vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS provides no real source of assistance ; hiding behind the cookie cutter paper correspondence and assigned NAMED relationship managers YOU NEVER SPEAK TO? One hand doesn't know what the other is doing! Contradicting communication with less than through information has placed me in a dire situation. They referred legal action towards foreclosure after numerous dismissed attempts on my requests for relief? Poor communication allowed me to struggle and pay during a forebearance period I DIDNT KNOW ANYTHING about? Forbearance was stopped in XX/XX/2021 unbeknownst to me and created a balloon payment thus causing foreclosure proceedings! I never agreed nor did I know this was going on ; meanwhile I was asking for help ( deferred payments, rearages on loan, lower monthly payment, etc. ) SPS Relationship Manager ever contacted me about to discuss ; no email phone call or direct correspondence, nothing! The concern is I'm struggling for COVID relief and FOREBEARANCE as depicted under the cares act. The problem is SPS appears that they are in line with the CARES ACT procedures. However, the borrower is at stake caught in the middle in dire need to save their family home during a pandemic! Please be advised in addition to this complaint I have an abundance of email communications with my relationship manager and SPS the last 2 years. Requested documents were all sent in and weren't utilized? Yet in contradiction SPS was active with my loan during the same time? Currently, I contacted SPS and emailed them regarding leaving a message with my SPS RM to finally help me ; their protocol is 24-48hrs that was last Thursday? In contradiction SPS will send a letter reflecting about HOW I'M NOT DOING WHAT I'M SUPPOSE TO ( placing the borrower at fault, in a unjustified situation )? At this point, I've contacted your organization and a housing counselor in addition to assisting me cause you can't trust the lender with your loan even with the protection of the president morandum. Consumers need protection in addition to actual relief and assistance, we shouldn't have to PAY the price for incompetent services and no real help as the government intended. 

XXXX** ( Email screens shots are attached for your reference of my communications with my lender and the profound concerns while they continue going down another path with my loan! ) *****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-20 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: FL

Complaint narrative:
I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: FL

Complaint narrative:
I recently check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX  and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I filed a fraud claim back in XXXX of last year and I still have not received {$2700.00} dollars of my fraud claim of almost XXXX XXXX dollars. I filed these fraud charges together at one time, when I discovered it, to Bank of America, here in XXXX. XXXX Mo. I was refunded all the funds except {$2700.00}. It was all fraud, the entire claim. But I was told the reason why I did not receive the {$2700.00} dollars, was because some one working at the bank withdrew my claim, so I would not receive all my refund from my fraud case. I did not withdrew any part of this claim, but the employee working at the bank did it without my knowledge or consent. I would like to have all my fraud claim refunded. I sent in the police report regarding the matter. I want them to honor the whole fraud claim because I did not make these charges.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have had an ongoing issue with Wells Fargo. Just about every other time I use my debit card for transaction it declines. The place a fraud alert on your card. Then sometimes take hours to send a text for verification. This has caused me to have to file several disputes. Because once the transaction declines I almost always use another form of payment. Then once I get home to check my account the transaction has gone through anyway. This has become a huge issue for me and frustrating. I am on a fixed income and can not afford to have to wait to get credited money that shouldn't have been taken. I am currently dealing with an issue where a resort took a deposit on my card. I saw the money leave and never saw it returned. Wells Fargo claims that the hold was just released but refused to show me any record of this occurring. I spoke to a manager in their dispute department named XXXX. He told me that he can see it being and held and it being released. I asked XXXX for the date or some record of this occurring. He told me to go to a branch and sit down with a banker to work out this discrepancy. Why couldn't he simply give me a date? This is not a good business practice. I simply want a resolution. They are causing me a hardship because every week just about I have to dispute something.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXXs that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX XXXX and Transunion. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.

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 2021-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX Experian, and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.

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 2021-05-20 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: TX

Complaint narrative:
This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX XXXX notifying me of the court complaint. The judgment was filed XX/XX/XXXX, however, I was a legal resident of South Carolina at that time and never received any correspondence from either XXXX XXXX nor XXXX XXXX. The address referenced on all correspondence is an address from several months prior that was no longer in use. ***I have attached documentation to support the *first* mailed notice was **sent XXXX** ( the court docs uploaded even reflect the mail was UNDELIVERABLE** ) as well as a copy of the energy bill associated with the address I was living at as of XX/XX/XXXX and the notice to vacate the unit I was residing at, at that time reflecting XX/XX/XXXX. If you actually completed your due diligence and reviewed the documentation supplied - it would become apparent it is impossible for me to have resided in XXXX to receive the notice considering I was a legal resident of SC. I also attached a copy of my SC drivers license that clearly reflects an issue date of XX/XX/XXXX. It is therefore impossible for me to have received a notice delivered to the referenced address 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 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was suppose to be removed and still hasnt been removed on all credit bureaus as it is still showing on my credit report. Please see note below : On XX/XX/2021 XXXX received a notification from the credit bureaus stating this account was removed with control number 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 2021-05-20 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I never gave this company permission to request my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: LA

Complaint narrative:
I never gave this company permission to request my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have already attempted to contact XXXX XXXX, TransUnion, and XXXX about this account. 

1. Date opened is inaccurate. 

2. TransUnion did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

XXXX XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that TransUnion and XXXX  is allowing XXXX XXXX to commit.

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 2021-05-20 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already attempted to contact XXXX XXXX, XXXX and Equifax about this account. 

1. Date opened is inaccurate. 

2. XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

3. XXXX  did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate. 

4. XXXX XXXX is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last XXXX credit reports to show the FCRA violation that XXXX and Equifax is allowing XXXX XXXX to commit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. It's past 30 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report. I mailed a follow-up too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
Collection Receivable Inc keeps contacting me after i've sent them a cease and desist letter back in XX/XX/2020, and i've sent them a debt validation letter that they have yet to respond to. They are in violation of the FDCPA. Today i received a call from a lady from Collection Receivable Inc. She called me from XXXX. She was nasty to me and using profanity and making threats. Collection Receivable Inc is practicing unfair and unethical debt collection practices. They have ignored my cease and desist letter, and they have yet to validate the debt they claim i owe on account number # XXXX with a {$150.00} balance with a {$55.00} which makes it a total of {$210.00}. Below is the cease and desist letter i sent and the debt validation letter i sent. If Collection Receivable Inc does not stop calling me and remove the collection account from my credit report i will seek to file litigation against Collection Receivable Inc and seek monetary damages. see letters below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 Re : Account # XXXX To Whom It May Concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family, friends or my employer, in relation to this or any other alleged debts you claim I owe. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Attorney General of Georgia. Civil and criminal claims will also be pursued. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I entered into an installment agreement with American First Finance when I had work done on my vehicle at XXXX XXXX XXXX XXXX XXXX. The amount to be financed was {$2300.00}. The application, contracts, disclosures, etc. was filled out and signed online. I was approved and my payment amount was XXXX every 2 weeks. The interest rate was 90 days interest free and if the balance was not paid in the 90 day interest free period, the entire loan amount was subject to a 36 % interest rate. I set up the payment for autopay through my bank and have made 19 on time payments totaling {$2500.00}. I logged into my account on XX/XX/XXXX to check my balance and it was still {$2000.00}. I called and spoke with a gentleman regarding the balance and he informed me that because the balance wasn't paid in full before the 90 day interest free period I am being charged 137 % interest and I still have over 14 months or 28 more payments until the loan would be paid off. By an approximate calculation the total amount I am expected to pay is over {$6000.00} for a {$2300.00} loan at 36 % interest. It doesn't add up or make sense. I believe that this a predatory lending and unethical business practice. I am continuing to make on time payments as agreed until the situation is resolved.

Company response to consumer: Closed with monetary relief