vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information.

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 2021-12-29 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: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information.

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 2021-12-29 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: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I deferred my loan through Nelnet and I was told everything was fine and had nothing to worry about. The next thing I know I'm now showing 10 late payments over 10 different accounts. The company refuses to remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: DISCOVER BANK
State: NY

Complaint narrative:
My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ XXXX less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted Discover letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and I'm making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not have been reported on my account due to the pandemic. I also let them know I attempted to refinance my home and take some equity out to pay off my debt but was denied because of the late payments that is on my credit report which drove down my credit score. I spoke to XXXX ( Delaware location ) who transferred me to XXXX who transferred me to supervisor XXXX who told me that she could not assist me. I reviewed with her The Corona Virus Aid Relief Economic Security Act and she said there's nothing she can do. Account name is DISCOVER, Phone # XXXX, ACCT # XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: ID

Complaint narrative:
My husband passed away on XXXX XXXX, 2021 and was sole owner of our marital home. I promplty notified the mortgage company the week of his death. He left the property to me in his will, which was probated. The property Deed is in my name. The VA backed mortgage is not, however I have been confirmed as Successor in interest. All documents pertaining to my right to assume this mortgage were provided to the company, including Letters of Testamentary, the Will, the Deed in my name, personal identification, death and marriage certificates.

Amerisave Mortgage Company refuses to put my name on the Mortgage and is demanding that I submit a new mortgage application. As the sole owner of the property by inheritance, as surviving spouse and because this is my personal residence, this appears to be in violation of the Garn St Germain Act, and the fact that the Ability to Pay rule is not applicable to the transfer of the contract. 

The mortgage is current. We/I have never missed a payment or been late and at present I am not seeking to refinance or otherwise renegotiate the terms of the contract. I simply want the mortgage placed in my name. 

I have been in regular communication with the company, and on XX/XX/2021 received the letter requiring that I submit the new mortgage application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
XX/XX/2021 Dear XXXX XXXX, XXXX XXXX XXXX has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Current Creditor Account Number : XXXX Total Balance Due : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
I am applying for a mortgage. The mortgage company had no problem getting my XXXX and XXXX credit report but can not get my Equifax. They are told the credit file is frozen. 

I called Equifax 3x and thy said there is nothing wrong with my account, it isn't frozen and all my personal information is correct. 

Now I can not get the mortgage because they need the Equifax report. 

What am I supposed to do. Can you make Equifax fix this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.

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 2021-12-29 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: CA

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs. I am filing this compliant for misleading false reporting information.

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 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I saw a debt on my credit report that i do not recognize, I contacted the debt collector carter-young inc on XXXX with that actually being the 3rd request i asked for this debt to be validated and actually send me a signed contract bearing my signature, and I also requested the Dunning letter XXXX They have a legal duty to comply to my request if they cant produce the signed contract then the debt must be removed from my credit report, I also disputed with the credit bureaus as well and it came back verified, so if it was verified then it should be proof that i own this debt and I demand validation of this debt if not then my rights under FCRA, FDCPA has been violated and I demand that the debt be removed from my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage approved my Loan Modification on XX/XX/XXXX, my call history and promised date back to XX/XX/XXXX. Finally got a manager XXXX ID # XXXX on XX/XX/XXXX he promised an overnight the modification paper next day. I waited til XX/XX/XXXX called and talked to operator whom then got me to XXXX ID # XXXX, whom started an email conversation with QNA department to expedite my process. The company acknowledges it knows the law and has up to 45 days to get me my documents for the modification loan. Still didn't get a answer so I called back XX/XX/XXXX and was still stone walled with excuses. I need my modification documents, please help.

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 2021-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had a home loan with Bank of America back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. Bank of America shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT BANK OF AMERICA OFF MY REPORTS, I HATE THAT BANK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: PA

Complaint narrative:
I am distressed that Experian have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment and high credit amount reporting inaccurate information. 

Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Why is high credit reporting XXXX XXXX it should state XXXX XXXX not XXXX XXXX Where is the proof? 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OR

Complaint narrative:
I have auto payment scheduled where my bank is paying my mortgage payment to BSI Financial Services. Payment is due on the first of the month so my bank cuts the check a week before its due, dates on the first of the month. Received mortgage statement today stating I missed XXXX payment with {$80.00} late fee charge. I contacted my bank which said check was mailed on XX/XX/23 but BSI cashed it on XX/XX/23 which is out of courtesy time ( 2 weeks ). Called BSI and asked to have late fee reversed which I was not promised that it will actually happen. Agent did say that BSI was having problems with getting their mail!! How is that OK to charge late fees to customers when it was their issue and problem. Also why did they not contact us regarding not receiving payment? This is such a bad scam and terrible customer service, charging customers for their issues!!! Ive lost all my trust to BSI and wish we could change mortgage company!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter from Capital One to prove who I am around XX/XX/2021. It stated they needed a copy of Social Security Number. I mail the copy in. Around XX/XX/XXXX they put both my Credit Card on hold ( Restricted ). I called them to ask why, they informed me they never received my information. I asked them to send another letter in witch they refused. They also miss informed me that they needed a picture ID and not My social Security Number. I called again on XX/XX/2021. I spoke to a lady for 40 minute on the phone. She informed me that I only needed to send in my Social Security Number. I sent in the copy once again. On XX/XX/2021 I called to see why it was still restricted to find out they have canceled both my credit cards. They informed me that they have received my information but it was passed the XX/XX/2021 deadline. When I asked them to identify the date it received, they said they could not fulfill that request. I was on the phone for 53 minutes and no one could identify the date my letter was received or inputted into the system. I am now out of 2 credit cards while paying interest and impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report, to this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), stales plain and clear that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it is past the 30 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted several breaches, including the XXXX data breach and have gotten into the hands of the wrong person. I have provided all my proof of me being a victim of identity theft and have filed several FTC reports and this situation is being ignored by the bureaus.

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 2021-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
I received a notice from the county stating that they have not been receiving property tax payments. I contacted the county to ensure that there were no clerical errors on their end. From talking with them, they said that they had received some of the tax payments, but have not received others. They said that I needed to talk to my mortgage company to get things all sorted out. According to the bills from BSI Financial Services ( my loan servicer ), I have been paying escrow. I contacted BSI to make sure that they have been doing everything on their end. The person I talked to on the phone confirmed that I was paying escrow, and said that she would forward the information on to the tax department to make sure that they had been taken care of that. That was a few weeks ago, and I have not heard anything back since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: IL

Complaint narrative:
On XXXX XXXX I certified mailed a FTC Identity Theft Report to Experian with a copy of my Drivers License, Utility bill, social security card and a statement that the information is not information relating to any transaction by me. The USPS confirmed that Experian received the documents on XXXX XXXX. I called and was told by customer service agent XXXX that my Identity Theft report was missing some information. She said to resubmit a clearer copy with my drivers license. She also said that all the accounts that I had in my Identity theft report will not be blocked after I send the new copy of my Identity theft report to them, because the accounts don't meet Experian 's criteria to be blocked. She said she can't share why because others will try to default on account and claim identity theft. I sent the new copy of my FTC Identity Theft Report. This is absolutely upsetting to me! How is this possible when 15 U.S. Code 1681c-2 says " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ''

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