vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score.

After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : Equifax, XXXX & XXXX gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I attempted for two hours to unfreeze my credit with XXXX and to see my credit score. 
After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score. 
Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX XXXX & Experion gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them! 
This is wrong, it is purposeful manipulation to sell you a product you do not need!

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 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/XXXX I noticed multiple derogatory accounts on my credit file. So I sent a letter via USPS on XX/XX/XXXX to Account Resolution Services asking that they allow me to validate the alleged debt. I specifically asked for a breakdown of fees including collections cost and medical charges and a copy of the medical release from the provider of service with my signature. Additionally I asked them to cease reporting to all credit bureaus until the debt was validated by me. 

My Request was not honored instead they sent a generic letter dated XX/XX/XXXX stating the they have verified with their client and confirmed the debt was valid. 

After receiving this I responded on XX/XX/XXXX via certified mail advising Account Resolution services that I did not ask for verification. I asked for VALIDATION which is actual proof of this alleged debt. I advised them that I have never heard of their client whom they've verified this information with. I asked them again to please send valid evidence that I had a contractual obligation to pay this alleged debt. I advised them that I am fully aware of my rights allowed under the FDCPA. I also advised them that withholding information from the medical provider is a direct violation and that I would seek damages accordingly. Additionally I demanded the deletion of all accounts they have on file if there was no evidence of this debt under my name. 

On XX/XX/XXXX Account Resolution Services received my letter sent certified mail which i have proof. They ignored my request once again and sent me the EXACT SAME letter as before however this time it was dated XX/XX/XXXX. This company is clearly not compliant and have reported this invalid debt to the credit bureaus even after they received my requests. I have notified the XXXX and notified all 3 credit bureaus of this company 's action. I need these debts DELETED from credit profile IMMEDIALELY. 
I will attach every correspondence sent to and from Account Resolution Services.

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 2020-10-27 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: PA

Complaint narrative:
On XX/XX/2020 Experian deleted payment History for account XXXX XXXX XXXX that violates FCRA. Account was also not marked " Disputed by consumer '' and status update date was not updated for investigation. How can Experian verify and update account with incomplete and inaccurate payment History? I requested account be removed due to errors and violations on report, however, CRA updated and verified account as accurate.

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 2020-10-27 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 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 XXXX  data breach and may have got into the hands 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 2020-10-27 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: CA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more over 60 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 XXXX  data breach and may have got into the hands 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX showed we were pre approved for many cards and loans. We clicked on the items and it turns out we werent pre approved. Now we have a lot of hard inquiries which is hurting our score.

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 2020-10-27 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: CO

Complaint narrative:
I have tried multiple times for Experian to verify these 3 credit card accounts from XXXX XXXX. I asked them to verify these 3 accounts. Each time they write back and said the account is verified. I have requested that I receive original documentation from these accounts and each time they do not verify the accounts, they refuse to look at my requests anymore. I started requesting this information back in XXXX of 2018 and have been since sending letters. Here are my USPS tracking number from that original time : Experian : XXXX I've also attached their investigation report as well. They did not do a full investigation. they checked e-Oscar and just stated it was validated. I am also requesting a paper copy investigation. I do not give consent for an electronic investigation. 

XXXX XXXX ACCOUNTS IN QUESTION Closed XXXX XXXX - # XXXX Closed XXXX  XXXX # XXXX Closed 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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a dispute on XX/XX/2020 after signing up for alerts from Wells Fargo, and I started getting notifications that my card was being used repeatedly. I was given a provisional credit which was reversed and basically took all the money I had left in my account. 

I talked to a supervisor who informed me that ALL my money would be returned if the vendor doesnt respond by the XX/XX/2020, which wouldve been 30 days. The XXXX comes and go and I still dont have my money back. During the phone call with the Supervisor, which was recorded, he informed me not to worry, that merchants never respond because the fraud was done digitally online and that there isnt anything that the merchant can respond with that wil change the outcome, he said you will have you your money back because the MERCHANT WILL JOT RESPOND! 

Now, they are telling me I have to wait another 120 days for a response from the merchant, event though theyve said repeatedly that the merchant will not respond because theres no evidence that the merchant can provide since the fraudulent charges were done online. He said theres no sign contact or verbal agreement and no video or photo evidence. Once again they all reassured me the merchant wont respond. 

They are holding my money hostage and I have a family and bills they are past due, because of their lack of care for their customers. I told them last Monday was my last day at work and my family needs our money. I dont understand how these big companies has the power to take customers money. 

I just got off the phone with a rep at XXXX XXXX today that also informed me that she also already know the merchant wont respond. And MERCHANTS HAVE 30 days to respond to disputes, which the merchant didnt do by the XXXX of XXXX, therefore the merchant wont respond or challenge the dispute. Wells Fargo seems to be a predatory company. I have deposited almost $ 100k in my account since XXXX of this year, yet they take my hard earned money. If this complaint doesnt resolve my issue immediately, I will be taking legal action, I have recorded my last 4 phone calls with their agents, which proves what they told me. 

Thank you CFPB for being a voice for customers!!

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 2020-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
This isnt my debt my identity was stolen and Ive been trying to get this removed from my XXXX report and they will not remove it, they dont have proof and they wont remove it.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I believe it was in 2018, my husband and I were trying to apply for the low income units at the XXXX XXXX XXXX. We were not qualified for the low income because we were told our income was over the limit. We were treated with unprofessional behavior when we asked for our {$300.00} deposit since we were no longer getting the apartment. We paid a total of {$470.00}, {$170.00} for the application. We ended canceling the payment from our bank account because they refused to refund the {$300.00} deposit. The last time we spoke to a debt collector we told him we were willing to pay the {$170.00} and he did not the agree to our terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
My father passed away and my name and my sister 's name were transfer on death for the home. I am trying to sell the home and my name is not on the mortgage, or am I authorized. I am just trying to get a payoff amount. The mortgage company will not give the title company the payoff amount without my authorization, but they won't take my authorization when I call. 

The house is sold - needing information for closing, i.e. payoff amount - how hard can that be? PHH mortgage company is uncooperative and the people I talk to do not understand English well enough to understand what I am saying. 

I can't bring my dad back from the dead to authorize the title company to give the payoff amount - please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report was accessed without authorization or permissible purpose that resulted in fraudulent loan by 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 2020-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
hello see attachment. i still have not received approval and confirmation of my loan modification adjustment from Wells Fargo by mail and no copies outlining the plan and if I make payments I want to make sure it will be applied

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 2020-10-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/2020 around XXXX XXXX In regrades of my Experian credit report, XXXX  XXXX, XXXX  XXXX. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying Experian {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a XXXX  and I work very hard on my credit. Please stop lower my credit points for know reason.

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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On today, XX/XX/2020, I received yet another harassing, exploitive and threatening letter from Select Portfolio Servicing, the most unjust mortgage servicing entity in XXXX XXXX. It was surprising that my initial mortgage servicer had switched my account to SPS. In any event, CFPB assisted me before on this same issue of SPS penalizing me because it said that my payment did not arrive on the first of XX/XX/2020. Prior to this complaint by SPS, it said I had until the XXXX of each month to have my payment in. Then later, SPS said that I had to increase my monthly payment to cover escrow, and I did. I am seeking a new loan servicing entity because SPS harasses me with impunity constantly. I have attached the very letter sent me by SPS penalizing me because it did not receive payment on the first of XXXX. I do not receive income until the 3-5 day of each month, and have always told SPS such. Now suddenly this issue resurfaces.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a home loan with Select Portfolio Servicing. Prior to onset of Covid 19 that resulted in California being shut down ( XX/XX/2020 ) I had not been late in making my mortgage payments. I own a XXXX XXXX XXXX and due to the Corona Virus and the lockdown, I suffered significant financial loss and at the end of XXXX of 2020 I applied for a loan modification. After some back and forth and providing them all the documents they requested I was turned down for a modification. I am still unable to pay my mortgage as my business has not returned to normal ... .people are working from home and there is little need for XXXX XXXX XXXX. I have tried to negotiate with SPS but they refused to modify my loan saying only that I do not meet the guidelines of the investor/noteholder but then do not outline what those guidelines are. I have repeatedly requested what those guidelines are but do not get an answer. I was given a forebearance of 3 months. At the end of that 3 month period and while my loan modification was in process, SPS demanded a balloon payment of {$10000.00} due on XX/XX/2020. This was impossible to pay, resulting in my being in default and I now fear they will foreclose on my home. Additionally I believe SPS to be in violation of the CARES act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
report from Kohl '' s says I am deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation