vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Was approved for a XXXX XXXX second mortgage by XXXX  XXXX XXXX XXXX. Account # XXXX. Case mgmt # XXXX. 

XXXX XXXX XXXX sold servicing to Specialized loan Servicing, account # XXXX. 
XXXX. 

Was to receive incentive for payment for 5years at the end of sixth year. Was not in note, however my first mortgage did not include in note either. Did some research and found that after XX/XX/2012 per HUD, lenders were to notify of incentives separately by mail. Never received a notice. They are also supposed to send notice of incentive payment due 1 month prior to the sixth year anniversary. This did not occur either. 

When loan was transferred, I called Bank XXXX XXXX and the assured me the XXXX qualified for incentive and that new lender would be aware. Called Specialized loan servicing and they concurred. 

My XXXX anniversary date plus one month was this past XXXX, was told perhaps the next month. Called in XXXX as there was no principal incentive applied. Was told there was no information on file for them to do so. They wanted a document to show proof. 
Called XXXX  XXXX XXXX case management department and they had nothing on file except for the note. Their number is listed above. 

Did more research and found that the loan servicing department would handle incentives and reporting. 

Can you please assist me in getting this resolved?

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had 2 Bank of America credit cards opened in my name. One on XX/XX/22 and the other on XX/XX/22. Both had a credit limit of {$10000.00} Bank of America closed both accounts

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 2022-05-03 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: TX

Complaint narrative:
I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XX/XX/XXXX USPS Certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted aster improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

Delete the following accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had an email from cash app that I had an email sent too me saying I had an unrecognizable device logged my account. I logged into my cash app account from my cellular phone which is the normal way I log in through the app. And while I was logged in apparently someone else was also because they changed my primary notification cell phone number to some other unknown unrecognized phone number and I got sent a notification. I went in and changed that phone number back to my correct phone number and change my email back to my correct email, which they had apparently changed also. And as soon as I changed my phone number back to the correct phone number I got a notification that it had been rechanged to some other unknown phone number again. Also as soon as I logged into my account I saw a notification that someone named " XXXX '' had requested {$75.00} and while I was changing my email address and cell phone number back to the correct information someone else approved that request and sent the {$75.00} on his way to this XXXX person. I immediately was trying to secure my account and change my password. And when I went in to change my password every time the only thing I could get was an error message that the last cell phone number that had been input was not available or appropriate and was not linked. The app simply refused to allow me to change my password instead it sent me to the only option it had was to contact customer service and at that time of the day the only contact customer service was through chat. And apparently at that time of day they were unavailable because they did not contact me until the next morning! The app simply refused to allow me to change my password and secure my account! I had gone ahead and started the chat to customer service but then realize that no one was there to reply to me, but they did reply the next day. I had already started and filled out all of the information for them as far as the unrecognized unauthorized transaction for {$75.00} and they sent me a follow-up for a little bit of further information which I replied to. They notified me that the claim decision number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I wrote to TransUnion in XXXX and XXXX of XXXX  and called in XXXX of XXXX  and explained that a mortgage company I am working with said that my credit report shows open disputes for closed accounts and the disputes need to be shown as closed. I have asked TransUnion to update this information and to date they have failed to update these accounts accordingly. These incorrect dispute comments are hurting my credit and causing issues with the approval of my mortgage. 
My two XXXX XXXX XXXX XXXX accounts that are closed need to show no open disputes and the dispute comments removed as the disputes have been resolved with XXXX XXXX and the accounts are now reporting correctly.

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 2022-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: GA

Complaint narrative:
accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 602 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC
State: IL

Complaint narrative:
I am simply doing this report because I just called the company around XXXX XXXX  today and I am already receiving an email talking about a settlement when I distinctly stated that the account was open fraudulently. On the letter emailed, it spoke of interest increasing from this day forward. I am not responsible for a fraudulent account. I was told to email XXXX to continue with my claim. I am doing that. The letter was not necessary. And I called in on my own inquiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Hello : Back in the start of 2022, TD Bank sent me letter suggesting that my account was in arrears by at least {$15000.00}. When we looked into it it seemed that the company was not properly processing my payments. Despite some hassle, we agreed that I would make one extra payment to 'top off ' my escrow account to ensure that he escrow wouldn't trigger insufficient funds. On XX/XX/XXXX, I made that payment of {$1600.00}. TD Bank issued a letter to me indicating that my account was fully paid up. 

Since then it seems that TD Bank continues to have issues and has been mishandling the monthly payments that I have made and they now claim that my account was now {$22000.00} in arrears. I have spent dozens of hours trying to interact with the bank, making phone calls, speaking with agents. I have written at least two letters/emails to them- and I have yet to get a sufficient resolution to this problem. I am seriously fearing that the bank will attempt to take my house from me despite the fact that I made all payments on time. I will submit to you a proof of payments being issued by my account, and an accounting provided by TD Bank of all of my payments. 

To add insult to injury, my credit score has been adversely effected by these inappropriate actions by TD Bank- and it now indicates that I have missed multiple payments to my mortgages. All of this is completely erroneous and I am unable to get new credit issued to me due to these faulty reports of misconduct on my behalf. 

On my last calls with the bank on XX/XX/2022, I was informed that their analysis suggested that I was still behind on my payments - when it's clear to me that ( A ) i have issued all payments through my bank and ( B ) their math on the Payment Analysis that they performed was erroneous. 

I am turning to the CFPB as a last resort- please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I filed a complaint on Consumer Portfolio SVC. Consumer Portfolio SVC is refusing to remove " DEROGATORY '' and inaccurate information from my XXXX credit report as XX/XX/XXXX. 

1 ) In my XXXX profile Consumer Portfolio SVC is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from Consumer Portfolio SVC, therefore I'm requesting all inaccurate information from Consumer Portfolio SVC be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore Consumer Portfolio SVC is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Consumer Portfolio SVC has abused, violated my rights as a consumer, I will take legal action against Consumer Portfolio SVC if all this information isn't removed immediately!!

And I ask Consumer Financial Protection Bureau open a thorough investigation into Consumer Portfolio SVC of how they handle consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my XXXX and Equifax reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: MI

Complaint narrative:
I explored the option to pre-quality which has no impact on ones credit report but despite that I got hard inquiries on my Experian and XXXX reports from XXXX XXXX. They said, it was a mistake and after that they didnt help in any way and didnt attend my calls next day either.

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 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.

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 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; CHILD SUPPORT- Account # XXXX, CHILD SUPPORT ENFORCEMENT- Account # XXXX, FLORIDA DEPT OF REVENUE- Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1681e ( b ) and 15 U.S.C 1681i ( 5 ) : This account in violation not reporting 100 % accurate as it lists the Child Support court as the furnisher, that's forgery and misleading because the courts DO NOT report this type of account.

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 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry

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 2022-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my expressed written consent and instructions. The bureaus and the following companies are in violation. Please see below along with the requested remedy. 

XXXX XXXX | XXXX XXXX XXXX  | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | Inquiry XXXX XXXX | Inquiry

Company response to consumer: Closed with explanation