vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
My loan was transferred to Specialized loan Servicing in XX/XX/XXXX XXXX. from XXXX XXXX . SLS was to start accepting payments after XX/XX/XXXX XXXX XXXX approved me for a Flex Modification trial plan XX/XX/XXXX Payments were to begin XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. After the transfer SLS would not honor the trial flex modification. XX/XX/XXXX i traveled to XXXX for my brothers wedding. I did not return to the states until XX/XX/XXXX. A modification was mailed to my home. A relative who was checking on my house while i was away mailed the packet to me. The modification was dated XX/XX/XXXX. I wanted to accept but i had difficulty getting to the US embassy in time to get in notarized. I did call SLS to explain my situation. However SLS was unwilling to extend the deadline. When i came back to the states i saw a HUD housing counselor. A financial packet was sent to SLS on XX/XX/XXXX via usps 2-3 mail. That modification request was denied because SLS states that a trial plan was previously offered and failed. I never had a trial plan with SLS

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had never received the card in the first place and I got not one but 2 late fees of {$35.00}. I was unaware that I was getting charged these fees because I never got the card and they never called me. They did waive one of the late fees. Please waive the other. I should have a balance of - {$70.00}. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have recently had an adverse reporting with my account with XXXX XXXX reporting. They have reported incorrectly with Transunion and i have already disputed once and they have not corrected it. Currently my account reports as not only " open '' but listed as a " charge off '' which it can only be one or the other. it is in fact a " charge off '' but NOT open. I have disputed and they did not update to reflect it correctly. I have yet again filed another dispute to see if we can get this resolved. Also, i had over a year ago tried to remit a payment and was told i could not do so at the time due to the status it was in. My car was confiscated by legal authorities and was in a specific status in which they would not accept my payment at that time. At no point after that conversation back inXX/XX/2020did they ever send me a letter or ask me again to remit payment. I have not received a phone call regarding asking me for payment either. Last time i spoke with them i was advised i was on the " do not call '' status because when i called them a month ago to correct the status they had placed me on being that the account was not listed correctly on my credit report they then put me on as my notes. I should have been contacted regarding the status on my account and to ask for payment and not blindsided with the adverse reporting in which is incorrectly reported to transunion. I will be remitting my payment in full so i can correct this and i do not believe it should be reporting as an open account when in fact if it is a charge off then it should be reported as " closed '' and " charged off '' not both. I ask that they provide the documentation that evidences they sent me documentation on the remaining balance as i have not received that and should have been provided with that as well. The account number with them starts with XXXX and my balance reporting owed is {$6000.00}

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 2021-11-05 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: TX

Complaint narrative:
I already filed a complaint on TransUnion and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written TransUnion with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because TransUnion and XXXX still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean TransUnion really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. Than XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on 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 2021-11-05 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to resolve a fraudulent cash advance transfer with Bank of America since XX/XX/2021. They have neither resolved the matter, nor provided me any rational explanation regarding their investigation. They have been intentionally difficult to get answers, or assistance. I have attached a detail timeline with what I have been experiencing.

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 2021-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX card last 6 digits XXXX was charged in the amount of {$530.00} for a title transfer, registration and tag at XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX, XXXX XXXX, FL XXXX approximately 3.8 miles from my home, I filled out all necessary paperwork and was told to return the following day after XXXX. I returnedon XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I came back to the place of business five times in a 8 day period in which my tag and title transfer was never completed. I asked the business for a refund however I did not have my card available to place the refund on my card. The merchant explained if I did not have my card that they could not process the refund and I should just go through the bank to process my refund. I went to Wellsfargo bank and they advised me that I should go to the Merchant to process my refund because the merchant did offer the refund and there is nothing Wellsfargo can do. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a refund on XXXX they declined to process my refund because I was already going through the dispute process with Wellsfargo. Wellsfargo is declining to resolve the matter even though I have proof that I went some where else to process my title, registration and tag. I paid approximately {$390.00} to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX for a tag title and registration. The Wellsfargo rep explained that I would not be able to open a dispute again as I have already been through the dispute process, I asked for my claim to be escalated and the representative told me my claim was already escalated.

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 2021-11-05 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX**** This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX**** This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05 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: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have an account with XXXX XXXX and was looking at my report today and my credit score with XXXX is showing an account that I didn't open. 
Original Creditor : XXXX XXXX XXXX XXXX Open Balance : {$2400.00} Opened : XX/XX/2021 Collection Agency : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX " solemnly swear '' that I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with XXXX XXXX XXXX Credit card that I have no knowledge of. 

I have reached out to XXXX XXXX several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Webcollex, LLC
State: FL

Complaint narrative:
I have been receiving multiple phone calls a day on my personal number. The representative has been asking from personal information that I refuse to give. I don't owe any collection debt that I am aware of. I pay all my bills on time. The representative was rude and threatening. I have never received any correspondence in the mail regarding a debt. They are now calling from different numbers. This is in reference to cks Financial which I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: BTH Management
State: TX

Complaint narrative:
On XX/XX/2021, Ive tried emailing, calling, chatting, and messaging and still cant get in touch with anyone. Today XX/XX/2021I tried again emailing, calling, chatting, and messaging and still unsuccessful. I really want to speak to someone so, I can get this removed off my credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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 already filed a complaint on XXXX and they say they going to do a " 30 day investigation '' on my first complaint which I have been hearing this so many months. Today they wa n't me to get contact the creditors that got in contact with them and can be anybody but they don't care. Why because XXXX XXXX XXXX wrote them on XX/XX/2021 saying to them to delete 2 accounts and I have written XXXX with proof and you think they actually deleted it, nope its has been 6 months and they're still on my credit report just like others are. I had to go filed a complaint against XXXX XXXX XXXX which they really didn't do nothing because when I wrote them back in XXXX they couldn't provide me with anything. So I filed a complaint today because XXXX and Equifax still reporting something that couldn't validate in their office. XXXX compliant number is XXXX. I mean XXXX really was doing right about consumer than the consumer doesn't have to work so hard to get this off their credit because my attorney told me about this site which it will have paper trail. How many 30 days I have given you all to do right. XXXX XXXX and XXXX XXXX  are the same you can't do Double Jeopardy so I would like both to be deleted as well. Duplicating account information like this may be a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. XXXX is collecting on XXXX XXXX whomever that is and XXXX XXXX also collecting on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Money transfer, virtual currency, or money service TYPE Domestic ( US ) money transfer Inactive modal Step 2 What type of problem are you having? 
ISSUE Other transaction problem HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes Step 3 What happened? 
On XXXX XXXX I did attempt to do 2 transaction through money gram in the amount of XXXX ref # XXXX and ref # XXXX for XXXX ref XXXX for XXXX and XXXX as well as XXXX. I am filing a another complaint on XXXX due to these transactions being canceled and never credited back to my account. Moneygram stated that all these transactions indeed canceled immediately therefore no money was ever processed and removed from my account. XXXX processes and sent funds somewhere. So I would like to request that both parties XXXX and Money gram provide complete documentation of the transactions that was provide proof of the successful trans action that Money gram canceled and stated that did cancel out and money never was received. Money gram should provide a complete documentation of the proof that each transaction did canceled out and never processed. I being going back and forth with these two companies and nothing has been accomplished. Each company states to me something different from what they say to each other but it is my money that was taken and no one seems to care that that is wrong. How can these companies be allowed to such and cause so much XXXX  and the reps have no care in the world bout it. I submitted the proof of canceled transactions moneygram sent t o advise me that the transaction did not go through. And that was not enough but XXXX could see that Money for each transaction was successfully removed from my account but money gram stated no money was ever received. To settle that we should be able to view some type of documentation of the canceled process and sent successfully process. This stress is really getting the best of me. PLease advise me on what steps I can take to get my money that was unrightfully taken from me. XXXX gave a credit and then reverse it it taken XXXX  and XXXX and my deposit in the amount of XXXX. Moneygram refused to provide any kind of documentation of the transaction being canceled although i have emails telling me they were canceled they also so called told investigators from the dispute team at XXXX that the transaction actually processed and never canceled which is not true. Why not help a customer see where their funds went if they cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

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 2021-11-05 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: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
The company inaccurately reported my account as delinquent despite it being consolidated over two months ago. The new account shows on my credit report in addition to this false report that I am delinquent. I tried calling the agency and informed them of the issue as this is an urgent matter and trying to close escrow. They said a supervisor will return my call but no one did. I asked them to update my credit reporting to the bureaus immediately as it was an administrative error. They have not updated it. I called several mire times to no avail. XXXX  XXXX university admitted an administrative error. They declined to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05 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: LA

Complaint narrative:
My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX  since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX mortgage from my credit report is greatly appreciated. 
Thank you

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