vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX Specialized Loan Servicing, or SLS filed a Lien on my property without my consent. The issue is, I am not even aware of any debt or bill for the past 14 years from my original lender, and there is no collection or payment activity on the debt SLS is claiming I owe them. There is no communication or letter from my original lender transferring any loan to SLS. 

It is possible that my original lender must have granted forbearance, forgiveness, or write-off on the debt due to the market crash in XXXX and XXXX which prompted the modification of my loan in XXXX. 

However, SLS has sent numerous statements with inconsistent history on the payment of the debt they are claiming I owe them. They have also provided an inconsistent history of the original lender 's address and phone number. 

I have asked SLS for their proof of debt which they feel I am obligated to make any payments to them as they have never loaned me any money nor have I made any binding contractual agreement with SLS that makes me an obligated party to make any payment to them.

Recently SLS has threatened foreclosure action on my property and demanded that I pay {$46000.00} ( Forty-six thousand dollars ) in bulk otherwise my property will be foreclosed. I find this outrageous and I am requesting your assistance in stopping SLS from continuing to harass me. 

I am a senior citizen, a retiree, and a long-time resident of the state of Maryland, and I pay my bill. My mortgage payments are current and never late. That shows if this debt is genuine and was made known to me XXXX years ago it would have been paid off by now. 

Issues : 1. SLS-appointed trustees on the Deeds of my property without my consent.

2. Irregular mortgage notes and dates without my consent.

3. Inconsistencies in communication regarding the debt they are claiming I owe them.

4. No contractual or binding agreement between me and SLS that makes me an obligated borrower.

5. SLS has caused me mental anguish and financial hardship and I can not afford to pay 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 2023-08-06 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: GA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, Equifax, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to Equifax as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to report an incident of identity theft involving my personal information. I recently discovered multiple credit card accounts opened under my name without my knowledge or consent. These accounts were established in locations I have never visited, confirming the unauthorized nature of these actions.

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 2023-08-06 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: PA

Complaint narrative:
On XXXX - XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. 

XXXX ( Inquiry XXXX ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX  XXXX The FCRA that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my 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 explanation
Consumer complaint received 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
after carefully reviewing my credit report I have found discrepancies and inaccuracies that raise doubts about the validity of this debt I have reported the inaccuracies of this debt yet still the debt remains on my credit report, and neither have they provided me with the original contract requested.

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 2023-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
XXXX XXXX agency is Transfinancial Companies representing XXXX XXXX XXXX, the amount billed is {$680.00} and {$290.00}. The dates of service is XX/XX/XXXX. I have spoke directly to Transfinancial Companies whom directed me to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and spoke with the Business Director, XXXX XXXX, she stated " she does not what to do what to do with the bill ''. I'm disputing the bill because at that time I was a prisoner at XXXX XXXX, I was brought to the hospital after being arrested not at my request but because the officer assumed I needed care after previously having a XXXX that I was already treated for at another hospital 2 days before my XXXX. During the hospital visit I refused service with signed documents that the billing office viewed and still chose to bill me for services that were not rendered and also given without my consent. My point of contacts were XXXX XXXX at ( XXXX ) XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. I feel that I should not be held responsible for the bill being that I was not brought to the hospital as a XXXX, also I denied treatment with proven documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party Portfolio Recovery Associates 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 instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting that you take immediate action to remove this account from my credit report. I have previously asked for the information that I am legally entitled to according to FCRA on several occasions and you have refused to investigate my request. If the inaccurate account is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed, not providing me with a signature to validate the debt, and refusing to investigate my dispute. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report. 

I want this item removed from my credit report, I'm also seeking a settlement of {$4000.00} for violating the FCRA. I have maintained careful notes and correspondence since the beginning of my disputing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 2023-08-06 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This account below has violated my federally protected consumer rights and must be deleted for inaccuracy because it continues to report activity after the close date of XX/XX/2020, also this account shows a past due balance of {$1000.00} which is inaccurate. A closed/chargeoff account must NOT show a past due balance ( after it was charged-off with the IRS ) or show ANY activity after the account closed date. 


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 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since at least XX/XX/XXXX my account has been locked to usage and I have been unable to get them to unlock my account by the numerous calls and messages I have sent them. They keep forwarding me to call centers outside of the United States and no one seems to understand the English language! 

I have had this account open since XXXX and have had NO issues until recently with is bank and I have had about had it with Citi bank ; I am at my breaking point. They tell me mixed messages about how to go about getting my account unlocked including calling their account security team or that I would receieve a letter in the mail with instructions and a code to get it unlocked to which I have NOT receviced and when I call they keep telling me to wait! 

It is going into XXXX already and this is completely unacceptable customer service provided to a XXXX year old woman who had remained loyal to this bank for FIFTY THREE years!

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 2023-08-06 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: NY

Complaint narrative:
I have disputed the information with Experian in regards to an account in collections. as of XX/XX/23 XXXX XXXX XXXX purchased the debt from XXXX XXXX XXXX XXXXXXXX. on XXXXfor {$1400.00}. I have disputed online and through us mail that this account has never been mine and is a result of fraud and identity theft. The comments state it was disputed but it meets the requirement of the FCRA which if they did any investigation, is a lie. Again this account has never belonged to me. Id also like to report XXXX for my accounts in collection which i cant specify currently because I am unable to view my credit report due to the fraud alert I had placed on my account for the same reasoning. These accounts do not belong to me, also in regards to the hard inquires that were not authorized by myself need to be removed. The only hard inquiry that I authorized is for XXXX XXXX. Please remove the fraudulent collections accounts and the hard inquires ASAP. I am unable to get any financial assistance because of these, which I am in dire need of. Thank you for youre time.

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 2023-08-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I used my Barclays Jet Blue Credit Card to pay for a flight from XXXX ( XXXX ) to XXXX XXXX ( XXXX  ) on for a flight on XX/XX/XXXX at XXXX XXXX. I purchased XXXX tickets for my husband and two children on XX/XX/XXXX in the amount of {$680.00} times XXXX. On the date of travel our airplane was never even at the airport. We were delayed XXXX  times and did not take off until around XXXX XXXX. We were not offered any food and kept being told different stories. Due to the significant delay, we had to cancel dinner plans as well as our baseball game. We lost additional money. According to the XXXX website, significant delays can signal a refund particularly if they do not rebook your flight which they told me they couldn't do. So I disputed the charge with the credit company Barclays. Barclays credit card customer service told me in three separate instances that Jet Blue only had XXXX  days to respond to my complaint. If not it would be ruled in my favor as they have not responded. So I received XXXX provisional credits on my credit card. Jet Blue did not respond to them for about XXXX weeks and without notice I was once again charged for those XXXX tickets. Barclays has now said that due to their merchant agreement, services were rendered and merchant is due payment. However, I did not get the services that I paid for and feel that if I had used another credit card the company would look out on my behalf. I can not also believe that I was told by three separate employees that Jet Blue only had XXXX days to respond. I did contact Jet Blue before Barclays but they were only giving everyone a {$150.00} hour despite our flight taking off XXXX hours later.

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 2023-08-06 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: GA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX  Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts have all been removed as of the latest report pulled online with TransUnion, XXXX, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.

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 2023-08-06 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: GA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX Since pulling my report between XXXX and XXXX of XXXX  The XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, XXXX, and Experian, but inquiries from these accounts are still showing, with the exception of the inquiry reported to XXXX as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.

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 2023-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.

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 2023-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.

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 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/23 I had a charge on Chase bank statements for {$160.00} that was not authorized by me. I called my bank to dispute the charge and file for fraud and they temporarily put {$160.00} back on my account. Chase sent me a letter on XX/XX/23 to inform me that my claim was denied and they are removing the money from my account. In their letter they stated to contact them if I would like to request the information used for their research. I called again and was given no information as to why they denied it. The representative said that I can mail them additional proof for this charge. The charge said it was from " XXXX XXXX XXXX CA XXXX. The only company I had found was a shop on XXXX. I don't have an XXXX account and have never made a purchase on there. I also include my transactions from my XXXX account to confirm that I had never made a purchase with those dates, amounts, or company. Weeks went by and I never received a call, email, or letter with any information so I called again only to be told that my claim was still denied and they can not put the money back on my account. This should be illegal. Each time I called every representative gave me contradicting information with no solution. They would not give me any information on the company that took my money and I was not able to find a phone number or address online so I still have not been able to contact " XXXX '' to resolve this issue. This would be my last hope in getting my money back.

Company response to consumer: Closed with explanation