vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have got to XXXX kidding me?! I am complaining about Experian yet again! This is ABSOLUTELY RIDICULOUS!! I just complained a couple of weeks ago about my BK which Experian finally removed after maliciously trying to ruin my credit even further by trying to extend it an extra three years for no reason. So now they ( you Experian ) retaliated against me for complaining about you. You removed my BK finally but now in removing my BK you dropped my credit score by 30 points from XXXX to XXXX after removing my BK? So explain to me how that make sense? You removed a major negative item from my credit report and you drop my score 30 points for that? If you ask me that sounds like retaliation against me for complaining about you. Why would one 's score drop 30 points for having a major negative removed? Hello Federal Government, do you not see a pattern of wrong doing here? There is no reason whatsoever why my score should drop 30 points after having a major negative item removed from a report. If anything my score should have went up 30 points, I mean really!! Again maliciously, knowingly and willfully ruining my credit once again! I can't even believe I am having to complain once again. I am so tired of this fraud of a credit reporting bureau it makes me sick you just purposely try to ruin people lives. Sure I've missed some payments lately but I've been unemployed for over three month 's now and that would be the reason for that. It's like kicking someone when there down by what you have done by dropping my score 30 points as you have for removing a major negative item. So now because of what you've done ( Experian ) I have been turned down to rent an apartment for XXXX and now I may be living on the streets come the new year. THANK YOU EXPERIAN!! Federal Government please take action against Experian, that is not okay to do what they are doing to everyday folks like myself. I now can not move and maybe homeless. This is an OUTRAGE AND TARVESITY what you credit bureaus are allowed to get away with! So frustrated!! I can't even believe this!!

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 2018-12-23 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: IL

Complaint narrative:
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to XXXX  disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to Equifax disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans  aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later.  Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: IL

Complaint narrative:
On XX/XX/XXXX ( Time XXXX XXXX ). I XXXX XXXX, submitted an on line dispute to XXXX disputing XXXX  XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. Equifax, XXXX, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ). 

They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Globe Acceptance, Inc.
State: IA

Complaint narrative:
I obtained a loan from XXXX XXXX for a car I could not afford. I purchase another CAR FOR 25 % Intrest an pay over XXXX per month. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting inaccurate information ; a derogatory account is reporting in the amount of {$1200.00}. They have failed to provide me with me with validation that this account belongs to me. I have made several requests for this information. If the information can not be validated it must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX. Sued me for a past debt they purchased from XXXX XXXX. Before the suit I received a letter to dispute the debt. I did wright a letter but never heard back from them. I defaulted on the suit and called MIDLAND and agreed to a lump sum pay off and requested a letter I paid it off. I received a letter saying they agreed to accept the lump sum on or before the date the letter was written, I paid the amount they asked and never received anything after this. Seven months latter they sued me again for the same account I paid them off for this time a larger sum of money. I called them and they said if I paid it already to disregard the summons to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had over draw protection XXXXautomatic payments come out, I call the bank to get a loan, they decline me over the phone XXXX to fix my acount, decline. I was in a car accedent XX/XX/17. Went in for XXXX My acount got over drawing, no help from the bank over draw fees over XXXX last year alone and closed my last week, now no way to pay my bills XXXX default services XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXXoh XXXX XXXX oh 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 2018-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX unknown inquiring on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
Card has been on a " security hold '' for no apparent reason and without notice to myself since XX/XX/18. Customer service will not, or can not take any action including payment, closure or resolution until I speak with their security department. I have made 3 attempts to contact the security department via phone and was placed on hold without answer for a total of 5 hours over the past week ( last call was XX/XX/18 ). They have refused to close the account, and I have no means of contacting them other than the phone, which they do not answer. HSBC has had a high volume of similar complaints on various consumer sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: GA

Complaint narrative:
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, TransUnion, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.

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 2018-12-23 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: GA

Complaint narrative:
Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, XXXX, & Experian are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.

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 2018-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation
State: CA

Complaint narrative:
Several months ago, I was a victim of identity theft. Someone opened, and attempted to open, a number of accounts in my name, and made charges on some of them. Despite the inconvenience, I was quickly able to clear this up with the several financial institutions involved. All were sympathetic, extremely helpful, and professional in reviewing their own records to verify the facts. All except one... 

Apparently, someone either opened an account or made some sort of charge in my name with XXXX XXXX. The amount was {$6.00}. I never got a bill from the retailer. I do not have an account with them. I have no paperwork whatsoever regarding this charge. I don't know what is was for, when it happened, etc. But I started getting calls and correspondence from XXXX XXXX XXXX. One of the things they sent me said I could go on their web site and report that this was an incident of identity theft. I did so. But I still continue to get phone calls, sometimes several a week, from them. Sometimes, they hang up the phone as soon as I answer it. On other occasions, I have spoken with their representatives and explained the situation. Just today, I got a call. The woman said I had to provide some written documentation " proving '' my case. I asked how one provides documentation about a transaction one had nothing to do with, and has no information about. The time before, I asked the man who called to send me anything in writing they had that supported their claim that I was, in fact, responsible for this charge. He said he would look into it, but never got back to me. 

If they would show me any evidentiary details of the charge, there is a good chance that I could, in fact, demonstrate that it was not me. But I suspect they have nothing, other than some entry in their computers ; so they prefer to try to put the onus on me to prove a negative. 

I am sick of this. If I weren't so stubborn, I would just pay the {$6.00} to stop the harassment. But it has become a matter of principle. 

I would appreciate your help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$910.00}. *Please note this account has been removed from my XXXX credit file* I challenge the accuracy, compliance and reportability of this listing. 
XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have recently been informed that there is negative information reported by Portfolio Recovery. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$780.00}. This account was removed previously from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) I I challenge the accuracy, compliance and reportability of this listing. Portfolio Recovery has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation