vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-04 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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
PLASE HELP ME Complaint Against Specialized Loan Services LLC Account No : XXXX XXXX XXXX Foreclosed PropertyAddress : XXXX XXXX XXXX. XXXX, GA XXXX Property Foreclosed : in XXXX I, XXXX XXXX, bring this issue to you once again as Ive been trying to deal with issue for years and no one at Specialized Loan Service, ( SLS ) will address the credit reporting errors. I have contacted SLS over twenty times with no one to help me. 

In XXXX, I submitted paperwork for a home loan and was denied due to SLS reporting a XXXX foreclosure that was reporting still active and reporting late when the property in question was CLOSED. The reporting caused me a great deal of distress as I contacted SLS pleading that they make the correction, and remove it from credit reporting. It was requested by SLS that I send my request in writing, which I did send via Certified Return Receipt. I received the receipt of acceptance from SLS, however, they continue to report the account to the credit reporting bureaus. Due to the incorrect reporting, I lost out on purchasing a home as no lender would work with me. 

In XXXX, I am in the process of purchasing a home and once again, SLS has not removed, nor have they corrected the incorrect information they are reporting to the bureaus. It is imperative that this be corrected asap! I can not lose out on purchasing a home once again due to SLS violating my rights as a consumer and disable veteran. There is no reason why SLS can not make the correction and also remove the account from reporting as its a very old account that continues to hurt my rights of purchasing a home for me and my family. This has caused me so much emotional distress, and XXXX. If this is not corrected, I will lose out on another home. If this is not corrected, I will seek legal counsel for emotional distress and damages. 

I seek your assistance with this issue that I can not get SLS to correct. 

Thank you, I may be reached at 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 2022-02-04 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: PA

Complaint narrative:
I disputed late payments on my credit report that was placed by XXXX  XXXX XXXX, they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and XXXX XXXX XXXX. 


Attached are receipts of payment

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 2022-02-04 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: PA

Complaint narrative:
I disputed late payments on my credit report that was placed by XXXX XXXX XXXX they placed ( 2 ) 30 day lates that were inaccurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The three credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from XXXX Equifax XXXX and XXXX XXXX XXXX.. 


Attached are receipts of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
I have been trying to pay off a mortgage with Amerihome Mortgage. My bank sent them a bank check on XX/XX/22. They sent the check back. I called them twice in XXXX and the second time, the representative stated that they would take XXXX payments. I have sent them those payments daily up to the balance due. They took both XXXX and XXXX mortgage payments out before they were due. I did not authorize this! I just want to pay off this mortgage. My last call was with XXXX from the Resolution Department on XX/XX/22. He said they are holding the last XXXX in an account!! He said he could not accept this payment. Why were they able to take all the other payments?? Meanwhile, I am getting charged fees. I would like this paid off as soon as possible and all my over payments paid back to me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: AR

Complaint narrative:
The only thing I could think of this being about is a used truck I had about 10 years ago and that case I let them have the truck back on the lemon law cause it never ran right and I was always spending money to fix it I can't even remember the name of the used lot I got it from and that used lot isn't even in business anymore. I think this is just a greedy collection agencies that founds people old depts and try to make money off them. If they can show me proof where I sign any contract with them then I will pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
I have requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. 

The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). 

The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. 

The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. 

In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. 

In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) On XX/XX/2022, I discovered BMW Financial Services on my credit report, Account # XXXX had been re-inserted into my credit file. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: MD

