vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
I inherited my parents home after the death of my father and step-mother. My goal is to keep my home and avoid foreclosure. The mortgage on the home is in my father 's name, and is serviced by SPS, owned by XXXX XXXX. The property has transferred into my name with a Quit Deed, and I have a letter of authority & success in interest from the estate. I would like to assume the loan, and receive a modification to help the loan remain affordable, as I have a had a loss of income. 

The current servicer, SPS, has denied my request for a modification and assumption of the mortgage on my home mortgage. I have applied multiple times for a modification. I most recently applied starting in XXXX. Between XXXX and XX/XX/XXXX, SPS requested duplicate documents several times, and each time I submitted the documents requested. 

On XX/XX/XXXX, SPS sent me a letter that they were reviewing my complete modification application. On XX/XX/XXXX, I received a letter stating that my modification application had been denied due to " investor/guarantor Not Participating. '' This is the second time I have received a denial with the same reason given. The first denial was received XX/XX/XXXX. During the time between XX/XX/XXXX and XX/XX/XXXX I was being asked to repeatedly submit documents and applications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX  and Equifax on XX/XX/2020 and has attached a copy of the letter that was sent below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
Mr Cooper has Constantly mis applied my bi-weekly payments since or about XXXX of this year. I have called monthly to have to correct this problem. My mortgage is paid on the XXXX and XXXX for the following month. Problems range from hierarchy to system malfunctions. this has led to Me being allegedly late and my escrow funds not being funded properly. Every month I have been assured that that the problem would be fixed and as of now it hasn't. My payment plan is set through my bank as Mr. Cooper wants to charge a fee for bi weekly payments.When I did this I was told by a Mr Cooper representative that it would be No problem. I also send an extra XXXX dollars a month toward principle. I had a conversation again on Thursday XX/XX/20 because my XXXX payment was Not Applied to XXXX. I was assured it would be fixed, it hasn't. Also I was to receive an Escrow overage check, which I did. I wanted those funds to go back in to escrow which i was told they would, they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
In response to an unauthorized inquiry on my credit report under my social security number with XXXX, a division of CoreLogic, namely " XXXX   XXXX  XXXX  '' has failed to provide information authorizing them to conduct an inquiry without my authorization. When they failed to provide evidence of me authorizing them to run an inquiry on my credit report, I filed a complaint with CFPB, in response to that complaint ( XXXX ) they provided inaccurate information with no proof of authorization allowing them to run an inquiry on my credit report. Subsequently, I filed a second complained ( XXXX ) which they responded once again with insufficient information in order to correct their initial response and indicating the final response was mailed to me on XX/XX/2020, which they also recanted via voice mail to be ignored as it was an incorrect response. In conclusion, I have not yet received sufficient information and documents bearing my signature authorizing them to conduct an inquiry into my credit report with XXXX  and in their response letter the blame their client " XXXX XXXX XXXX '' for ordering this inquiry and they are referring me to a third party which I am not involved with or have knowledge of. 
XXXX XXXX XXXX, a division of CoreLogic is the information provider and obligated to provide me proof even though they may have been hired by their clients.

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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX Date XX/XX/XXXX XXXX XXXX/XXXX  of XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne card has reported that I missed a payment for XX/XX/2020 & I didnt miss a payment for XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
In early XX/XX/2020, I was made aware of XXXX debts on my credit report listed by National Credit Adjusters. 

To save me some time and trouble I immediately called them the same day, XX/XX/XXXX, to get my account numbers and notify them I'd be sending in a letter with an offer of payment for removal of this unverified and unacknowledged debt from my credit report. I wrote the letter that day and sent it via certified mail not long after. 

This letter also outlined my request that I either get an approval of my offer within 15 days, or I revoke my offer and request full detailed validation of the debt as I'm afforded by the FDCPA. 

I have received no response, and repeated attempts to call them now are not answered - I wait on hold for an agent only to be quickly hung-up on. 

It is worth noting here, to save myself a potential step of back-and-forth, that I had the address listed as " XXXX XXXX XXXX XXXX '' in the letter itself since that was how the company 's address was listed on my credit report. However, it was pointed out at the post office when setting up the certified mailing that the address doesn't exist, and it was sent to the correct address on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
XXXX XXXX I was seen in the emergency room. During my dos my XXXX XXXX Was active. The provider had 365 to properly file the claim to render payment. This is a XXXX charge that has been billed to me inaccurately. if you are on XXXX The provider is to bill the state not the patient. By the provider/collection agency placing this on my credit violates XXXX policies/procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
i notice an negative item from franklin collection since XX/XX/2020, and have been dealing with them with no reply, i sent letters in XXXX and XXXX and noone from the company has ever gotten back to me concerning this alleged debt and its real sickening for them not to care and cause me such grief. please assist me in this matter.i have attach letters that i sent to the collection company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I rented a vehicle from XXXX in XXXX, XXXX on XX/XX/XXXX. 
The rental was for two days with the vehicle due back before XXXX XXXX on Sunday XXXX XXXX. 

I returned the vehicle at approx XXXX XXXX on XXXX XXXX and later that day received an e-receipt from XXXX. The bill was incorrect as they showed a return time for the vehicle of XXXX XXXX. 

I contacted the XXXX contact center the next day to complain. I was told that it would take six weeks to resolve the issue as the team had no ability to see or resolve international reservations. I eventually got through to an XXXX Customer Service Manager ( who identified herself at XXXX, Floor Supervisor in XXXX, Employee No. XXXX ). XXXX was wholly unhelpful and told me I had no option than to wait. I was given no complaint number and no resolution status. 

I have used XXXX for many years and regularly drop off my rented vehicle at airports without any issues. 

My complaint : XXXX XXXX XXXX team did not book in the car at the time it was returned. Proof of this is my return flight from XXXX XXXX to XXXX XXXX ( I sent copies of this to both XXXX and Chase, my Credit Card provider ) * XXXX did not provide a response to my complaint * I disputed this charge with my credit card provider, Chase. They issued a " temporary credit '' on the charge while they took time to investigate the dispute. 
* I cooperated with all inquiries made to me by Chase Bank * I noticed that this " temporary credit '' was still appearing on my credit card bill in XX/XX/XXXX, i.e. nearly two years after the initial dispute * I raised the issue with Chase via their online portal. After several weeks I received an electronic response to say that Chase had found in the Merchant 's favor by virtue of the excess time that the dispute was open. This despite the fact that I have received no communication from wither Chase or XXXX in more than 18 months * I called Chase to complain. I feel I was mis-led by their operator XXXX XXXX and her Supervisor XXXX, who stated that it was normal Chase practice to leave open disputes until such time as either the cardholder or merchant called. I played back an example in which I purchased {$10000.00} of good then disputed the transaction the next day. XXXX insisted that the charge would be held in dispute in perpetuity if Chase was waiting for a response from either the Cardholder or the Merchant, with no limitation on time. I feel that this is a gross mis-characterization of the actual dispute process and was offered as a diversion to Chase 's failing in executing my original dispute transaction Chase has agreed to credit my account with {$75.00} ( the approximate amount of the disputed charge ), however it is their poor processes and deceptive explanations that I wish to highlight

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is reporting my a late in paying for XX/XX/2017 for Account number XXXX, when my bank account shows payments was made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They have refused to correct the information. At the time, we made payments to XXXX, who originally had the loan prior to transferring it to Bank of America. We were not notified properly of the transfer, and XXXX did not report the payments to BoA.

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 2020-08-07 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: GA

Complaint narrative:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
Bank sent me a credit card promotion that expired XX/XX/1900. 

I sent bank executives an email to explain the promotion but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to Transunion and XXXX on XX/XX/2020 and has attached a copy of the letter that was sent below.

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 2020-08-07 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: MS

Complaint narrative:
i notice some negative items on my credit that the bureaus are posting and i sent dispute letters to XXXX and XXXX  on XX/XX/2020 and has attached a copy of the letter that was sent below.

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 2020-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I am trying to use XXXX to link up to my PNC account as it is listed as able to be used on the XXXX app! I opened an account with pnc for that reason only and they will not allow it to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: OH

Complaint narrative:
On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate ( XXXX ). 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.

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 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
I product changed from Alliant Platinum to Platinum Rewards for a large purchase I made so I would get points. 

I should of received XXXX points for the transaction on XX/XX/20. 

I received XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: CA

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
1. Opened a premium checking bundle as advertised on the main landing page of first citizens bank to get the {$500.00} sign up bonus after fulfilling the following conditions Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening Open a new savings account 2. Both the above conditions have been met and multiple emails and phone calls to the bank from last 2 months have got no positive response on the bonus

Company response to consumer: Closed with monetary relief