vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: KS

Complaint narrative:
I am attempting to get a new loan from a different company and need information from Select Portfolio Servicing ( SPS ). I have talked to the agent, ( not my representative ), the loan officer from the new bank has spoken with them, and we have collectively spoken with them in regards to needing a simple statement that I was not more that 46 days late on a payment, a statement that can clearly see and have made on recorded lines several times since Thursday, XX/XX/XXXX. 
In response, they have posted the same 2 letters ( attached ) to my portfolio which is their way of emailing me ; one is the general correspondence letter ( form letter ) stating they received a request for information, and the second is my pay transaction history. We have had both of these documents for quite some time. They will state that I was no more that 46 days late on the recorded line but will not send it in writing. This has caused me to lose the purchase of a house. 

Furthermore, I receive a monthly statement saying I owe {$410.00} monthly for my mortgage, I have been paying that amount twice a month since XX/XX/2023. They are not treating the second payment as a full mortgage payment but as a second half monthly payment, even though my monthly payment is only 1 payment of {$410.00}. I actually pay them {$420.00} every 2 weeks. 

This company has totally ruined my ability to purchase a new home, somehow is allowed to collect more than I owe, and is refusing to effectively communicate ( in writing ) my contract ( s ) with them. When we ask what our monthly statement is, they say {$410.00}, which is less than what we are paying now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IA

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: CA

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 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: CA

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION
State: IA

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Primary Complaint : After more than two months, Rocket Mortgage ( RM ) is continuing to hold and not reimburse our Escrow account overage, last calculated in our XXXX Escrow analysis. We purchased our new home in XXXX. At that time, annual XXXX XXXX taxes were were projected to be {$8300.00} annually. Annual county taxes, [ paid in arears ] due in XXXX, were paid in XXXX at {$2800.00}. A check for overage in the amount of {$5400.00} was sent to us on XXXX. An annual Escrow analysis was performed on XXXX, showing projected annual county taxes unchanged at {$8300.00}. In a phone call to RM on XXXX, we were promised an updated Escrow analysis by XXXX. The updated Escrow analysis was finally performed on XXXX, showing projected annual county taxes at {$80.00}, and an overage amount of {$2800.00} on the effective date of this analysis, XXXX. This significant reduction in county taxes resulted in our documented qualification for a SC disability-based tax exemption. However, multiple phone calls to RM on XXXX, XXXX, and XXXX, including speaking with an executive supervisor, have resulted in only responses of " we are researching this and will get back to you in a week ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This complaint is related to complaint ID XXXX, which alleged that TIAA / XXXX XXXX overcharged interest during the period XXXX XXXX to present. By letter dated XX/XX/XXXX, included in the prior complaint, TIAA / XXXX XXXX corrected the rate for the period XXXX XXXX XXXX, but misrepresented the overage which ranged from 2.250 % to as high as 6.875 % during the relevant period and even more troubling, miscalculated payments due on the HELOC segment and failed to apply principal payments on the primary mortgage balance. As a result, after paying {$6800.00} on XX/XX/XXXX, our total loan balance INCREASED from {>= $1,000,000} to {>= $1,000,000} between statements dated XX/XX/XXXX and XX/XX/XXXX. Both statements are attached to this complaint. You will note that the statements are inconsistent in several additional respects, in that the previous balance on the XX/XX/XXXX statement in the amount of {>= $1,000,000} does not match the current balance of {>= $1,000,000} on the XX/XX/XXXX statement. You will also note that the current balance summary on the XXXX XXXX statement does not match the calculated balance on the very same statement in the amount of {>= $1,000,000}. In addition, after purporting to remedy the situation and locking the interest rate at 2.250 % on the HELOC through XX/XX/XXXX, XXXX issued two more notices of rate increase, dated XX/XX/XXXX ( the very same date of its letter locking the rate ) and again on XX/XX/XXXX. As of today 's date, XX/XX/XXXX, we have not received a statement for XX/XX/XXXX. 

