vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-29 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: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. XXXX  and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XXXX/XXXX/2020 and they have failed to respond back.

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 2020-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: VA

Complaint narrative:
I am submitting this complaint because I am being extremely affected by ENHANCED RECOVERY COMPANY , LLC. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information. 

My demand is TO GET THE 2 ITEMS REMOVED FROM ALL 3 CREDIT BUREAUS, and is based on many damages and several violations that they have committed : 1. Excessive phone calls. 
3. Falsification of account info and charges, 4. Violations of XXXX. 
5. Violations misrepresentation of facts, 6. Missing date of last activity. 

Accounts : Account number 1 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX, Date Opened : XX/XX/XXXX. 

Account number 2 : Account Name : ENHANCED RECOVERY CO L. 
Account # XXXX Date Opened : XX/XX/XXXX I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
The bill due for my mortgage with Volunteer mortgage in Tennessee was nearly twice my regular monthly payment, so i track it down to the line with the {$350.00} addition ... it is for " corporate advances '' ... and the description for that ( on the bill ) was " advances paid by the servicer for work performed such as property inspections, valuations, legal fees and costs ''. 
I called my lender and ask what this is all about. The gentleman on the other end put me on hold for 5 minutes and came back to tell me that it was a fee added because the bank reevaluated the value of my house every 30-60 days ... So i ask why, in ten years, i have never seen this fee before ... especially if it occurs every month or two ... I'm placed on hold again and he comes back with a whole new story that their company merged with another bank in XXXX of 2019, and that their lawyers went through all their accounts to make sure they were on the up and up ... and that was my legal fee to pay for their merger and acquisition. I am still unsure what the real story is. 
I have attached a document of the bill.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: LA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XXXX XXXX, 2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: TX

Complaint narrative:
On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-29 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: TX

Complaint narrative:
On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-12-29 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX or credit companies

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 2020-12-29 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: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX , OH XXXX fraud charges that never was handled - tried to get removed didnt happen by XXXX  or credit companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Company is called XXXX. They have called repeatedly about a debt they believe I owe. 

I have sent this communication to them via email " I XXX Dispute the Validity of Debt Account # XXX for {$690.00} The creditor is XXXX XXXX XXXX XXXX Service DAte : 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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I have been overcharged for escrow for several years. As a surving spouse of a XXXX XXXX I receive exemption from property taxes. Due to the incorrect tax amount approx. XXXX a month I was assessed on my monthly mortgage I became delinquent. I worked with my local tax assessors office to get there records to reflect my VA exemption then I provided the new bill to XXXX. Yet I continue to be charged monthly for a tax allocation. For over a year I sent paperwork requesting assistance. I asked to have some type of plan to pay back the correct amount due over time or put toward the end of the loan. I wa denied the only option I was given was to surrender my house. 
Currently I am in foreclosure. I have lived in my home for 26 years and want to remain here. The original mortgage servicer was XXXX this company had me send thousands of documents over 18 months worth. After continuous prolonging XXXX was replaced by Shellpoint they determined I did not qualify for any modification or payback program because my payment would have to be reduced once the program was over. I explained again to the new company Shellpoint that my monthly payment did not reflect the correct tax assessment and that alone would reduce my monthly payment. I have the income to pay but they want the entire balance even though the amount is incorrect. Shellpoint and XXXX have been negligent in servicing my loan. I want my mortgage taken out of Foreclosure and my tax removed from monthly bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: CA

Complaint narrative:
The information listed doesnt belong 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 2020-12-29 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDIT ACCEPTANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 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: CORELOGIC INC
State: NY

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am currently applying for a mortgage loan and the lender can not obtain my credit score through Equifax. I have contacted Equifax numerous times and they tell me that all information is correct in my credit file, but the lender is still receiving a no record found message when they are attempting to obtain my credit score. There are no issues with the other two credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: NJ

Complaint narrative:
I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: NJ

Complaint narrative:
I CONTACTED THIS COMPANY 2 TIMES ALREADY IN THE PAST 75 DAYS AND THEY HAVE NOT GOTTEN BACK TO ME WITH ANY RESULTS OR INVESTIGATION. I CHECK MY CREDIT REPORT AND THERE ARE STILL ERRORS ACROSS MY ENTIRE REPORT. I TOLD THEM TO VERIFY ACCOUNTS AND THAT HAS NOT BEEN DONE AND ITS BEEN 75 DAYS THIS IS RIDICULOUS. I WILL ATTACH THE LAST LETTER I SENT THEM AND YOU CAN SEE THEY ARE STILL REPORTING THIS ON MY REPORT WITHOUT PROVIDING ANY RESPONSE. PLEASE HAVE THESE REMOVED FROM MY CREDIT REPORT THIS IS GETTING RIDICULOUS.

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 2020-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS Specialized Loan Servicing The process seems unfair. It appears to lean favourablly to the company whom one is complaining. As in this Complaint NBR XXXX. When going online to add to my complaint the account is CLOSED? This has been CLOSED without any request for reply from complainant which equates with the BIG FINANCE replied and we believe the BIG MONEY. There was NO email, phone call or snail mail from SLS to me as a reply, which one would believe is forthcoming, to my complaint. 

PLEASE know when calling again, voice message states we can make new complaint. 
This appears to be NOT TRUE as XXXX today informed me NO NEW COMPLAINT CAN be made against the SAME COMPANY? My contention is this is a NEW ISSUE with the SAME COMPANY arising out of the COMPANY 'S REPLY. Their reply is bogus, inaccurate and appears to be a gerbiling tactic. 

SLS is NOW ASKING for a POA ( Power of Attorney ) from the Buyer on the Short Sale. 
This has NEVER been requested prior in SLS list of required documents. There is NEVER a reply from SLS. NO SUPERVISOR/MANAGE has given the courtesy of a call back, yet each and every time I've requested this I've been told " 24 to 48 hours I would get a call back from a manager/supervisor '' This has NEVER happened. WHY? 

Requesting a Power of Attorney from the Buyer seems a stalling tactic. The Buyer has signed the Offer to Purchase, the Addendum as REQUESTED BY SLS, provided the HUD as requested by SLS along with the PROOF OF FUNDS PLEASE Explain why SLS is NOW requiring a POA from the Buyer along why they are performing more BPOS?

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 2020-12-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
A few weeks ago, I called Equifax because I was getting the attached error message when logging into my account to obtain and dispute my credit report and the representative I talked to could not help me. He said Equifax has duplicate accounts for me and this is causing me to not be able to access my account. Equifax needs to fix this on their end. Me calling in is not going to help. I have called several times and nothing has been resolving towards me accessing my credit report. 

When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received two emails stating that my payment schedule had changed for my income-based repayment plan, which I was under the impression would not expire until XXXX of XXXX. I logged into my inbox and found two documents explaining how my payment schedule would change and how much my monthly payment would increase although neither explained why this was happening. 

On XX/XX/XXXX I called Navient to verify why this was happening. The representative told me my XXXX plan expired on XX/XX/XXXX although unable to state why it had expired. The rep asked me 4-5 questions for a pre-approval in order to renew the plan and emailed me the link for the remaining information. Our call was disconnected early. I called back and the 2nd rep told me my current XXXX plan was active until XX/XX/XXXX and not too worry about the increased payment. 

On XX/XX/XXXX I called Navient again to verify if my XXXX plan was current or expired. The rep informed me that the extra payments I made during the past 6 months had pushed the payment schedule ahead and the system automatically expired the plan. She said she could rectify this issue and to check back in 24-48 hours to verify the changes. I was under the impression my monthly payment and schedule would reflect the same amount for my XXXX XXXX plan. 

On XX/XX/XXXX I called Navient to ask why the above changes were not reflected in my online account. The rep did not appear to have information to the above call. After approximately 40min on the phone he told me he could have the situation rectified and to check back in 24-48 hours to verify the changes. I asked to cancel the recertification of my plan since I wanted to remain in my current plan. He mentioned since we were so close to my XXXX due date ( the 5th of each month ) it was likely that the changes were unable to be made by this XXXX and I would be paying the increased amount. He assured me this payment would continue to be counted within my XXXX XXXX plan. 

As of XX/XX/XXXX I do not have a resolution to this issue. Navient does not appear to be training or supporting their customer support team in order to identify and rectify these issues. Navient 's online system appears to be set up to discriminate against extra payments made or other actions taken to pay back loans more efficiently. I have been paying my school loans through Navient for 8.5 years now and have had many conflicts. It appears as a whole they are largely unregulated and not held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I called XXXX about the two paid collection accounts I have on my credit report. They told me they didn't have those two accounts in their data base and it shouldn'r be reporting. All three credit bureaus are reporting the {$230.00} paid account as collection/charge off. Equifax and XXXX  are reporting the {$83.00} paid account as collection/charge off. I have sent all three credit bureaus a method of verification letter on XX/XX/2020 and they have failed to respond back.

Company response to consumer: Closed with explanation