vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute to the credit report agency XXXX XXXX, XXXX and Experian. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED 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 2021-02-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/21 Im upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later i still havent received a response yet. I did my research I know the credit bureaus have 30 days to replyby ignoring my disputes i took time to send them. Section 611 ( a ) states that failure to investogate these items within 30 days gives a reason to immediately remove promptly. Due to that law, I demand these accounts be deleted immediately or i will file a litigation do to the stress you cause 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 2021-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The school is closed due to improper handling of funds the information on the loan amounts is wrong anyways this makes the XXXX  degree void which makes the loans void and they are not eligible to be collected or listed in collections remove from the credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I XXXX XXXX have inherit my mother 's home and I am in a present process of a Probate process in which I need more time to get a final approval of the court, My lender included me as the XXXX XXXX XXXX XXXX but needed a Grant Deed under my name which I needed to get a Probate. I have been in a great difficulty to pay my mortgage payments due to hardship, first my mother XXXX XXXX decease and I was placed into financial, emotional stress, XXXX and medical problems for several months, my only income my XXXX funds and was counting with extra income from my roommates but suddently the stopped helping to pay my mortgage because they lost their jobs due to Covid-19 .and had to go thru evictions that I was not able to file because tenants had Moratorium to stop paying rent due to Covid but finally they left my house in XXXX XXXX I finally have started to rent again to be able to get back in my feet. I am just asking for more time to get my Probate finalized and able to request for a Modification, I need help from my Lender and any Institution that can be able to help me with my situation. I have no where to go and I hoping to be able to get a Moratorium extension on my case. Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
I purchased the XXXX XXXX XXXX in XX/XX/XXXX for my ex-husband. In XXXX we separated and he could no longer pay we called for the vehicle to be picked up and it was repossessed in XX/XX/XXXX. At the time I owed just over {$13000.00}. In XXXX XXXX XXXX reached out to me and said I owed over {$30000.00} they said they could charge interest continuously even though they had already had a car and even though they had sold it to someone else. Towards the end of XXXX I obtain an attorney regarding this matter well in XX/XX/XXXX I was diagnosed with XXXX and I took a leave from work so I was no longer able to pay the attorney and not working so in XX/XX/XXXX XXXX XXXX obtained a judgment against me because I could not make it to court. I just return to work XX/XX/XXXX and yesterday I received a letter stating they I tried to garnish my wages now for an additional {$11000.00} interest so now they want over {$41000.00}! I cant understand why interest is continuing to accrue when theyve had the car back since XXXX and sold it to someone else actually. I also was never even credited for that sale These are unfair practices by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Delta Management Associates, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with Delta Management Associates, Incorporated. 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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, On XX/XX/XXXX, I called Capital One about the annual fee of {$95.00} that had been charged to my account. It had just been charged on XX/XX/XXXX, and because I was not getting any value or usage from this card, I wanted to know my options for reversing this fee. I specifically mentioned that it was the fee that had already been charged that was my problem, not future annual fees. 

They recommended me the Capital One Venture XXXX card, which they said would have no fee. I accepted this, and received my card. Fast forward a few weeks, and I realize that the fee had never been reversed. 

XXXX XXXX XX/XX/XXXX XXXX, I called in to confirm when they were going to reverse my annual fee, and found out that they had no intention to. They said they would only not charge a fee going forward, but they were not going to revert the one that had just been charged. I spoke with a first-level representative and was transferred to the " highest level supervisor '' who said the same. I said that I felt this was extremely fraudulent and misleading, and was clear in my original request on XX/XX/XXXX. She said there was nothing she could do. I informed her that I had not used the card in months ( I checked, last time was a single charge in XX/XX/XXXX XXXX and that they had charged me and provided nothing. She essentially told me " too bad ''. I requested the supervisor 's name, XXXX, and her XXXX ID : XXXX. I also requested the agent Id of the representative I had spoken to when my card was changed, and she provided the agent ID : XXXX This feels extremely fraudulent to me and I am at a {$95.00} loss for absolutely nothing. I called in a very timely manner, as soon as I noticed the fee and clearly communicated what I wanted. I have not had such a misleading experience with any other bank or credit card company. I would appreciate the CFPB looking into this on my behalf. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was XXXX, and even their report was inaccurate with my no payment history.

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 2021-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollins & McVay, P.A.
State: TX

Complaint narrative:
A debt collector with a return address of XXXX, KS has been sending collection notices regarding a judgement in some court in Kansas regarding a debt owed to a bank in Oklahoma. I have twice requested certified court documents to verify this judgement that the collector claims has been rendered in favor of the bank in Oklahoma. This collection agency ( initially named H. Kent Hollins and now is going by the name Hollins & McVay , P.A . ) since being located in Kansas and attempting to collect a debt from a Texas resident, myself, is required by Texas law to be registered and bonded through the Texas Secretary of State, which they are not. This has been brought to the attention of the debt collector and they continue to send collection notices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I purchased a home at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX, taking out a mortgage with Chase. I have since refinanced the said mortgage twice through Chase with Home Equity Loans. At this time, I have sold the property. During the sale process, the title search came up with a lien on the property from the original mortgage that went back to XXXX. XXXX Date of the initial equity loan ) I need a lien release for that mortgage from Chase in order for the house sale to go through. In talking with Chase for two weeks, they have been unable to find any documentation whatsoever on said mortgage. It is quite obvious that there is no outstanding balance on this mortgage, as Chase has not come looking for me in 28 years. Chase will not return calls at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have informed TransUnion that they violating the Fair Credit Reporting Act as it pertains to them reporting certain items on my consumer report but they are the masters of violating the law and pretending as if they don't understand whats going on so I'm sending this Affidavit of fact as my last attempt to reason with them. After this I will just have to take them to Federal court. I have also sent my previous communication to TransUnion and when it was received by TransUnion to show that I have tried to get this matter taken care of.

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 2021-02-10 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: United Collection Bureau, Inc.
State: OH

Complaint narrative:
UNITED CREDIT BUREAU IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT AND WHEN ASKED TO PROVIDE PROPER VALIDATION OF THESE ACCOUNTS, MEANING SIGNED CONTRACTS WITH MY SIGNATURE, THEY NEVER SUPPLY THE CORRECT PAPER WORK. THEY ONLY SEND THESE FRAUDULENT INVOICES WHICH ARE NOT VALID PROOF OF A DEBT. FURTHERMORE THEY ARE IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G AS WELL AS MULTIPLE OTHER VIOLATIONS, WHICH YOU CAN SEE IN THE ATTACHED EXHIBITS! THEY HAVE ALSO SENT ME FRAUDULENT INVOICES THAT DONT EVEN MATCH THE AMOUNT THAT THEY ARE REPORTING TO THE CREDIT BUREAUS! NOW HOW IS THAT POSSIBLE? HOW CAN YOU SEND ME AN INVOICE FOR A TOTALLY DIFFERENT AMOUNT THAN YOURE REPORTING TO THE BUREAUS? I HAVE SENT PROOF OF THAT AS WELL! WHICH WAS JUST THREW TO THE WAY SIDE. HOW IS THAT PROTECTING THE CONSUMER? THEY ARE IN VIOLATION OF MULTIPLE FRAUDULENT AND PREDATORY ACTS! XXXX IS ALSO IN VIOLATION OF 15 US CODE 1681B AND 15 US CODE 1692G!!! AND A LETTER WAS SENT TO THEM AS WELL WITH NO RESOLVE OR PROPER VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Granite Edvance Corporation
State: TX

Complaint narrative:
This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/XXXX and two others on XX/XX/XXXX ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Grnte Dir Ln also known as XXXX/XXXX XXXX XXXX not being able to verify the account numerous of times nor provide any type of proof I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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 contacted TransUnion two times in the past three months because they are reporting two ( 2 ) inaccurate hard inquiries from XXXX although a FTC report reference # XXXX was submitted on XX/XX/XXXX. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to TransUnion, I have asked for proof that verifies that I authorized those inquiries back in XXXX. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. TransUnion has not provided any verification although I have requested such in every communication I have sent ( proof attached ). They have not responded to my last correspondence from XX/XX/XXXX. I feel my rights my under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) have been violated by not providing a method of verification. My credit worthiness has been highly affected by TransUnion.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I started receiving pre-recorded threatening phone calls from area code XXXX. I finally called back the number XXXX and was connected to XXXX. He stated he was with XXXX XXXX XXXX and accused me of fraud concerning a checking account with Fifth Third bank ending in XXXX. He had my social security number and claimed Fifth Third was sending notices to my old address in XXXX XXXX, Ohio and I never responded. I haven't lived there for approximately eight years. He claimed they did a background check to find out where I currently live. I have no idea what this person is talking about. Why would Fifth Third give my social security number to another organization without contacting me first? They have my phone number. What fraud am I committing with a closed checking account? I can not find any XXXX XXXX XXXX company or the phone number does not come up in a search. I think this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I initiated a TEMPORARY LIFT on Credit Freeze on XXXX XXXX, XXXX for ONE DAY ( until XX/XX/XXXX ) from myequifax.com online account - so, after XX/XX/XXXX my credit file should have automatically frozen again. However, as of today XX/XX/XXXX ( 2 months later ) the 1 Day temporary lift still exists in my account at myequifax.com and it shows " You have temporarily lifted your Equifax Credit freeze UNTIL XX/XX/XXXX '' - please see the attached image. Their software/system should have automatically frozen my credit file again as per schedule, after the 1 day temporary lift period expired on XX/XX/XXXX. Also, since the temporary lift still exists in the account, it is no longer allowing me to add/manage/schedule any NEW/FRESH temporary lifts and shows a message saying you already have a temporary lift in place ( image attached ). I want them to FREEZE my credit file again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In 2016 I was an inpatient at XXXX XXXX in XXXX XXXX, TX. I had XXXX that turned into XXXX XXXX. I am now permanently XXXX from it on Social Security. I provided my Medicaid health insurance to them at the time of service. The facility billed Medicaid and was paid the allowable amount. However, the physicians billing never billed my insurance nor asked for insurance info from the hospital. They failed to bill insurance and I never received a bill if they mailed one because I was no longer able to live alone with my health so I moved in with my mom after. This has been a nightmare. I disputed and its been removed until they sell to another collection agency. I did my part by providing insurance. I should not be responsible for this. I worked hard to build a positive credit profile and I just took a big hit to credit due to derogatory account listings today. This isnt right. This is a billing error. I worked in medical billing for many years. The bottom line is they dropped the ball but I am being punished for it.

Company response to consumer: Closed with explanation