vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
1 ) The mortgage servicer Select Portfolio Servicing, Inc denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. A generic denial was provided stating I did not qualify for any workout assistance except short sale or liquidation. 

XXXX ) Select Portfolio Servicing, Inc refused to honor the request for mortgage assistance for the short sale application that was forwarded after the denial of the modification. The short sale application was sent in XXXX, again in XXXX, and finally confirmed on XX/XX/XXXX, to be received by Select Portfolio Servicing , Inc . 

3 ) Select Portfolio, Inc stated verbally that they would open the case because of the confusion with the prior submission. However, was confirmed and received they denied the review of the application and continued with the foreclosure sale date on record of XX/XX/XXXX. 





4 ) I continued to search for someone to buy my home and finally entered a ratified contract to sell my property on XX/XX/XXXX. The information was immediately sent to Select Portfolio Servicing , Inc requesting a postponement of the scheduled XX/XX/XXXX, sale date. The purchase amount would pay Select Portfolio Servicing, Inc off in full and allow me to obtain funds to move. Select Portfolio Servicing, Inc once again denies the postponement request. They would rather foreclose on me than postpone the sale 30-40 days and allow me to pay them off and obtain a little profit.

5 ) The actions of Select Portfolio Servicing, Inc are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking.

6 ) Select Portfolio Servicing , Inc has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act. These violations are being addressed in the Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about 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 non-monetary relief
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-05-26 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 sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am in total disagreement with your investigation responses. 
The incorrect items listed below still appear on my credit report, even after you their investigation. I would like these items immediately re-investigated and for good cause. 


XXXX XXXX XXXX : Inaccuracies Last verified date Date of last activity Date reported Date opened Date closed Last payment Account type Credit limit Account number XXXX XXXX XXXX Last Verified : Date of Last Activity : Date Reported : Date Opened : Closed Date : Last payment XXXX XXXX XXXX High Balance : Last Verified : Date of Last Activity : Date Reported : Date Opened : Balance Owed : Closed Date : Please see the several issues on my report and address them accordingly : These inaccuracies are highly injurious to my credit rating and are being reported across all credit bureaus. These inaccuracies fail to meet FCRA requirements. 

I have never received a 1099 form for the above charged off accounts 15 usc 1692 g I do not recognize how these accounts are reporting on my credit report I dont recognize the account number, status, high balance, or late payments associated with it. everything reported here does not meet the FCRA reporting requirements Fair Credit Reporting Act, Section 609 I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding the items listed above that are listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of everyone with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by law. 


Sincerely, 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 2023-05-26 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: IL

Complaint narrative:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past,

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 2023-05-26 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 deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 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: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XXXX, XXXX reached out to me threatening to sue for a debt that I had tried to tell them wasnt mine and was a result of my identity being stolen by my abusive mother. They didnt hear me, and only wanted the money. Scared of a lawsuit, I caved and set up a payment plan with them to avoid a suit. I have been making payments monthly for a debt that I did not create nor reap the benefits of. Now, I had a payment not go through due to my card being turned off overnight manually so that my account isnt frauded. On XX/XX/XXXX I spoke with account manager XXXX, who said that the payment would be retried overnight. When I checked with account manager XXXX later that day ( see screenshot below ), she said she wasnt sure and to wait until the next day to see if it would happen. That didnt happen, and my payment plan was voided. They have also been sending me conflicting emails about how much total is due, with varying amounts ( see images ). Their website is also misleading, showing that a payment posted after the failed transaction ( see image ). The amount of inconsistencies in this company as well as the lack of knowledge in its workers tell me all I need to know about it, and I have lost confidence that I can resolve this with them. The account wasnt mine to begin with, but I was afraid to be sued for it because my name is attached to it. The tactics they use are inhumane and wrong.

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 2023-05-26 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: GA

Complaint narrative:
A XXXX credit card was fraudulently opened in my name and appeared on my credit report. It was issued through XXXX XXXX XXXX I have never used XXXX. This is a case of fraud and police report is being filed today. Neither XXXX fraud department or XXXX XXXX have been of any help with this situation at all, and they both informed me that it was not their problem.

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 2023-05-26 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is frau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: UT

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they violate the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus must modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate ; I can go on and on. 
The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a dispute for an item I purchased from Amazon, returned, and was never credited for. Chase card services requested a copy of the drop off receipt, which I provided that included the reference number for the return code provided to me by Amazon.

Chase informed me they were cancelling the dispute due to the weight of the item on the receipt not matching the weight of the item returned and advised me to return to the XXXX store where I completed the return. 
I immediately went to the store, and was advised by the store manager that PER Amazon 's Terms and Conditions they are not required to weigh returns and she confirmed that I did in fact drop off the item, and her team member confirmed that my return code matched the receipt in hand and that was my proof of return.

Chase informed me I had to resubmit all of this information for them to reconsider the disupute. I have submitted this information twice and Chase is not responding to this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On or about XX/XX/XXXX I submitted a claim against Bank of America with the CFPB stating how my consumer rights were violated and how I would like to exercise my right to rescind the transaction for my auto loan. I received threatening letters about repossession and even a few phone calls. After the case with CFPB was closed and I received a rebuttal from Bank of America representative XXXX XXXX ( Resolution Specialist Regulatory Complaints ) which stated " we have determined that no bank error occurred in the management of your loan. Bank of America respectfully declines your request for a refund due to you agreed to all disclosures at time of application and by signing the contract. Additionally, you agreed to a secured loan with vehicle ending XXXX as collateral ; therefore title will not be released while there are remaining payments on the account. '' My complaint is, I was not properly serviced in my " loan '' transaction. According to 16 CFR 433.1 ( d ) Purchase money loan is a " Cash Advance '' which is received by a consumer in return for a " Finance Charge '' within the means of the Truth In Lending Act, which is applied, in whole or substantial part to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common Control, Contract or Business arrangement. XXXX XXXX XXXX says right in his statement that the vehicle is collateral, well what did I receive in return for the collateral? I did not receive my cash advance in my transaction, therefore because one violation makes the contract null and void I should still be in possession of the XXXX XXXX XXXX. 

On XX/XX/XXXX a towing company by the name of XXXX XXXX XXXX XXXX XXXX came to a parking lot I had the car and towed it away on behalf of Bank of America. Under 15 US Code 1692f ( 6 ) Unfair Practices, Bank of America violated my right by taking non judicial action to effect disposition or disablement of the property ( Vehicle ) because there were no present right to possession of property claimed as collateral through an enforceable security interest. Also 15 US code 6802 ( b ) ( 1 ) states, A financial Institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX XXXX XXXX is a nonaffiliated third party. 

In closing I would like Bank of America to return the Vehicle back to me along with the title and refund me the amount paid to them suming in {$7500.00}. 


I will be mailing in remainder of proof because I couldn't upload them all.

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