vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I submitted a dispute with Equifax, XXXX, & XXXX regarding 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. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: VA

Complaint narrative:
I submitted a dispute with XXXX, Experian, & XXXX regarding 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. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on 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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/2020, I submitted a CFPB complaint against IC System, Inc for reporting a trade line on my XXXX credit report that does not belong to me. As a result of the complaint, IC System closed the account and deleted the trade line from my credit report. Once again, IC System is reporting the exact same trade line on my XXXX credit report. I have attached the company 's response to my first complaint.

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 2020-07-20 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: Ability Recovery Services, LLC
State: PA

Complaint narrative:
Ability recovery has erroneously re-aged a debt reporting on my credit files after request for validation and dispute. 

I filed an initial complaint with CFPB in XXXX of XXXX on lack of response to a debt validation request from Ability Recovery Services LLC for a debt in the amount of {$730.00} originating from XXXX University. After receiving the validation information sent from Ability Recovery Services I filed a dispute for erroneous information. The date of the original account on the letter they sent me reads XX/XX/XXXX. The debt was being reported to the credit bureaus as having an opening date in XXXX. 

Instead of correcting these dates the company has re-aged the debt to XXXX in violation of the Fair Credit Reporting Act! 

This type of predatory action should be stopped.

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 2020-07-20 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: AR

Complaint narrative:
I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX PHH Mortgage Regular Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Overnight Mail : PHH Mortgage Services Attn : Loss Draft Correspondence XXXX XXXX XXXX XXXX, OH XXXX Re : PHH Mortgage On XXXX XXXX my primary residence was badly damaged from the creek fire. PHH mortgage which services my mortgage account obtained an insurance company to cover the loss and issued a payment for {$380000.00} to rebuild. I obtained a contractor XXXX home builders along with XXXX and XXXX XXXX XXXX and XXXX XXXX. Permits where obtained and construction started in XX/XX/XXXX. Around XX/XX/XXXX the project was halted due to a correction discovered by the County inspector. The project has since been at a standstill since then and PHH mortgage which has the remaining {$190000.00} in an escrow account is refusing to release additional funds to make the necessary corrections in order to complete the project. I have been reaching out to them since XXXX XXXX in order to explain the situation and have a small portion of the funds released to get the correction complete and get us over the 50 % status in order to get a larger portion of these funds to move forward. I have hired an attorney XXXX XXXX to handle the matter but it has been a huge financial burden for me. I continue to make monthly mortgage payments for my house while living elsewhere. I can not continue much longer as things are and need assistance urgently. 
Having lost all my personal belongings in the fire. Becoming homeless overnight and struggling to keep my job and sanity. If your office can assist me with this matter it will be very much appreciated. I can be reached via email and phone and looking forward to a response. 

Best Regards, 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 2020-07-20 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: VA

Complaint narrative:
I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and 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. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on 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 2020-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have contacted XXXX XXXX several times about this item. It was included in my Bankruptcy and should not be showing up on my credit bureau. Attached you will find my Bankruptcy paperwork.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX I submitted a request for Late fee removal. I received Shellpoint Inquiry response On XX/XX/XXXX. I responded to the Shellpoint that I wanted data entries checked for XX/XX/XXXX and XX/XX/XXXX I assume the data entry dates were incorrectly input. I believe thats were the error occurred. There are no data inputs for XX/XX/XXXX or XX/XX/XXXX. 

In mid XXXX we received another letter stating her loan was delinquent. I called the XXXX number on the letter. I spoke to XXXX. I did not get his last name. But at the end of our 1 hour + call I asked him his name because of how awesome he was to take the time and really look at the data entries from years in the past. Again XXXX was his name.He told me he could see a request in the system to review the data entries. So my above request to have data checked in XXXX and XXXX that is where XXXX started to see huge errors on the loanhist.rpt. XXXX told me he could see where someone it appeared to try to correct the errors. He could see farther back on the account than the report I had. XXXX said the loan amount changed by XXXX $ in 1 day. he went back as far as XXXX. He said there were more errors but that I needed to wait to get the results of the open request he saw. I never got results from that request. We received another packet warning of foreclosure. 

I think at a minimum the late fees should be removed. I cant see the data all the way back but maybe she is owed money that was lost in the huge data mistakes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Respectfully, the purpose of this complaint is to have CFPB investigate XXXX XXXX XXXX-based Select Portfolio Servicing online mortage payment system should it be revealed that other consumers within XXXX, or nationwide were similary negatively impacted. In XXXX our family was unable to fully benefit from our CARES Act Economic Impact Payment that was directly deposited into our banking account. SPS 's online payment system automatically defaulted and deducted {$2300.00} from our account, while I was attempting a prinicipal and interest only payment of {$960.00}. This is the second time that SPS 's online system defaulted on a payment beyond my intended payment. The online payment system double charged us for two mortage payments totalling {$2600.00} on XX/XX/2019 as well. Please refer to documentation attached in Step # 3.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I have been trying to refinance my mortgage for over 90 days. The mortgage provider has promised ( in writing ) a credit to my account which it is intentionally omitting from the closing document. The mortgage company has sent the closing documents with the wrong information on the closing date several times and in every time I am told the problem has been fixed an additional amount is added to the closing statement. The company is misleading regarding the stated changes in the closing documents which are normally sent on the day of the closing leaving very little time for review and change.

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 2020-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
Our mortgage was sold from XXXX  XXXX XXXX to Carrington Mortgage LLC. It has been a nightmare since then. They apparently applied our first payment to the wrong account because they state we have been behind from day 1. We never had any problems with XXXX. We signed up for autodebit on the XXXX and XXXX of each month. They would debit our account prior to those dates which meant prior to payday! Most people are paid on the first and fifteenth! Most recently, I lost a job which is our secondary income due to COVID. I work in XXXX  which all closed due to COVID. Carrington offered a Forebearance plan for 90 days which I applied for and they approved. Upon completion of the 90 days I was to be notified how to resume payments. My choice was to do a repayment plan which was one of the options they offered. I called countless times and they were to send me paperwork for a repayment plan. OR they wanted all 90 days payment upfront to bring the account to date. I seriously doubt anyone who's job was affected by COVID can come up with 90 days worth of Mortgage payments. I for certain can not. Now we have received foreclosure notice. What kind of company sends a foreclosure notice when someone is making the effort to establish a repayment plan?? I have read reviews on this company and they are doing the same thing to literally thousands of homeowners. Someone needs to stop them. We are in a pandemic. What kind of company threatens foreclosure during this time? Also, I have made two payments which they accepted in XXXX since the forbearance ended so that shows good intention on my part. Please advise. This company needs to be dealt with for how they treat homeowners. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Veros Credit, LLC
State: FL

Complaint narrative:
I purchased the vehicle from Veroes credit in XXXX of XXXX, paid it off in XXXX off in XXXX of XXXX. 
There is a note on my report showing that there was a repo in XXXX in XXXX of XXXX, the same day i bought the vehicle. 
I just want it deleted from my report. 
Still have not receive my title.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed a collection had been reported on my credit report. 

The debt was reported by Tek Collect , Inc. on behalf of XXXX XXXX XXXX. 

I had one visit with XXXX XXXX in XXXX after which I heard and read reviews that they had a reputation for doing unnecessary XXXX  work, fraudulent insurance billing, etc. 

I moved to a different XXXX, though I settled my bill for my consultation and XXXX. They complied with transferring the XXXX and analysis to my new XXXX. I have emails showing all of these communications. 

Since XX/XX/XXXX, I have not received any communications, bills, phone calls, mail, or contact otherwise from either XXXX XXXX or any collections agencies. The first time I knew of this collection was from my credit report, which is a violation of my rights to understand what the bill is for, verify its accuracy and or dispute the collection. 

I called XXXX XXXX to try and resolve this but the company no longer exists. Tek Collect seems to only offer a sales website so the phone numbers look like they are for companies seeking collection services. 

I disputed the collection with XXXX  - they removed it from my report. However, XXXX  will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: IL

Complaint narrative:
I received a recent copy of my credit report in XX/XX/2019. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
i took my car to a XXXX dealer in XXXX NJ back in XX/XX/2020 they told me that my sun roof drains were clogged and it was around XXXX i paid in good faith with the card the next day the repair was leaking into my car i returned the car the next day and they informed me that they were still clogged i paid XXXX and they didn't repair it. now i had water in the front of the car and the rear of the car the carpets were completely drenched they said that it would cost another XXXX to correct the problem and dry the rug. I said no way they said that the 2nd time the leak was fixed but the next rain day it was leaking again just like before. the car was taken back once again and it still leaked. i took the car back 5 times the last time the dealer had my car for one week. upon its return it still leaked. 
5 times and no fix to the problem plus i was out XXXX for repairs that were not fixed I notified the card issuers after this and even sent them the service receipts all 5 of them. 
The card co removed and then put back the charges 5 times it started in XX/XX/2020 and has been in dispute as of today now they put the charge back on my account and will not allow me to dispute it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a recent copy of my credit report in XX/XX/2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, Equifax, and XXXX, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 received a recent copy of my credit report in XXXX of 2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.

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 2020-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and 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. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on 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 2020-07-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the reporting agencies regarding inaccurate and questionable information reporting on my credit reports. I never received any notifications in regards to the investigation results and 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. The original response was sent on XX/XX/2020 and the 30 day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation