vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
I started the process of applying for a refinance on my residence in XX/XX/XXXX. The appraisal was completed and documents submitted within 48 hours after they were requested. The rate lock was through XX/XX/XXXX. The closing on the loan has been delayed several times. The latest delay is with underwriting. 
Ive had contact with the company via email and telephone on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
Inaccurate Closing Disclosure documents were sent to me and a closing scheduled for XX/XX/XXXX. The closing was cancelled because accurate numbers were not provided. Points and fees were not as agreed to. At that time I discussed increasing the loan to 80 % ltv versus the original 70 % loan. The current delay is with underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I check my credit report regularly - On XX/XX/2020, my mortgage loan with XXXX is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted XXXX to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted XXXX and they said they were unable to assist me because their system shows my account as current.

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 2020-12-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.

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 2020-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-14 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: TX

Complaint narrative:
Used XXXX to plan a trip my card was charged in total {$2700.00}. I emailed XXXX tried calling, I knew COVID was effecting travel but never dream a company would take advantage in these times. I filed a dispute with Barclays within the time frame and was told they could not help me. My husband and me are retired and on a fixed budget. Please let me know what can be done. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Upon arriving to the closing table at the XXXX XXXX XXXX , XXXX to sell my home on XX/XX/XXXX I was presented with the Seller Credit/Debit sheet, where at that time I discovered a mortgage payoff to PennyMac Loan Service, LLC consisted of a 2nd mortgage in the amount of {$78000.00} being held through the Secretary of Housing and Urban Development ( HUD ), of which I was completely unaware of prior to receiving this document. In XX/XX/XXXX I met with a bankruptcy attorney to sign paperwork to file bankruptcy, but was advised not to go through with the bankruptcy by the attorney based on the fact that both myself and the attorney were under the impression that my home held about {$80000.00} in equity and was therefore given the option to either sell my home to access the equity and pay off debt that accumulated from an extended period of lack of work or work with debt companies to slowly pay off over time. I contacted my mortgage company on two separate occasions prior to deciding to sell my home for mortgage payoff information and was NEVER provided any information or details into the now apparent 2nd mortgage that occurred from 2 previous loan modifications done in XXXX and XXXX and subsequently was never provided with any information or details of this 2nd mortgage throughout the entire duration of the existence of said 2nd mortgage, to include, but not limited to, statements ( paper or electronic ), online mortgage account access, or phone correspondences between myself and my mortgage company, PennyMac USA. As a result of this complete lack of information and/or visibility into the said 2nd mortgage loan multiple financial " damages '' were incurred. I am therefore submitting this complaint against PennyMac Loan Services , LLC and/or the Secretary of Housing and Urban Development ( HUD ) for gross neglect and negligence on their part to disclose information and/or any and all details of the 2nd mortgage with regard to the full amount ( s ) owed, as well as, rate ( s ) of interest being accrued, penalty and payoff information, at any time during the existence/course of the 2nd mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
I am trying to obtain a payoff for a mortgage with TCF Bank. I have submitted the request for the payoff three times but TCF Bank is saying they have not received the request. It has been over three weeks and the mortgage is in foreclosure, yet TCF Bank is refusing to send the payoff. I think they want to foreclose because there is so much equity in the property and they will financially benefit from not having it paid off before it is foreclosed upon. This is scandalous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

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 2020-12-14 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: FL

Complaint narrative:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

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 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
I have no idea. This number calls and will not identify who they are or what collection company they are affiliated with and or what the alleged debt is that is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CA

Complaint narrative:
XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.

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 2020-12-14 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: IL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-14 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. 

They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. 

They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. 

Santander has no reason to disqualify my account from the settlement and deny removal. 

Please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
my information has been comprimoised and used to open several fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have contacted Bank of America 6-7 times about overdraft fees.I get paid by paper check threw US mail, due to COVID everything has been backed up and I fully understand this. 
Bank of America has changed allot of its banking methods no longer can you access your funds until next business day even if you deposit in person, my check was on hold from when I deposited it on XX/XX/XXXX until after XXXX on the second of XXXX. 
I've been banking with them for years, same check for last 4 years into same account. 
I was charged overdraft fees for the following XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x4 XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} XXXX XXXX - {$35.00} x XXXX XXXX XXXX - {$35.00} When I called the bank I was told I should of had called sooner, even though I did call and got no help, I explained we are in a middle of a pandemic and i am really struggling and I need help I have XXXX children, I was dismissed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 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: Credit Plus Inc
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX CREDIT PLUS add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
The following attachments are to select portfolio servicing in the unresolved complaints closed by the cfpb. 
This is the first of 2 submissions to prevent timing out of the system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
There is a collection account listed on my credit file from an apartment complex. At no time did they ever notify me of this debt. I demaned proof as per the STATE OF FLORIDA landlord tenant law they had to send me information within 30 days the move out date. I did send them a certified letter letting them know they were out of compliance and that this should not have hit my credit report and they are still reporting the debt which is a clear violation and I want this removed from my credit file ASAP! I do not care about the deposit I just want this off my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Date XX/XX/XXXX Amount XXXX $ Try to payoff if it is XXXX $ Company : Westlake financial services Auto loan. 

Hi I purchased a new car on XXXX with high interest. Now in pandemic emergency situation I am in financial bad situation and cant afford pay this high interest payment. I offered company that if the payoff amount is XXXX XXXX I will try to payoff whole amount.by borrowing money from my family members. 
But company did not approve my offer. I want you to fix this problem. I am in deep financial problems because of COVID-19 pandemic emergency situation. I sing contact XXXX and that time there was no situation like today. My XXXX business went down 70 %. 
Please help me to solve this problem and safe my life. I am in deep financial problems. In COVID-19 emergency situation lot of company laws are being compromised. Please help me Thanks

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 2020-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
This lender bought my VA loan and has my name spelled incorrectly on escrow papers. I have made several attempts for them to correct it and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: ABSOLUTE FINANCIAL SERVICES, INC
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, Absolute Financial Services ) add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have over 5 different accounts that I transferred with NFCU.Navy Federal credit union continues to leave a balance on all of them. I have contacted them repeatedly. In XXXX of 2019 my credit score was XXXX because of the balances on these closed cards my credit score is now XXXX. There is also a loan that was paid and still showing open. All these need to be at a XX/XX/XXXXbalance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation