vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: GA

Complaint narrative:
several fraudulent accounts appear on my crepdit report from identity theft

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 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intelty, Inc
State: AZ

Complaint narrative:
I contacted XXXX XXXX from Intelty , Inc in XX/XX/2020 as I was trying to get prequalified to buy a new home. A prequalified letter was provided to me in XXXX and I opened escrow on a home in XXXX. I advised XXXX to submit my loan application immediately to avoid any delay. Throughout this process, he was not very responsive on most messages left for him. I contacted his company and even their receptionist would screen my call and not let me talk to anyone in the office to answer questions on my loan status. XXXX kept saying I would get an answer today on multiple occasions, but it turned out to be a complete lie. You can not leave a message for him or with another employee in his company. We are in the month of XXXX, and still no answer as been provided. I contacted the underwriter and wouldn't provide me with any information as it had to be filtered through this mortgage broker. I lost money in doing an appraisal and I was not able to close on my new home due to his no response. No adverse action letter was provided explaining the final decision on my loan application. This was a very embarrassing experience not only with my realtor, but with the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a with CAPITAL ONE BANK USA customer since XXXX 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 payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been 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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have discovered some inaccurate information on my credit report. Therefore, On XX/XX/2020 I requested an explanation or an investigation from the credit bureau for inaccurate information listed on the letter. After months waiting, I have not been provided with any information about from the credit bureaus. And I would like an update on my credit within 30 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-12-14 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: MA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2020-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been contacting the credit bureaus for months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATIONS ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

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 2020-12-14 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: Accounts Receivable Inc.
State: FL

Complaint narrative:
In response to me previous complaint regarding disputed false accounts # XXXX and # XXXX, Accounts Receivable falsely claim that " consumer has never directly contacted our office, only through CFPB, XXXX and through credit reporting agencies ''. This allegation is false as I have contacted Accounts Receivable directly but they have not responded. Also, Accounts Receivable claims that they " verify identification as accurate '' which claim is also false as they are showing an incorrect ( among several other inaccuracies ) unit number XXXX as part of my address instead of the correct one XXXX. 
Also, they are not showing any proof of debt with my signature - only meaningless computer generated fake or somebody else 's statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX my mother the previous trustee on the account passed away on XX/XX/XXXX. 

On XX/XX/XXXX I notified Select Portfolio Servicing ( SPS ) via mail, email, and fax of my mothers death and informed them that I am know the trustee on the account. 
From XX/XX/XXXX to present date XX/XX/XXXX I have called countless of times trying to get a hold of a single point of contact that could help me sort this out but no one could help me. During this period I have notified SPS that XXXX XXXX XXXX XXXX an unauthorized person has somehow started an online account with SPS and on XXXX she has authorized herself on the account from the online portal. During this time I have asked SPS countless of times to suspend online activity on the account and have been told they are unable to help me until I am authorized. I have explained that I am the trustee on the account and have not authorized this person to enter into a repayment plan yet SPS has allowed a repayment plan on the account without my knowledge. I spoke with a supervisor at extension XXXX she stated that the trust is invalid because it list the property zip code as XXXX and there records is XXXX. I immediately contacted the estate attorney XXXX XXXX who confirmed that some records show XXXX and other show XXXX but the APN # XXXX matches all country, mortgage, and Trust records. I received a phone call from XXXX on XXXX but was unable to answer her call. I called back today Monday XX/XX/XXXX spoke to a representative who read notes saying that SPS needs additional information. I immediately requested a supervisor and spoke with XXXX who advised me that SPSs audit department needs tax documents or a XXXX postal service document validating the address. I explained to the manager that if the mortgage company states that the zip code is XXXX thats fine but that the APN # is the true identification of the property and that remains the same. The manger confirmed that an audit rep would call me to discuss further and advised her that I would be submitting a CFPB complaint. Was told that there was no complaint department. 

I am hoping this reaches SPSs and the resolution I am seeking is for the company to validate me as the trustee and an authorized party just like the second mortgage company XXXX XXXX  has so I can move forward with administering the account. I would also like to stop all online activity until I am authorized on the account. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have been a victim of predatory lending practices. As a poor XXXX woman that believed she needed to get a college degree I left myself vulnerable to a situation that has now made it impossible for me to have a decent quality of life. I was not informed that my loans were being purchased by Navient and have been forced into forbearance time and time again with astronomical compounded interest rates for years when asking for income driven payments. I was also told that I have to pay fees despite the administrative forbearance period ( XX/XX/2020, through XX/XX/2020 ). Again, they say that my loans and have been shifted and sold and I am clueless about when and how this happened. I was never informed about PSLF and always always steered to forbearance. I am struggling and can never get a home loan under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: Source Receivables Management LLC
State: NJ

Complaint narrative:
On XX/XX/2020 SOURCE RECVB add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account Was transferred/sold And I am no longer Responsible for the account. Debtors creditors did not verify this Collection. Also, 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 its mines. According to the FCRA, SOURCE RECVB has violated my rights as a consumer And Im requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
I was furloughed from my employer XXXX XXXX in XX/XX/2020, and had called One Main for assistance due to Covid 19 forcing our agency to cut staff and my position no longer available. Initially, they were able to assist by lowering my payment from {$390.00} to {$100.00} for a period of 2 months. In XX/XX/2020, my furlough was extended a 2nd time to an additional 3 months, and I was told by One Main that they were unable to extend the {$100.00} per month agreement but double it to a monthly payment of {$190.00}. I was unable to pay this as my unemployment had run out, and I was barely able to make ends meet. So 2 months went by, and I received a call from the One Main collections department, who offered to re-negotiate my loan to {$190.00} per month for the next 5 years if I agreed to pay 2 months in advance. I was able to secure a loan from a family friend, and paid them as agreed providing they update my credit report to no longer show me as delinquent, and also to honor the agreement they had made. 

I have not yet have had my credit report corrected, and am showing past due amount of over {$700.00}, which is not what I agreed to. In addition, every time I call One Main to ensure the loan modification has been processed and my credit report updated, I am told that they forgot to finalize, and they make me feel like I am being swindled.

I don't have anywhere else to turn but you, to plead my case and ask that you reach out to One Main to have them honor what they agreed to, and also to protect me from bad business practice, which I feel that is happening. I feel completely victimized and at the mercy of a predatory lending agency, that has no interest in helping me. I am a veteran of the armed forces and served my country proudly in the XXXX XXXX. 

Please help! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 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: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands

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 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/XXXX ... our Wells Fargo Checking account was hacked ... and $ XXXX dollars were wired out of the account. Wells Fargo was notified within 20 minutes of this happening ... while they said they would do everything to recall the wire ... they did not. 

When I complained and asked why they did not ask us to confirm the wire ... they said that they texted my wife ... which they did not. 

I escalated all the way to what I was told was the " highest level of customer complaints '' the rep was XXXX XXXX ... to which she replied that they would do nothing ... and could not provide any record or confirmation of the text being sent or us approving the transaction. I was just supposed to take it on their word ... which is amazing to me. 

I asked her if she had the authority to change that decision to which she replied that she did not ... so I suggested she was NOT the highest level of consideration ... since she was not able to change it. We are out {$4700.00} ... and Wells did nothing to help and nothing in taking any responsibility for protecting the integrity of their customer 's money.

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 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Andrews & Cox, P.C.
State: NC

Complaint narrative:
The company XXXX XXXX XXXX XXXX has harassed me daily by calling my personal cell phone number from XX/XX/XXXX until this present day XX/XX/XXXX. Repeatedly! ( Bleecker Brodey & Andrews ( XXXX XXXX XXXX ). Also, during this time of national unrest and a national pandemic, XXXX XXXX XXXX XXXX sent a Sheriff Deputy to my house that XXXX XXXX XXXX XXXX XXXX and they could have possibly XXXX me to the XXXX. I have saved the text message in my phone, where I was sent an alert stating that the XXXX XXXX XXXX  and had been in close contact with someone who had XXXX XXXX. The deputy was not wearing a mask when he came to the door.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation