vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX   I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged onXX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XXXX  thru XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

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 2019-08-17 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: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXXthru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX on XX/XX/2018 my attorney included all my debt I was told that I could reaffirm my auto loan with XXXX XXXX XXXX XXXX  I contacted XXXX & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018 no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid XXXX  $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

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 2019-08-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filed a dispute with EquifaxXX/XX/2019 for wrong outdated infomation on my report. I have an email to check the status of the findings completed XX/XX/2019, but can not access them because a perepetual loop of services they offer are for sale deactivating or stopping my access- their website does not function.   I tried calling the number supplied XXXX  and again get stuck in a perpetual loop of sales questions.   They give me til XX/XX/2019 deadline to view their findings and I can not access  them or get ahold of anyone to help do so.  No hard copy has been offered via mail either and I worry the fate of my information is in the hands of a very corrupt operation. They have all proofs of identity needed and I was recently denied credit based on their incorrect files.  Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau XXXX I even sent in my identity theft FTC report and nothing has not been done at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX XXXX  mistakenly reported my mortgage, which they serviced from XX/XX/XXXXto roughly XX/XX/XXXXas delinquent XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I reached out to XXXX XXXX  XX/XX/XXXXwith more than 15 pages of documentation..SEE ATTACHED XXXX Letter Dated XX/XX/XXXXhere, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - Transunion, XXXX  XXXX. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXX. I wen back to XXXX XXXX  many many times, by phone, fax and email. I learned eventually XXXX submits to the credit bureau. Eventually I was told XXXX had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with 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 2019-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXXXXXX  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX XXXX   XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXX XX/XX/XXXX with more than 15 pages of documentation..SEE XXXX LETTER DATED XX/XX/XXXX, attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XXXX) I contacted credit reporting bureaus immediately - XXXX, Experian, XXXX. I was told that even though I had a letter from XXXX   that no correction or update on this could be made unless and until received DIRECTLY from XXXX XXXXl. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX then changed toXX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with 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 non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
On XX/XX/2019 I contacted the company and asked them that I would like to take over my property tax and home insurance.The company refuses to accept my request.There are saying that my loan is not setup this way.Pls help me resolve this.

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 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
We paid off a credit card with Wells Fargo in XX/XX/XXXX! The last XXXX was paid of by XXXX credit card transfer. We did not close the Wells Fargo card but since it was paid off we have never received a single statement or billing in the last five years. There was no attempt by Wells Fargo to try and collect this account and we never made any payments on this and never received a billing or an attempt to collect this account and we would have never known about it except we put an application to another credit offer and was refused because of a charge off! .......What charge off ? So we went to XXXX  where this credit company had gotten their information! There at the top of my report was this charge off by Wells Fargo!......We had no communication with Wells Fargo since that account was paid! In fact I got a Mortgage from Wells Fargo and it never came up. I bought a new car in XX/XX/XXXX from XXXX XXXX XXXX and there was no mention on my credit report of any account from Wells Fargo......I have had and still have my main checking account at Wells Fargo for the last thirty years. I get statements from them all the time.I also have a line of credit on my checking that I also have not used since XX/XX/XXXX.
  There is no reason why Wells Fargo would not at least bill me if I owed them for this account and since I am very well established financially why would they not make an attempt to collect this account instead of charging it off?

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 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
Honestly I think this a problem caused by both the credit reporting bureaus and BSI Financial Services  the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found BSI Financial Services mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I reached out to BSI Financial XX/XX/XXXX with more than 15 pages of documentation.. SEE BSI FINANCIAL LETTER DATED XX/XX/XXXX , attached here, confirming they MISTAKENLY reported my loan delinquent in error for XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX XXXX XXXX I was told that even though I had a letter from BSI that no correction or update on this could be made unless and until received DIRECTLY from BSI Financial. I wen back to BSI Financial many many times, by phone, fax and email. I learned eventually BSI submits to the credit bureau. Eventually I was told BSI had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from BSI and BSI keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to BSI saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the BSI letter directly to the credit bureaus. Then was told If they hear nothing from BSI in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with BSI Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi American Airlines Advantage Master Card back in XX/XX/XXXX. I tried closing the credit card twice in the past in XX/XX/XXXX and XX/XX/XXXX. They don't have an online link to close account. When talking to rep back in XX/XX/XXXX they wanted to convert it to a no Annual Fee credit card which they never did and kept billing me for Annual Fee and adding Interest charges on it. So far I have paid more than $XXXX in Annual Fees and Interest charges. I would like CFPB to investigate this dubious practice of Citi American Airlines Advantage Master Card. 1) Why don't they have a Card Cancellation button in the online portal? 2) Why do they give you other options over the phone that they don't plan on honoring?

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 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I filed a complaint through the CFPB on XX/XX/XXXX, because Ditech Financial was mis-stating our actual escrow balance, and misappropriating extra monies paid to the escrow fund rather than to the principal of our loan, as was our intent.  We requested Ditech send us a corrected escrow analysis, show the actual amount in this fund, and to also reduce our escrow appropriation amount to $XXXX per month.  Ditech did update the analysis.  It is now showing what I believe to be a fairly accurate balance amount.  However, they are still showing that there is a shortage of $XXXX in this escrow fund, which is simply not true.  They still want us to pay more per month, based on this perceived "shortage".  Even by their own projection of fund balances, it never runs out of cash, and in fact, gets to $XXXX, which they now say is a shortage of $XXXX  They base this on what they call a "minimum escrow balance" needed of $XXXX.  I see no reason they need to have nearly $500 of our money, as a minimum escrow amount.  I could live with say.. the $XXXX that it currently shows as the minimum it will currently drop to.  Why do they need more than that?  They do not.   Also, I requested in the last complaint that the escrow amount of our mortgage payment get dropped immediately to the correct amount.  However, in the current statement (on paper and online), they are still showing that they are going to apply $XXXX for the XX/XX/XXXXmortgage payment, which will once again take away from the extra payment we are trying to pay toward the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I was billed $XXXX  for a collection which I did not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They keep trying to collect on a debt that i've disputed, is not on my credit report, and the statute of limitations  has expired on.  The name of the company is Portfolio Recovery.  They call me two to three times a day and are spoofing their caller id to show up as phone numbers that don't belong to them.  They are using the same tactics as robocalls and ive asked them to stop but they address rude and threaten me all the time.  They are calling me using a robocall and this is my cell phone which does not get free minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 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: VA

Complaint narrative:
After my last dispute with Equifax, my XXXX score is showing my most recent missed payment is from 2 months. I haven't had a missed payment in more than 2 years, by error of the bank, and I'm still disputing.This need to be corrected as soon as possible, as the report is not showing any missed payment, in Equifax or other bureau.See attached score showing the error.Equifax is now reporting 2 of the three missing accounts they weren't before the dispute, but they still are not reporting a loan from XXXX XXXX. XXXX XXXX assured to me they are reporting to the three bureaus. I'd like this account reported in Equifax as soon as possible.Attached information for the company about the loan.I have tried several times entry in equifax to check the status of my dispute and the system always reject my entry. It is the only bureau is giving problems when I answer the verification question. I'd like they review and verify all the information they are reporting match with their own system.I have submit a claim form to request free access to my credit report offered by Equifax after the date breach. I'd like to know when I will have access to my data.Attached claim number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: CA

Complaint narrative:
The Credit Bureaus are reporting erroneous information on my credit file

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 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
Good Afternoon, I have gotten 2 phone calls XXXX claming to be a legal matter not discussing what the "Legal Matter was" on my voice mail. He then calls my parents and looking for tells them i have a "Legal Matter" which is illegal to do because as an agency you are not allowed to expose to family members what they are looking for you are only allowed to ask if they person is still around to collect or looking for any debt. Im not sure what this debt is about or if its even paid off. This company Altalitc recovery solutions already has a class action law suit for threatning their customers about court orders. I called that number back and it went straight to voicemail. Being on unenpolyment my main concern is paying rent not a so called "Legal Matter from NY when im in PA. If someone serves a legal matter it has to be in the state. I would like this taken care of. They are also called Atlantic Recovery Solutions/XXXX XXXX as well. So when i first herd the voice mail it was XXXX XXXX then Atlantic Recvory the 2nd voicemail.

Company response to consumer: Closed with explanation