vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 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: TX

Complaint narrative:
I had an auto loan with XXXX XXXX, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, XXXX XXXX or Equifax continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with Equifax, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called XXXX XXXX five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to Equifax. All disputes have been closed with both companies and the information remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
CALLED THE LENDER WAS TRANSFERED AROUND UNTIL I REQUESTED XXXX, DEPARTMENT. I SPOKE TO XXXX ABOUT THE SALE OF THE PROPERTY AND ADVISED THAT THE BORROWERS BROTHER, WHO INHERITED THE HOME HAS FILED A CHAPTER XXXX ON XXXX AND WAS PROTECTED BY THE AUTOMATIC STAY WHEN THE SALE TOOK PLACE AND THAT THE SALE NEEDS TO BE REVERSED LENDER RESPONDED BY SAYING THAT THE ONLY THING THAT HE CAN DO AT THIS POINT, IS REFER ME TO Some WEBSITE ( XXXX ) I TRIED TO EXPLAIN THAT I SHOULD BE PROTECTED BY AUTOMATIC STAY BUT THE REPRESENTATIVE JUST KEPT SAYING THAT HE NEEDED ME TO GO TO THAT WEBSITE AND COULD NOT HELP ME. NOT ONLY DID I SPEAK TO XXXX I SPOKE TO XXXX IN LOSS MITIGATION DEPARTMENT I SPOKE TO XXXX IN THE BANKRUPTCY DEPARTMENT AND KEPT TELLING ME THEY COULD NOT HELP ME, I NEED HELP AND I CAN NOT AFFORD A LAWYER BUT THIS LENDER IS TAKING ADVANTAGE OF THAT AND SOLD MY HOME AND VIOLATED FEDERAL LAW IN DOING SO PLEASE HELP I HAD SPOKE TO THEM PREVIOUS ABOUT A LOAN MODIFICATION AND HAD ALREADY PROVIDED THEM WITH THE DOCUMENTATION THEY REQUESTED I WOULD LIKE TO CONTINUE WITH THAT

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 2020-01-08 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: WA

Complaint narrative:
I have two collections on my credit report with transunion for medical bills sent to collections illegally that were covered 100 % by my state provided insurance and this is illegal for them to even try to collect on it and effecting my credit adversely. 

Accounts : XXXX XXXX XXXX Balance {$620.00} Original creditor XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$570.00} Original creditor XXXX XXXX XXXX Opened XX/XX/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 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
My mortgage company is Bayview Loan Servicing LLC.. My mortgage was sold to them I did not choose them. I received a letter or multiple letters saying I should get my own homeowners insurance I would probably have better coverage as I was enrolled in their Lender funded homeowners which only covered the structure and nothing else. I went to XXXX XXXX in the last week of XX/XX/XXXX got my own homeowners. I put XXXX down and have XXXX a month note. Bayview was sent the declaration page to prove I have XXXX worth of homeowners. Because Bayview had screwed me in the past I called on XX/XX/XXXX to inquire on the status of removing me from lender funded insurance. Needless to say Bayview representatives didn't have any idea what I was talking about. So XXXX at XXXX XXXX contacted Bayview talked to a XXXX and emailed and mailed all the documents again proving I had homeowners. XXXX XXXX is a subsidiary of XXXX XXXX and holds my homeowners policy. Bayview sent a XXXX check to XXXX XXXX, XXXX XXXX returned that check to Bayview. Low and behold my house note instead of decreasing has increased XXXX. My question is Bayview threw my escrow into the red by XXXX, where is the XXXX check that XXXX XXXX returned to Bayview. Did someone put it in their wallet. Also afer all this I was told to write a letter explaining that I had procured my own homeowners therefore there was no need to escrow the insurance. Finally after months I was told they were not going to stop the deducting escrow for insurance and for me to stop paying it. Really!!!!! funny nobody mentioned that in XXXX. The extra XXXX a month sure sounds like a percentage of XXXX dollars that was returned to them in XXXX. So if they took XXXX out of escrow and threw me in the red what did they do with the XXXX check when they received it from XXXX XXXX and it has been confirmed they received that check. Personally I think they are the most unscrupulous slimy crooks in existence. I can go on and on but don't want to write a novel. Thank you. I can get documents from XXXX XXXX and XXXX XXXX. I am XXXX and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac USA and its loan department talked me into applying for an FHA XXXX loan. I told several representatives for PennyMac that I had credit challenges. I was reassured on several occasions that an FHA XXXX loan is designed to keep consumers with financial problems in their homes and for that reason, your credit rating IS NOT A FACTOR in the loan approval process. So, I relented to their pressure and applied for the FHA XXXX loan and ... ..was denied because of my credit record. PennyMac deceived me intentionally to get me to apply for the loan, PennyMac is correct FHA XXXX loans do not take credit worthiness into consideration because of the very goals of the program. PennyMac lied to me, and it unfairly and illegally denied the XXXX loan. 

PennyMac also told me not to make my XXXX payment to instead use that as the downpayment for the FHA XXXX loan, we agreed on payment terms, lengths and amounts. Then they abruptly lie to me and go back on their word. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: DC

Complaint narrative:
On XX/XX/2020, I received an email from Equifax saying that my data may have been breached. On XX/XX/2020, I used the link in the settlement email to confirm that my data was included in Equifax 's data breach. I tried to complete the settlement procedure, but could not recall the name of the credit monitoring service that is currently monitoring my credit. I attempted to log in to My Equifax to determine if Equifax is currently monitoring my credit. 
1. I was informed by my browser that myEquifax is a high risk web address. 
2. I searched on My Equifax and used that link. When I entered my current password, I was informed that my username and password were incorrect. They were not, but I agreed to reset the password. 
3. I successfully reset the password. I attempted to log in with the new password. I was advised that this was incorrect and was told I had up to 3 tries to access my account. I tried to log in with the reset password and was informed that I was locked out of my account ( at only 2 tries ) and that I had to call an 888 number to unlock my account. 
4. I called the 888 number and answered numerous questions about my credit history. I believe I answered questions about my credit history correctly, but was informed that they could not verify my identity and that I would have to send " documents '' to an address in XXXX, XXXX Equifax does not tell callers which documents to provide to reinstate access to their accounts. 
5. I navigated the phone menu to reach a Customer Service Rep - no easy task. I asked to have access to my account restored tonight. He was unable to help me and agreed to transfer me to a supervisor. He asked for a call back number. He then hung up on me and no one ever called me back. 
6. I called the 888 number again. I got another CSR in Sales. He informed me that he could not help me and that the 1st CSR disconnected me as the Transfer button is next to the Hang Up button on the monitor ( great design! ). He transferred me back to the 888 number. I have been on hold for 40 minutes and am still on hold.

7. I would normally walk away from this entire matter - giving up on the settlement - but I want the ability to put freezes on my accounts and lift them. Equifax 's level of service and the complete incompetence of this organization does not give me any comfort that my information is being appropriately safeguarded and that persons who are authorized to access my information can gain access to it. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had an auto loan with GM Financial, opened in XXXX of XXXX. I closed that account in XXXX of XXXX by paying the loan off. Since the loan was paid off, GM Financial or XXXX continued to show the account as open and that payments were being made. Some of the payments listed after the account was closed in XXXX of XXXX showed as late payments. Payments continued to show being made to the account up until XXXX of XXXX. The account was paid in full and closed in XXXX of XXXX. Late payments for this closed account showed for XXXX of XXXX, six months after the account was paid in full, another late payment showed in XXXX of XXXX, two more late payments were reported in XXXX and XXXX of XXXX. I have filed five disputes with XXXX, each dispute was closed and the information remained on the credit report and continued to be inaccurate. I called GM Financial five times, they stated that the account was closed in XXXX of XXXX, they showed the account closed and they stated that they would send a letter to XXXX. All disputes have been closed with both companies and the information remains incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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:
My Experian credit file shows an unpaid collection account from " XXXX XXXX XXXX '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

XXXX XXXX requested this entire Trade Line be deleted from both Experian and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to CXXXX with the understanding the account owner XXXX XXXX XXXX would not list it as a collection and it hasn't been ; before that happened XXXX XXXX ceased having account in its portfolio because it went back to XXXX and they requested XXXX  deletion in XX/XX/2019. 

The XXXX XXXX trade line was DELETED XXXX XXXX however Experian continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with Experian ( Experian Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX directly along with correspondence from XXXX. In the dispute report I also stated XXXX XXXX is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from XXXX. I contacted XXXX XXXX today after the Experian results came in and manager XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DE

Complaint narrative:
I received a collection letter in the mail from Ace Cash Express for a loan that was fraudulently taken out in my name. I have contacted the company and am in the process of filing the necessary paperwork to declare the loan fraudulent however the ease at with which the perpetrators executed this fraud is highly concerning as suggests that Ace Cash Express did not conduct even the minimal amount of due diligence on this extension of credit. My individual credit score is over 800 and have absolutely no outstanding debt do so it makes zero sense that I would seek a pay day loan. This is an obvious red flag for identity theft. This is evidence that Ace does not have even minimal know your customer processes and lax controls on extending credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI AADVANTAGE PLATINUM SELECT CARD. They had a promotional offer for XXXX miles towards XXXX XXXX for signing up for the card. I apply for the offer on XXXX and have not receive the miles yet. I apply over the phone and they told me I was eligible to get the miles. In addition, I have call them a couple times to resolve the issue and they always came up with a different excuse for not giving me the miles. 

Original Account information last 4 digits are XXXX. This account was change to current number last 4 digits 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 2020-01-09 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:
I was at XXXX trying to buy a car today XX/XX/2020 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: OR

Complaint narrative:
There are a lot of addresses on my credit report that don't belong 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 non-monetary relief
Consumer complaint received 2020-01-09 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Regarding Account Number : XXXX Mortgage Company : NEW REZ/Shellpoint Mortgage Servicing XXXX. XXXX XXXX, XXXX, SC XXXX In XX/XX/XXXX we were advised from our Mortgage Company XXXX that our loan had been sold to NEW REZ/Shellpoint Mortgage Servicing. Payment was made on XX/XX/XXXX to New Rez ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted New Rez upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). New Rez says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted NEW REZ 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
As I do every month I send my payment via bill pay through my XXXX XXXX XXXX checking account. I received numerous calls from TMS ( The Money Source ) multiply times in a day stating they didn't receive my payment. I checked with XXXX XXXX XXXX they confirmed the payment was sent and delivered on XX/XX/2019. After a week or so, I continued to get calls from TMS stating they didn't receive my payment. We contacted XXXX, they placed a stop payment, issued a refund & we made another payment, TMS reported to our credit report 30 days. This is the second time we had the issue with the TMS. They did the same thing in XXXX. Claimed to not receive the payment & then in XXXX they posted it on XX/XX/XXXX & then said who if we would have received it on the XXXX of XXXX we wouldn't have reported you. I explained to them the XXXX is a Federal Holiday & they should have posted it according to the date received & if they were behind, they should have back dated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CA

Complaint narrative:
I was at XXXX trying to buy a car today XX/XX/2020 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

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 2020-01-09 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: CA

Complaint narrative:
I was at XXXX trying to buy a car today XX/XX/2020 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: OR

Complaint narrative:
There are a lot of addresses on my credit report that don't belong 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 2020-01-09 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: OR

Complaint narrative:
There are a lot of addresses on my credit report that don't belong to me.

Company response to consumer: Closed with non-monetary relief