vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: CA

Complaint narrative:
I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to  XXXX  reporting on my credit report. It is now  XXXX  2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.  XXXX  sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

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 2017-07-17 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:
I have repeatedly asked for an update to credit report with all  XXXX  credit bureaus in regards to   XXXX   reporting on my credit report. It is now   XXXX   2017 and the account is not reporting as " Included in bankruptcy '' This is an ongoing issue. I do not understand why I have  XXXX    XXXX    accounts reporting on my credit report anyhow. They are all the same account, I only had  XXXX  loan with them but because I refinanced with them for the same account they listed another account. The account was sent to collections after my bankruptcy was filed, However, the collections account removed item from my credit report, stating they did not have knowledge of my bankruptcy before the account was sent, their resolution was to remove it.   XXXX   sent my account to collections after I filed for bankruptcy, knowingly aware of the status yet they violated my rights nonetheless. This is very frustrating and regardless of the attempts with the credit bureaus and CFPB also investigating, I am not getting any results. I have several investigations into this matter filed and saved and will have to pursue a different avenue if the issue is not fixed.   XXXX   is in violation of the bankruptcy laws and no one seems to care. They reported my account late with a balance up until the past 2 months as " OPEN ''?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AL

Complaint narrative:
XXXX    XXXX , 2017  I wrote a letter to Equifax regarding an old credit report investigation. I recently realized that I had filed a dispute with Equifax back in  XXXX  and did not receive any information about the results of the investigation.
<P/>
I sent Equifax a letter outlining the things that I needed to be removed because they did not do their part and send me a copy of the investigation results at the time.
<P/>
While Equifax did send me an updated report -- they did not adhere to the guidelines of the FCRA which states if they do not respond within 30 days, they must remove the negative information.
<P/>
Equifax did not respond to me within the 30 days period back in  XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt has been in dispute, has not heard back from company. Debt has been deleted off of  XXXX  of my credit reports. Want them deleted off other  XXXX . They have not provided any information or proof that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
I was n't protected under the wage earner law as I should have been. My case numbers are   XXXX   &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is  XXXX . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the FBI went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a S-Corporation. The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   XXXX   XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-07-17 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: CA

Complaint narrative:
Equifax currently is reporting an account which is "   XXXX   '' or " Company unknown '' on my credit report as open and pays as agreed. This account belongs to "   XXXX   '' and it is included in bankruptcy and has been since  XXXX / XXXX /2013. However, the account says I am 120 days plus past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citicards took  my Citi Div idend dollars ( reward ) of  XXXX  USD ( this amount was told b y Citi Customer Support name d  XXXX   )  as o f  XX/XX/XXXX  awa y without any reminder or further notice. I think this is impropriet. I was never reminded or noticed for the disappearance of my citi reward dividend dollars. The customer support personal 's name is  XXXX , from Florida office ( team id :  XXXX  ). She told me that I should have learned it from the statement but they never sent me any statement. The rule was never clearly written to me. And I have checked the dividend reward dollar in early  XX/XX/XXXX  and it was there. They claimed that it was expired in   XX/XX/XXXX .  So it is definitely controversial of what they did and what they told me. I do n't trust  Citi  and I want my dividend reward back. Please help me. Thanks,

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 2017-07-17 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: CA

Complaint narrative:
Account listed under  XXXX  states I am paying as agreed. Account is included in bankruptcy with no negative balance prior.

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I was n't protected under the wage earner law as I should have been. My case numbers are  XXXX  &   XXXX  . My drivers license have been stolen, social security card stolen. All of my former employers have been changed without my knowledge. With all   XXXX    credit agencies. I learned from the FBI this is an inside job.   XXXX   XXXX   XXXX   XXXX   is my last employer, their ein number is   XXXX  . The company amended and restated all of my tax returns and made themselves my conservator. They was n't reporting my payroll correctly.   XXXX   XXXX   was n't reporting taxes on me. Someone within the company have my identification and is abusing it with the credit union. I was with the credit union before the hostile take over Of The company in  XXXX .   XXXX   XXXX   was directly involved with my personal information. She resigned when the  XXXX  went to the company and pulled my employee records in  XXXX . She stole my retirement pension in  XXXX . The company is a  XXXX . The   XXXX    Family is also abusing my identification. I had funds payroll deducted to pay my creditors every week until I was discharged. Money was being stolen from the courts.   XXXX   XXXX   posed as a paralegal with the   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 2017-07-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to Experian and  XXXX  . This personal data included a government issued ID, bank statement with current addresses.
 XX/XX/XXXX - I received a letter from Experian and  XXXX  stating that I need to send the same information that was sent in  XX/XX/XXXX in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply.
 XX/XX/XXXX - I resubmitted the same information to Experian and  XXXX  and received the same response in via a letter in XX/XX/XXXX .
This has been an ongoing battle to with these   XXXX   credit bureaus to accurately update my personal information and no such luck.

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 2017-07-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to  XXXX  and Equifax . This personal data included a government issued ID, bank statement with current addresses. XX/XX/XXXX - I received a letter from  XXXX  and Equifax stating that I need to send the same information that was sent in  XX/XX/XXXX  in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply. XX/XX/XXXX - I resubmitted the same information to   XXXX   and Equifax and received the same response in via a letter in  XX/XX/XXXX .
This has been an ongoing battle to with these  XXXX  credit bureaus to accurately update my personal information and no such luck.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX - Received phone call from NCC Business that I owed an outstanding balance on an account upon moving out of apartment complex  XX/XX/XXXX - I stated that the balance was indeed paid however there was an incorrect fee of {$100.00} charged from the apartment complex. When asked for clarity, the collection agency stated that the apartment complex records showed that I did not have renters insurance and therefore charged me a fee of {$100.00} for not being compliant.
 XX/XX/XXXX - After several conversations with NCC Business , I submitted via email a copy of my insurance agreement that showed that I was in compliance while residing at the complex to   XXXX   XXXX   of NCC business. I never heard back from NCC and when I pulled my credit report in  XX/XX/XXXX , I noticed that this item was listed.
 XX/XX/XXXX  I submitted a dispute via a  XXXX  &  XXXX  and it was not removed.
 XX/XX/XXXX  I submitted a letter disputing this item on my credit report and received a letter from  XXXX  of the credit bureaus that this is a verified item on my credit report. I submitted the email and attachments indicating that this item needs to be remove but no such luck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AL

Complaint narrative:
XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

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 2017-07-17 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: AL

Complaint narrative:
XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX   has reported that I have a store credit card with them and it just hit my credit reports. I do not have a   XXXX   card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.

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 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
FIRST FEDERAL CREDIT CONTRO L, INC.     XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  OHIO  XXXX  ACCT. #  XXXX  FOR {$240.00} * Is attempting to collect on a debt reported as fraud to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX .   The insurance company is investigating this as fraud due to improper billing paid by the insurance firm. Also, advised never to go back to this  XXXX   XXXX ,  XXXX .    * T his is Disputed as  Fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed multiple times this incomplete inaccurate false collection with Experian and requested investigation proof of wet ink signature no lawful results provided.
When requested verification validation letter via   USPS    certified mail the address provided per Experian to my surprise the letter came back undeliverable address, not a valid address, providing reports of false, inaccurate and incomplete info which is a violation of the fcra, not doing due diligence and not protecting consumers.

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 2017-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have sent them a paid form the insurance company and they continue to charge me.
 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
This is the second Cease and Desist letter that I have sent to Select Portfolio Services and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on  XXXX   XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by   XXXX   XXXX   XXXX   who is not a party to my Adjustable Rate Note and my Deed of Trust.
 XXXX 
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
 XXXX 
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waterfall Revenue Group
State: OR

Complaint narrative:
A federal agency had already paid the debt to the original collector  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation.
Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep.
Account #  XXXX ,   XXXX   XXXX    XXXX  Dates provided upon request my phone number and Email listed.

Company response to consumer: Closed with explanation