vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

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 2021-06-01 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: IL

Complaint narrative:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: IL

Complaint narrative:
1. DEPT OF ED/XXXX : XX/XX/2020 Late payment 2. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 3. DEPT OF ED/XXXX : XX/XX/2020 Late payment 4. DEPT OF ED/XXXX  : XX/XX/2020 Late payment 5. DEPT OF ED/XXXX : XX/XX/2020 Late payment 6. DEPT OF ED/XXXX : XX/XX/2020 Late payment 7. DEPT OF ED/XXXX : XX/XX/2020 Late payment 8. DEPT OF ED/XXXX  : XX/XX/2020 Late payment These Late payments were placed on my credit report. I have reached out to the company as well as the credit bureaus stating that this is and inaccurate information. They have not yet solved the matter. I would like these late payments removed from my credit profile because it is affecting in negative ways.

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
https : //lakeview.com/ XX/XX/2021 : We began the initial inquiry with Lakeview Loan Servicing to have the PMI removed from our mortgage based on the increased property value. Lakeview informed us that they would send a document in the mail within 20 business days to determine whether we qualify. The form was received on XX/XX/XXXX and stated we needed to make an inquiry to schedule the BPO. 

XX/XX/2021 : We called to have the BPO scheduled and they informed us they would call us to have the payment made and proceed with scheduling. We never received any calls. 

XXXX XX/XX/2021 : I called to see what the delay is and they said we never reached out to make the payment to schedule the BPO, however that was never explained to us. They said as soon as the payment is received they will call within 1-2 business days to schedule the BPO. 

XX/XX/2021 : Payment was received. 

XX/XX/2021 : We still have not received a call to schedule. I called and they informed me this could take as long as 2 more weeks to schedule. When inquired about why the additional delay and not 1-2 business days, they said that information was incorrect.

Throughout the process Lakeview has been unclear about timeline and next steps. In my opinion, they are unnecessarily delaying the process as it is in their best interest to continue having us pay PMI.

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 2021-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: BCO Consulting Services
State: CT

Complaint narrative:
On XX/XX/XXXX, I was told that I was prequalified for a student loan forgiveness program from a voicemail left by a woman named XXXX. On XX/XX/XXXX, I called the number back ( XXXX ) and spoke with a man whose name was XXXX XXXX from BCO Consulting Services, located in California. During our conversation, I was told I would have to submit monthly payments in the amount of XXXX in order to receive student loan relief. Additionally, I was also required to fill out a Service Agreement form. When I contacted my school XXXX XXXX University XXXX and told them about this, they relayed to me that there was no such thing associated with my institution and it was a scam. Now, this company is charging me {$190.00} monthly. This amount has not yet been charged to my debit card, but I received an email recently XXXX XX/XX/2021 ), indicating that it will be cleared in two to three days. Please help me with this situation. After receiving more insight about this company, I no longer want to be associated with it any further. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have used the access via XXXX to request my credit reports. Every year since XXXX, I tried doing so with Equifax, and I have never been able to obtain one online. Equifax always responded with " Online Delivery Unavailable ''. The other 2 Credit Bureaus ( XXXX XXXX XXXX ) are able to provide my online credit reports every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: LA

Complaint narrative:
I was approved for a XXXX bank statement through American Financial Services and broker out through XXXX XXXX XXXX .The loan officer just told me on XXXX XXXX after everything is good and under contract that XXXX XXXX not going to do the loan due to 5.75 interest. He wanted to sign a contract under his company American Financial Services and do it for 3 percent interest .But I'm buying it per loan officer says. I contacted XXXX  and my loan is still active. He lied to me. I have email the his supervisor and contacted CEO of this company. Waiting on answers .I also contacted XXXX XXXX management and waiting on answers. This has been a nightmare to me and my fiance. I will persue legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Hello, I received a letter from lexis nexis stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: FL

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This made me anxious because this might have an effect on my further credit transaction and so. I want this to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NV

Complaint narrative:
Months ago an XXXX credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called XXXX several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

XXXX XXXX refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, XXXX XXXX doesn't care if someone who applies for their cards is real or fake, and if they're fake XXXX doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and XXXX XXXX is failing me for their own gain.

