vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Last year, I began pulling my own credit reports to make sure they were accurate. There were various errors across all 3 reports. Most of the major inaccuracies have been resolved except for these 2 pronounced issues regarding the Date of First Delinquency.

One account, is in collections with XXXX XXXX ( a credit card debt for XXXX XXXX ), and the other XXXX XXXX, has been paid in full after charge off and closed. For both of these accounts, I asked all 3 credit bureaus to provide me with my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date, and the name of the original furnisher who reported the date of first delinquency. 

I did not receive the requested information, instead TransUnion moved the XXXX deletion date from XXXX to XXXX Experian is still reporting XXXX and told me I need additional relevant information to support my claim for both accounts. I was not submitting a dispute, I only wanted the date of first delinquency and who reported it. To be fair, no response has been received from XXXX  as they still have time to respond. However, at at this point, with 2 incorrect and different dates, it tells me the XXXX date/account can not be verified, and the account has been re-aged. It doesn't really matter what XXXX   states if the other 2 conflict. And as for XXXX XXXX, there is no deletion date and no indication of the first date of delinquency, which is odd. Also, I've never been contacted from XXXX about this debt, but as a 2nd step would seek debt validation. 

I only wanted to obtain my consumer disclosure file to review for accuracy. In the past, my identity was stolen and it took several years to get the thief 's profile deleted from my credit reports ( her social, name, address, phone numbers, accounts, etc. ), and I had to hire an attorney to finally clear my name. So, please understand, I take my credit reports seriously and I want all information reported about in it to be accurate. Since I have not been granted access to the Date of First Delinquency to understand when these accounts were allegedly first reported as seriously past due, I am writing the CFPB.

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 2020-05-15 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: MD

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEMS AS WELL PURSUANT TO SECTION 609

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 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank closed by XXXX XXXX 's credit card without any notification. I was in good standing, had an excellent payment history with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: NM

Complaint narrative:
At the end of XXXX I called Global Lending Services requesting a forbearance on my XXXX car payment due to the pandemic. I was told to call back three days before my payment was due. I called back three days before my payment was due and was then told to all back once my payment was past due. I called the day after my payment was due and was told I had to call back when my grace period of 10 days ended. I called on XX/XX//20 ( 10 days grace period included ) and I was told my payment was late and that I could not move my XXXX payment to the back of the loan. I was told the only way they would do it was if I made a payment for XXXX then MAYBE they could move XXXX. This company is refusing to help people despite the current pandemic! Theyre taking advantage of the situation and lying to their customers in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: FL

Complaint narrative:
On XX/XX/XXXX, I have submitted a claim to the Trans Union credit bureau, but did not comply with all the requests. Trans Union arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX Loans company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX XXXXXXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX Loans company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.

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 2020-05-15 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: MD

Complaint narrative:
EQUFIAX FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT SECTION 609 OF THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
On XXXX XXXX, I emailed HomePoint financial with a form to set up biweekly payments ( called FlexPay ). I expected the first payment to start XX/XX/XXXX. I noticed that no payment was made XX/XX/XXXX, so I called them. The agent said that they received the form too late to start payments for the XXXX payment. She said that she would set it up to start XX/XX/XXXX and that as long as I made the XXXX payment by XX/XX/XXXX, it would start. I made the XXXX payment and checked again after XX/XX/XXXX, and they still had not set up the payments. On XX/XX/XXXX I talked to another agent, allegedly a supervisor, about setting up the payments for XXXX. I made the XXXX payment online while talking to her, and she said that she set up the payment to start XX/XX/XXXX, and I thought that everything was good. A few days later, I get a call from HomePoint, allegedly from a supervisor, who said that they could not make the payment on XX/XX/XXXX since the first payment of a biweekly payment had to be made before the XXXX of the month. I told her that I did not want a biweekly payment to come out of my account every other Thursday, the day before I get paid. She did not even know how biweekly payments worked. She was very rude and said things like " the XXXX of the month is not always a Thursday, '' and she could not confirm whether it would happen every two weeks or just twice a month which is defeating the purpose. I told her that I was fed up trying to get this set up, so I told her to cancel it. I also asked her to talk to her supervisor, and she said that she would have another supervisor call me back. An hour later, I spoke to another supervisor, and I explained everything to her. She was also rude and asked what I wanted her to do about it. I told her that I wanted her to know that everyone I had talked to did not seem to know how to properly set up the payments and that they need better training for their people. She asked if I still wanted the payments set up, and I told her point blank that I did not want the payments anymore. I wanted it cancelled. Of course, I check my bank account on XX/XX/XXXX, and HomePoint made AN UNAUTHORIZED CHARGE to my checking account after having told BOTH supervisors to cancel any payment request. I contacted their customer service again on XX/XX/XXXX, and they are allegedly cancelling the payments now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX XXXX XXXX has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license  numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX The short sale package was faxed to PHH on XX/XX/XXXX/20. On XX/XX/XXXX they confirmed receipt of the package and said it was under review. We have called many times since then and have been told there were no updates. It has been over a month since they received the package. PHH is claiming they are having issues due to COVID. However, they have DONE NOTHING AT ALL IN OVER A MONTH. This is NOT acceptable.

I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point This is not a COVID issue we have been having these same issues on every file with PHH since last fall. PHH is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want the short sale reviewed and moved forward in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
XXXX XXXX # XXXX -- - Loan XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RMS has committed Valuation Fraud and also violated their servicing guidelines. They are refusing to do an interior valuation, claiming they are not allowed due to COVID restrictions. This is a XXXX. The appraisal industry in California has not stopped or shut down due to COVID. RMS is simply coming up with excuses to not review this file for a short sale, which is a violation of their servicing guidelines. 

Additionally they are trying to force a dead person to complete repairs on the property, which is an illegal request in a short sale. 

I understand the impact COVID-19 has had, however, the rest of the real estate industry has figured out a way to move forward, as have the rest of the servicers. At this point this is not a COVID issue rather RMS is just grasping at yet another excuse to not work on their files. This is a violation of their servicing guidelines. 

I want RMS to complete an interior valuation and review this file for a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: KS

Complaint narrative:
My husband and I had a XXXX XXXX account from years ago that was overdue. It was sent to a debt collection agency named XXXX and was paid. XXXX XXXX, XXXX sent me a letter letter saying that they had aquired the debt but I sent the documents supporting the payment. They closed the case. Now they have sent another document trying to have my husband to pay this debt that has already been paid and has been proven to be paid. I can not get through to an agent and am sent to a voicemail which I have left in order to resolve this matter.

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 2020-05-15 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: CA

Complaint narrative:
I disputed the account XXXX XXXX  with XXXX XXXX and Transunion and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX has it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX XXXX and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX and Transunion have it marked as late and charged off. 

I disputed the account XXXX XXXX with XXXX and the incorrect information is still there. 
This account was Never Late and is paid off however, XXXX  has it incorrectly marked as late with a balance I disputed the account XXXX XXXX  with XXXX   and Transunion and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX XXXX  and Transunion have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable.

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 2020-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I contacted ARS and spoke with their representative XXXX XXXX on XX/XX/2020. XXXX agreed to accept {$200.00} as a payment in full in exchange to delete all trade lines from my credit report. Payment was made at the time of the call, and the phone call was recorded by ARS and myself. As of today, the account shows the payment, a remaining balance, and has not been deleted.

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 2020-05-15 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: ID Analytics, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX. Went to buy truck. XXXX XXXXXXXX, said approved at XXXX XXXX XXXX XXXX an XXXX XXXX XXXX. Then received letter from XXXX XXXX saying I was denied. Said they used SageStream, where my credit went from XXXX at XXXX, to XXXX at SageStream. I am complaining about Sagestreams Reasons of key factors that adversely affected your credit score. They said I had limited history at address and phone, length of residence too short, and limited history at phone and too few active accounts. This is All false. I have 10 active personal account. I have lived at same residence with same since XXXX and same phone number over 20 years. Never been late on any payments in last 30 year. Who is SageStream? Are they legitimate? On their web site they want my drivers license, social security card and recent bill to even look at complaint. Tried to call wont call back. Also on paper from XXXX has wrong street address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited via mobile App image my paycheck in the amount of {$1500.00}. This paycheck is from an employer that I have been working for since XX/XX/XXXX. The bank has infomed me they have placed a hold on the depsited item for 10 days so that they may be able to verify the integrity of the deposit. 

I spoke with the bank, and subsequently escalated my concern to a suprevisor, where I was told there was nothing they could do to hasten the verification of the deposit.

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 2020-05-15 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: Lien Enforcement Inc
State: CA

Complaint narrative:
This company is attempting to collect a debt on a car tow that I did not incur, nor did I own the car, nor is it registered to me. The former owner Illegally transferred the car to a name that isnt mine, but the sale was never complete because he never provided smog certification. They are not even using my legal name and they have written threatening to damage my credit. They are overcharging by {$1200.00} pursuant to CA law. The tow company never got in touch with me and are attempting to charge for 45 days of storage. In CA, only 15 days can be charged without communication. The debt collection manager, XXXX, accused me of being irresponsible and attacked my personal character. They refuse to provide documents to back up their claims, though did provide some incomplete documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express is failing to credit my account for electronic payments made with my XXXX XXXX checking account. They are also charging my interest and finance fees before the regularly scheduled date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
On XX/XX/XXXX of 2020, I looked at my XXXX  credit report, and noticed a collection account from Bonneville Collections in Utah. I wrote them a letter requesting validation of this debt on the same day, requesting information that would prove that I owed this debt. I sent the letter by certified mail, and received a delivery receipt showing that it was signed for on XX/XX/2020. 

Under the terms of the Fair Debt Collection Practices Act, 1 USC 1692g Section 809 ( b ), I have the right to receive proof that I owe this debt, or, upon failing to receive such proof, to have it removed from my consumer credit reports. 

What happened, however, is that Bonneville responded by indicating on my XXXX  credit report that I was disputing the collection. I clearly stated in my request for validation that I was not disputing this account, but rather requesting validation under the above mentioned section of the FDCPA. 

The entry is still being reported, even though 30 days passed without response from Bonneville.

Company response to consumer: Closed with explanation