vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable  conclusion has been determined.

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 2020-05-15 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Boa se

nt a 30-Day late payment to the credit bureau during the pandemic. I paid off my mortgage making the last and final payment. The 30-Day remark should be immediately removed from credit report. This voilates the cares act.

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 2020-05-15 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I became aware of inaccurate information listed on my credit reports by Credit Collection Servic. I requested validation, competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. On XX/XX/2020 I received a dispute acknowledgement along with an itemized document. 

On XX/XX/2020 I made a second attempt to resolve this matter by informing Credit Collection Servic referencing FTC Opinion letter from Attorney XXXX XXXX XXXX that a printout of a bill or itemized document does not constitute verification. I have not received a response back. 

Furthermore, I mentioned in my second dispute the unfair inaccurate reporting of not just the account status but of the account name. Credit Collection Servic listed the mention account under three name variations I believe acting in bad faith. Credit Collection Servic, Credit Collections Services and CCS Collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2020 I called Chase Card Services about questions about possible overcharges during the first 3 months of the year. They briefly looked at my account and indicated they everything looked OK. They then advised me to send them correspondence with more details. On XX/XX/2020 I sent the company a detailed letter with copies of 3 months of statements, XXXX, XXXX, and XXXX detailing how Chase 's auto-pay program deducted more than the purchase totals made during the statement periods. I asked for an explanation since my account doesn't accrue interest because the entire monthly balance is paid in full. 

I stopped the Auto-pay in XXXX because I realized there appeared to be a problem with the amount being deducted by Chase Auto-pay versus the statement balance. 

Chase replied to me via a letter dated XX/XX/XXXX, telling me how to set up Auto-pay. The balance discrepancies I asked about were not mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
Recently, I made a payment in the amount of {$810.00} for XXXX bill ( XX/XX/20 ).  Apparently, payment got rejected because of a blank check? I send out screenshots from my XXXX bank statement and as well a letter from my bank institution confirming that the payment went thru. Also, it reflects on the Rushmore Loan Management website that they took the payment but the system did not update because the check got rejected? Now when I am trying to make a payment for XXXX it still shows that the XXXX bill is still due and is charging me late fees. Their time response to this matter has been frustrating, specially for people who have been affected by COVID19. I have also received several letters claiming that checks that have been sent forward have been blank checks which I have resolved with my bank institution which I am sure there was a clerical or system error from my bank institution. The letters that have been sent has almost made me feel like a criminal. This has caused me severe XXXX  and XXXX in trying to resolve this matter. I really wish XXXX XXXX was still servicing my loan. Rushmore Loan Management has performed poorly in servicing my loan since it was taken over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: IN

Complaint narrative:
Allied Interstate placed a collection against me in someone else 's name, contacted the company only to be told they couldn't help unless I gave them my social security number. Called the company they supposedly represent and they have no record of me owing a debt

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 2020-05-15 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: PA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, Inc. ( SPS ) services mortgage holder XXXX XXXX XXXX XXXX   ( a Delaware statutory trust ) will not provide forbearance without a balloon payment at end and that is not going to help me. My Wife has and currently care taking her now deceased mother and can only work several hours remotely, thus our combined income is severely lessened. As a business owner impacted by the XXXX we are dependent upon my business to make expenses and stay liquid. 

Please Help XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have four variable rate student loans that are serviced by XXXX XXXX XXXX. 
The lender is identified on their site as XXXX. 

I looked everywhere on their site to determine how my variable interest is calculated, and when late fees and interest kick in. I was in a position in XXXX where I might need to make a late payment for the first time in years. 

I could not find the variable rate information anywhere on their site. 
The only late payment information I could find indicated that no late fees would be assessed unless the payment was made more than 30 days late. 

I contacted XXXX XXXX on XX/XX/2019 and asked how my variable interest rate was calculated. 
On XX/XX/XXXX they responded, and indicated that my loan was linked to the 91-day T bill and that my payment was 3 days past due. 
That same day, on XX/XX/XXXX, I emailed them back to let them know I would make my XXXX payment on XX/XX/XXXX. 
They failed to respond, and did not indicate that paying on the XXXX would generate any fees or impact my interest rate. 

On XX/XX/XXXX my interest rate went up 1 % to 3.486 %. 
When I called XXXX XXXX on XX/XX/XXXX to ask what happened, they told me that because my payment was more than 15 days late the interest rate was now 1 % higher ... for the life of the loan. 
I was astonished, and emailed XXXX XXXX to complain further. 
They ignored my question relating to why they did not respond to my XX/XX/XXXX email where I explicitly told them I would make a payment on XX/XX/XXXX, and they confirmed that the 1 % interest rate increase was permanent, effectively charging me an additional ~ {$10000.00} over the life of the loan. 

I have attached the email exchange, and my latest statement ( pg. 2 shows the rate jump from 2.486 % to 3.486 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Services
State: TX

Complaint narrative:
XXXX XXXX Account REceivable Services has repeatedly called friends, telling them my business, calling and threatening to have me arrested, and sued, and seize all my belongings. This began on XX/XX/2020. I have told them to stop calling me, and stop calling my job and my friends about my personal business, but they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

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 2020-05-15 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
RE : Acct. # XXXX After reviewing my XXXX  credit report I noticed a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX . I contacted them to dispute this account and provide me with contractual evidence that this account belonged to me. After answering several questions it was determined by the agent the account was fraudulent. I was told that the account would be removed from my credit reports. This account is still reporting on my credit report and adversely affecting my credit profile. I am requesting this account be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
COVID-19 has temporarily laid off my employment opportunity. I immediately contacted Select Portfolio Servicing that handles my mortgage and was told a deferment was set up at my request for 90 days. However, I constantly receive billings indicating I owe late fees and late payment! Where is this so-called COVID-19 help?! I complained to the SPS Ombudsman in writing but no answer. I struggled to enclose payment for XXXX. XXXX 's payment will come very late as I am trying to raise funds to cover it.Today is  XX/XX/2020, and not one word from SPS despite its letter dated XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: GA

Complaint narrative:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

I am attaching all the documentation that was submitted to all 3 bureaus ... ..none of the items were investigated or blocked and removed within the 4 day window to block and or remove per the Identity Theft Affidavit submitted or the 30 days allowed to investigate and therefore all the items listed in the attached documents by law should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NC

Complaint narrative:
It all started in XXXX of last year when I got my report from Experian and saw things that was not mine. I decided to work on getting those things off my credit report. From the time I started repairing my credit up until now I have seen my right violated. The beginning of this year my rights has really being violated, and I have had enough! 

I sent out a dispute letter to Experian on XX/XX/2020 which was delivered on XXXX the XXXX disputing 8 inaccurate accounts demanding to see verifiable proof with my signature to verify that these accounts were mine. They had 30 days to reply according to the Fair Credit Reporting Act, which they sent me nothing. They had already violated my rights by being 30 days late. On XX/XX/XXXX I sent out a non-response letter which was delivered on XX/XX/XXXX I put some leg work or to say my DUE DILIGENCE to get them some proof that these accounts was inaccurate on my report. XXXX XXXX refuse to send me anything and XXXX XXXX sent me nothing! I asked Experian the question, If XXXX XXXX, and people refuse to send me anything ; how are you verifying, and validating this information? They finally sent me a one page something on XX/XX/XXXX which all it had on their was a list of accounts I disputed which wasn't all of them, and they had a account on their twice which is now reporting on my credit report twice! That has caused my score to drop badly!! Now that response letter was to the letter I sent on XX/XX/XXXX. 

After sending out that non-response letter on XX/XX/XXXX, they sent me back a response on XX/XX/XXXX with just two creditors on it which was the wrong creditors I never disputed those two accounts and now my two credit cards has been suspended because of this false reporting by Experian, and I really think they did that on purpose!

I just sent out another letter with all the violations of my rights and stated to them that I plan on reporting them to the FTC, CFPB, and the BBB as well as getting a FCRA LAWYER. Experian has really messed up my credit and they are still saying that all has been verified!

PS. If you need more information such as all my files I have I will send it to you, it's a lot of pages to upload.

Hope you can HELP Thanks, 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 2020-05-15 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: PA

Complaint narrative:
EQUIFAX FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I noticed a suspicious trail of mortgage emails this morning at XXXXET. I made contact with the mortgage broker, loan officer and with no success emails or phone calls were unanswered. I seen where a mortgage loan was being processed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: AZ

Complaint narrative:
Last month my stimulus check was deposited into an old Netspend account that I no longer had a card for. I requested a replacement card via the automated service and still have not received it. I have called every day at all hours of the day or night, and no one answers the phone. I have also emailed them three times with no response. I have been on hold for over an hour only to be disconnected. I am an out of work single mother and need that stimulus. Can you please help me resolve this issue? I am angry, frustrated and just want to know when my card will be sent. Thank you for any help you can provide.

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