vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: CA

Complaint narrative:
Good Morning, I have a mortgage on my property at XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX CA XXXX and the Mortgage Servicing company is Gregory Funding. This loan was in forbearance with the previous Lender ( XXXX XXXX XXXX ) since XXXX of 2020. The loan was transferred to Gregory funding also in XXXX. I did get a notice of this from Gregory funding and notified them of the difficulties of paying my mortgage during these times and requested the the continuation of the forbearance period. During the months between XXXX and XXXX i did make payments to Gregory funding. The last payment was XX/XX/2020. On XX/XX/2020 Gregory funding recorded a notice of default and started foreclosure. I immediately contacted them on XX/XX/XXXX and discussed the matter with representative. I asked why I was in foreclosure with out the correct notices provided by law. At this time the agent said they had mail returned for insufficient address. I asked them why they did not reach out to me via telephone to correct the mistake, representative did not have a response. We went over the address and what was missing from the address was the Suite Number hence the mail was returned. I immediately told the agent why do you have the incorrect address if you were given the correct address by the previous lender XXXX XXXX XXXX, No response. Gregory funding did not follow protocol of what is required by law to notify me of intent to foreclose or follow the forbearance agreement. I have spoken to a supervisor today ( Mr. XXXX XXXX and I said I am willing to clear out my savings and bring the loan current but it is not correct to include Legal fees in the reinstatement figures. He refused to make any concessions and was not willing to give me any answers on why Gregory funding was quiet/no contact with me since XX/XX/XXXX and notified me of the intent to foreclose or notify me that they had returned mail. I would like help in putting some human sense into the situation and for them to reduce the legal fees and allow me to make the past payments and keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
1. Tried to redeem rewards points into a checking account on XX/XX/XXXX. Did not realize it had to be an HSBC checking account and the application accepted my account number. Within a few minutes I realized my mistake and called HSBC to cancel the redemption. They could not and said the points would automatically go back into my account when they found no HSBC checking with that number. 

2. Received a letter dated XX/XX/XXXX saying that I had tried to redeem points into an invalid account, and the points had been put back into my rewards account. 

3. On XX/XX/XXXX, I checked my rewards account on the points had not been put back as the letter indicated. I called HSBC again, and they said they would open an " escalation '' to investigate the problem. When I called a few days later for an update, I was informed that escalations might take up to 10 business days to be addressed. I was not sure why I had to open an escalation for the points to be redeposited as the letter indicated. 

4. On XX/XX/XXXX, I called to find out why the escalation had not resulted in the points being put back into my account. After being on hold for quite a significant amount of time with the " rewards department '', I was told that the rewards " Back Office '' could not return the points, that the credit card company had to do that. I was transferred to the credit card division. After another long wait while research was done, I was told that a ticket had to be opened and escalated yet again with the " Back Office '' and that I needed to wait another week for a possible resolution to get the points I had been told were already put into my account. I told them that I had waited long enough for resolution and wanted my points payout immediately as I wanted to cancel my credit card. I was told that I would not get my reward if I cancelled. That I had to keep my card open until this issue was resolved or I would not get paid. I indicated that I was done waiting and that I did not feel confident the back office would resolve it as I keep getting sent in circles. I indicated I was going to reach out to you. I am owed {$49.00} by HSBC. I am attaching the letter they sent indicating funds had been returned to my account and they were NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: DC

Complaint narrative:
I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the 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 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OR

Complaint narrative:
Enhanced Recovery Company is actively, illegally trying to collect on a debt I do not owe. 
ERC has registered a complaint on all three credit bureaus that I owe a cable bill for {$170.00} allegedly owed from XXXX, XXXX 2020. I never did business with this company or the company they are collecting for which is XXXX XXXX XXXX XXXX. I do not and have not lived in an area where XXXX XXXX  is even available. 
ERC has been calling with nuisance calls and says they're trying to destroy my credit. 
Please help stop this company from destroying my credit and calling me with threatening nuisance calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: TN

Complaint narrative:
Listen I do not know what's going on but I feel like I'm being take as a JOKE this is my second complaint. I will be pasting my complaint again .... " Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment. '' The problem was fixed after my complaint and 2 days after that it went right back to saying I was 60+ delinquent! I Experian put in a dispute to my XXXX XXXX account after my complaint. I'm not disputing XXXX XXXX, I'm disputing Experian. I'm disputing the INCORRECT 60+ delinquency. REMOVE IT AND KEEP IT OFF OF MY REPORT. I'VE BEEN GETTING DENIED BACK TO BACK BECAUSE OF THE COMPLETELY FALSE INFORMATION BEING REPORTED.

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 2020-12-24 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: AES/PHEAA
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XX/XX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by CRA XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
The person who has my money for this investment account is named XXXX XXXX XXXX. this is her XXXX page link. 

XXXX XXXX XXXXXXXX She promised me a 100 % money back guarantee on my investment. When she deposited my {$18000.00} into XXXX account, I began to make a profit. However, she told me that I would have to borrow another {$100000.00} from my bank in order and give it to her as commission in order for me to have access to the money in my investment account. I have XXXX and I have everything she said on XXXX XXXX and XXXX to show you exactly how she used the name of XXXX and everything else to get me to make this investment with her. 

All I really want is what she promised. That is a 100 % money back guarantee. I have been asking for my money back for days now. she told me if I go to my bank and borrow {$100000.00} then I can access the withdrawal feature in my account. She is in constant contact with me and thinks that I am going to go to the bank and make the withdrawal. I told her several times that I want my money back. She will not take no for an answer. She just asked me to go to my bank and take out a loan a few minutes ago. This crime is happening right now! 

My name is XXXX XXXX and my phone number is XXXX XXXX ) XXXX ) Email : XXXX Email 2 : XXXX If you need any evidence please contact me. This crime is active right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: OH

Complaint narrative:
I have several account on my credit report that I have never done business with these companies. I have filed a police report and a CFPB Complaint as well yet the negative fraudulent accounts still appear on my credit file. Please delete / remove the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX 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 2020-12-24 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:
Hello, I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. Well please delete all of them.

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 2020-12-24 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: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-12-24 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: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-24 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: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XXXX XXXX, 2020. I will be a member of the class action above.

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 2020-12-24 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: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX and XXXX XXXX, on Behalf of Themselves and All Others Similarly Situated, Plaintiffs, v. GREAT LAKES EDUCATIONAL LOAN SERVICES , INC., EQUIFAX INFORMATION SERVICES , LLC, TRANS UNION, LLC, EXPERIAN INFORMATION SOLUTIONS , INC. and VANTAGESCORE SOLUTIONS, LLC, Defendants. Case No. CLASS ACTION COMPLAINT ( I ) Violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( II ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.14 ( b ) ( III ) Violations of the California Consumer Reporting Agencies Act, Cal. Civ. Code 1785.25 ( a ) ( IV ) Violations of the California Unfair Competition Law, Cal. Bus. & Prof. Code ************* ( The US Department of Education is continuing to report my student loans as derogatory on my credit report. As a a result of Presidential decree my loans are in CARES Act ADMINISTRATIVE forbearance through XXXX/XXXX/2020. However, they are neing reported as open and past due on XXXX. This resulted in my being denied housing during the pandemic by XXXX  XXXX use of an XXXX  credit report. I ask that they immediately update this reporting. The Coronavirus Aid, Relief, and Economic Security Act or, CARES Act, was passed by Congress and signed by President Donald Trump on XX/XX/2020. I will be a member of the class action above.

Company response to consumer: Closed with non-monetary relief