vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I called BMO on XX/XX/XXXX to request a mortgage payoff amount. BMO told me on the phone the payoff letter would arrive in a couple of weeks and for me not to pay my monthly mortgage as it would change the final amount. I waited for the letter but it never came. On XX/XX/XXXX, I requested a refinance from my bank for an auto loan as I needed a score of 750 or higher to qualify for the low rate, however BMO reported that I missed my XXXX payment and my score dropped nearly 100 points and I was denied for the loan. I wired the payment in the BMO that very day. I called BMO on XX/XX/XXXX to submit a dispute on the matter. They verified my email address and mailing address at that time. I have called BMO three times over the past few months to request a status of the dispute. Each time they told me someone would call me back but I never received a call. I called BMO again on XX/XX/XXXX to request another mortgage payoff letter. I again waited and NEVER received the letter in the two weeks they told me it would take to arrive. Covid came and I decided not to pay off the mortgage and would continue making payments in case I needed the extra money for emergency use. I have paid BMO two additional monthly payments this month proving I have the funds to pay them. Today I talked with a BMO representative and stayed on the line until they sent the letter to my proper email address. After I finally received the denied dispute, BMO simply says in the letter " The XX/XX/XXXX bill was not satisfied until XX/XX/XXXX. The late mark is valid ''. My aim is to get the late payment mark removed to restore my good credit rating. I feel I have done nothing wrong and BMO has denied my dispute without proof.

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: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
1 ) I believe that my mortgage account with SLS is being mishandled and miscalculated. 
a XXXX My mortgage was with XXXX XXXX and my payments were {$490.00}. XXXX XXXX assigned my mortgage to SLS a few years ago ( maybe XXXX ago ). On the second year they raised the amount {$160.00}. They claim they miscalculated my property taxes. I understand that this could happen, but I believe their amounts are incorrect. 

b XXXX XXXX weeks ago I called them to let them know that I purchased cheaper home- owners insurance ( as a heads up ). And, two payments later my payment amount has NOT changed. 

c ) I have a XXXX {$30000.00} balloon. XXXX XXXX explained that the amount will not change or collect interest. But, after speaking to SLS rep that amount has changed. 
2 ) I am exhausted and unsatisfied with the whole process.

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: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I received a negative report on my credit report. I filed a dispute with the three consumer reporting agency 's and contacted Common Wealth Financial Systems to let them know, that they have the wrong person. My name is not ( XXXX XXXX XXXX ). The Employee at Common Wealth Financial Systems said it was a mistake and they would remove it. The Three credit companies removed the negative report on my credit report. 
On XX/XX/XXXX i received a statement from Common Wealth Financial Systems & XXXX XXXX XXXX, XXXX. whom sent an itemized list of the bill in question. The individual XXXX XXXX XXXX lives in XXXX Tx. 
XXXX XXXX XXXX : Born XX/XX/XXXX XXXX XXXX XXXX : Phone # XXXX XXXX XXXX XXXX XXXX XXXX : Hospitalized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX XXXX XXXX XXXX : Charges {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX I am contacting the Consumer Financial Protection Bureau to help in this matter. These two Incompetent XXXX Companies have the wrong Person, Name, Address, City, Age, Phone #. I would like for CBFP to investigate these erroneous illegal acts from these two Companies.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
After numerous disputes and method of verification requests Experian still verifies information reported from XXXX XXXX as accurate. 

XXXX  and XXXX  both deleted information reported from XXXX XXXX from my credit reports after they could not provide information on what they based their reporting on. 

I sent them copies of certified mail receipts where they did not respond to my M.O.V. request within the required times and where they committed several Fair Credit Reporting Acts violations and they still continue their willful noncompliance. 

Enclosed are copies of some of my correspondence with them.

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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One acct in XXXX XXXX balance was {$5000.00} payment of {$50.00} was made a week before due date. XXXX bill arrived and balance was {$5000.00} now payment is {$130.00} due to added interest of {$86.00}. It was very misleading that new payment would be XXXX XXXX of balance + interest. This is taking advantage of senior citizens

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 — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX  2. ) XXXX XXXX XXXX 3. ) XXXX  XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My current and only address is : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. 

HARD INQUIRIES : THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED *XXXX XXXX  *XXXX XXXX  *XXXX XXXX  *XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} Fair Collections and Out XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have an unverified accounts from XXXX XXXX XXXX  AND XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX  AND XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX AND XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. The original date of default and collection activity began 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX  AND XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called speedy cash then just recently it was sold off to a company called XXXX XXXX XXXX XXXX This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted speedy cash collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted speedy cash I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact XXXX XXXX XXXX They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was speedy cash then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION
State: MI

Complaint narrative:
In spite being told to stop contacting my friends and family about my debt they continue to call them. We are working to correct the debt but they wont listen and badger my family about other contact information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX XXXX XXXX XXXX XXXX 2. ) Cap One 3. ) Capital One

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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}

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: 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: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was approved for a loan modification in XXXX of XXXX the following month my servicer transferred my loan to another servicer, Ocwen was my servicer then transferred to PHH mortgage servicing, I guess they are the same company now..I was sent my modification trial agreement I signed it and sent it back, my first payment was XX/XX/XXXX, I received a letter that they can not take my payment until my new servicer can verify amounts so I called to verify this and they told me to try back in a week I did still not verified so another week same thing another week same thing, finally last days of XXXX they took a payment. Then in XXXX I wanted to make a double payment to complete my modification trial and get my mortgage current, I called to do this and customer service told me no more payments needed at this time loan trial is complete, so I was told to wait for further instructions by mail I received a executed completed loan mod packet with my new modified payment which I signed and sent back ..my new payment was to be due XX/XX/XXXX so when I called to make my payment they said I defaulted on my loan trial arrangement so my modification is not approved, but they did take a payment from me over the phone which my bank processed, then they told me my next payment needed to be sent by mail only which I did and the lost it therefore still leaving me in Limbo still. They agreed with me by phone it was there error and had me send back mod payments for about XXXX and they would reverse the modification denial so I did this was XXXX XXXX so I waited for there decision after appointment and appointment still no resolution, so in XXXX of this year still no reversal of denial so the modification Dept. requested another amount of XXXX which I sent certified funds so on XX/XX/XXXX I was told by phone my denial reversal is denied which I feel this is giving exceleration to forclosure sale upper hand. I have all my documents to include, including cashier checks and completed loan mod agreement which they agreed I was giving the wrong direction..please help me just have them honor the agreed modification otherwise during this covid era my family will have no place to live because of a forclosure pending sale process..thank you

Company response to consumer: Closed with explanation