vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
I have recently been diagnosed with a XXXX. I can still work most of the time but at times it causes me to have to not work. Im taking cate of my XXXX XXXX XXXX mother with XXXX and her home. We became behind on our mortgage. I applied for assistance. Our company is SPS Servicing out of Utah. Our original payment was {$1400.00}. They approved us for a repayment plan instead of a modification since we had gotten one some time back. The payment they approved us for was {$2800.00}!! If I struggled with {$1400.00} how can I do {$2800.00}? So their letter says you have the right to appeal within 30 days. I called my relationship manager who said to go ahead and appeal. Never did she tell me, nor is it in the letter that if you appeal they will VOID the option you were approved for. So now Im looking at a foreclosure when all I was trying to do was get the payment a little lower. Can your help me? I have read so many negative articles about this company. We dont have good credit so I dont know if thats why we have to deal with 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 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX  XXXX  they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: SC

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name ( XXXX ) XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX ( XXXX ) and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit C that Transunion is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, ( XXXX ) XXXX, XXXX, never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts as well as ALL inquires. 

Accounts : XXXX/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX XXXX Bank Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/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 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Credit Education Services
State: GA

Complaint narrative:
I signed up myself, mother and my father back in XXXX of 2021. XXXX the agent who signed us up decided he to use the same credit card to pay his cell phone bill. Speaking with the agent he stated he worked for XXXX XXXX which he was terminated for using a customer credit card to pay his personal bill and was charge and arrested for credit card fraud/abuse. Mr. XXXX XXXX shouldn't be working with credit cards! Therefore I cancelled my services with the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 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: SC

Complaint narrative:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit D that Equifax is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, ( NESBITT ) ROBINSON, LASHONDA, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts : Accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously wrote to CFPB in reference to credit reporting. They made so made errors, they had me living in states I have never been in. Equifax is the worst. I wanted to temporarily unfreeze my credit report for a loan. They could not verify the information I gave them and would not unlock my report. I was reading the information from my online account. Which is outdated, items from 30+ years ago I could not remember for verification. Although I read the information from what was on line. They initially gave me a pin number, which they say they do not use anymore without telling the consumer. I gave them my address and social security number, etc and they could not verify me with that information. They also wanted me to send a photo of my drivers license, via my phone, which is absolutely insane, with so much info being tracked, etc. and scamming going on. Asking me about accounts that have been closed for 20 years. Nothing pertinent to verify my accounts in recent years. 
Spewing nonsense about how much did I pay a month, how many car loans, when was the last time I unfroze my account. Im not a computer, I either do not remember, and/or they have the wrong information that is not updated. I tried 3x and they would not unlock my freeze. Which has hurt my chances of getting a loan for a car, etc. To remember various account from years ago is ridiculous. They should go back and simplify their way of unfreezing your account, updating information and stop putting the REAL person through the ringer, like I am a criminal. Use more pertinent questions, and have people who understand the language better. I am livid and I am thinking about getting an attorney. I hope CFPB can help before I initiate that process. If they do this to me, they do and have done this to others. The first time I contacted CFPB was either XXXX. 
or XXXX 2021. Now it is XXXX 2021. Nothing has been accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/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 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
So the problem at hand can go into more then just hard to find and misleading print. But also mishandling of funds as well as refusal to take action. So I used XXXX through the hunington app to transfer money for the sale of a device of which one was payment and a little extra for shipping at exactly XXXX dollars then another two one for XXXX and another for XXXX all together for the item and XXXX XXXX XXXX absurd shipping prices. After this he refused to give me a tracking number and I never received the item or the money back. 

I admitted I was at fault for authorizing the transaction however it didnt transfer immediately and they refused or couldn't stop it from sending which should be a basic function by any service such as XXXX  with fraud protection. Yet they seem to do this to shift as much blame away from themselves to the individual or the bank and the bank will just argue there at fault and should help. This has led to two months of back and forth. They closed the case without notifying me until a week and a half plus later through mail. 

