vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
Please see the attached letter sent to SPS. 
Another notation is they never provide any specific written requests for information - it is always phone calls from different individuals. Makes us feel like they are shady!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i did called capital one been on hold for like 8 house everyday they called me a XXXX on phone call me a lair to i never have capita one before

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Problem with personal statement of dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX  has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank Credit Cards on XX/XX/2020 significantly lowered my credit limits on the Costco Visa ( by XXXX ) and Citi XXXX Mastercard ( by XXXX ). 

Their letter stated that it was due to an unpaid high balance on another card - this was the XXXX XXXX XXXX identity theft fraud that I previously reported and was trying to resolve with XXXX. 

I was current and paying on time and my accounts were long standing accounts in good standing with Citibank. 

As a result of Citi 's actions, my accounts at Citi were then shown as at 90 % + credit utilization further deteriorating my credit score. 

I have since paid off the whole balance of each of the citibank cards, but the damage to both my credit limits and credit score continues.

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 2021-02-06 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: Harley Davidson Financial Services Inc
State: MS

Complaint narrative:
I have been disputing this account since XXXX. It was changed to charge off/ paid for less than full amount However that is NOT ACCURATE! 
It also reports different Closed Dates on all 3 of my reports, one report has XXXX, one has XXXX, and one has XXXX. The payment history is also inaccurate! Ive been fighting this for 2 years! Theres 2 different creditors being reported, though it may be the SAME COMPANY, the reports show One In Nevada and one shows XXXX. They only UPDATE it each time .... 
nothing about this account is ACCURATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: GA

Complaint narrative:
The bureau says that they verified this inaccuracy with XXXX XXXX which is a lie because it has been frozen since XX/XX/2020. I have provided written proof. In addition, the bureau has infringed upon my right to privacy based on the law 15 US Code 1681 ( a ) ( 4 ). With respect to privacy there is no such thing as a matter of public record for XXXX XXXX XXXX being as tho I am the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells fargo has a credit system its free, i just want to know how they come up with a score of XXXX, compared to XXXX  and XXXX XXXX, the reason they are listing my score is low are out of scope. My debt is below 9 percent, so i am confused on the 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 2021-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Aspire calls 3-4 times per day or until i answer the phone. This is harassment. I have XXXX XXXXXXXX  and this is making me have XXXX XXXX. I want compensation for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXXXXXX university was removed, ergo it stays that way. 
.

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 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm XXXX XXXX the consumer recognized in the FDCPA, Im looking at my consumer report and Ive noticed unauthorized inquires on file, dating XX/XX/XXXX, pursuant to title 15 U.S.C 1681 B ( 2 ) I never gave written permission for these to be posted. According to the FCRA these need to be deleted from my credit file. It is your duty to make sure accurate information is posted to my consumer report pursuant to Title 15 U.S.C 1681 2 ( b ) and Title 15 U.S.C 1681 e. If you feel as if the information I provide is inaccurate, presentment is in a form of Affidavit of Fact, so no material or misrepresentation has been completed .If you believe I obtained services I need a senior executive member of this company put on a affidavit, signed under penalty of perjury, signed and notarized. These inquires need removal from my consumer report because they never had written permission to pull my personal information. Only my current open credit cards should have permission to post.

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 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to COVID during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified LVNC Funding, LLC has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX  kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager | EOS USA XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXX XXXX XXXX XXXXXXXX EOS CCA XXXX XXXX XXXX XXXX XXXX TX XXXX EOS XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the XXXX  credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed two items on my credit report as they did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. On XX/XX/XXXX I received notice from Cavalry Portfolio Services LLC regarding both disputed accounts confirming they were reporting correct information and attached a monthly billing statement for the account from XXXX. This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I filled a chapter XXXX bankruptcy and for 2 years I have been making my payment but it shows discharged and the company will not put my payments on my credit report, my attorney stated that they should not be doing this and informed me of your service. Freedom Mortgage will not add my account as active and current. I am including my 1098 from 2020.

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXX XXXX  said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and Synchrony bank closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.

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 2021-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an excellent payment history with my payment accounts, credit cards etc. It started last year that Comenity bank said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX  closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial has incorrectly sent late payment information to the credit reporting agencies. 

This was a new vehicle purchase. There was some sort of problem with the account setup and then this reflected in their website. 

I was getting confusing information from their website - that my account had been cancelled, then access was locked and i couldn't get back in, then couldn't the new account. Then, when I tried to apply payment on several occasions, the system would not accept the payment. 

Then I called the service center to make a payment and the clerk took my payment information and I thought the matter was settled. 

However, a few days later, GM Financial called me to say that they had no information about the payment and I was late. I gave them the payment information again. The lady was very rude and said that there was no record of my previous call and that " no one else is having trouble with making payments on the online system ''. Really? I find that hard to believe. 

After spending an hour on the phone with an agent this week, I was able to get access to my account and will hopefully be able to make payments online. I am up to date on my account and the GM Financial System says I am current and next payment is due XX/XX/XXXX. However, you can not see payments made by calling the call center on their online system. 

If not for the process, system and coordination snafus at GM Financial, the payment would have been on time. 

There has been snafu after snafu dealing with GM Financial. And, they have a message saying there is a new system coming on XX/XX/XXXX. I am fearful this will not go well and I will not be able to apply my payment online. Hopefully this works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX XXXX {$2300.00} XXXX and XXXX XXXX {$180.00} XXXX. The fraudulent inquiries are : 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 2021-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This collection company disclosed the lawsuit to ALL my neighbors and exposed by daughter to XXXX during a house quarantine ( pic available that is dated and time stamped ). 

The lawsuit was left in a clear, gallon baggie hanging on my front door knob. You can see all the information contained on the notice ( case number/defendant and agency/attorney taking me to court ). I live in apartments and my youngest daughter was the one who found the notice while delivering groceries due to our quarantine. 

The FDCPA states : If a person is identified by name only, then they must be treated as a " third party. 

Indication that the public notice is regarding a debt to a third party would be considered disclosure and is not allowed. 
If the third party '' independently indicates that they have a debt, dispute the debt, talks about debt or client, etc we must still treat the communication as a " third party '' communication until one additional piece of non-public information ( NPI ) is verified XXXX XXXX, XXXX has disclosed my information. The next complaints will go towards the original client ( bank ) and original creditor ( card issuer ) who sold this debt to such an abusive company and has exposed my family to harm in the means in which they took to sue me during this pandemic. The news outlets may be next. While going through this law suit, two of my XXXX kids have had XXXX  ( can be proved ). I also have a pic of the 2nd instance of disclosure. 

I have yet to ever be served in any other fashion, by this collection company, during the law suit. This should match the serving partys records but I do have a picture available of the notice. 




XXXX XXXX Site Training Manager XXXX XXXX XXXX XXXX Toll free : XXXX x XXXX Direct : ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX For a debt-free world. 

This e-mail may contain confidential and/or privileged information. If you are not the intended recipient or have received this e-mail in error, please notify the sender immediately and destroy this e-mail. Any unauthorized copying, disclosure or distribution of the material in this e-mail is strictly forbidden.

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