vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XXXX  could not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX  and experian..this account has obviously been reaged another violation

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 2021-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
One Main Financial makes harassment phone calls telling you that your loan payment is due while the loan is in its grace period. The bill is not late until 10 days after the due date, yet they call you everyday harassing you until you pay it. This is not how loans work and this is bad customer service. I didnt agree to a loan to be harassed. If I am not late according to my contract, you have no reason to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The mortgage service company, Specialized Loan Servicing, their website, https : //www.sls.net/, mistook reporting to my credit report that I have Forbearance/ Natural Disaster/ Deferred. However, I have paid my mortgage on time every time and I never apply for any Forbearance/ Natural Disaster/ Deferred for the mortgage. I had request from their website to correct the wrong information XX/XX/2021 XXXX XXXX. They respond they will review. Because I am refinancing my mortgage, so I called them XX/XX/2021, to request them correct the record and send me an E-mail or Letter to address I have never in Forbearance/ Natural Disaster/ Deferred. I need the letter to the refinancing lender. Their employee had confirmed I don't have any Forbearance/ Natural Disaster/ Deferred and will send me a letter and E-mail. However, I don't receive any letter and they still don't correct 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 2021-02-13 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: Sequoia Financial Services
State: CA

Complaint narrative:
For over 2 years Sequoia Financial Services has been reporting several negative medical collection accounts under my name. I really believe it's someone with the same name because they can not successfully verify these counts belong to me. Please help me. 
Over the last 24 months, I have requested proper investigation and correction of these inaccurate reportings MULTIPLE times to absolutely no avail. We are now looking to purchase a home in the current market and it is IMPERATIVE that this is corrected immediately. Please help me. Since Sequoia refuses. Now they just don't even bother to reply to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 VIA USPS certified mail. You can track this package using THIS tracking number. 

Usps tracking 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 2021-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently sent dispute to capital one regarding a late payment, they have yet to remove this information. This late payment should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: IN

Complaint narrative:
I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: LA

Complaint narrative:
I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY XXXX, XXXX  AND EQUIFAX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE XXXX  XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern : Hello Dear CFPB Staff, I would like to follow up with you in regards to the SLS Mortgage Company adding a foreclosure fee to my monthly mortgage statement calling it a Corporate Advance Fee of {$110.00} applied to my mortgage statement on XXXX 2020, while my mortgage loan account was in forbearance due to COVID-19 and there was NOT suppose to be any type of fees during this time to be charged to my account as it was a temporary relief for a limited period of time. I was clearly told by SLS mortgage company staff while your account is in forbearance there will NOT be any kind of fees applied to your account. Please help me resolve this matter of removing the fee of {$110.00} from my SLS mortgage loan account asap. 

I attached/uploaded the recent mortgage statement as reference for your review. Please feel free to reach me, if you have any further questions at the contact number below. 

Sincerely, XXXX 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 2021-02-13 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: MI

Complaint narrative:
I Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXXXXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to 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 2021-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank contacted my sister about a debt. My sister lives in different state that me. They have been repeatedly contacting her and I never gave them permission to contact or her or her contact number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed 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 2021-02-13 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: LA

Complaint narrative:
I AM WRITTING THIS DUE TO NON-COMPLIANCE WITH THE F.C.R.A. BY TRANSUNION, XXXX  AND XXXX. 

THEY ALL HAVE FAILED TO REMOVE TWO TRADELINES FROM MY CREDIT REPORT. THE TWO TRADELINES ARE FIRST XXXX XXXX  AND XXXX XXXX. 

I HAVE SUBMITTED CERTIFIED DOCUMENTS TO PROVE THAT BOTH TRADELINES ARE INACCURATE, INCOMPLETE AND ERROUNIOUS. 

ALL OF MY CORRESPONDENCE WAS SENT VIA CERIFIED MAIL. 

I HAVE ASKED ALL THREE CREDIT REPORTING COMPANIES TO PROVIDE ME WITH 100 % CERTIFIED PROOF THAT BOTH OF THE DATA FURNISHERS WERE COMPLAINT IN WHAT THEY WERE REPORTING ON MY CREDIT REPORT. I ALSO REQUESTED THAT EACH OF THE CREDIT REPORTING COMPANIES ALSO PROVIDE ME WITH PROOF THAT THEY WERE COMPLAINT WITH THE F.C.R.A. AND SPECIFICALLY WITH THE INDUSTRY STANDARDS OF REPORTING ELECTRONICALLY. 

I HAVE NOT RECIEVED ANY RESPONCE FROM ANY OF THE CREDIT REPORTING COMPANIES.

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 2021-02-13 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: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
I consolidated my only two existing student loans, in the amounts of {$4000.00} and {$3500.00}, respectively. This amount was paid in full shortly after by credit card. I have the credit card number. The account was held by my mother, now deceased. 

However, the Department of Education and their collections agency, FH Canns & Associates are reporting that I owe {$26000.00}. The US Department of Education reports that they do show the consolidation and have further stated they can not confirm payment because the approved consolidation provider, XXXX was restructured while it held my loan. 

Please note that prior to today, I have never seen any reporting to the credit bureaus of this debt, nor have I ever received any collections contact. It is only upon qualifying for an FHA loan did this matter arise. This invalid, unconfirmed, inaccurate account balance is preventing my family and me from buying our first home. This is severely negatively impacting our future. This not to mention The agents on the phone from the Department of Education failed to disclose that XXXX was censured and " XXXX has been dealing with problems related to its handling of student loans as far back as 2012. Due to complaints about their handling of student loans, the Department of Education transferred many of their loans to other servicers. You see, the Department of Education owns the Direct Loans, so they can decide who your loan servicer will be and there are many others. Since XXXX was having so many problems, the Department of Education cut ties. '' I need this matter resolved ASAP and will exhaust every regulatory, consumer advocacy, and legal resource at my disposal to do so. I paid my loans and I paid every other of my bills without fail so I'd have good credit when I needed it. The Department of Education, XXXX, and FH Canns & Associates are directly liable for this damage to my family, myself, and our futures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: FL

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2021-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX, I initiated a transfer with my Schwab Checking Account for {$340.00} to my Schwab Individual Brokerage Account. These transfers are instantaneous during business hours. The webpage said that an error occurred, and to try again. I did this once more, and received the same error ( for the same amount, {$340.00} ). It was then that I noticed that my Checking Account was had two {$340.00} withdrawals, and my Brokerage account had none. 

I waited about an hour to see if there was just a delay in processing with them, and then reached out to Schwab via their XXXX XXXX tool. They informed me that this was a known issue, and that the problem would be addressed that day ( XX/XX/XXXX ) and that the funds would post that day as well. I then contacted them at the end of the day when the funds still had not posted, and they informed me they would still look into it. 

I checked in with them the following day ( XX/XX/XXXX ) at the beginning of the day, and my funds have not posted at the end of the day ( XX/XX/XXXX ). 

As it stands now, I've had {$690.00} dollars that were removed from my checking account, but not posted to the account that I had directed them to for two full business days.

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 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently sent dispute to XXXX  XXXX regarding a late payment, they have yet to remove this information. This late payment should be removed 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 2021-02-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently sent dispute to XXXX XXXX regarding a late payment, they have yet to remove this information. This late payment should be removed 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 2021-02-13 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: NY

Complaint narrative:
Fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: TX

Complaint narrative:
My loan for a XXXX XXXX  XXXX XXXX with USBank was paid off via a wire transfer from my buyer when I sold the boat. I called and spoke to two different reps from USBank that instructed me on the proper steps necessary to have the wire sent to payoff my loan and to request the additional funds ( sales price exceeded the loan amount due ) to be sent to me. The day the wire was sent, I was told the overage could only be returned to the sender of the wire ( my buyer in this case ) even though I followed their instructions to a T. I have spent close to 10 hours on the phone trying to get my money back from USBank to no avail. They closed my loan, mailed me the title to the boat ( but not the trailer ), yet still cant tell me where the {$8200.00} they owe me is. My buyer is a banker and has not received a return wire and USBank confirms it has not been sent. The original loan that was paid off was {$93000.00} via a wire for {$100000.00} on XX/XX/XXXX. The difference is due to me ASAP. Not only should they pay a per diem for this time frame, I should Be compensated for the HOURS spent on the phone getting the run around from the bank. Absolutely unacceptable for n every regard. I even had two different managers hang up on me today after being on the phone for nearly 40 minutes each time! US bank has been a dismal company to deal with through this whole ordeal, and I will never use them to finance anything ever again. Learn from my mistakes, and find another bank.

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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2021 I had found a company online to purchase a item I called them and someone texted me back and after added me on XXXX we discussed the item and how it works then I sent him XXXX dollars for an item to be shipped to me I used XXXX from my chase account. Come to find out the guy wont send me my item claiming my payment did not go through and he did not receive it. So I called my bank and they assured me my XXXX  payment went through after I called XXXX n confirmed the payment went through. After I called the guy back and still he insisted he did not received the payment the company I used was called XXXX  XXXX XXXX  and the XXXX XXXX user and as XXXX  XXXX. I tried to tell my bank and send them prove of messages I have n the prove of websites and that I was scammed but they deny to help or get my money back I called XXXX and they told me the same that I lost my money. Is there anyone that can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

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