vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
XX/XX/XXXX - Regular mortgage payment was made. I didn't realize the payment had changed due to escrows withheld increasing and the payment is auto paid each month. XX/XX/XXXX XXXXpecialized Loan Servicing ( SLS ) phoned me to let me know my payment was sitting in suspense until the balance was paid. Payment was made over the phone and processed. 30 day late occurred which was never mentioned. 
XX/XX/XXXX - House was sold thru the normal process. Payoff was sent via XXXX  and received on XXXX for the full payoff amount provided by SLS. I'm in the process of refinancing my current primary and the mortgage wasn't showing paid off as of the end of XXXX. I phones SLS and they told me turn times are delayed and they recorded the payoff as of XX/XX/XXXX when they had a live check on XXXX in their possession. I did receive my escrow refund and mortgage note as being paid in full from the company. 

At that time the mortgage late for XX/XX/XXXX was supposed to be updated and removed from my report. I received a call from my mortgage representative I'm refinancing thru and they let me know my credit report still showed a discrepancy for XXXX and now one also showed for XXXX. The house was already paid off. Now I am receiving credit updated monthly from Experian. To make matters worse they now show my credit file in XXXX as paid off for less than the balance owed so another negative hit which all in all cost me about 75-100 points on my credit report and makes me ineligible to refinance costing me additional funds each month on my current mortgage. I have had credit for 25 years and never have I have any late payments. I have made several ( 20+ ) attempts to get this corrected and to no avail. I make calls, service ticket have been opened for months with no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: MI

Complaint narrative:
On XX/XX/2021 placed a call to Transunion to have 4 hard inquiries removed from my credit report due to fraud. Tried to place a freeze on my report a day before which was also a reason for the physical call. Customer service agent XXXX XXXX XXXX would not help and take care of the negative inquiries reporting to your credit report. I am requesting that the inquiries below be removed.

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 2021-02-02 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: OR

Complaint narrative:
I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX to see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows XXXX  reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XXXX of 2019 and also shows an incorrect amount owed. Transunion does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither Transunion nor XXXX  even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX  has on their report. XXXX XXXX only provides me with info from Transunion and XXXX. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with XXXX  even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor CoXXXX points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you

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 2021-02-02 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I previously filed a complaint with the CFPB # XXXX. Seems to be a lot of finger pointing going on. First I called and talked to a rep. from my mortgage co. XXXX XXXX XXXX XXXX see if they were in fact reporting my mortgage debt to the credit bureaus. They assured they were reporting monthly to all three. My credit monitoring company, XXXX XXXX, shows Equifax reporting my mortgage debt with XXXX XXXX, but shows no update to the account since XX/XX/2019 and also shows an incorrect amount owed. XXXX  does not show my mortgage debt at all. I suppose it would be easier to correct something on their report if it was actually on their report. Why is it not on their report? The status of that loan is being reported to them monthly. Needless to say I am not satisfied with either their response to my dispute or the complaint filed with CFPB. Neither XXXX  nor Equifax even came close to addressing the problem in their response to my dispute or complaint with the CFPB. They never even mentioned the mortgage debt. I don't even know what XXXX has on their report. XXXX XXXX only provides me with info from XXXX  and Equifax. I have a much lower credit score with Transunion. I assume because they do not show my mortgage. Much higher score with Equifax even though the amount owed is incorrect. This adversely impacts my credit score and I would like to get it corrected. The mortgage co. points the finger at the credit bureaus. Credit monitor Co. points the finger at the credit bureaus. Credit bureaus seem to be ignoring there is a problem at all. Nothing wrong here, must be problem of someone else. Please help to get this resolved. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate information and unknown things on my credit report to this day it has been over 30 days and I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes section 611 ( A ), it is plainly stated that a failure to investigate these issues within 30 days gives a reason to immediately remove those items from my credit report. 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 impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: NJ

Complaint narrative:
On XX/XX/2021 at XXXX I disputed incorrect reporting on my credit report with Experian . At XXXX received email that investigation was completed and updated. I spoke to someone who's name is XXXX that the dispute remains, while speaking with him I ask for the name and number of the person who his company spoke with, I was told we didn't speak to anyone its was done internally. 
I said how could your company investigate something without speaking to the other company to verify the information is correct and was told that's how its done. 
Experian is committing fraud and lying to the public by taking such action. 
I have a letter from one of my creditors that the incorrect information would be removed. 
I would like for CFPB to have Experian have all of my disputes deleted from my credit report. 
This inaccurate information is causing me harm and stress. 
Thank you in advance.

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 2021-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to 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 explanation
Consumer complaint received 2021-02-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an incorrect name and address listed on my credit reports. I have tried to dispute these to have them removed but for whatever reason they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: CA

Complaint narrative:
Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair XXXXXXXX XXXX reporting as well.

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 2021-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
1. over paid on homeowners insurance. 
2. had two policies for the one house they never cancelled the older policy. 
3. they never sent me the documents i requested 4. i tried to refinance with Amerihome their offer was from 3.5 to 3.35 5. i did get offer from XXXX XXXX for 2.25 dropping monthly payment x {$120.00} 6. now amerihome won't take XXXX payment {$930.00} intill i sign their refin papers 7. Now I don't know weather I can refinance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: OH

Complaint narrative:
I HAVE DISPUTED THIS DEBT MULTIPLE TIMES BUT EXPERIAN IT IS STILL SHOWING ON MY CREDIT REPORT STATING THAT I LIVED AT : XXXX XXXX XXXX, XXXX XXXX, CA. 

I HAVE ATTACHED A LETTER ALONG WITH EVIDENCE THAT ADDRESS DOES NOT EXIST.

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 2021-02-02 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: FL

Complaint narrative:
On XX/XX/2021i sent in letters regarding inaccurate reporting false items on my credit report and i have not received a response yet i feel like im being ignored of my disputes. This deceptive practices by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management
State: VA

Complaint narrative:
Received a voicemail from XXXX XXXX XXXX collection agency for XXXX. 
This is the exact message received. They are not a law firm. 
This message is for her ____ this is XXXX XXXX calling from XXXX invite concerning a legal matter that has been forwarded to my office we made several times to contact you but unfortunately have not received a statement from you regarding a matter if you found the contact up __ mediately we will be forced to render a decision and notify our client of your lack of response press one now or contact us back at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: TX

Complaint narrative:
This company contacted me in regards to a balance owed to XXXX XXXX XXXX  I expressed that I never had any business with this company and demanded that I see a contract with my signature on it, they refused and instead sent a bill. This account does not belong to me as I stated several times.

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 2021-02-02 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2020 I wrote an letter to JPMCB ( XXXX XXXX ) and XXXX total amount XXXX to state that the original creditor had died and I sent copy of proof of death certificate. I never received any response back and XXXX  just states that the account has been verified. Thats when I reached out to the creditor and never heard anything back. I never received an answer back and its been over 30 days. 

Same issue with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
When I filed a second dispute of a charge-off that Ally Financial placed on my credit report, the company updated information in my credit file to alter the date that they first reported the charge-off illegally, in order to re-age the entry and sell it to a debt collector. 
I initially disputed the charge-off that Ally first reported in XXXX of XXXX as I was a victim of Hurricane Harvey in XXXX, TX. In XXXX of XXXX when my lease ended, Ally did not remove the fees that were supposed to be dismissed due to my status as a person affected by Hurricane Harvey. Ally began reporting charge-offs to my credit file from XX/XX/XXXX though XXXX of XXXX. When I filed a second dispute with the credit bureaus, in an attempt to raise my credit score, Ally then changed the information showing that the payments were current up until XX/XX/XXXX and reported a new charge-off starting in XX/XX/XXXX. I immediately received a call from a collection company about this disputed amount. It is clear the Ally fraudulently changed the information which was two years old, to falsely sell it to a collection company that it represented to collection company as a new charge-off.

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 2021-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I have disputed this unknown item listed several times. I do not owe this amount nor even know what this is. Please help as I am getting no where with this Harvest Associates {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: HI

Complaint narrative:
I have been trying to do my best and try to work with my lender but all they do is give me the run around. I have provided documents to them on a timely manner and have resent several documents over and over again. They continue to advise that they don't have a clear image when I am looking at the document and it's a clear as can be. They now closed my review as of yesterday because of this and have to start all over again because someone in their department is just by passing my documents and not even reviewing 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 2021-02-02 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: Sarma
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SARMA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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:
Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair fico score reporting as well.

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 2021-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: PA

Complaint narrative:
On XXXX i sent a complaint about this company for attempting to collect a debt that is not owed, this company has contacted me numerous of times after 9pm and have now been calling asking for someone else then hanging up, on XXXX this company was suppose to send a validation of debt out and today XXXX i have yet to receive a validation of debt from this company, please i ask that this debt be removed from my credit reports across the or i will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/XXXXfinanced a car with Kia Motors Finance, in XX/XX/XXXX I was in a car accident ( not at fault ) I was on time with my payments and never tried to neglect my payments. Car was totaled and there was a bit delay with the insurance and Gap to pay what they had to pay. After they paid it, it left me with a balance of {$120.00} which I never received correspondence letters which they claim they did send them. KMF took it upon themselves to put a charge off on my credit report from the date of the accident until XX/XX/XXXX. In XXXX was when I received the first letter from KIA that I owed that much so I payed it right away because I had no intention to neglect my payments. Payments from insurance And gap were never posted as on time but instead as a Charge off on my credit report.. I have already disputed this 2 times with credit bureaus and nothing gets fixed I also put a complaint with XXXX over a month ago and KIA MOTORS FINANCE wont answer to my complaint or message XXXX  back. I also snapped a picture of my account that said I had no payments due on XX/XX/XXXX and {$0.00} principle balance but yet KIA MOTORS FINANCE has it Reporting to credit bureaus as charged off in 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 explanation
Consumer complaint received 2021-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENT RECOVERY SOLUTIONS Last reported XX/XX/2021 {$67.00} Open balance 09 XXXX Original creditor After moving from the XXXX, I was not sent any outstanding bills due. I satisfied all requirement under the contract and paid all expenses due at the expiration of the contract between the XXXX and myself. As matter of fact, the apartments became inhabitable due to the water being off more than 90 % of the time the last month of the contract.

Company response to consumer: Closed with explanation