vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
They are insisting that I am delinquent on 2019 taxes, I have sent them proof three times, XXXX county has sent them proof twice and they still are saying that they were never paid and now they're penalizing me an extra {$50.00} a month. They said they sent the check to XXXX county, XXXX county says they sent the check back because it was an overpayment, and the mortgage company is still insisting they never got the refund and the taxes still aren't paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack. 

delete and remove, do not sell, transfer, repost or re-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 2020-06-06 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:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XXXX : Two tax bill disbursements were made in the amount of {$1000.00} by ShellPoint. 
This placed my escrow balance in the negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
i received a letter from XXXX XXXX XXXX stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( XXXX XXXX XXXX XXXX ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize XXXX  the first time around. 


ally bank : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.

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 2020-06-06 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:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.

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 2020-06-06 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:
the is an account on my credit report tha'ts not my and maybe the result of i.d theft or some sort of cyber hack.

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 2020-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife and I signed documents for a loan with XXXX XXXX  XXXX in the amount of {$66000.00}. We paid on this loan for several years until the economic downturn took place here in California around XXXX. It is my understand the loan transferred from XXXX to XXXX, then to Green Tree and then to Ditech. Unfortunately, I do not have any account information with the exception of the original lien that was filed with the XXXX XXXX County Recorders Office ( see attached file ). The last piece of information I remember seeing from Diteck stated they were no longer pursuing this loan. My ex has told me this loan was paid in full and was part of a charge off from XXXX and a prior bankruptcy from Ditech. She does not have any further information, account paperwork or numbers. I am looking at refinancing the property and the attached lien is not allowing me to proceed. I have tried for over a month now to find ways make contact with any representative of Ditech to obtain information about removal of the lien. I have also reached out to XXXX XXXX and XXXX XXXX but they indicate they have no record of any loan or information linked to my Social Security Number. I have also spoken with an investigator out of the State of Texas who said he has had three other people contact his department with the same issue. He further stated, and XXXX XXXX has confirmed, Ditech has not forwarded any files which were closed or no longer relevant. I am hoping you can assist me in obtaining the account information and a reconveyance so I can proceed with my refinance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX   XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove 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 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2019, Bank of America initiated a refund of {$1300.00} that I have overpaid for my credit card a few months before. The statement appears as CREDIT BALANCE REFUND DEBIT. Initially, I contacted the bank immediately after the credit card became {$0.00} and the bank assured that a check was on the way to my address. Unfortunately, I never received a check and since moved to a different address. I have contacted the bank a few months later and the bank assured that the money would be deposited back to my checking account. Nothing happened. I contacted them again this year, FOUR times in a span of two months, after forgetting about the problem. Most of the calls repeatedly assured me that the credit refund would be deposited into my checking account. Still, nothing happened even after the promised time period of two business weeks. The second last time I called, the rep said that the check was actually cashed out in XXXX/XX/XX/2019. I demanded a probe into the stolen check as I have never received any and there is no record of me cashing my check into any of my accounts ( BoA is my only bank ). Today I called again, after two weeks, and the rep said that he couldnt find the refund transaction because his record could only go to XX/XX/2019. In essence, BoA has taken the money and basically ignored my requests for checking into the issue. Most reps just replied with reassurances that my refund will be deposited into my checking, even though the lost/stolen check was already cashed by someone else.

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 2020-06-06 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: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Due to Covid19 that resulted into unemployment, I have been unsuccessful in getting assistance with my three of Capital One credit cards since XX/XX/XXXX. Unbeknownst to me, these three credit cards were closed on XX/XX/XXXX. I saw that three of the accounts were restricted, but I never received any notice informing me that my accounts would be closed. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and through Capital One chat, I have requested assistance with my accounts, which has not been provided. 

On XX/XX/XXXX, I spoke XXXX, and was transferred to a XXXX male named XXXX, who was a supervisor. He claimed to be speaking to his supervisor and support team to get approval to assist me. Yet, he came back on the line asking me computer-generated question, which concluded that I did not qualify for assistance. I recorded all conversations with representative for evidence of my efforts to protect my credit and to make payment arrangements with Capital One. 

I have spoken with several men ( XXXX and XXXX ) who have Capital One accounts that are over the limit, and two have been late on their accounts. Yet, Capital One has deferred payments and waived interest and late fees for male individuals. Every time I contact Capital One, I must speak to several different people, who claim to be escalating my calls to supervisors for assistance. These calls and chat last for more than an hour each time, without anyone offering assistance with payments. 

As a XXXX woman, Capital One and its computer-generated assessment of my account is discriminating against me based on race and gender. I have never paid my account late. I also have never gone over the limit until XX/XX/XXXX, due to a settlement that is pending due to Covid19 civil cases backlog. 

I have been an XXXX XXXX customer since XXXX. I am a financially responsible individual. With the exception Capital One, all my credit card companies have provided deferred payment assistance for several months. The stress that Capital One is causing me is diabolical. Besides being unemployed due to the virus, I have XXXX  and XXXX  XXXX, and this discriminatory failure to aid is negatively impacting my health and jeopardizing my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
CHASE CREDIT CARD HOLDS PAYMENTS! Payment to Chase Credit Card in Delaware made from XXXX XXXX  in Utah was sent to them on XX/XX/2020. Payment charge appeared on my XXXX XXXX XX/XX/XXXX. As of today, XX/XX/XXXX, 15 days later at almost XXXX  from when payment was sent, in the amount of {$7100.00}, has still NOT been applied to my Chase Account. Chase appears to be holding payment hostage while continuing to RACK up their ridiculous compound interest. This is beyond bad business practice, and should be against the law! I'd like to report Chase 's blatant negligence to apply {$7100.00} to my account as soon as they received it vs holding my funds in their own account. Is this illegal? If not, it should be! Please advise legal actions & proper steps to take against their absurd business practices. How is this company allowed to be in consumer industry?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
I was informed by letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX that XXXX  Mastercard Account Number Ending in XXXX was sold to DNF Associates. This account is a fraudulent account due to identity theft. On XX/XX/2020, I filed a Small Claims Case against XXXX XXXX XXXX XXXX in XXXX County, Texas. Case No. XXXX is supported by Police Report # XXXX, Officer XXXX, XXXX Police Department ( 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 2020-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have disputed by mail with Transunion. I disputed with 609 letters by XXXX XXXX and XXXX and since now. But they haven '' t send me any letters about what was there investigation results i and i had to call them every time i send them a letter because if not they wont send me anything but today i called XX/XX/XXXX too see what was the results and they said that they were verified and i ask them how did they verified and what proof do they had and the rep from Transunion told me that they don '' t deleted stuff that the ones that deleted the stuff its XXXX XXXX XXXX  that there the ones that deleted items and investigated not Transunion so this is why iam making a complain because Transunion has not verified they just go for what XXXX XXXX XXXX  its telling Transunion. XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX, {$470.00} XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX {$320.00}

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 2020-06-06 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: FL

Complaint narrative:
My XXXX XXXX balance is not correct nor is it up to date. I have been trying to pay my home off early and get out of having to do business with XXXX  because of their bad business practices. I have paid my mortgage for the following months XXXX, XXXX, XXXX, XXXX and an additional {$5000.00} towards principle however they are only reporting up until XXXX. So I am going directly to each credit bureau again with documentation showing the correct mortgage balance and months paid up. I will continue filing disputes until the mortgage data is corrected.

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 2020-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See prior recent complaint regarding my issues with USAA. Inconsistent and inaccurate credit reporting that is bringing my credit score down that is beyond the date of ( 7 year negative ) reporting. I disagree with the information the company provided in their last response as it is inconsistent and inaccurate. I was separated in XXXX ; later divorced in mid XXXX. These two accounts had been closed in XXXX. My ex later filed bankruptcy in XX/XX/XXXX, USAA then charged off the owed debts. USAA claims the delinquency began in XXXX XXXX which is incorrect. The debt had already been written off by then. Just recently, XXXX/XX/XX/XXXX - USAA began reporting late payments on my credit report bringing my score down 200 points. In addition, they added balances back onto the accounts ( that they charged off previously ), that increased my credit utilization ratio to over 51 %. This type of unethical reporting is hurting my credit score and my name. I'm now XXXX years old and XXXX. This company is causing me undue harm and stress ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CA

Complaint narrative:
There are two auto loans reporting on my credit report by the same company that I have no knowledge of. These were the result of identity theft in which a police report was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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