vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 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: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
On XX/XX/2021, SUNRISE CREDIT SERVICE added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This is my second time submitting a complaint! After the first complaint, Sunrise Credit Service removed the collection derogatory mark from my credit report and waited four weeks, and then readded the same derogatory mark to my credit report and then reported the same mark twice to XXXX. 

According to the FCRA, Sunrise Credit Service has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for XXXXm not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: WA

Complaint narrative:
I have called several times, my family friend who is a realtor, and retired loan XXXX has called and email. 
When you call them to start the process to remove the XXXXXXXX of the mortgage, they refuse to help and to you to send a email and refuse to help. 

They tell you the process could take up to 30 days. 
We started this process in middle of XX/XX/XXXX, and sent a email on XXXX XX/XX/XXXX and XX/XX/XXXX, they responded on XX/XX/XXXX taking about the 30 days again, we responded on XX/XX/XXXX and still no answer. 

This process is going on 2 months, with NO PHONE CALL, NO BPO, TO REMOVE MY XXXX  ON MY HOME. 

My mortgage balance is less than $ XXXX, and the homes in my area are valued around XXXX. 

see attached email thread and cma sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: CA

Complaint narrative:
Experian is reporting a date opened of XX/XX/2020 for XXXX XXXX and a status update date of XX/XX/2020. If the account was opened XX/XX/2020 and the last status update XX/XX/2020 how can Experian report this account as past due if there is only XXXX month of reporting? Experian is reporting inaccurate information.

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 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: AP

Complaint narrative:
I have had a mortgage with Guaranteed Rate for approximately 2 years when I decided to transition from automatic monthly payments to paying twice weekly ( thereby reducing the lifetime of the loan ). Guaranteed Rate calls that program their Flex Draft Program, so I spoke with their customer service to get the necessary paperwork. Of course, they make the process a bit difficult because they don't want people to pay off their loans quicker, but that's no big deal. I had to sign some documents hard-copy and ship them back to Guaranteed Rate 's offices. ( For what it's worth, I'm US military stationed in XXXX, XXXX, so mail can take a little while ). 

The agreement clearly stated that my Flex Draft Program would take affect in the month after they received my signed documents. Based on the chat transcript I have attached, Gauranteed Rate recognizes that my documents arrived on XXXX XXXX. Therefore, my Flex Draft Program should have started in XXXX ( as indicated in the attached Confirmation letter ). Enrollment in the Flex Draft Program additionally requires that the Automatic Payments system be turned off, which I did. I then dutifully waited for the Flex Draft Payments to kick in throughout XXXX. They did not, but I didn't want to make a manual payment and risk messing up their system. 

Instead, early XXXX rolls around and I am immediately hit with a late payment notice. I've never made a late payment on anything, ever, in my life, and I had more than enough money to make the payment ( I can provide bank statements to prove that, but it seemed weird to attach those to an automated, unencrypted system ). Guaranteed Rate is the one whose system failed to activate and make the appropriate payments. But my credit has now taken a significant hit ( see attached credit report ), which I feel is entirely unjust. 

I have contacted Guaranteed Rate, and their position is that their hands are tied. The payment was late ( even though it was their fault ) and they are bound by law to report that to the credit agencies. It's obviously very frustrating to me that I have this delinquent payment on my record when I did everything I should have in order to make the payment. I have since sent about 3-4 continued messages to Guaranteed Rate but have not received any correspondence or replies from them since XXXX ( see attached screenshots of inbox and outbox on their servicing portal ). They've essentially stopped answering my inquiries ( calling during business hours is tough for me due to my location and time zone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: TX

Complaint narrative:
This is in response to a complaint I submitted to the CFPB XX/XX/XXXX. number XXXX. I pointed out that the consumer reporting agency was in violation of the FCRA regulation that required them to respond to a dispute within 30 days. Experian, however was unresponsive to my demand by adding another 30 days to the already 90 days it has taken for this investigation I requested that they remove the disputed item since they failed to respond within the appropriate timeframe. 
I specifically stated in the complaint that as of XX/XX/XXXX, I have not yet received a response regarding the investigation results regarding the following account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
The late payments were part of a Covid deferred program and should not be counted late or missed

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 2022-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
The company BB & T has an HSA account that I have tried to close out and they informed me I would have to report to a branch in person because my account was inactive. I explained they dont have a local branch. They would not update any of my information, not address or name change from marriage. I am hoping there is legal protection for me to not have to drive an hour or further away to go to this bank when I have never had an in person visit with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent outsourcing is misrepresenting debt and wrongly reporting to all credit reporting agencies. They are claiming a debt that I disputed with the original creditor in XXXX is new in XXXX of XXXX. I've never had one piece of communication with this company, convergent outsourcing, and never been given any proof I have any business with them. They have provided me with nothing and lied saying this debt is from XXXX of XXXX. This is all lies and they are misrepresenting debt to gain financially from others. This is the very definition of a crime.

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: VA

Complaint narrative:
First Progress Cards are PREDATORY LENDERS. This card was advertised to me through XXXX XXXX. I applied for this secured credit card on XX/XX/XXXX. I made a {$500.00} payment to them in exchange for {$500.00} worth of credit. The initial email said that if approved I would receive my card within 7-10 business days. On XX/XX/XXXX I received an email stating that they needed more documentation in order to approve my application, which is CRAZY. I have numerous credit cards, a few of which have limits in excess of {$25000.00}. None of those cards required me to submit ANYTHING to be approved and they are not secured cards. It is very suspicious that they would require additional documentation in order to loan me MY OWN MONEY. Well, it turns out that the the email they sent requesting more documentation does not have a link to upload the documents. There is literally no button to click on. There is no way to speak to a person. The only way to communicate with them is by writing a letter and mailing it to some random po box . I have the " thank you for your payment '' email from this company. There is no way that they should be allowed to do this to people who are already in financial turmoil.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
The late payments were part of a XXXX deferred program and should not be counted late or missed

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 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
The late payments were part of a Covid deferred program and should not be counted late or missed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: VA

Complaint narrative:
I had my wallet taken from my gym locker with all of my identification information. I recently reviewed my credit report and noticed that there are a bunch of fraud request from companies that I did not complete an application for. Please delete this fraud information from my credit report.

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 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: PA

Complaint narrative:
I have made three monthly payments online. 
XXXX. XX/XX/XXXX amount XXXX XXXX. XX/XX/XXXX amount {$1900.00} XXXX. XX/XX/XXXX amount {$1900.00} The lender has " Returned Payment Reversal '' on the payments on XX/XX/XXXX and XX/XX/XXXX. The lender has failed to state a reason for the " Returned Payment Reversal '' The funds in my account exceed {$10000.00}, so the reason for " Returned Payment Reversal '' is unknown. 

On XX/XX/XXXX I suspected a problem with this lender and have attempted to contact by phone and was placed on a two-hour hold. And then the customer service department disconnected the call. 

ServiceMac reports " Returned Payment Reversal '', I pay these statements electronically. No funds have been returned to any accounts. Next, ServiceMac is adding a late check fee of {$150.00} and another fee of {$59.00}. ( FYI - I do not pay this account by check ). ServiceMac has failed to complete or explain any reason for my timely payments. 

My credit score is outstanding and I have never missed a payment on any of my accounts. I am very concerned about the business practices of ServiceMac , LLC. 

Can your organization help me resolve this issue with ServiceMac , LLC?

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 2022-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I have student loans with XXXX But recently XXXX  sent my student loans to another server. XXXX has charge a lot of loans on me. I have over thousands of dollars in student loans and Im a low income student. I know XXXX is canceling student loans. Am I getting it canceled as well? Just a month ago they sent my student loans pro folio to another server. I couldnt understand why until now. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: MI

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. 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 hand 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 2022-01-16 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: MI

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within in 30 days gives reason to immediately remove those items from my credit report. Currently it has been over 30 days so they should be deleted promptly. 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 Equifax data breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Between the dates of XXXX XXXX and XX/XX/XXXX I documented 23 different phone calls made to Midland credit management Co. I want to settle a debt for approx. 800.00. I want a letter of satisfaction emailed to me and a line of satisfaction given to the court where there is a judgement against me. I have heard everything from we can't talk to you because you are from WV, which I'm not, to you have restrictions on your account and we can't help you. No one from the legal dept, customer support, resolution dept, countless managers could let me pay my debt. The computer system was also blamed. I was transferred 4 times where I was disconnected. I was told to call back in 1 day, 3 days, and most recently a week. I have attempted to pay my debt via online 4 times the week on XXXX XXXX with no success. XXXX XXXX I had an online chat with XXXX who told me she couldn't help me and gave me a number to call, which I have done more than once. What is going on? It has now been two weeks that I have tried to pay this very old debt. I want someone to accept my payment, give me a letter of satisfaction and remove the judgement Midland Funding LLC placed against me in court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: ME

Complaint narrative:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: ME

Complaint narrative:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: ME

Complaint narrative:
This account was never late - It was a deferred payment and was approved for deferremnt by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANK have violated my consumer rights as a natural person Pursuant, but not limited to, the Fair Credit Reporting Act at [ 15 USC 1681 et seq. ] and the Fair Debt Collection Practices Act at [ 15 USC 1692 et seq. ], and the applicable portions of Truth in Lending ( Regulation -- - Z ), at 12 CFR part 226 et seq., Failure to provide consumer with the original instrument of indebtedness in its original form under penalty of perjury as required under Federal and State law is a violation. If COMENITY BANK continue to report unverifiable or inaccurate accounts on my Consumer file COMENITY BANK will be liable to unfair debt collection practices, False, decedptive and misleading representation pursuant to 15 USC 1692e. COMENITY BANK if fail to provide docuemnts requested by consumer will be held liable to criminal liability for willful and knowing reporting FRAUDULENT ACCOUNTS on a consumer file pursuant to 15 USC 1611 and civil liability for ANY injuries or damages as a result on COMENITY noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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 am in dispute with Experian, XXXX and XXXX over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to Experian and 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 2022-01-16 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 am in dispute with XXXX, XXXX and Equifax over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to XXXX and XXXX.

Company response to consumer: Closed with explanation