Complaint narrative:
On or about XX/XX/XXXX I submitted an FTC report to all 3 credit reporting agencies becuase of fraudelent information. Both XXXX and XXXX removed the items but Transunion did not remove the items. Fast forward I called in XXXX of XXXX Transunion to ask why they never removed the information from my consumer report they told me they apologized and I spoke with a rep named XXXX who assured me that the items would be removed within XXXX business days. When I called back in 15 days to find out the items where never removed. I spoke with a manager who said she couldn't help me all she could do was open up a dispute even after I told her that I spoke with a rep named XXXX and he assured me that the 2 items would be removed within 7-10 days. The 2 items in question are XXXX XXXX XXXX XXXX and XXXX XXXX Bank. The fact that Transunion assured me that these items were going to be removed but then never did has caused me great pain and has prevented me from getting the items that I need for household and family purposes. Basically Transunion has caused me to not be able to obtain credit to buy the bare necessities like furniture, groceries, credit to be able to buy a car to get my family around. I have 3 kids and we have had to walk everywhere and that has caused me to experience extreme pain and turmoil in my life. It has caused a tremendous stress in my life and has caused me to lose vision out of my left eye. Now i am almost certain Transunion does not want medical issuses to be on there plate 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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I found out that my Chase banking account was locked when I tried to log in via mobile app around XXXX pm on XX/XX/2022. The message was saying " We locked your account due to unusual activity. Call us to unlock it ''. I immediately tried to log in my account on Chase.com website but got the same message. So I called the provided number XXXX right away. The first operator told me that he needs to direct me to another department. After the call was redirected, I was put online for 12 mins without answer. So I have to hung up and called in second time at XXXX pm. I talked to different operator this time. She told me she found a flag in my account. The flag said Chase identified a cyber security issue when I used my device and asked me the run anti-virus software and called them back to remove the flag. I was very confused as I use app installed on XXXX. I never heard that anti-virus software. I told her my confusion. She told me that she would have to transfer my call to another department. So my call was transferred to different place. Very frustrating, I had to hung up after 24 minuets waiting without response again. I then called the 3rd time. The similar story happened and even more frustrating. This time, my call was transferred to twice. My call was transferred to Fraud Prevention team after 30 mins waiting. But I heard the voice message saying " the department is currently closed ''. So it ended up nothing after more than 1.5 hours waiting and transferring back and forth. I called Chase again in the following day on XX/XX/2022. I started calling at XXXX pm. My call was transferred to Fraud department again. But after several back and forth, I didn't know where they transferred my call. But no one could help. I had to call again after 30 mins waiting. This time, the operator put me on hold for 1 hour 12 mins and never came back to me. As seen, I called Chase for two days and was put on hold without response for half day. I can't see my accounts and I don't know what happened to my account either. I lost the control of my own account. Until now, the problem wasn't really addressed after 48 hours since I identified the issue without notifying from Chase. Very frustrated as a loyal customer with Chase for more than 10 years. Now I am wondering if my confidence with the largest bank in U.S. is fading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Received letter dated XX/XX/XXXX from Freedom Mortgage who has serviced my loan since XX/XX/XXXX. Letter stated that my hazard insurance expired. Letter also stated that they purchased an insurance policy and that I must pay for the policy but I do NOT have insurance. My policy has not expired or lapsed. 

Upon calling Freedom mortgage at XXXX, first the company 's automated message does not identify itself as Freedom Mortgage. Secondly, the agents ultimately tells me that the letter is inaccurate and that Freedom Mortgage has NOT purchased insurance on the account. The supervisor says that CFPB required Freedom Mortage to put the inaccurate information in the letter.

I called Freedome Mortgage XXXX at ~ XXXX am XXXX. During the call, Freedom Mortgage accesses the insurance company 's database and retrieves the information they need. 

There is too much fraudulent activity going on for this type of activity to be permissible.

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 2022-02-04 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: OH

Complaint narrative:
In a nutshell, this credit building repair states that the will report to all three CBR when you sign up with them. It is not a loan, rather, they pull draws from your personal checking account for a period of 24 months, they claim they only take {$9.00} administrative fee, the money is held on an authorized bank account and is released after 24 months. what they don't say, they charge finance charge on your own money? Please see screenshot attached were they list they terms and conditions, not disclosed anywhere, or barely emphasized on that particular screen. Furthermore, when you cease they sign up process, you are bombarded with " customer reviews '' to encourage signing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 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: NC

Complaint narrative:
On XX/XX/XXXX I sent, through certified mail, a letter to Transunion, XXXX, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - Transunion XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to Transunion requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, Transunion is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all 3 credit reporting bureaus ' records. 

