vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX inquiries that I never approved of. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Today XX/XX/XXXX at XXXX Am I was on the phone with a hud rep and XXXX customer service she didnt know anything un willing what ever the hud asked about mortgage kelp she didnt know she kept put us on hold to go research These are the kind of people work at XXXX  and handle their customer The hud reps told her 6 times that we have a sale date on XX/XX/XXXX and we dont have much time She wouldnt even respond we had to drag the word out of her mouth XXXX is a crock They refuse to help The just want to take my home Customer rep said even if I pay and bring the account current They will still foreclosure my home regardless I wanted to dump these crocks I was in a middle of finance With what they done to me they forced me to stick with them Shame on government For allowing these thiefs to operate and still cheat and take peoples home fraudulently I am a military parents my son is in the XXXX XXXX My husband is a disable And there is no help On XXXX XXXX Thief SLS will set to foreclose my home And I will be living in the street

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 2021-03-02 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: NC

Complaint narrative:
I requested Equifax investigate XXXX negative tradelines via a certified mail receipt requested and they opened the investigation on XX/XX/2021 with an estimated completion date of XX/XX/2021. Not only did Equifax not complete the investigation by the XXXX, but the lender XXXX only marked the XXXX accounts as " customer disputes - investigation in progress '' days after the 30 day dispute window expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: OR

Complaint narrative:
On XX/XX/XXXX I mailed in form to to get the XXXX free credit reports. I have only received XXXX from XXXX. XXXX sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: IL

Complaint narrative:
Experian refuses to delete a collection account off my account that they added through XXXX  data. On my XXXX  account the collection isnt on my account. The name of the collection company is XXXX XXXX XXXX. They garnished the data from XXXX  and now they refuse to move it off the account, if know XXXX no longer shows the collection.

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 2021-03-02 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: VA

Complaint narrative:
I filed disputes with this credit bureau to receive the same relief that millions of other Americans are receiving during this pandemic. For some reason, I was not given this same benefit. I would like to know why I am being discriminated against. 

I am in a debt management program. Covid has greatly reduced my income making these payments to this program ( and subsequently my payments to the creditors ) more difficult. I reached out to this bureau to have the statuses of those accounts in this program updated to " affected by natural disaster ''. The accounts were NOT updated. 

The pressure on my income and my family is the same as every other family during this crisis. I believe that I should receive the same relief as they do. 

I would like the statuses on the following companies updated to read : " Affected by Natural Disaster '' XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX ) 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 2021-03-02 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: AL

Complaint narrative:
I have filed several disputes with Equifax in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any notice or investigation results. This account has recently ( XX/XX/XXXX ) been reported as accurate and owed without a response to my original certified mailed disputes. Again, I have filed several disputes with the reporting agency and asked the creditor to validate and verify the debt through mail. I also paid the amount owed in full ( XX/XX/XXXX ) in hopes of complete removal but all efforts to no avail. This action being taking by the collection agency violates my HIPAA rights because I never signed anything to give them access to my medical transcripts. The negligence of the reporting agency also violates my FCRA rights and has blemished my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report. As of this date ( XXXX ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I mailed in form to to get the 3 free credit reports. I have only received one from XXXX. Transunion sent me a postcard asking for more documentation in XXXX. I sent them the requested documents immediately. I received nothing back from them and I've received nothing from at all from 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 2021-03-02 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: JPMORGAN CHASE & CO.
State: AA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: AA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I on XX/XX/2021, sent a certified letter to the collection agency asking them for " proof '' which is by Law a written contract or agreement bearing my signature. To show the validity of this debt. It has been 30 days and no such document has been produced. so I am filing a complaint to clear my name and my credit

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 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Called portfolio recovery in regards to a debt. I had an XXXX XXXX credit card which was opened on XX/XX/XXXX, XXXX Credit card had a credit limit of XXXX. However, this company reported that I owe XXXX. The writer offered to pay the XXXX in which the credit card was worth. However, they want me to pay more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RENASANT CORPORATION
State: AL

