vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent Equifax 4 different dispute letters over the last six months asking them to provide validation and the show that I owe this debt by showing my signature on the contract that I signed with XXXX XXXX XXXX XXXX. According to section 609 of the FCRA, they are required to show a contract with my wet ink signature on it and it has to be 100 % accurate, but they keep sending copies of my signature and saying that they verified the debt when they have not. Also, I received the letter from XXXX XXXX XXXX XXXX on XX/XX/2020, stating that they were unable to locate an account with my name and account number, I also sent the copy of this response letter from XXXX XXXX XXXX XXXX to Equifax, but Equifax still says they verified that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, NATIONSTAR, XXXX, AND XXXX  SEE ( CASE NO.XXXX XXXX XXXX XXXX XXXX XXXX ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The house was transferred to me and is in my name after the death of my husband. The mortgage company is refusing to give me any information about the home because the loan is not in my name. The house is in my name because I had it legally transferred in my name after his death. I have continued to make payments but I don't have any information about the loan on the home or the insurance because they are refusing to talk with me

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING OCWEN MUST NOW DO THE SAME.XXXX, XXXX  XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
We had a financial hardship and reached out to Amerihome for assistance back in XXXX. we wanted to modify our loan. They sent out wrong documents. They just sent us a general loan assistance packet. so I had to call and request modification documents again so we could try to modify the loan. This process took over two months. we had tried making payments online to keep from falling further behind and they would not allow it. at that time we were two payments behind and it was demanding the whole amount. They would not let me make just one payment online. when I would call in to make just one payment the first representative told me I could not. So we fell another month behind and then the next month when I was ready to pay again I finally got a representative who actually let me make just one payment. By the time we finally got the correct modification documents we had already proceeded to file bankruptcy. We filed chapter XXXX bk on XX/XX/XXXX. According to our bankruptcy we needed to pay our XXXX payment. I have been trying to call Amerihome mortgage since XX/XX/XXXX and have been kept on hold for up to an hour and 40 minutes without any response. I have tried every day to pay online and it says unfortunately this option is not available please call customer service yet my monthly statement tells me I can pay online even while we are in bankruptcy. The monthly statement shows we are owing for XX/XX/XXXX post bk and what are pre-petition and a post-petition payments are ... I have tried messaging and asking them if we can just set up one payment and I get a poor response back telling me to call customer service. Yet due to covid-19 can not get ahold of anybody. Today when I tried to call it just says we apologize for the inconvenience but all lines are busy please call back at a later time. All I want to do now is make a payment and there are no options for me unless I talk to a representative. I should be able to pay when and how much I want online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc.
State: VA

Complaint narrative:
Today I contacted Receivables Management Systems and made a payment in full for two accounts totaling close to {$250.00}. I asked for a pay for deletion and was told to send a written request. I noticed that amount reporting is {$31.00}. I called back to see why the balance was reporting was only {$31.00} with the bureaus and was told that they were not sure and there was no pay for deletion. I am not working due to COVID-19 and used some of my stimulus money to pay the balance. I wanted to pay what was due but was misrepresented with the incorrect balance and information. Furthermore my Hippa rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XX/XX/XXXX : When I tried to get the free annual credit report from all 3 agencies off XXXX I was only able to get it from XXXX  and XXXX, but not from Equifax. The webpage said I needed to download a form and send it in with a copy of my SS card and Drivers License or one of several other personal documents. I don't feel comfortable sending that information by mail or by fax. 

This is the second consecutive year that this has happened with Equifax. Same thing happened requesting reports in the same fashion in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Re : Bank of America credit card I've had my card since 2016 and never missed a payment. I did fail to pay min balance once, but corrected my error ( about 1yr ago ). Since, I have been paying twice monthly to insure that I was able to meet min due. Recently, I began receiving automated calls about my MC. I dismissed as spam call. Today, I received email re : delinquent acct. I called card directly, thinking it spam but was told that I am indeed delinquent. I inquired about payments & was told that the once in the middle of the cycle don't count. I am working to pay off card.

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 2020-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank
State: FL

Complaint narrative:
My loan began with Florida  Community Bank. In good faith effort to repay {$10000.00} for a short-sale balance due. This originated back in XXXX and was from a former line of credit. The documentation clearly indicates an excellent payment history. The load has a maturity date of XX/XX/XXXX. Over the past 6 years, I have made payments equal to or more than requested in a effort to avoid any late payments and repay the balance in a timely fashion. On several occasions, they have marked my payments late and have had to correct it by sending the credit bureaus letters of correction, which usually takes a month two for the correction to appear. In order to prevent this from happening over and over again, I spoke with the loan officer Ms. XXXX, whom I have dealt with many times in the past and has been very patient and incredibly helpful. Since the acquisition by Synovus, my payments have been showing up late and Ms. XXXX found that the bank refused our original agreement and decided to charge-off the account ; In turn, impacting my credit score negatively just as I was about to refinance my mortgage in order to lower my payments ( I have been forced to try and save due to the COVID-19 impact on our finances ). Synovus offered to reduce the balance if I paid 70 % in full. I have asked if they would consider 50 % to 60 % and clear my credit. It has been over 5 days and I have not heard back from anyone at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
- I am currently making monthly payments to a hospital directly which are being accepted. 
- I received a notice from Credit Collection Services dated XX/XX/XXXX looking for payment. 
- I sent a cease and desist letter via certified mail which was received and signed for on XX/XX/XXXX. 
- The cease and desist letter was ignored and I received another collection letter dated XX/XX/XXXX. 
- The collection agency also attempts to call on a regular basis, going against the cease and desist letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XXXX XX/XX/2020 @ approx. XXXX I called IQ Data International, Inc and spoke to Mr XXXX XXXX . This call was regarding an account they have for me from the requests of another organization. I explained to Mr. XXXX that the information that was provided to his company from that company was based off of fraudulent information and asked him what his company needed from me in order to have this account deleted. I explained that I had documentation that would dispute that company 's claims. He then rudely tells me that he " doesn't care ''. He then goes on a 2 min rant on how the eviction process works and that he hears stories like mine multiple times a day. When I told him that what he just explained wasn't true in my case he said " so I just wasted 2 mins of my life and you weren't even listening '' And when I told him I was but the information he was given wasn't correct, he said again " you weren't listening '' When I calmly asked him why he was speaking to me that way he begins his rude and disrespectful tone with me again. I then asked to speak to his Manager, and he said " no ... my manager trained me ''. At that point, I decided I would no longer accept his verbal abuse and said " ok '' and hung up as he started in once again. I believe when Mr. XXXX first got on the line he said " my Supervisor is ... .XXXX  extension XXXX '' but he was speaking so fast I couldn't understand clearly. I understand this company is in the business of collecting a debt but does it do so knowing the information provided wasn't accurate?? I'm not sure but I believe this may be illegal. Harassing people over false information and then refusing to accept the truth. He just simply dismissed everything I said as lies, not ever telling what I needed to provide to him to prove my case. But regardless, to speak to someone in such a harsh demeaning manner, especially when unprovoked, is mind boggling to me. I believe this call was recorded

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 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: NJ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: NJ

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TCF NATIONAL BANK
State: AR

Complaint narrative:
XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING XXXX MUST NOW DO THE SAME.XXXX, XXXX XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have been trying to contact HESAA regarding my student loans for the past three weeks-their phone lines are down and no one has replied to my emails sent to their Client Services email address. I emailed them three times, as well have been receiving assistance from the New Jersey Department of Banking and Insurance, who also has been calling and emailing them and not getting a response. 

My account currently states that HESAA has not received my last scheduled payment and my account is delinquent. My last payment due date was XX/XX/2020, and I made a payment on XX/XX/2020 of the full amount. The payment history is reflected on the HESSA website, and I have the confirmation and credit card statements with the payments as well. 
I was hoping to get clarification about the delinquency of my account. 

As I have not received a response from HESAA since I began contacting them mid-XXXX, the payment I made for the month of XXXX was my normal payment, not the double amount which my account currently states I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There were three transactions that this creditor called XXXX took out of my account after I had given them notice NOT to over three weeks in advance and they were already in a debt consolidation program with my lawyer 's office. These amounts were all in the amount of {$100.00}. Bank of America credited my account and put a stop payment on this creditor months ago, but now Bank of America is threatening me, a senior citizen on a fixed income, that they are taking back the credit if I don't give them more proof in writing. I have a copy from my attorney 's office that I submitted to them and I am submitting to you showing that XXXX is in this program and should NOT have been debiting my account. Bank of America threatened me if I didn't fax them proof before the end of this week, they would take the money out of my account which I don't have. I faxed them the proof today but felt it necessary to send you this information also because I am having so many problems with this lender.

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 2020-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: UT

Complaint narrative:
This complaint is to dispute communication with XXXX XXXX and IC Systems. I had an emergency room visit XXXX of XXXX where I spoke with a doctor and provided a XXXX sample and was charged {$520.00} after insurance. I request a lower rate after a few months of service upon receiving a bill. I was told that they would call me back after a review was conducted. A few months later I was reached out again in XXXX of XXXX after no phone call was made and explained the situation over again and was told to wait for a call, to which I provided the number they should call. Then in XXXX of XXXX I answered a call from IC Systems explaining they were a debt collector for XXXX XXXX and that they were to collect a debt. The very same debt that I had inquired about and was waiting to hear back, even though I never received a call from XXXX responding to my original request. At which point I explained again what was going on. They said I could send in a physical letter asking to dispute the charges from XXXX XXXX. I asked if I could file this dispute electronically and was told that was not a possibility. I explained to them to stop calling me and then I would send the letter and to email me the physical address to send the dispute. I called a second time a month or two later after not receiving the email after verifying that I don't not receive the email, nor in a spam/junk folder, and was told they would send the email again. I also re-verifying my email. Now XXXX of XXXX I get a hit on my credit report with a collection action. I then called IC Systems back to which I had to explain the issue once again and requested they reverse the item on my credit report. They said they can not reverse the item on my credit score and said they can confirmation that the email was sent. To which I checked my email again on the date they provided it was send of XX/XX/XXXX, and it was not there. I was then given the actual address to send the dispute to. When I asked XXXX XXXX, a supervisor, at IC Systems to wait on hold for a few minutes after a short while she proceeded to hang up without notice. I now have the physical address to send the dispute per their policies. I plan to send this dispute tomorrow ( XX/XX/XXXX ) the day after speaking with IC Systems. I would like this reverse immediately due to the lack of communication on XXXX XXXX 's part and IC Systems for not returning calls as promised or delivering emails.

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