vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was in the furlough program with my mortgage company BB and T and have never been late on my mortgage. i paid off my mortgage and now it shows i am 120+ days late. i have tried to fix this with bbt but they havent helped. i am now trying to get another mortgage and cant because of this mistake by bbt on my credit. I also went into a XXXX branch and they told me to call XXXX XXXX. everyone wants to blame the other. now i am left with no mortgage and this cares act was supposed to not let this happen. I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Insight Management Partners, LLC
State: AL

Complaint narrative:
This company reached out to me and I was unavailable to talk. Later that afternoon, my father called me and said that someone called him looking for me and had used profane language and called him out of his name. I got the phone number from him and realized it was the same gentleman I'd spoken to earlier in the day. For awhile, there was no additional contact. I then realized they'd been calling my house phone but I am typically in meetings and do not answer. 

From there, I answered another call and requested that the company contact me via mail and stop usage of phone calls. The associate then got nasty with me. I told them I would be reporting them and then hung up. 

Today XXXX XX/XX/21 XXXX, I received another phone call and told the person on the phone that I would like them to stop calling me and hung up the phone. They immediately called back. 

This company uses abusive language, calls entirely too much, and had no business calling my father and cursing at him when they'd spoken to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have been receiving repeated calls from a collections company that identifies as Sequium Asset Solutions. I have checked this company online and they are located in XXXX, GA. I believe I do not owe money to any provider. The representatives do not discuss what this alleged debt is about not do they give me information, unless I first confirm the numeric portion of my residential address and the last 4 digits of my social security. I have consistently declined to provide this information, unless I know what the call is regarding to and have repeatedly requested that they instead send me a letter, since they seem to have my address. I am concerned because the XXXX has received MANY complaints about this company reporting to the credit bureau on accounts that do not exist or where money is not 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 2021-04-06 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: IL

Complaint narrative:
These accounts showing on my personal profiles are not valid accounts and are Fraudulent in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have reported to all 3 bureaus that this account is fraudulent and this issue hasnt been resolved XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was trying to put a freeze on my account at Equifax after I learned about the XXXX information breach today. 

I sign in and when through all the hoops to get to the freeze and then then the process stop and I was told to contact customer care team. 

I called the phone given - XXXX XXXX XXXX XXXX and I went through a big long phone loop XXXX to no avail. I tried many times. I found another number - XXXX XXXX XXXX and it was the same big long phone loop XXXX that got me no where. There is not a route to speak to a customer care team member so that is a lie and a waste of time bunching in all these numbers to prove who I am and in the end Equifax phone hangs up on me. I tried 5 times, wasting an hour. 

Equifax phone message - you can remain on the line to speak to an agent is a lie!!! There is not a phone route to get to a real human being to talk to to resolve an issue. 

I could write in-depth about the many pick a choice questions ask for proof its me and when I press 5 for none of the above it keeps asking the same question, no matter how many times I press 5. 

I still do not have a credit freeze on my account. 

Clearly Equifax doesnt care about the consumer and they know they dont need to because of the monopoly of the three agencies - Equifax, XXXX, XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I went to XXXX XXXX terminal is : XXXX time XXXX and tried to withdraw {$2000.00} from the atm however it did not dispense. I filed my dispute with American Express Serve on XX/XX/XXXX and spoke with customer service who stated that they had received the dispute documents and I should receive a decision by XX/XX/XXXX for temporary credit. I didnt receive any communication regarding the credit. I called on XX/XX/XXXX and spoke with a lady by the name of XXXX who stated that my information was never received. I have uploaded the dispute forms twice and faxed the dispute form and the fax stated it was received. I cant anyone to help or expedite the process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: U.S. BANCORP
State: CA

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/XXXX ELAN FINANCIAL SERVICE Account XXXX Information on this item has been updated. Please review your report for the details. 

Show Details | View your Report | View your credit score ELAN FINANCIAL SERVICE {$1900.00} Closed 13 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$1900.00} {$1500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1900.00} Highest balance - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements **CONSUMER STATEMENT** ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 
Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 


OK I paid this off, all XXXX on XXXX all of it witch i think is way to much and I want it off my report NOW, I'm trying to get a loan for my business and there really messing up the opportunity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/2021, my father and I called the company that represents itself as Transworld Systems for a debt that was owed at a sum of approximately {$1500.00}. After speaking with a representative, the debt was settled by the sum that the company offered, at XXXX at approximately half the owed sum. My father paid the sum over the phone on that day by the end of that phone call. We were provided with a confirmation number and assurances that we would receive a written correspondence via mail confirming the settlement of the debt. The account therefore, was closed. However, two months later during XXXX, I am disputing this open account with the credit bureaus that have investigated the dispute and have found an open account for XXXX with Transworld Systems as " accurate '' - despite the fact that both parties mutually agreed to settle the account to an amount offered by Transworld Systems. We never received a written confirmation of the debt that was settled by mail, and the company refuses to report that this account was settled and actually report the account in an accurate manner to the credit bureau. This is alarming, because even their company records admit that their communications are recorded, yet they continue to misrepresent the settled account. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid of most of my credit card a nd a few days later they put in a late fee on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
bankruptcy being reported on credit report, I asked XXXX  and Equifax to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. Equifax and XXXX  stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX  and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
bankruptcy being reported on credit report, I asked Experian and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and Experian stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit 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 2021-04-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I paid of most of my credit card a nd a few days later they put in a late fee on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I received a bill from XXXX of Michigan for services received in XX/XX/XXXX. I paid the fee of XXXX on XX/XX/XXXX. I received several calls from XXXX stating I did not pay the XXXX. I told the company the date the payment was made and the check number. The clinic continues to call and write me regarding this bill. I sent a copy of the cashed check. I also requested they no longer contact me. The company received a COPY OF the cashed check. The company received a copy of the cashed check on XX/XX/XXXX. XXXX sent this account to a collection agency, Transworld System Inc. I informed TSI that the payment was paid on XX/XX/XXXX. Despite evidence of this paid bill TSI has continued to call and send collection letters. 
I believe the companies, XXXX and TSI are harassing and extorting money. The next game they will play is to continue to pass this alleged bill onto other companies. 
I am requesting the following, 1. the harassment to stop 2. An apology from both companies 3. XXXX  XXXX  dollars for their unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have an existing mortgage that has been sold a number of times. The mortgage is at least 15 years old, condominium, and my primary residence. I am a retired XXXX XXXX County employee and veteran of the XXXX. The latest company to hold the note is Shellpoint Mortgage Servicing, who placed forced XXXX XXXX on it without any communication prior to increasing my escrow payments from {$71.00} a month to {$530.00}. a month. It increased my monthly mortgage payment from XXXX a month to {$1300.00}. 
I have since provided them documentation proving the required insurance coverage and they are " supposedly '' reviewing and will then re-evaluate my escrow requirements. From my numerous phone calls I have been led to believe this will soon be straightened out but until Shellpoint Mortgage Servicing took over the loan there was never any problems like this that could and would put me at risk to lose my home. Are mortgage companies not required to notify customers before placing hazard insurance and verifying whether such insurance already exists? The fact that Shellpoint identifies as a Debt Collection firm rather then a a Mortgage Company implies the consumer has done something wrong, instead of a client with a home loan. My once affordable home has been relegated to a debt I can no longer afford by simply being sold to New Rez, XXXX  Shellpoint Servicing. 
There needs to be legislation enacted that protects home owners, especially retired home owners on a fixed income from predatory practices demonstrated by the actions of Shellpoint Mortgage Servicing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I purchased a Motorcycle In 2006 had in it Financed through HSBC. We had paid this loan off over a decade ago. I have recently sold this motorcycle but am not able to get the title to sign over to the new owner because HSBC still has a lien on the motorcycle. I have called the number that their customer service refereed to me as the department that deals with the lien and the number they provided to me just rings. I also was told to email the request with vehicle registration which I did and have not heard anything from them. Like I mentioned the motorcycle has been sold and new owner wants title asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: GA

Complaint narrative:
The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up a membership with Costco. During the process, the staff member asked if I would like to apply for a Costco credit card. I know my score is at least XXXX so I figured I would get approved. I submitted it and it came back that they needed to verify information and to call a specific phone number. I called the number and they wanted me to verify my telephone number. I did and it denied me based on my phone number I guess. She said I would receive a letter explaining why it denied me. I get this generic letter with zero information on it except that they were unable to verify information. It doesn't give me the option to provide them with any additional information and it doesn't give me any specific information on the denial but it put a hard inquiry on my credit report. I should have been afforded the opportunity to provide documentation and they should re-review my application instead of casually denying my request with zero explanation and zero opportunity to submit the required documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA

Complaint narrative:
Began refinancing process with InterContinental Capital Group XX/XX/XXXX. This refinancing is for my house as well as a duplex I own. I have worked with ; XXXX XXXX ( Senior Loan Officer ) XXXX XXXX XXXX ( Closing Processor ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processor ) XXXX XXXX It is now XX/XX/XXXX and they have still not been able to provide updates on my loans! I cant reach anyone by phone and repeated request via email for updates get no responses. When they do respond, it is asking for more info ( today the asked for Social Security deposit statement for bank - which they ask for every single month ). Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: DISCOVER BANK
State: NY

Complaint narrative:
I paid of most of my credit card a nd a few days later they put in a late fee on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. XXXX has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called XXXX and they are telling me they have zero information on my account. I called Experian and the other two credit bureaus and they both are laying the blame on XXXX. I filed a complaint with Experian in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what XXXX has been doing as they have my full late payments listed as far back as 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