vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was XXXX with XXXX on XX/XX/XXXX. I was in quarantine and I lose my job for three months. After I start working part time job. I can't pay my mortgage for : XXXX, XXXX, XXXX, XXXX and XXXX of 2020 I was enrolled in Covid -19 Payment Relief Program. 

On XX/XX/XXXX of 2020 Select Portfolio Servicing Inc. offer me a Trial modification Plan. was all payments successfully made. 
On XX/XX/XXXX they asking me for Flood coverage insurance Policy I summeted to them same thay. I called them next day to make sure if they received and they said yes we got it. Just wait we will call you if we need any additional information. 
I called back on XX/XX/XXXX and they said .... You need to summite to us a proof of your Flood Insurance Coverage. I faxed to them same day. I call back in couple days to make sure how is going my modification. They said everything is ok, we will call you. 

I call back on XX/XX/2020 they told me This case is CLOSED because you never submitted a proof of Flood Insurance Policy AFTER that they said the Insurance Coverage is not enough. My insurance agent called them and they see the coverage is enough is greater than loan amount. The mortgage Company told me they will review. 
On XX/XX/2020 I called them and they said this case is close. This company give me a hard time and I don't know what to do now. They denied my modification before I start. They have a plan to follow up and do your dirty business. Every time I call they have different stories. They are not transparent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
New Discovery I noticed on the XXXX  report and other credit bureau reports the American Express credit card account number XXXX is not my account that has a balance update of {$24000.00} on XX/XX/2020 please review Exhibits D

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: JPMORGAN CHASE & CO.
State: CO

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/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: NC

Complaint narrative:
Original dispute was submitted to the CFPB on XX/XX/2020 case # XXXX Experian gave me a bogus response saying I did not submit this on myself, that is a total stall tactic I now demand it gets handled this time my name is wrong and the previous addresses do not belong to me see letter attached to explain

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 2020-12-08 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I had an account with Ally Financial. I was a victim of XXXX discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MO

Complaint narrative:
I received notifications on XX/XX/2020 of a negative change to my credit history by several credit monitoring services by a unfamiliar entity ( Jefferson Capital Systems LLC. ) placed a unpaid or overdue debt collection entry with XXXX, XXXX, and XXXX. It claims the date of the debt is XX/XX/2020 as listed on all three bureaus. I did not and have not engaged in any such contract or credit with Jefferson Capital and did not enter into and such collection status for any such account at the XX/XX/2020 Date. They have not sent any due diligence or correspondence regarding this alleged debt. The account date listed is erroneous and a violation of FDCPA. I believe this to be junk debt collector attempting to extort money with negative reporting for another party 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
In XX/XX/2018 I moved into a new residence and XXXX XXXX XXXX assigned a land line phone number to my house phone. The home phone number was recycled by XXXX XXXX XXXX. As a result for two years, I have been getting daily phone calls from Receivable Performances Management ( calling from XXXX ) a debt collection company stating that they are recording the calls and want to speak to XXXX XXXX. I neither know nor have ever known any person with the name of XXXX XXXX. On many occasions, I have told this to the debt collection company, requested that they do not call my land line and let them know that XXXX XXXX XXXX gave me a recycled phone number in 2018. The behavior of Receivable Performances Management, XXXX. exceeds the ordinary negligence standards and borders on gross negligence or criminal behavior. This is evidenced in their use of federal phone communication lines to intentionally ignore the information I give them, to deny my requests to cease calls and to continue to harass me and stalk me by making Pdaily phone calls demanding that they speak to 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 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a Checking account with Bank of America, there was a fraud with the account with cash app, I reported to them and my account is closed since XXXX. I kept calling BOA to see when the check was going to be mailed out, they stated I had to wait until the claim is over, which they said it should be over at the end of XXXX, I called them again they push it back to XX/XX/XXXX, I called them on that same day, the representative told me that my check should be mail out that same day, she then told me to call back the next day. I called back the next day which is today, now they are saying I have to wait until XX/XX/XXXX & possibly XX/XX/XXXX. Thats crazy, I need my money please help me, Im broke and they playing with my money, they are going to keep pushing the date back, feel like this is all a scam, I believe its probably nothing left to do but to sue them or something, please help me p.s All the representatives i spoke to is stupid & need to get fired ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX. I purchased the house in 2008. They included PMI insurance on the loan. For the last 4 or 5 years i have been calling them to see how they can remove it. I had them send out an appraiser around 3 years ago and they claimed that i still needed the PMI. I called on XXXX of this year they told me that they would send someone out but i would need to pay the appraisal fee. They came out and valued the house at {$240000.00}. I owe Mr. Cooper {$160000.00}. I called last month to get status and they advised that i did not need PMI any longer. I asked them if i was going to be reimbursed for all the unearned premium and they told me that they dont this. I need help i feel that for a long time they made me pay for something i did not need. I started paying {$200.00} and they refuced it to like {$130.00}. 

My loan number with Mr Cooper is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: NY

Complaint narrative:
I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to Transunion, XXXX and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

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 2020-12-08 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: NY

Complaint narrative:
I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX XXXX and Equifax and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to XXXX, Experian and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

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 2020-12-08 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: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC 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 2020-12-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of 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 2020-12-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had an account with XXXX XXXX. I was a victim of racial discrimintation from this compnay. I lost my car. The company is reporting false information that I made payments in 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make payments on these months. I asked for documentation as it pertains to these payments and never received any response. Also, they took more seven years to charge off my account after being more than 180 days delinquent in 2014. I would like for this to be noted that these people are harassing me. Also, that the account is being handled by an outside agency where they are still attempting to get money out of 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 2020-12-08 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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I certified mailed letters to Nissan Motor Acceptance Corp. on XXXX XXXX, 2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. Nissan Motor Acceptance Corp. failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was a with COMENITY BANK/XXXX  customer since 2014 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I applied for mortgage forbearance back in the first part of XXXX. It's now XXXX. Almost 2 months later. They keep telling me it's got to go to the board. I feel that they are dragging their feet. The mortgage forbearance runs out the end of XXXX. I was 6 weeks late with my my payment for XXXX when I applied. Have not heard anything yet. Have called and gone in. They keep telling my the same thing. Has to go to the board. I'm high risk so I'm unable to work right now. I'm a neck breather. I was cleaning houses for a living. I don't want to lose my house. What can I do? Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: CO

Complaint narrative:
XXXX XXXX XXXX should not be reporting to Transunion a collection in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance and not as a collection. I have attached a copy of the letter dated XX/XX/2020 wherein the letter confirms this account has been paid-in-full. This false reporting of a collection is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This line item needs to be removed and/or updated to report correct information. I have contacted the bureau to fix this however, I have not been successful.

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 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to XXXX  and Transunion to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT. 

I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it. 

I have attached a copy of how this account is reporting to my Transunion and XXXX  report, and if Transunion and XXXX  were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to. 

Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on Transunion, but as " Late 120 Days '' on XXXX. Additionally, XXXX  is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them. 

I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 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