vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
Select Portfolio refuse to adhere to bankruptcy laws of United States XXXX XXXX proceeding with XXXX XXXX XXXX XXXX mortgage settlement, in addition to paid off lien over the last 8 years based on court order for lien located at XXXX XXXX XXXX, XXXX XXXX  XXXX. 

Failure to provide CERTIFIED copy of legal right to assert lien or claim against property at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX under countless Qualified Written Request A refund is NOW due in the amount {$230000.00} due to OVERPAYMENT and illegal collection mortgage does not exist with investor fraud. Does not have court approval or order to make changes to funds received in last eight ( 8 ) years. Reporting debt personal credit ruined credit and maniputate credit history. Fraudulent documents provided by XXXX XXXX XXXX and XXXX XXXX in XXXX Violations of the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., HUD Regulation X, 24 C.F.R. Part 3500 ; Improper and unauthorized fees, 11 U.S.C. 506 ; Unapproved fees, Fed. R. Bankr. P. 2016 ; Willful violation discharge injunction violation, under 11 U.S.C. 524. Violations of the Fair Debt Collections Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Violation of 11 U.S.C. 1129 ( b ) ( 2 ) ( A ) ( i ) ( 1 ), ( I1 ) provides that the creditor has to receive deferred cash payments " totaling at least the allowed amount of [ its ] claim, of a value, as of the effective date of the plan, of at least the value of such holder 's interest in the estate 's interest in such property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Experian Credit Reports. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX EXPERIAN XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX FXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/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 2022-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing.

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 2022-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone call me from XXXX and XXXX attorney office, saying I opened a XXXX acct. Which I never did called and harassed me after I told him I never had one. So he hangs up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I spoke with XXXX and she was very helpful so I am just trying to open a portal to up load my info and evidence. What is happening is my mortgage co. is raising my house payment saying there is a shortage in escrow for insurance and tax impounds so I sent them the {$900.00} they said I was short even though when I contacted my insurance they said it was fine they even sent me a {$210.00} refund for over payments so they are still raising my payments and threatening me saying they will not except short payments. I have called several times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
Deposited two transactions in Crypto.com {$500.00} and {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Website says can take up to 7 full buisness days it's been 9 if you count XXXX XXXX XXXX but at least 8. I contacted customer support yesterday and today. All they will say is they are looking into it. They allow you to use the deposits to " buy '' but not transfer crypto on the Crypto.com exchange but not transfer it off of the exchange while at the same time they also freeze your funds that were already cleared for use until the new funds are cleared. Many people are complaining about this online

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 monetary relief
Consumer complaint received 2022-03-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts : XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
A bill collector for XXXX Called Diversified Adjustment service , INC . Located at XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX. Without warning or proof of this debt being mine posted this debt on my credit report. When I called them on XX/XX/XXXX, to investigate this company and why their Name was on my credit report. The person said that this was my debt from XXXX XXXX company from XXXX to XXXX. I informed them that I settled this account and to take it off. The person said it would remain there until the debt was settled. I do not have proof of this settled account because I can't find it. It's been a few years since I paid this bill, and I don't have my receipt. But my point is that they didn't even send me ANY BILLS or give me any warning or proved I owed this money before they put this on my credit report. I had no chance to dispute this debt before they reported it and lowered/damaged my credit report. I've worked hard at fixing my credit and they are damaging my credit with this unproven debt. I sent them an Email to remove it and it's been 5 months and they have not removed it. I disputed it on XXXX and XXXX XXXX and it has not been removed. Can you please help me get it removed? I settled this account back in XXXX. Thank you, kindly XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers 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 2022-03-03 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: TX

Complaint narrative:
In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advantage Credit, Inc.
State: MI

Complaint narrative:
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am writing to inform you that yesterday, XX/XX/2022, my credit monitoring service, XXXX XXXX and XXXX both alerted me to the fact that someone who has been hacking my cell phone has applied for a {$20000.00} mortgage loan through the company One Main Financial, XXXX, PA. I was not able to call their office at that time due to being closed at that time, but notified them this morning, XX/XX/2022 and they cancelled the application but would not report the hard inquiry to the credit bureaus. I, then had to call XXXX and report the whole issue, I also initiated fraud alert with them who will notify the XXXX other bureaus. The phone number of this individual who is hacking is XXXX and the email hacker is XXXX. There is also another email hacker with a XXXX but I only know it starts with XXXX... Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: MI

Complaint narrative:
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. 
CREDCO being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed 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 explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
Specialized Loan Servicing recently filed for the Bankruptcy courts to lift the automatic stay which will allow them to foreclose on my home. I believe that this stems from me applying for the ( MAA ) Mortgage Assistance Alabama, and Specialize Loan Servicing not wanting me to receive this Covid Relief Assistance to help me become current on my payments. When I call they pretend that they are not knowledgeable of this program, however ; my assigned Underwriter has stated that Specialize Loan Servicing does participates in this program, and she's not sure why they wouldn't want me to be able to get this mortgage relief due to Covid. Although, I got behind a year ago on my payments, I have been making my monthly payments, however ; ( SLS ) has threaten to foreclose on my home. 

I also faxed ( SLS ) a letter on XX/XX/2022 requesting and giving them permission to give my information to the Underwriter, and they are pretending not to know what to do. 
It seems from my investigation that this company has a history of not wanting to help customers. We are in a pandemic and this program was designed to help people who are wanting to get back to some type of normalcy. Specialized Servicing goal is to take people homes.

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 2022-03-03 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: MA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted XXXX to inform them of my new banking information, however, no one answered. I left a detailed voicemail but never received a callback. On Tuesday, XX/XX/XXXX I contacted XXXX once again, and once again no one answered. I once again left a detailed voicemail but never received a callback. Last week after being informed by the credit bureaus that the balance was reported as an increase I disputed the amount and asked for an investigation. XXXX contacted me but only to pass the blame to everyone but themselves and offered no resolution. I dispute the account with them as well so there could be an investigation completed however this week instead of investigating I was meet with yet another negative mark on my credit on an actively disputed account that belongs to a servicemember protected under XXXX. XXXX has violated federal lending law and also provisions of the FCRA. A XXXX complaint was made but I have yet to receive a response from XXXX. I have also filed a XXXX AG complaint

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am requesting all credit reporting agencies immediately remove from their information my 2001 XXXX XXXX XXXX XXXX from their files. Most states remove their records that type of information after 10 years. In VA it is 20 years. Please work with all the credit reporting agencies to have that removed completely from their data. My file has both civil and XXXX and I want both removed. That would resolve the issue.

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 2022-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amscot Corporation
State: FL

Complaint narrative:
I got a new phone number and as soon as it became active, I started receiving debt collection calls for the previous owner of the phone number named " XXXX '' for AMSCOT, a pay day loan company. I immediately told them on the first call that person is not tied to this number and I only got the new number activated in late XX/XX/XXXX, and would they please take this number out of the database. I have received multiple calls total and I can't seem to get them to remove my number from their collection database, and I told them I was going to file a complaint for repeated calls. 

Here is a list from the call log- they've been told repeatedly to stop calling and instead they continue to call 2-3 times a day. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Pursuant to 15 USC 1681b ( a ) ( 2 ) Experian is in violation of furnishing my consumer report without my written consent. I the consumer XXXX XXXX never gave Experian any written consent to furnish anything on my consumer report. Without my consent Experian is committing identity theft. 
I have attach the response I sent to Experian below.

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 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal claimed to being holding my funds for 180 days even after I submitted the proper paperwork they did not release all of my funds. It was over {$25000.00} they gave me back a little over XXXX back.

Company response to consumer: Closed with explanation