Complaint narrative:
I have disputed this issue previously several times with the company ( Renasant  ) and the credit reporting agency ( XXXX ). 
Today on XX/XX/2021 I contacted the reporting agency ( XXXX ) about the issue and the agent was not knowledgeableor helpful in regards to my situation. The agent also ended the call while I was still trying to explain that the information is incorrect. 
I have duplicate mortgage accounts listed on my credit profile. Last year my mortgage loan was transferred from Renasant Bank to XXXX. My credit report is reflecting as if I have two open mortgage loans, when I really only have one mortgage. Both Renasant and XXXX are reporting under the same account number. I now handle my mortgage loan through XXXX ( XXXX XXXX XXXX & XXXX ). XXXX  should not still be reporting as open nor should it still be listed on my credit profile since XXXX is currently my loan institution.

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 2021-03-02 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been requesting any notes placed by Capitalone on my credit card accounts dating back to XX/XX/2020 along with any notes regarding my most recent disputed transaction for over 3 months now. I've contacted capital one in writing, email, and chat. The only response i've received is via email that if I want to discuss my dispute I have to call. As I have told Capital one several time I do not wish to discuss my dispute and I am medically unable to call. I just want a copy of the notes on my credit card accounts, and the notes from my most recent dispute. Their response is always the same we feel the dispute was handled properly and we will not respond to you again. Again! I just want a copy of all the notes on my account along with the dispute notes. I'm not at all interested in speaking to capital one about my dispute nor have I asked them to discuss it further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
This account shouldn't have been open in 2019 without my permission. Collins assets group llc wouldn't remove this account that isn't mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I am working with a client that opened a line of credit with XXXX XXXX in XXXX. The servicing was sold to GreenTree in XXXX. I have been able to track down the servicing transfer to GreenTree but have not been able to find anyone to help release this old mortgage. After XXXX, if the loan was sold to another lender/servicer I can not find who last owned it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been disputing with the bureaus since XX/XX/XXXX inquiries that I never approved of. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Due to the impact of corona virus, i have been financially unwell. Most recently i began to really be affected where i had no income at all and no unemployment. I am trying to catch up with my bank, i had 3 transactions charged for XXXX each, and for each one i inherited an overdraft fee of {$35.00}. Right now i owe the bank {$200.00}, stemming from the three XXXX charges. Which is {$140.00} in fees in a matter of a month. I would like to reconcile and pay the 3 payments of {$19.00} to level out my account again. Please help. I cant afford to pay all of these fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-02 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: WA

Complaint narrative:
Hello. I attempted to call IQ Data on XX/XX/2021 in regards to a debt I owed and advised to them I could not pay this full but wanted to make a payments and would pay them in lump sump payment, the representative informed me this was unacceptable, told me to borrow a loan and advised to them did not feel comfortable doing that since I was already in debt. Stated for me to sale items, even suggested to me would be in breach of contract and could cause serious legal action, damage my credit, including wage garnishment etc. I called back and asked for VP IQ Data and was transferred too someone named XXXX was incredibly rude as well and hung up in my face. This was a very bad experience for me. I want to take care of my debt but refuse to work with me while being rude, and threatening. When I would call back to get a reply they would continue to transfer me all around. Last contact advised will document call and hang up in my face.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I mobile deposited a check for {$350.00} on XX/XX/2020. The check was written to XXXX ( XXXX XXXX XXXX ) a business that I own. I have been on the phone numerous times, complained, went into a chase branch, and exhausted all of my remedies. 
I brought many documents into the chase branch to verify that XXXX is owned by me XXXX XXXX. This is not the only time I Have dealt with chase and I will never open account again. I would like for this issue to be resolved. I went into the chase branch numerous times like customer service told me to and still did not receive my funds. 
Chase is the most difficult customer service to deal with, very rude, inconsiderate, and no help at all. Never again

Company response to consumer: Closed with explanation