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 2021-06-01 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: LA

Complaint narrative:
OnXX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
We suffered a flood which resulted, after several months, in an insurance payment. The insurance proceeds required endorsement of the Mortgage Company and the check was received by the mortgage company on XX/XX/2021. Mortgage company has been opaque in its communication, having failed to provide their procedures and refusing to communicate. Repeated calls to the " Loss Draft Department '' result in rude non-answers and the various representatives seem intent on continued delay. Despite having received the requested documents on XX/XX/2021, we were advised in a follow up call on XX/XX/2021 that additional information was needed. That information was immediately provided notwithstanding the mortgage company 's failure to follow up and request the additional information they desired. 

Initially, we were advised that this would be resolved by XX/XX/2021. On XX/XX/2021 the representative now advises that the " quick endorsement '' would likely not be completed until XX/XX/2021.

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 2021-06-01 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: OH

Complaint narrative:
Equifax is reporting 6 " untitled '' creditors to my credit report. I have sent them a validation letter asking them to verify the account and they have come back as verified. I am confused as to how this information was verified and to what company it was verified with. I am unable to send validation due to me not being aware of who it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I have never. authorized any of the accounts below to report to my social security or credit report the XXXX, XXXX and XXXX : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC.
State: NJ

Complaint narrative:
I went into forbearance during the beginning of Covid and was told my account wouldn't receive a negative to credit reporting. I was told me, due to covid I was placed under forbearance, and Homebridge told me my account would not be reported negatively to the credit while in forbearance ; they reported me late, negatively impacting my credit score ; they then apologized and sent me a letter stating that they removed the negative reporting. I also paid them about {$15000.00} during my forbearance, which they told me. I also directed them to send my payments to cover my mortgage ; I went into my XXXX and took out all of my money and paid them so that my house did not go into foreclosure. They never paid the money to my mortgage payments. They couldn't find any payments I made for weeks at a time, The money was also to cover the beginning of my forbearance, so I should have never been reported as a negative account. They later told me they had my money in a suspension account and never paid any of the money I sent to pay my mortgage ; instead, they paid my taxes. 
They told me I still owed them about {$10000.00} more to pay toward my mortgage principal and interest, or I can stay in forbearance, which I obviously did not want to do ; I was paying them money sometimes {$6000.00} at a time entire pandemic. I extended my forbearance, and I had no money to pay them. My XXXX was wiped clean. I stopped paying any money after telling me I needed to extend my forbearance or pay an extra {$10000.00}. I had no money. They sold my application to another mortgage company after I extended the forbearance with them. I have no way to contact them now because my account number ceases to exist, and I can't ask for the letter that stated they fixed my credit report to reflect I was never late on a payment to have it removed. I'm ready to move on, and the negative credit reporting is holding me up. Please help, it's been a horrible year, and I would like to move on ; please help. They drained my XXXX, and now I can't even get a representative to help fix their mistakes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
The below Debt Collection is Fraud and it is not my account. I contacted MRS Associates and this debt is not belong to me. 

MRS ASSOCIATES has flagged your account as Collections on XX/XX/2021. 

Source : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$440.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MS SERVICES LLC
State: OH

Complaint narrative:
Recently went to check my credit score on XXXX. Upon doing so I discovered a report on my credit report for unpaid tuition, not a student loan, at my local community college. I called the number and requested verification of the debt because I do not believe it is mine. My parents chose to enroll me for my senior year, while I was still a minor. They asked me to give them my address. I stated that I would not, but that I would give them an email. The representative stated that the company did not use email. In response I said that they were required by law to provide me verification of the debt in writing and the email qualified as in writing, on the other hand I am not required to disclose information to them. I was hung up on by the representative. I called back and was told I would receive a call from the supervisor. At this point I have received no call. The company is blatantly refusing to provide verification of the debt. In addition I have received no documentation from them whatsoever. The only reason I know about the debt is because I checked my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Due to my wife being unemployed from COVID we had to go on forbearance with our mortgage. Having a USDA loan part of my understanding was that at the end I would have the option to extend my mortgage by the missed payments with deferment. 

Now that my wife is employed and we want to bring our mortgage current and continue making payments Wells Fargo is telling me no deferment is not an option. 

From the most recent forbearance approval letter I have a page that specifically says since my account was current as of XX/XX/2020 deferment may be an option that is offered for my loan. 

So far everyone I have talked to has told me that no that is a generic letter stating if your loan was current it may be an option. My letter does not say if my loan was current, my letter states since my loan was current it is an option. 

Wells Fargo is continually trying to push me to a loan modification instead, to change my terms and payment amount. I do not need to change my terms or payment amount.

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hello, I received a letter from XXXX XXXX  stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

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 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Hello, I received a letter from XXXX XXXX stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!

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 2021-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: CT

Complaint narrative:
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation