vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Nicholas Financial Inc.
State: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY NICHOLAS FINANCIAL INC # XXXX. The dates were XX/XX/2020,XX/XX/2020, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sa-Vit Enterprises, Inc.
State: FL

Complaint narrative:
1. Savit Collection Agency ( 2 ) amounts reported {$300.00} & {$200.00} 2. XXXX XXXX XXXX reported {$170.00} 3. XXXX XXXX Solutions reported {$55.00} I have previously disputed to all ( 3 ) credit bureaus of the above stated amounts that is wrongfully reported on my credit report. All of the accounts are related to medical services related to tests, etc.. I did not approve of these services that was given to such agencies that was outside of my medical insurance company 's network. These types of unresolved issues with the doctors office should not be a part of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, XXXX, and Equifax. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, Experian, and XXXX. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Pandemic ( Covid 19 ) has caused me to have 1 late payment out of the 2 years I had the loan. Creditor updated late payment then turned around and put the late payment back on credit report. Sent goodwill adjustments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I requested VALIDATION stating signed documents with my signature are contact by the original creditor. 
Haven't received anything saying this debt belongs to 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 explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I made a one time payment for the mortgage payment due online. On XX/XX/XXXX XXXX also made a recurring payment of {$100.00} to go to escrow. There was an option to choose for the payment to go to escrow. The following morning I received a text message ( see attached ) that stated " We have received your request to modify your existing recurring payments. For details, visit ... ''. I did not sign into my mortgage account website to request to modify the recurring payment. I also received an email ( see attached ). After receiving the email, I then logged into the platform to find that an additional {$2500.00} had been added to my recurring payment. I did not add this nor did I initiate or authorize any modification or addition to the recurring payment I set up on XX/XX/XXXX. After discovering the addition of {$2500.00}, I cancelled the recurring payment. 

Why are my recurring payments being altered by your company? 
Why are there so many software bugs THAT ARE AFFECTING MY MONEY?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Cant redeem the rewards cash into my bank account. 
But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. 
I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? 

Have you sent any communication or card member agreement or FYI to the customer regarding this issue? 
Her answer customer will call us in case of any issue This is ridiculous. 
This discover was providing chat in the past new messaging system is ridiculous. 
They have taken away secure message center also Day by day Discovers standards are going down. 

And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. 
XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. 

During this pandemic - this credit card company is treating the customer so badly. 
For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
Originated refinancing with Mortgage Center NMLS # : XXXX on XX/XX/2020, still in underwriting, over 100 days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home Mortgage Alliance Corp. (HMAC)
State: MD

Complaint narrative:
We were supposed to close on the loan attached three  days ago and have heard no update or no end in sight leaving the buyer and seller homeless living out of hotels with their children. 

Loan officer is below. Outdated pre-closing disclosure is attached. 

XXXX XXXX XXXX Mortgage Operations Manager NMLS ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Alliance Corp. 
XXXX | XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On Thursday, XX/XX/XXXX I opened a Square account in order to process a credit card payment from a VA Contracting Officer. The payment was for a successfully completed contracting job where I was building a website in order to help a VA physician run a study. I created the Square account using accurate information about myself and linked my bank account. The total amount of the payment was to be {$3800.00}. On the XXXX, I spoke with the Contracting Officer on the phone and he gave me the credit card information to be entered for the transaction. I put the transaction into Square, and thought that would be it. However, later that day XXXX XX/XX/XXXX ) I received an email saying that due to unusual transactions transfers were being suspended on my account. The email linked me to a Square website which prompted me to upload several documents in order to verify my identity and the legitimacy of the transaction. I provided all requested documentation. I linked my bank account through Plaid, sent a copy of my driver 's license, and even uploaded a copy of the signed invoice with signatures from both myself and the VA physician with whom I had been working. Two days later, on Saturday XX/XX/XXXX I received an email informing me that my Square account had been deactivated and that my funds would not be released until XX/XX/XXXX. They told me that Square would not be able to " meet my business needs at this time '' and that the decision was final. When I attempted to contact Square customer support on the phone, because my account was deactivated the system did not allow me to speak to a human being. I sent them an email message from their support website which was also unanswered. My business did not and does not violate the business that they say are allowed, and the singular transaction that I processed was completely legitimate. They gave no information as to why my account was deactivated, and it has been impossible for me to determine the cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: VA

Complaint narrative:
I found some debt collections on my Credit report in XXXX for Credit Services Company , Inc. I sent a request for validation of the debt on XX/XX/XXXX. In response, I received 3 debt notification communications dated XX/XX/XXXX for 3 accounts and a note that stated that I had 30 days to dispute the validity of the debt. The notifications had two names on them, my name and a XXXX XXXX. On XX/XX/XXXX, I received a notification that one account had been cancelled. On XX/XX/XXXX, I sent a second request for validation of the debt for the remaining accounts via certified mail and received USPS confirmation that the letter was delivered at XXXX XXXX  on XX/XX/XXXX. I received no response. On XX/XX/XXXX, I sent a third request for debt validation citing FDCPA and other laws requiring them to provide proof that I owed this debt. I received delivery confirmation that the letter was received on XX/XX/XXXX. In response, I received a one page document dated XX/XX/XXXX for one account stating they had determined that the debt was valid, but with no validation documentation as required by law. I received a second letter dated XX/XX/XXXX with the statement that they had concluded that the debt was valid along with a bill dated XX/XX/XXXX with both my name and the name XXXX on it, but no validating documents or anything with a signature on it. 

CSC has refused to remove the debt from my credit reports. I have given them more than ample time to provide documents showing that I incurred this questionable debt. CSC is still reporting this collection on my credit report, which is considered to be a continuation of collection activity after a request for debt validation. The combined debt amount is {$2000.00} and CSC continues to add interest every month and then report the outstanding amount to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I requested VALIDATION stating signed documents with my signature are contact by the original creditor. 
Haven't received anything saying this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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:
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 2020-12-18 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: IL

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 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
i have called Shell Mastercard twice to close credit card with XXXX  balance and inactivity. 
They said they would close it. However I keep getting statements from them. 
I also have a credit of {$1700.00} that they said they would send me via check. I never received it. 
Shell Mastercard XXXX XXXX XXXX XXXX, KY 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 non-monetary relief
Consumer complaint received 2020-12-18 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$73.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

-- XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Loan Servicer withheld information from Escrow and Title Company that they paid the taxes. Therefore, Escrow and Title Company withheld {$4700.00}. Loan Servicer needs to provide copy of cancelled check or issue stop payment and reissue funds to me. Included is proof escrow withheld the property taxes and paid them. Even with a release they refused to work with the Title Company and Escrow company to clarify payment.

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