a dispute has been challenged with one of the respectable agencies. THIS IS NOT THE CASE!! 

The purpose of this letter is to inform you that, while I understand the need to fact check, some concerns DO fall short. As was the case with my initial dispute. On XX/XX/2021 at approximately XXXX EST, I reviewed my credit report. Per usual I looked over EVERYTHING attached to MY name. 
I came across a few unfamiliar addresses. One of the addressed were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX. My XXXX search yielded a name of XXXX XXXX, and a business name of XXXX XXXX. 
A number did pop up of XXXX. A woman answered by the name of XXXX. I inquired, why my name was attached to her business. She advised that she was physically located in Arizona. For this reason this company should be thoroughly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian & XXXX  several times to remove old addresses or address information that is not accurate in my profile. There's one address on file that's over twelve years old and should be removed off my credit profile and they have yet to remove the old outdated address of my credit profile. This information is preventing me to move forward in my life for I do not live at this address any longer. It is also violating my rights under laws that prevent this from happening and they want honor those laws. The second address on my credit profile is an address that I have never lived and must be fraudulent. I am writing a complaint to you because I have provided Experian with the information and they claimed to have reached out to the creditors that or on file associated with these addresses, but have not provided me with the proper information to resolve the issue.

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 2021-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
We had our mortgage financed through AmeriHome. We refinanced in XX/XX/2020, with XXXX. We are owed an escrow refund of over {$3000.00} from AmeriHome. We have called several times since XXXX and have been given various responses saying, the check was on its way. The company clearly has our correct mailing address as we have received our tax paperwork stating we have received our escrow check ( which we have not received ). Each time we call, it is a 1+ hour ordeal and they assure us we will receive our escrow check by the end of the week. When we ask to speak to a supervisor, there is never one available. We are assured one will call us back within 48 hours and that never happens. 

When you contact AmeriHome and provide our account number, they will initially say it is an inactive account ( or something similar ) because the loan has been paid off, which adds to the difficulty of getting our escrow check. 

Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I have an acct with current card acct number XXXX and i also have another acct with them for some reason when i lost my card and they were suppose to send me a new card they sent me a whole new acct number also so XXXX  has been putting my stimulus money in the acct XXXX witch i open so long ago i dont remember the phone number or email i used at the time and dont have access to them anyway i have sent my picture of my id in to them all the correct info of my adress and ss # and i. Still haveing problems getting to this acct i have been trying since XXXX to get this resolved they kept the money and didnt send it back to irs for me to get the money from them they kept it and now wont let me have access to it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: CA

Complaint narrative:
Hi please help, I sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I originally wrote Transworld systems ( TSI ) about a {$140.00} collections they put on my credit report of XX/XX/XXXX for a XX/XX/XXXX XXXX XXXX utility bill. I wrote and called to both XXXX  and XXXX  in XXXX and XX/XX/XXXX and showed proof that I didn't owe it and they all refuse to take the Transworld collections off my report. TSI put a collections on all three credit bureaus for a Utility bill that originated from creditor XXXX XXXX. The house where the XXXX XXXX bill originated from was sold in XX/XX/XXXX and the XXXX XXXX utility bill originated in XX/XX/XXXX. I had already MOVED and SOLD the house IN XX/XX/XXXX. All outstanding bills were settled or transferred to the new owner. I was not made aware of this bill because I did not live at that house since XX/XX/XXXX and never received notification although I had a change of address with United States postal service and all mail was being forwarded by United States Post office to my new address. I sent Transworld Systems copies of the notarized documents showing the sale of the property in XX/XX/XXXX. I also enclosed United States Postal Service mail forward form from XX/XX/XXXX showing that I moved at that time. 
Based on the aforementioned, Trasnworld system should remove the collections from my report. I even I called Transworld systems numerous times and they keep giving me the runaround and told me to call the XXXX XXXX. Transworld systems is the collection agency for XXXX XXXX and there is nothing XXXX XXXX can do. Transworld is responsible for the collections that was put on my credit reports. I called XXXX XXXX, I disputed the collections with XXXX XXXX  and XXXX, but XXXX was the only one who removed the collections. XXXX and XXXX will not take it off because transworld will not budge and do what is right despite me writing, calling and showing them notarized documents that I sold the house in XX/XX/XXXX. 

I even paid the {$140.00} because I'm trying to refinance my home and although it is paid and wrote to every high authority at Transworld system they will not remove the collections. This is a form of oppression to keep my credit scores low so I will not be able to obtain a better standard of living. I SOLD THE HOUSE and THE THE BILL WAS GERNERATED AFTER the sale and I showed proof. The bill was generated and sent to collections years AFTER I MOVED! There is nothing I could have done to have known about this bill or paid since I moved out of the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
We are attempting to payoff our mortgage. However, our attorney did a title search and discovered our original mortgage company ( XXXX XXXX XXXX ) sold our mortgage to two separate entities. The timing of these sales of mortgage were close enough together that a title search would not have revealed the prior sale. 
Currently, we have deposited the funds ( {$79000.00} XXXX to payoff our mortgage with our attorney pending satisfactory resolve of this issue. These funds are being held in his escrow account. The problem is the payoff supplied by our lender was only valid through XX/XX/2021 and the servicer ( Select Portfolio Servicing Inc. ) failed to answer how this matter would be cleared up. Instead, they simply indicated who one of the mortgage owners are. 
To date, Select Portfolio Servicing , Inc. has failed to answer us or our attorney as to whether both mortgage owners will file a satisfaction piece once our mortgage is paid off. Our concern is the servicer will attempt to add additional fees, late charges and/or adverse credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
This is my second complaint filing with the Specialized Loan Servicing. I have been dealing with them for a year now since the pandemic began to try and get my loan modified. I own a small business, a bakery, that has suffered from the pandemic and was in need of mortgage relief. I sought a forbearance early on, was denied, and then finally received one. After additional requests I received a forbearance for 12 months. 

I have sought to modify for my loan repeatedly for months. I have sent document after document, spent hours on the phone, been yelled out, lied to and hung up on. I have received the same letter requesting the same documentation. I have sent the same documents over and over. Even though I have repeatedly said I can get help paying my mortgage so that I can keep my home, my modification was denied twice because I missed the " parameters of the program '' by 1 %. I begged to speak with someone who could help, make decisions about my case. Every letter that was sent to me included the name of someone and a teller number, but I was never permitted to actually speak to that person. There is never a direct line or extension number. While I have been transferred I nearly always am hung up on when I am transferred. 

Following my last complaint to CFPB, I received the explanation of why I was denied the modification, and then received the exact same forms to apply again. The letter to this regulating body included the name of another " teller '' and included the number to " XXXX XXXX  '' should I have any questions. The " XXXX XXXX '' number goes to voicemail automatically. A human being never picks up. I left a voicemail BEGGING for a callback. I never received one, even though the voicemail promises a callback within 48 hours. I continue to struggle to speak to a human being that can make any definitive decisions regarding my mortgage, which will no longer be in forbearance as of XX/XX/XXXX. 

I am again filling out a modification request. i am including documentation that I can get monthly help. If I COULD JUST SPEAK to someone when I fill out this application, I'm sure I can qualify for a modification given THAT IC AN GET HELP PAYING MY MORTGAGE. I don't understand how this is not preferable than my foreclosing.

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 2021-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: ID

Complaint narrative:
My wife and I talked to the company on the phone. I asked to be sent the breakdown/proof of debt. I was sent a bill with no itemization just saying that I owe {$320.00}. I disputed this with the previous company and they then sold it to this company because it is not owed. I had state insurance in Washington at the time of this bill which the previous company told me was the case. Unless the hospital gives me something to sign acknowledging my insurance would not pay for a service I can not be charged. The hospital had to accept payment from the state as payment in full. I tried to tell this to the rep over the phone and they said they didn't know anything about this debt except the amount. This is a wrongful debt, they can not provide me with itemization. This needs to be closed completely, not reported and not sold to another agency for me to continue to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX  has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.

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 2021-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, XXXX has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. XXXX NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: CA

Complaint narrative:
OnXX/XX/2019 and XX/XX/2019 I closed 2 accounts with Chase. Both accounts were settled in less than full amounts and Chase Bank told me there would be no impact to my credit. Only that I would have to pay taxes on the settled amount. 

Since then, my accounts are showing as late, and or, missed payment with every credit bureau. I have disputed this several times with them and they will not change the status with the credit bureaus. I believe this is a malicious attempt to punish individuals who settled with them. I have settle other accounts before and after, and they are the only company who reports like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The original borrower filed Chapter 7 in XX/XX/XXXX and bankruptcy was finalized and discharged XX/XX/XXXX. The last payment made was XX/XX/XXXX. The owner left the country and transferred property to me after I helped bring property current on XXXX XXXX dues and more than 4 years passed. The statue of limitations on time barred debt passed and she was still insolvent, and unable to pay XXXX fees. I paid over {$60000.00} to bring the property current and stop an XXXX foreclosure. However after the property was transferred to Nationstar Mortgage from XXXX XXXX, they filed a notice of default in XX/XX/XXXX and I believed I was responsible or I would lose the property. I had someone knowledgeable of Loan modifications and foreclosures help communicate on my behalf with Nationstar Mortgage. XXXX XXXX from the non-profit ACCE helped provide contact information for XXXX XXXX, VP of Litigation at Nationstar Mortgage. He was able to rescind the XX/XX/XXXX foreclosure sale. She also provided a contact XXXX XXXX at Nationstar Mortgage who helped facilitate a loan modification. I didn't know that time barred debt was not legally collectible from me or that a debt discharged in bankruptcy could not be modified. Nationstar allowed the modification to the original debtors loan even though she was living abroad. Without her financial information I was able to use my own financial information and added as a co-borrower to the loan modification. The loan never added my name when it was temporarily granted and XXXX XXXX assured it wouldn't be a problem. I thought I was responsible and I made over {$17000.00} in payments covering 9 payments. The original borrower or debtor never communicated with anyone at NationStar. In XX/XX/XXXX Nationstar foreclosed and sold the property to XXXX XXXX XXXX XXXX XXXX. I hired attorneys to represent myself and the borrower not knowing that this was illegal and I was being defrauded by the law firm as well. The original debtor never signed am agreement however she's named in the lawsuit without being present or afforded due process. I've spent over {$300000.00} in legal fees and {$200000.00} in bond payments to XXXX superior court.

Company response to consumer: Closed with explanation