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 non-monetary relief
Consumer complaint received 2022-02-04 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA

Complaint narrative:
My husband and I are planning to purchase a home in Florida. The realtor suggested we obtain a pre-approval for a loan amount. I began the process through a link on XXXX. The agent emailed me and said that I would have to give permission for a soft credit check which would not affect my credit score. His company sent a link to agree to the soft credit check on XX/XX/2022. I clicked the link and began uploading the documentation they requested. A few day 's later, on XX/XX/2022, I received an email from XXXX that I have a credit notification. I went into Experian and found that this lender pulled a Hard Credit Report, which has lowered my credit XXXX. I emailed the company and told them that I did not consent to the hard credit pull and that they needed to fix this. In fact, they pulled a hard credit check and I had not even finished providing all of my documentation. Just this morning, the lender called me and when I informed him and provided the emails back to him showing that the consent link clearly states that it would be a Soft Credit check and would not affect my credit score, I heard him typing and I think he actually altered my record. I am concerned that he has access to my financial information now, as well as the fact that by pulling a hard credit check, this company has financially harmed my husband and myself with our credit rating, which ultimately will negatively, financially impact us when we apply for loan. 

I noticed that he sent a picture of " my consent '' while we were on the phone this morning. I could hear him typing and think he altered my documentation. He told me that he doesn't have th ability to alter my consent, but I think that he can because on the phone call, when I requested proof of my consent, he began typing and then sent. I would look at the time stamp for the consent. In any case, the emails that I received, represented that this would be a soft credit check and instead they conducted a hard credit check. I am attaching the emails in the documents. I will provide all emails later if needed. 

This company is XXXX XXXX XXXX # XXXX ( XXXX ) XXXX The agent is : XXXX XXXX XXXX XXXX NMLS # XXXX XXXX  Days To Close m : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX. XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a US citizen, living in XXXX for the last few years. I have a credit card account with Chase Manhattan bank since XXXX. I use it occasionally and pay it off by logging into my the online account. It helps maintain my credit score as I plan to move back to the US.

THE ISSUE : Three weeks ago ( mid XX/XX/XXXX ) I tried to log into my account on my laptop and I got a message saying that they do not recognize the device. It then said they would send a code to my phone number that I have on file for my account. I never received a code. Over the next week I tried again and had the same problem. In the past I have never been sent a code to log in, so I think this is a new security feature. My concern is that being locked out of my account means I cant pay it off, so interest charges will rise and it will ruin my credit. 

EFFORTS TO RESOLVE IT : I have made 3 unsuccessful attempts to get access to my account.

1 ). I called Chases online technical support number for those outside the US ( XXXX ) on XX/XX/XXXX. Customer service told me that because my number was an international number, the code was not going through. The system expects a US number. However, for customer service to verify who I was, they needed to send a code to my number on file, but again they could only send codes to US numbers. She said she could give me a code over the phone but still need to verify I was the account owner. For verification, I was then transferred to the to the credit card department. He said he could not verify me, and transferred me to the fraud department. With the fraud representative I answered the question on my mother maiden name, but before I had an opportunity to answer the next question, the phone line was cut off.

2 ). I called the same technical support number the following day ( XX/XX/XXXX ). The customer service representative put me on hold for 30 minutes before I could speak with a supervisor. He said I had two options, 1 ) we could call the branch where I opened the account and see if they could verify who I was and 2 ) I could set up a meeting with a chase representative online. He transferred me to the XXXX XXXX branch and the message said all operators were busy and call back at another time. Then I was cut off. 

3 ). I then went online and set up a meeting with a Chase banker for XXXX ( XXXX XXXX ) XX/XX/XXXX. I gave my email address and a phone number and was told that I would be meeting with XXXX XXXX. At XXXX I waited for the call, but never received one.

Company response to consumer: Closed with explanation