vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I purchased a condo in XXXX, FL in XXXX, and approximately 12 years ago ( during the housing crisis in XXXX ) I refinanced the condo. Since then the mortgage has gone through multiple companies ( I've lost track ) and has even been refinanced a second time through SPS, Select Portfolio Servicing. I kept all the piles and piles of paperwork over the years and can prove that only one mortgage company, SPS is associated with this property. No other mortgage or loan company has appeared on my credit report for this property. Now out of the blue this company, SLS?, is trying to say they hold a mortgage on the condo. According to the XXXX, this type of activity has been reported many times and is a common behavior of this company, SLS. The public reports and complaints indicate that many people have experienced being treated this way by SLS. I'm not sure how many hands my mortgages went through during the housing crisis but it is horrible to think that a company would take advantage of all the confusion and shuffling of paperwork and make false claims against properties. Hopefully, this is an honest error on their part and they will acknowledge their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX XX/XX/XXXXSS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX OH 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 2020-06-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TJC Mortgage, Inc.
State: VA

Complaint narrative:
Refinancing company spoke to my husband in XXXX. My credit was pulled without his or MY consent. It is my name, alone, that is on the loan. I never spoke to anyone at all. We have called and spoke to the supervisor multiple times to have this inquiry removed. Inquiry remains on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
I met a seller on XXXX  who promised me goods if I paid him. I paid them using Cash App and once they recieved the money, they blocked all forms of communication with me. 

I have no personal information of the seller and cash app will not reply to my emails. I tried back charging the money XXXX {$800.00} XXXX but cash app settled the dispute in the seller 's favor because he told them " it was a money transfer ''. I have evidence and proof that we agreed an exchange of money for goods and even in the payments on Cash App, I specified the money was for goods. 

I am down {$800.00} and can not contact Cash App because they closed my account due to trying to backcharge the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Barclays failed to adhere to proper card transaction billing dispute requirements as outlined in Reg Z. 

The XXXX XXXX XXXX cancelled their annual compliance conference as a result of the COVID19 situation. As a result, my registration for that conference was refunded. Multiple contacts with the XXXX XXXX mind you, this is a banking association and I am a compliance professional by trade ) indicated that the credit had been processed yet it was not appearing on my account. Following Reg Z Billing dispute process, I created a case with Barclays to assist in resolution.

During that process, Barclays did not have sufficient options available on their website to adequately outline the reason for my dispute based on VISA rules ( .i.e Credit Not Processed ). Nor did they have any document portal for me to upload documents which I knew would be required. Their automated process simply dismissed my dispute indicating that they had not received documents when they never provided me with a mechanism for delivery in their workflow. I had to call them and tell them that I had documents they needed and only then - after endless time on hold - did they provide an address to direct the necessary docs to. Their dispute workflow needs to be evaluated to ensure it is clear and does not mislead the consumer or lead to delays in processing which could be easily avoided. Consumers not well versed in the nuance of Reg Z could be easily frustrated or feel compelled to not follow through. 

In the process of this disorganized mess, I couldn't help but notice they are clearly in violation of Reg Z ( 1026.13 ( a ) ( 3 ) ) - specifically the official staff commentary which reads : " 3. Notice to merchant not required. A consumer is not required to first notify the merchant or other payee from whom he or she has purchased goods or services and attempt to resolve a dispute regarding the good or service before providing a billing-error notice to the creditor under 1026.13 ( a ) ( 3 ) asserting that the goods or services were not accepted or delivered as agreed. ". Both their On-Hold message and the error resolution screen dissuade consumers from filing billing disputes without first contacting the merchant. Their phone message says " If you have not done so already, contacting the merchant may lead to faster resolution ''. Their dispute entry page on their website reads : " In an effort to resolve your dispute in the most efficient manner, we ask that you first attempt to contact the merchant for assistance. '' Clear violation of the spirit of Reg Z with the possibility of causing consumer harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: GA

Complaint narrative:
A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My husband and I had to do a loan modification with Flagstar Bank in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: CA

Complaint narrative:
I had a contract with XXXX about a rental vehicle. After I returned the vehicle, I discovered that I was charged an amount over 10 times greater than what was on the contract. I called my credit card company and told them to return my money as the XXXX representatives insisted on fraudulently and illegally keeping my money despite there being no contractual basis of doing so. I was given the money back by my credit card company and the XXXX representatives then wrongfully generated an account for me with the amount of money that they criminally established. I was later contacted by the debt collector agency First Financial Asset Mgmt and they insisted that this debt was completely valid. When I requested proof knowing they had none, they sent nonsensical documentation of the falsified amount in the account generated that I mentioned above and claimed that was " verification '' of this fraudulent debt. I told them over the phone and via letter repeatedly that there was a contact established and they are collecting an amount that I do not owe per contract. They consistently harassed me for this amount that I do NOT owe and even attempted to conjure an arbitrary monetary offer ( that was still far outside of the contract established ) in a manipulative effort to provide me the " opportunity to resolve '' this debt. They continue to harass me by trying to collect this fraudulent debt yet have not demonstrated a legal basis in which I am bound to pay as I am visibly not required to pay anything out of contract, let alone for a service I did not receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TX

Complaint narrative:
My husband and I had to do a loan modification with XXXX XXXX in XXXX. I was told all fees and late fees would be removed from my credit report. However, in reviewing all three of our credit reports it shows they sold us to a Planet Home lending in XXXX two months after the loan modification but they put all these late payments back on our credit report which is incorrect. 

I have tried to dispute these late fees and my loan number is XXXX, we have never been late but we did go through that modification process which put our payments in forbearance until the emergency modification was completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Recently, I found an accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My name is XXXX XXXX, I live with my wife XXXX at XXXX XXXX  XXXX XXXX XXXX MA. Our income was affected by COVID-19 and we apply for mortgage assistance with servicer of our first mortgage Specialize Loan Servicing ( SLS ) on XX/XX/XXXX. We request postponing of mortgage payments for 12 months supplying SLS with all required documents. At some point SLS deactivate the file claiming that some document were not received on time. Eventually the file was reactivated and on XX/XX/XXXX per SLS request, new ( or same ) documents with dates and signature were provided. In subsequent phone call to SLS on XX/XX/XXXX ( speaking with XXXX ) XXXX ( speaking with XXXX and XXXX ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX speaking with no name given ) XX/XX/XXXX ( speaking with XXXX ) XX/XX/XXXX ( peaking with XXXX ) and XX/XX/XXXX ( speaking with male -no name given ) it became clear that SLS process is slow and inefficient, different reps see different outstanding items and not willing to assist effectively. SLS allegedly have documents with missing signatures or missing dates. We supplied thise documents several times to no avail. They were all submitted on XX/XX/XXXX, XXXX XXXX XXXX and again on XX/XX/XXXX, almost two months after initial application. It seems that SLs is not willing to be of any help and move this process swiftly requesting same documents postponing this deferment of the mortgage payments. 

We feel hapless dealing with SLS as the process goes in circles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. 
I dont any contracts with this company and dont know who they are. 
I sent a dispute letter and still received no response from them. 
Just a update to my credit profile which is still inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I noticed this collection debt on my credit report that doesn't belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Account Name : NAVY FCU Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : FID INFO XXXX, XXXX XXXX Company Inquiry : 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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2020 - Purchase from Farzey.com ( {$130.00} ) XX/XX/2020 - Requested Update regarding order. ( Site promise delivery within XXXX days ) XX/XX/2020 - Requested Refund from Vendor XX/XX/2020 - Filed complaint through PayPal requesting refund. 
XX/XX/2020 - PayPal stated resolution would be complete by XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 XX/XX/2020 PayPal extended resolution process to XX/XX/2020 This complaint is against PayPal who has violated my rights as a consumer. I have requested a refund for this purchased which provider has failed to deliver, going on four months. I understand XXXX is XXXX customer and they are trying to do all they can to help their customer ; but in doing so, they have violated my rights to cancel this purchase which vendor promised within 10-25 days. I understand packages have been delayed due to current  Covid-19 concerns. XXXX and PayPal needs to understand, that due to their failure not to meet what is listed on their website, I have purchased and received the same items from another vendor and again requesting a full refund. I dont need duplicates of the items they have been unable to deliver. Once a purchase is made, does a vendor have unlimited time to deliver the order or should the customer have the right to have a reasonable expectation of receiving the order? If the vendor is unable to deliver the item within a reasonable amount of time, does the customer have a right to cancel the purchase? PayPal has decided to fully support XXXX, and deny me any liberties regarding the vendor/ customer process post purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I experienced financial hardship in XXXX in XXXX I was forced to file bankruptcy - Navy Federal was one of the accounts that I had to include in the bankruptcy filings, the amounts of the loans were XXXX and XXXX. These two loans were included in the bankruptcy filings. The bankruptcy was discharged XX/XX/XXXX and the civil case number for the proceeding is : XXXX. 
While attempting to rebuild my XXXX XXXX XXXX continues to report the account balances late, and have been reporting the balances late immediately after the discharge on XX/XX/XXXX. 
While I am attempting to rebuild my credit and my life, Navy Federal Credit Union continues to try and thwart my efforts by reporting the balances as past due each and every month. I believe that this is clearly a violation of the FCRA of XX/XX/XXXX ; These are willful and negligent violations which continue to decrease my credit scores and my FICO scores. 
I sought the protection of the Bankruptcy law however XXXX XXXX continues to be in violation seeking payment of a debt that was included in the bankruptcy procedures. I have been provided a telephone number XXXX, to contact and I am consistently told that I still owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: LA

Complaint narrative:
I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my equifax report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not EQUIFAX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
Equifax 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}

Company response to consumer: Closed with explanation