It is unclear whether these errors and irregularities in the basic calculation of mortgage loan balances are due to fraud or recklessness, or utter incompetence of TIAA XXXX XXXX XXXX staff. They do not appear to have the basic skills or training to properly manage client accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Improper use of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: U.S. BANCORP
State: VA

Complaint narrative:
There is a fradulent account on my credit report showing closed and in collections/charge-off titled ELANCO FINL SVC reported XXXX XX/XX/2023. I have never done business with them and have stayed up to date on all of my accounts. I have attempted to file disputes with XXXX to no avail. I have attempted to contact the company with no response. I need this corrected immediately as I have a government security clearance and this count effect my career. Please have this removed immediatly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services
State: IA

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Between XX/XX/2022, through XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX  which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
sent a notice to rescind the contract on XX/XX/2023 and it also came with a cease and desist. The contract 's full disclosure was not given to me and the contract was made fraudulent by the car dealership. I did not receive any notice saying that my car will be repossessed and my car was stolen from private property on XX/XX/2023. The bank is acting like they gave me the loan but was only the intermediary of the secured transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have received numerous letters from XXXX at Wells Fargo Auto Finance. She states the same, ridiculous thing in each letter. 'Wells Fargo gave XXXX XXXX XXXX the money ', this is true and a very stupid thing to do. When I got my XXXX XXXX from XXXX XXXX XXXX, I had to bring in proof of income, which was 3-6 months of Bank Statements to show I indeed have the means to pay on the loan. 

Wells Fargo Auto Finance failed to do this, so it`s Wells Fargo Auto Finance who made the huge mistake. I've also attached my Award Letter from SSA showing I`m XXXX, this is a Federal Letter from SSA . It doesn`t matter what amount was written down on the sales papers from XXXX XXXX XXXX . Proof of Income has to be attached before any loan of this amount should be given out. 

I suggest that Wells Fargo Auto Finance start looking at my Legal, Federal Documents that I have attached over and over again. This also need to be put through the ADA, and I have been denied the paperwork to fill out to show that I am, indeed XXXX  and live on a fixed income. I just got my Section 8 Voucher for Low Income people, so I have to move to an apartment that takes Section 8, I can barely afford to live here, and pay on this ridiculous loan that should never have been issued to a car dealership. 

I`m getting tired of stating the same thing over and over again, which all happens to be the truth. Wells Fargo had better do something else rather than send me the same stupid information. If this continues, I may have to seek legal assistance and I`m also entitled to a free of charge as I`m way under the poverty level. this vehicle can not be refinanced, and I can not do a trade in as the vehicle was never worth close to {$28000.00}. Wells Fargo Auto Finance should have asked for proper financial documentation, they didn`t need to be there as they have mentioned in one letter to me. 

Wells Fargo Auto Finance also should have known better, and looked at the XXXX XXXX XXXX Value of this vehicle, I don`t believe they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IA

Complaint narrative:
My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hillcrest Davidson & Associates
State: IA

Complaint narrative:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IA

Complaint narrative:
My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
In XXXX I purchased the vehicle and was told if I did not have motor vehicle insurance then it would get included with my contract and my payment will be an extra {$160.00} a month for my insurance. Both parties signed the document and every payment I made included my car insurance payment. I received a notice from the motor vehicle division of Arizona in XXXX saying I had 15 days to provide insurance on my vehicle. XXXX gon na get my registration suspended. I called my finance company who I make my car payment and my insurance payment to, and they stated that they are not covering my vehicle for full coverage and I still have to provide my own insurance even though my contract shows they are supposed to be providing insurance for my vehicle since its included with my payment, theyre not wanting to give me any credit back for any of the insurance payments that Ive made to them even though they have no insurance coverage on my vehicle my registration is suspended because there is no coverage that has been placed on that vehicle I can not drive to get my kids to or from school Because every two weeks this company still wants that payment for that insurance and I am unable to provide my own paying for an invisible insurance coverage. Please help!! I am a single mother of XXXX XXXX XXXX XXXX who is barely financially making it. The vehicle I had before was very old and all the repairs I just couldnt afford to keep up any longer and so for my childrens XXXX XXXX, such as XXXX XXXX and XXXX XXXX. I need a vehicle to get them to their appointment so I had to go get a vehicle where I could And I am now regretting this decision. I didnt choose this finance company. It was chosen for me by the car dealership, reading their reviews I would never chose this company. Their customer service is very unprofessional in every manner. Please please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: MOHELA
State: NJ

Complaint narrative:
I noticed a Mohela Department of ED on my Credit Report in which I am not familiar with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation