vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
Prestige Financial scammed me. I had a 7 year pay out on my car. I'm going on 8 years and they are still saying I own XXXX today on this car. I have paid all additional fees and they're still XXXX money out of me. I called several times and they don't listen. Rude as ever. They would call, text, and email me at the same time. They have threaten me. I have return check fees I never authorize. Late fees when my payments are on time. This company has scammed me like crazy. I really need legal help. They make up bogus lies. I have paid close to XXXX on a XXXX car. They will not send me my title for a car I've paid off already. It needs to be a class action lawsuit filed against them. The only reason I keep paying is because my credit will go bad if I don't. Please help. I have been living in XXXX for 8 years. My bills get behind because this place is adding more interest in fees by the day. I'm not even suppose to have interest anymore my pay out was paid 7 years ago. It's year 8. When I tell the customer reps, it's wrong how they are doing me, they say well if your credit wasn't bad at the time you would have a better loan. This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  are fraudlent not protesting and allowing fraud report on my credit father with children single and My credit suppose to be good they got me under fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc.
State: CA

Complaint narrative:
I started receiving calls from a number I did not recognize, so I blocked them. They left 1 message, but it was very difficult to understand, so I deleted it. Then I just received a letter from USI Solutions , Inc. stating that I owe {$3900.00}. The date on the letter is XX/XX/XXXX. I took care of some debt I had years ago. I used XXXX XXXX XXXX to help me pay down my debt. It was paid in full back in XXXX. I haven't had any debt since. I don't even have any credit cards. After reading consumer complaints, I realized this could be a scam. I want to know what I can do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

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 2019-06-19 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Company attempted to send a billing statement in the mail to validate debt. Company is using stall tactics because it cant provide a signed legal document with my name. Company continues to provide inaccurate information to credit bureaus. Reporting non validated information to the credit bureaus is also defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE Account Number XXXX ACCT CLOSED XX/XX/2016 I have tried numerous times to have Capital One and the credit bureaus ( XXXX, XXXX, XXXX ) to  remove this account that has been negatively affecting my credit rating. I have paid that debt with Capital One and need it to be removed immidately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. I plan to also submit a complaint to the attorney general for the state of Texas. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.

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 2019-06-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
My first contact with this company was when my mother called me upset that she had received phone calls from someone threatening her, telling her I used her name as a reference with a payday loan from years ago and that I did not pay it and that they are trying to locate her. they gave her all of my information in an attempt to get her to talk to them, as she believed it was a scam. She called me very upset and told me about the phone call. around the same time, I received a call from a blocked number from a person who identified herself as a Mrs . XXXX and left no company name. The message stated she had received a location processing order through XXXX County to locate me at my home or place of employment. The Message gave my date of birth as well ( which is personal identifying information I was not aware a company could leave on a voicemail ). The voicemail threatened legal action and listed a " case number '' if I did not respond to the " complainant ''. I called back the phone number that was listed and the person was very aggressive with me. when I mentioned the information that can be disclosed to third parties and the tactics that can be used per the fair debt collection practices act, the lady at extension XXXX screamed at me and said I am going to court and hung up on me. I called back and spoke with someone else and they confirmed that the Mrs . XXXX that called me earlier pretending to be from XXXX county did in fact work there. they would not answer any of my questions and said I should get papers in the mail. I found out only through calling the number provided XXXX-XXXX-XXXX Ext XXXX that the company name is XXXX. I have been screamed at, threatened and intimidated into paying a debt I have yet to be able to get any information on. I have received nothing in the mail so far and my family members have been contacted with my personal information. Please help me stop this illegal and threatening collection against me.

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 2019-06-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I reported to XXXX XXXX  on XX/XX/XXXXthat they were reporting my account as Past due for XX/XX/2019 and XX/XX/2019. My payment is current and should reflect that on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have sent letters and disputed this information several times with XXXX  and they haven't been able to physically provide me with copies of my requests. All I have gotten is a message stating it was verified. This is in regards to a collections account with SUNRISE CREDIT SERVICES 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
9. Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was serviced by XXXX XXXX and it was recently moved to Specialized Loan Servicing. I have had nothing but trouble with the new loan service. I want to make my XXXX payment but they have not applied the money that was sent to them on XX/XX/19 by Save your home California. I have sent a number of emails and have spent hours on the phone with them requesting that they apply the payment so I can make the XXXX payment. In addition even though they are supposed to pay for my Hazard Insurance and Property Taxes they  claim I do not have Hazard Insurance. I am trying to verify that they are paying my property tax. I do not trust this company at all and I am very upset that I am forced to deal with them. Any assistance you could supply would be great.

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 2019-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
First let me start with my mortgage went from XXXX XXXX, to XXXX ( and they ended up in big trouble with the government ) then they rebranded to XXXX XXXX ( and they ended up in trouble with the government ) now my mortgage is going to select portfolio servicing Inc. ( I have a paper that says my mortgage with not sold to them that XXXX XXXX is still the original lien holder ) I have massive outstanding student loans my pay is already garnished for repayment, I started to do a loan modification with XXXX XXXX, before that could be finished my mortgage went to select portfolio servicing, I had to restart my mortgage modification with SPS, I filled out all of the paperwork correctly I sent them all of the documents that they wanted, and then the XXXX started, they couldnt read bank statement, so I resent them, then they said that I forgot to fill out a question on the original application, but on my copy I have here I filled it out, then They lost my W-2 tax forms, Then there was a little box that I didnt check off on one of the forms, then they couldnt read the bank statements again, then they couldnt read the W-2s I had to resend, this went on for 10 months, And finally I got a letter stating the only thing they could do to help me was add {$300.00} to my current so I wouldnt fall behind, that is the only option they have given me, when their website states they have several options to help people obtain their homeownership. This place is not out to help people they are out to hurt people and for them to lose my federal tax forms has got to be some kind of violation? Select portfolio servicing Inc. is not out to help the consumer they are out to  bury them, And DonT expect to get the truth from anyone at SPS, even the customer service person told me they will LIE and threaten people with foreclosure just to get you to just pay the mortgage, and dont care if you have a hardship, the lady XXXX XXXX I was dealing with lied to me on numerous occasions, and when I called her on those lies she told me I MISS UNDERSTOOD! 
Im very afraid that my complaint will provoke retribution from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XX/XX/2016, the case was dismissed and the rent is still with the City of XXXX. XXXX XXXX is aware the money is there. National Credit Systems is reporting to XXXX  that owe {$9000.00} which is not true. I have proven that no rent is owed and their attorney dismissed the case of me owing anything. 

National Credit Systems is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/19 I disputed the XXXX account and XXXX XXXX account that Transunion is reporting on my credit report. I disputed the account due to violations reporting. 

XXXX has a past due balance on a collection and XXXX XXXX has a past due balance as well. 

It is a violation for collection accounts to report past due balance. After Transunion completed their " investigation '' they did not make any changes. 

I want these accounts removed since Transunion has failed to report the accounts accurately after my numerous request for investigations to ensure this account is reporting 100 % legally and accurately.

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 2019-06-19 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: CA

Complaint narrative:
FOR THE PAST 3 MONTHS I HAVE BEEN REPORTING TO EQUIFAX THAT THERE IS A FRAUDULENT ITEM ON MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT AND THEY REFUSE TO HELP ME. I HAVE BEEN CALLING AND FAXING INFORMATION TO THEM, THE SAME FRAUDULENT ACCOUNT WAS REMOVED FROM THE OTHER 2 BUREAUS. I DON 'S UNDERSTAND WHY EQUIFAX IS NOT ABLE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened an account with a {$42000.00} check from a settlement two days ago. This morning the funds showed that the check cleared in my account. I paid two bills and got a message that my account was frozen and restricted. Chase informed me that without reason it was closing my account. They told me they would send a check when they clear it, which I dont now how long will take. I have an emergency and need to pay my bills today. If my money gets held up I would have to pay an addition {$3000.00} to cut my water bill back on for missing the payment. When I went into the branch to ask about it the lady was extremely rude and then called the police to have me escorted off the premises. Then she said she wanted to file a restraining order, when I was only trying to inquire about why my money was inaccessible for a undetermined amount of time. I want my money today and I want a full apology from the bank and the young lady that called the police on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX, I noticed that despite being signed up for online bill pay, my balance did not seem to be going down. I receive two emails from Bank of America, one notifying me of an upcoming payment and another email mid-month notifying me that a payment is due. I have been on auto-pay since XXXX. I logged into my account and was shocked to see that I had been charged {$38.00} dollars in late fees and had been for some time. Because I had signed up for paperless billing, I had not been notified in writing or email of any late payments or fees. In fact, in the only other email that the company sends to me on a monthly basis ( the first is notification of an upcoming bill ) it states in bold, '' No action is required if your payment has been scheduled. '' I contacted the company today to inquire about late fees. They let me know that since the payment was scheduled 1 day after the payment due date, I had been receiving late fees since XXXX, when a change was made to my autopay account. After spending 30 minutes on the phone I was able to get refunded 3 months of late fees but I have been overbilled a total of {$720.00}. I would like as close to the full amount refunded seeing that I have never been notified of any late fees and the only email notification I receive states in bold that no action is required. Please help me. I have made every payment ( with extra ) since 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 2019-06-19 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:
On XX/XX/19 and XX/XX/19, XXXX and XXXX ran unauthorized inquiries that are reflected on my TransUnion credit report. When I learned about such activity, I contacted TransUnion, XXXX and XXXX to report the fraud and request removal of the inappropriate entries on my credit report. 

On XX/XX/19, the XXXX and XXXX representatives confirmed that the inquiries were fraudulent. While XXXX claims to have escalated the matter internally for resolution, XXXX Office of the President said they do not have a similar process ; and instructed me to follow the procedures for reporting the fraud to TransUnion instead ( which I already attempted to do the prior day ). 

On XX/XX/19, I called TransUnions dispute department again. A supervisor said that the only ways to have the fraudulent inquiries removed from my credit report are : 1. to have XXXX and XXXX electronically initiate the deletion, 2. obtain a physical deletion letter from each, and 3. file a complaint [ here ] or obtain a police 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 2019-06-19 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: TX

Complaint narrative:
I was a victim of trans union inquiry issue These hard inquiries should be deleted from my trans union profile credit 1. XXXX XXXX XXXX. 

2. XXXX XXXX 3.XXXX/XXXX XXXX 4.XXXX/XXXX  -XXXX 5.XXXX  XXXX 6. XXXX of XXXX XXXX 7.XXXX  8. XXXX XXXX 9.XXXX  XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX  XXXX 13. XXXX XXXX 14.XXXX All  of these were taken off and then put back on with out me knowing. This violates section 611 of the Fair credit Act. 
There should have been a 5 day letter sent to me clearifing these inquiries

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