vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this 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 XXXX XXXX over XXXX has me at a score around XXXX. 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 transunion 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 XXXX 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.with no help.

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 2022-09-16 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: NC

Complaint narrative:
On XX/XX/2022 Experian Credit Bureau decreased my credit score from XXXX down to XXXX for NO REASON! As of XX/XX/2022 my score was XXXX then Experian produced another report on XX/XX/2022 on which they dropped my score XXXX points down to XXXX. There is absolutely NO DIFFERENCE between the 2 reports EXCEPT the score. I have not applied for ANY new credit, nor have I made any new late payments. When I called and spoke to an Experian agent, she lied and told me that Experian has no control over consumer credit scores- that they just report what consumers ' creditors report to them. Utter nonsense! She also told me that I should " Consult a financial professional in regards to why my score decreased ''. Unbelieveable! I have attached copies of both XXXX credit reports as proof that Experian is illegally decreasing consumers ' credit scores in order to make higher profits from selling our information to lenders.

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 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX, a consumer and natural person, was denied credit by American Express when I applied for a Credit increase of {$90000.00} on Account Ending : XXXX and received an email stating my credit limit has been reduced to {$7800.00}. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

American Express is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was XXXX  against by American Express due to the response I received. American Express is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued and was reduced. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. 

If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ). 

Thank you, XXXX : XXXX / [ XXXX/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I've requested a loan amortization schedule from SPS Loan Servicing. During Covid-19, my loan was modified and converted from a conventional mortgage into a balloon mortgage. I've requested clarification as to how the balloon payment works with respect to the current principal & interest payments ( P & I ) over the remaining term of the loan. 

As of XXXXXXXX XXXX  : Interest bearing principal balance : {$310000.00} Monthly P & I is {$1400.00} ( {$1200.00} interest and {$270.00} principal ) I need clarification as why the interest amount being charged and collected each month includes the balloon payment or deferred principal of {$250000.00}? 

SPS Loan Servicing is unwilling to provide a copy of the loan amortization schedule or any discussion whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently viewed my credit report and noticed a XXXX XXXX Bank Self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Premier Auto Credit
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I applied for a refinance of my existing mortgage through PHH on XX/XX/2022. I was conditionally approved during the application process after my credit evaluation and income verification. I was then told by my loan processor XXXX XXXX that I needed an appraisal for my home at my expense. I paid appx {$580.00}. My loan app proceeded to underwriting in which they sent me over a list of conditions. I submitted all the required documentation. A week went past and o didn't hear anything so I reached out to my loan coordinator XXXX. She told me that my loan was being sent back because I didn't have enough income to support the loan. I told her that I was already approved to refinance with cash out after I submitted my paystubs and w2 's. She said well they must have over looked something. You will be contacted in 24-48 hours with a decision. I waited 48 hours before I called XXXX to check on the status. She never returned my call however she sent an adverse action letter to my email. I emailed her in reference to the denial notification and she said she thought my income was good she doesn't know why the loan was denied. I felt this was very unprofessional and unethical of PHH to have me go through the process only to deny me after they pulled my credit which dropped my points by XXXX. Also caused me financial hardship by paying for an appraisal that I'm not going to get reimbursed. In addition to the mental and physical stress this has caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this 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.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I've been having very frequent card decline errors using my debit card when there's more than sufficient funds. Often I get a text fraud alert and I enter the required information ( press XXXX  ) to release the fraud block. This doesn't normally resolve the problem and I don't get to release the card without a lengthy call with Citibank. This is happening way too often and makes it nearly impossible to use my card in a store knowing there's little confidence a transaction gets processed. I've called and pleaded with Citibank several times to help resolve and despite telling me they're escalating the problem was never resolved. This includes telling me there's an issue with my card and issue me a new one. This never resolved the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a claim on XX/XX/2022 {$310.00} Someone has been doing on my card since XXXX and I did another claim on XX/XX/2022 {$3000.00} The told me I received the money to my account and that's not true.I send in my bank statement for the of XXXX and a police report I didn't receive the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Finance XXXX continues to call even after I have informed her we are going through XXXX XXXX XXXX She called my work today and I asked again for her not to call me at work and she said she will continue to call until I pay this debt and she hung up on me. 

Western Finance XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: Global Lending Services LLC
State: VA

Complaint narrative:
My problem is with XXXX I have disputed two Company Credit acceptance they put false information on my report and the other one is Globe Lending I have written a letter on the disputed both because I call credit acceptance XX/XX/2022 and talk with them and the ss number was XXXX on the account my last XXXX is XXXX and I was told I had co sign for a XXXX XXXX and I do not know this person at all and XXXX all all number on there report and my XXXX XXXX have not change in months and I do not know why some of my creditor has been reporting to them and they are not on my credit at all and I have ask XXXX to investigate several time over the years and nothing was do with this problem and on XX/XX/2022 I report Credit acceptance and they was reporting late for and they took down all but one and they both using false information to destroy my credit please help me with this matter I have written the credit bureau with the issue and my score has not changes in months XXXX I call them this month and by me calling XXXX points yesterday XXXX points the credit is not doing there job I am a consumer that pays her bills on time each month but the scores never changes on Exquifax or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: FL

Complaint narrative:
My loan was conditionally approved and was supposed to close today so. I was informed yesterday that my closing wasn't going to happen, because I needed a new one 12 month mortgage history. My mortgage is reporting on my credit report, they have a fantastic day credit supplement showing current, they also have a letter from my mortgage company stating I've not been late on the mortgage. The payoff shows that the payment due is for XXXX. With an XXXX Accept, FHA does not require a credit card payment history. I know this to be a fact as I am also an underwriter. I have have provided all documentation required of me even while recovering from XXXX XXXX. This is very upsetting that after all this they are finding baseless reasons to not close my loan. As they have not provided any valid reasons based on agencies guidelines. The only reason I see for not closing my loan at this point is the fact that I am XXXX. There's no other valid explanation. I am also attaching a copy of the original loan approval that did not require a mortgage history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MN

Complaint narrative:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has claimed to have verified this public record/bankruptcy via XXXX. I have contacted XXXX concerning this bankruptcy and it has been removed from my XXXX consumer report, so how is this bankruptcy being verified at this point? The following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are addresses that came from this identity theft and I have never been associated with these addresses.

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 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
- I refinanced my XXXXMohela loan with XXXX/Mohela in XXXX for a lower interest rate. I submitted all paperwork and continued to make monthly payments. 
- Once the refinance was complete, I continued to send in payments on the XXXX and XXXX of each month to satisfy the amount due. I have been doing this since I began working with Mohela. You can look through all past payments and I have never been late. 
- The due date was changed when the loan was refinanced. Because I was making monthly payments in the same month they were due, I did not see this as a problem. 
- I noticed an amount due that was growing even though I had been paying on time. 
- I called XXXX Mohela and they explained that since my bill had not been issued for the month yet, the payments I was making on the first of the month did not count for that month 's balance due. 
- This was especially problematic because I often make my largest payment on the first. 
- The month of XXXX now required a $ XXXX payment. I was not able to make a full payment until the end of the month as I needed both paychecks to cover the bill. I arranged for payment through my bank on XX/XX/XXXX. 
- THIS DELINQUINCY WAS CAUSED BY THEIR OWN BILLING METHODS. 
- On XX/XX/XXXX the account was reported delinquent to credit agencies, even though the full payment had posted. 
- On XX/XX/XXXX the account was reported again as delinquent even though the account was in good standing. 
- I have not received a call back on this as promised and could not even be transferred to a supervisor today ( XX/XX/2022 ) When I originally called, I was told that there would not be any reporting to the credit agencies, which obviously is not true. I want the negative reports made to the credit agencies removed. This has brought my credit score down significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: GA

Complaint narrative:
I recently viewed my credit report and noticed a XXXX XXXXXXXX XXXX self account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt do not belong to me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.

Company response to consumer: Closed with explanation