vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My mortgage loan was XXXX  to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of Colorado. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXXXXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

Specialized Loan Servicing has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less 6 months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?

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 2022-03-16 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XXXX was the dates. Hours between XXXX p.m. Phone calls was made to creditors and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX was the dates. Hours between XXXX XXXX. Phone calls was made to creditors and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TX

Complaint narrative:
On XX/XX/2022 I mailed a dispute to Experian asking that they look into XXXX bankruptcies being reported on my credit report. Experian incorrectly confirmed that the bankruptcies belonged on my credit report. I was sent a confirmation on XX/XX/2022 Experian says that they confirmed the Bankruptcies thru a company called XXXX. a third party company It is the responsibility of a credit reporting agency to verify information at it's source confirming Social Security number, Birthday and Name. No Federal court will provide this information under federal rule of Bankruptcy procedure 9037. Knowing this I already contacted XXXX and requested a consumer report from that company. XXXX sent me the requested consumer report which I received on XX/XX/2022. There aren't any bankruptcies showing on my XXXX XXXX consumer report. XXXX is not showing any bankruptcies. Experian should not have been able to verify public records with XXXX. XXXX is not showing any bankruptcies on my consumer report. It isn't possible to verify something when it isn't there.. XXXX has committed a grave error against me and my family and we have suffered irreparable harm due to the blatant intent of Experian to cause me harm. Please see attachments which includes my initial letter to Experian dated XX/XX/2022 Experian acknowledgement of receipt of dispute dated XX/XX/2022 Experian investigation response dated XX/XX/2022 A copy of My XXXX consumer report dated XX/XX/2022, I am demanding that the XXXX bankruptcies showing on my Experian consumer report be immediately removed.

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 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Called my XXXX on XX/XX/2022 about my loan he said the I had owed them money from a loan that I had with them also they are calling all hours and the payment is not going to the principal just to the products

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TradeStation Group, Inc.
State: OH

Complaint narrative:
I input {$10000.00} to qualify for a crypto promotion but Tradestation refuses to honor it. I even contacted them before applying for the account to ensure I understood things correctly and was told I would get the bonus. Now, they're saying I will not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX was the dates. Hours between XXXXXXXX XXXX. Phone calls was made to creditors and 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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage loan was slod to Specialized Loan Servicing around XX/XX/XXXX by XXXX XXXX Bank. Since than I have asking for records and filed dispute in writing and on the phone. I have also file complain with Attorney General of XXXX. I have also field complaint with CFPB as well. 
On XX/XX/XXXX I received notice dated XX/XX/XXXX, I received notice from XXXX XXXX XXXX XXXX whose address XXXX XXXX, TX XXXX, XXXX XXXX. Phone number XXXX. I have been informed my mortgage loan has been sold them and I have until XX/XX/XXXX to respond. 

On XX/XX/XXXX I received notice dated XXXX XXXX, XXXX from Specialized Loan Servicing whose address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. Notice states my multiple and multiple requests to provide records since XX/XX/XXXX need extra time. I am informed in this notice I should get response soon. 

Again on XX/XX/XXXX I received second notice for demand payment, workout solution and so on. 

XXXX XXXX XXXX has not resolved any disputes material of facts since XX/XX/XXXX. Unlimited amount of email and letters sent with many phone calls. I have not been provided information. Now loan has been sold and I must work with XXXX or XXXX different entities. I can work with many entities in less 6 months time and is the owner of the account I do not know this. 

Who to file dispute I do not know? 
Who asked records I do not know? 
Who to makes payments etc., I do not know?

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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I got a XXXXXXXX XXXX loan back in XXXX I paid XXXX back in XXXX than they later took my whole check which was XXXX dollars. This loan has been on my credit since XXXX we are now past XXXX years of that loan and it still on my credit report. I paid XXXX times what the loan amount was and it is too old for it to still be on my credit report. I have filed XXXX disputes which they have verified information I provided is true and correct with XXXX but it is still on my credit report. Can this please be removed as it is too old to still be in there and I have paid more than XXXX times the loan I originally got back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Issue with Nelnet : I an currently three months AHEAD on payments and have submitted several additional PRINCIPAL ONLY payments. The payment slips from Nelnet are written as PRINCIPAL ONLY and PRINCIPAL ONLY is also indicated on the checks. A payment of {$500.00} on XX/XX/XXXX was credited properly as principal only. Payments on XXXX {$500.00}, XX/XX/XXXX - {$1000.00} and XX/XX/XXXX - {$500.00} were credited as partial principal and partial interest. Nelnet was contacted and I was told that all payments are split in this manner. I responded that I made additional payments in order to decrease the time and amount of my loan and was told by federal law I was not permitted to do so. That they calculated my loan to run to its expiration date. When I questioned what would occur if I paid the entire balance, I was told I would still owe all the interest. When I informed them that under both federal and New York State law I could pay principal down in order to decrease the amount of interest and the lenght of my loan I was told that I could not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
We have lived at our current address for XXXX years- We owned our house- XXXX and XXXX in XXXX XXXX XXXX mortgage. We have XXXX XXXX phones for let 's say over XXXX years. 
I never had a XXXX  XXXX XXXX XXXX did my wife open up an account in XXXX XXXX  XXXX XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for XXXX years and I have XXXX years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my XXXX says that XXXX is the victim!!!!

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 2022-03-16 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: CA

Complaint narrative:
We have lived at our current address for 27 years- We owned our house- Free and Clear in XXXX XXXX No mortgage. We have XXXX Cell phones for let 's say over 10 years. 
I never had a XXXX USA phone nor did my wife open up an account in XXXX XXXX  with XXXX. 
The above we are willing to swear under the penalties of perjury. 

My XXXX has served in the XXXX XXXX for 30 years and I have 22 years in the XXXX. We pay out just debts on time and in full. I am the victim here .... Well, my husband says that XXXX is the victim!!!!

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 2022-03-16 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: PA

Complaint narrative:
The consumer reporting agencies ( Transunion, XXXX and XXXX ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR TRANSUNION, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXXXXXX XXXX  XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : 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 2022-03-16 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:
The consumer reporting agencies ( XXXX, XXXX and Equifax ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EQUIFAX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXXXXXX XXXX  ACCT # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: LEXISNEXIS
State: GA

Complaint narrative:
This is not an error and I'm writing this complaint on my own behalf. On XX/XX/21 I sent dispute letter to Lexis Nexis regarding some incorrect information being reported on my consumer report. I have proof of receipt attached below. Guess what To this date I have NOT received any response to my complaint and as a Military Veteran who fought for my country to have to continuously fight for what in right in my OWN country is adsurd!!! This is not only adding to my XXXX I suffer from but also keeping me from being able to refinance my home. This is too got XXXX XXXXXXXX for something that should not even be an issue there is no reason that a company should not respond!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting thiXXXX XXXX XXXX n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: PA

Complaint narrative:
This is XXXX XXXX this is not a 3rd party I am submitting this complaint myself all documents and identification is in attachments. Please see attachments for what happened with my Situation.

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