They dont do fraud protection and apparently dont have the ability to shut down scam accounts. Which I call the validity of as any money banking service should have more then the means and power to do so. As well as stopping transactions that haven't fully finished. This has left me with nothing but two months of frustration with no communication to me as I had to prompt it each time by calling in except for the slips in the mail for the three transactions and nothing being done about the multiple times they messed up and lied about timing or in general to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: MD

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
have received illegal post correspondence from HHRG regarding The Fair Debt Collection Practices Act 15USC 1692 states that the bill has the following listed violations.

15USC1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails 15USC1692D ( 2 ) language the natural consequence of which is to abuse the hearer or reader.

15USC1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges.

15USC1692F ( 7 ) Communicating with a consumer regarding a debt by post card.

15USC1692e ( 2 ) ( a ) the amount of any debt.

15USC1692b ( 2 ) not state that such consumer owes any debt HHRG has not responded to any correspondence since my first certified attempt on the collection of fines.

HHRG XXXXXXXX XXXX XXXX XXXXXXXX, OH 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 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I have recieved over 250 calls from this collector, but no debt validation letter, i was not given any types of notices prior to this collection being placed on my 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 2021-08-27 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: NY

Complaint narrative:
Equifax has violated me under 15 USC 6802, subsections and b, by sharing my non public information. Equifax has also violated 18 USC 242 under color of law for willfully and knowingly supplying inaccurate, unlawful, and private information which is depriving me of my right to extend credit as a consumer. Attach with this complaint is a copy of the affidavit I certified mailed Equifax detailing ALL their violations and they have not resolved the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I purchased my property in XXXX of XXXX. Through XXXX XXXX. I ha a first and second. I was denied at first and within about a day or two after the denial they sent another correspondence stating that I was approved. ( I still had my mortgage on the XXXX XXXX XXXX XXXX XXXX, Az ). I was shocked as I did not sell that property and had a mortgage on it and purchasing as a single individual. In XXXX the market fell apart. I tried to modify my loan and it took SPS ( Select Portfolio Services almost a year to complete my MOD ) Shortly after my arm came due and they set my interest at 7.5 % making py payments go from XXXX to XXXX. When my loan was modified I assumed that both first and second was modified. Once my modification and ARM was completed I was only paying one payment, ( XXXX.aprox. ) Until the pandemic. Last year I contacted SPS and advised them that I had not received any type of commission from XX/XX/XXXX to XX/XX/XXXX. I then started my modification with them and they just keep requesting more and more documents each time. I would submit my documents and they would ask for the same documents; stating that the time had expired. In the meantime I received a letter from XXXX XXXX stating that I had a second lien that I was not paying on. I tried working with them and received no response. Once I got to talk to someone, she advised me that it was not XXXX XXXX, that I should be talking to but to XXXX XXXX. I then contacted XXXX and told them I was corresponding with XXXX  and they did not care. They placed a Foreclosure date on my home. I called, I begged them to give me some time to research and work this out and again they transferred me to one person to the next. No help whatsoever The foreclosure date was then changed from the XXXX to the XXXX. I called and they stated to me that the property was reverted back to the bank. There was not a sale. Since then I have not received any correspondence from XXXX XXXX, XXXX XXXX until yesterday when I received a letter form XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, .XXXX XXXX XXXX XXXX Florida XXXX giving me 5 days from the date of the letter ( letter dated XX/XX/XXXX ) to vacate the premises. I have been looking for a rental for the past four weeks. Arizona 's demand for rentals is high so it is taking longer to find a home. I have a home filled with my belongings that I have accumulated for the past 40 years. 
How can I move in such short notice. They can have my home. It is a material possession. My well being is more important than a home. Houses come and go. I just need at least a month to find a place to live. It also takes money to move. My life will continue and I hope that just as I feel I can live with myself ; I hope that all the parties involve can say the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: CA

Complaint narrative:
This complaint is against Experian with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.

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 2021-08-27 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: CA

Complaint narrative:
This complaint is against XXXX  with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.

Company response to consumer: Closed with explanation