vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-11 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: MO

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-11 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
CREDIT MANAGEMENT LP repeatedly calls asking for my personal information. I'm not going to give or verify my personal information to a stranger. I have repeatedly told them to stop calling me. I have never opened an account with this company. This company reports in a legend that I owe a total of {$1.00}, XXXX for XXXX separate accounts ( $ XXXX ). Email the last representative I spoke to, I asked him why do I need to verify information if I don't even know who he is and why he's asking for the information. He never disclosed the reason for the car. He only stated that's what she says her world fell apart the company name and then asked me to verify my address. Subsequently, my credit score has dropped significantly. I don't want my address shared with CREDIT MANAGEMENT LP. There was no address/email to link to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Prior to Covid, we had not missed a payment for years. Due to our line of work, once covid hit, our income was reduced to {$0.00} so I had to find another job while my XXXX XXXX XXXX was on hold. We contacted our servicer and asked for mortgage assistance in the form of a loan modification once it " appeared '' that the pandemic was over and we were once again receiving income from our XXXX XXXX XXXX. At the time of submission of the loan modification package, we had W2 income as well as our real estate income. Rates were at an ALL TIME low and based on the income that was provided, we would have easily qualified for a loan modification. However, our servicer, after repeated verbal and written requests by us, still would not use the full income that was provided. They only used the W2 income, not the real estate income. We had been in real estate for over a decade, the W2 income was for barely a year as we only went W2 because of the pandemic and its effect on our real estate income. 

They finally offered us a deferral of all past missed payments, including tax and insurance but refused to recalculate us for a loan modification so we submitted a complaint to CFPB and after XXXX  months of us pretty much begging them to use the correct income that was provided, they finally did. Rates at this time were on the rise and we were told that we still did not qualify for any type of a loan modification but stated they would still defer all missed payments on the back end of the loan. The letter was dated XX/XX/2022, with XXXX payment due and in just a few days, a XXXX payment would be due for a total of {$5700.00}. 

We requested that the bank please defer and make XXXX the XXXX payment as we are doing everything we can to keep our home, they refused. This servicer has done nothing but torment, harass and discriminate against us ever since we asked for their help. To send a letter on the XXXX, payment due, with another payment being due just a few days later, shows the lack of common sense that we have been dealing with. Servicers are supposed to do all they can to help American 's retain their home after the pandemic and this servicer has done the exact opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valentine and Kebartas, Inc.
State: CA

Complaint narrative:
We received an attempt to collect a debt from Valentine & Kebartas , LLC through the mail on XX/XX/XXXX. We disputed the debt and requested that they no longer contact us for purposes other than verifying the debt, this letter was mailed to Valentine and Kebartas on XX/XX/XXXX. Valentine & Kebartas , LLC made no attempt at verifying the debt, instead the next time we heard from them was on XX/XX/XXXX when we received yet another letter attempting to collect the debt and ignoring our request not to do this until they could verify the debt first. I sent them a second letter in response that was mailed out on XX/XX/XXXX reiterating our dispute of the debt and the need for verification before any attempts at collection continue. Again we did not receive any attempt to address our dispute or verify the debt. Instead, on XX/XX/XXXX we received a third letter from Valentine & Kebartas attempting to collect on the same debt despite us requesting on XXXX separate occasions not to do so until they could verify the debt. On XX/XX/XXXX we mailed them a XXXX response notifying them we are still disputing the debt, we still expect not to be contacted for purposes other than verification and also notified them that they are now in clear violation of the CFPBA and I would be reporting their violations to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2022-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: OR

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXXXXXX XXXX XXXX XXXX XXXX ( the Scammer ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of theirs, owner ( s ) of wallets : XXXX XXXX, committing financial crimes right under their nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet a t XXXX in the total amount of XXXX XXXX and XXXX ETH utilizing their services. Several more wallet numbers who are registered with Binance are beneficiaries : XXXX " XXXX ' XXXX ' XXXX ' Total amount they own - XXXX XXXX. 
It is evidently proven that scam victims have relatively little freedom of reactivity, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator under psychologically pressurizing circumstances that the perpetrators themselves created to manipulate said victims ( myself in this instance ). Being able to consciously refrain from reacting in accordance with the scammers instructions is extremely difficult and sometimes impossible once theyve got a hold of your funds. 
In providing its services financial institution as a registered and licensed Payment Service Provider, is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

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 2022-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
In XX/XX/2021 my husband and I did a loan modification with a previous company, after the modification was approved but before my payment was due they sold our loan to BSI Financial. My payment was due on XX/XX/2021. I contacted BSI as soon as I had their information, and was told that the process could take up to 10 days to get transferred over and to not make a payment until they had the loan documents. I explained that we had just been approved for the modification and they assumed me that I had nothing to worry about that it would be honored and my payment amount would be the new modified amount. I waited the 10 days, but I did keep checking online to see if I had an account yet, I called them back after 10 days. Still had no information, again I was assured everything would be fine and that this was not uncommon and there was a 60 day period before they would charge any late fees or report me to credit agencies for non payment. Finally in XXXX, they finally had my information and had created an online account for me. However they did not have the modified information, when I asked about it I was told that they had just gotten the documents from the other company and it was in the process of being updated and again was assured that everything would be fine and to make the modified payment, which I did. After that I called them twice a week to check the status, each time I was given a different reason as to why the information was not updated. I was assigned a point of contact whom I reached out to but could not get in touch with and could not get a return call. Each time I called customer service, I was told I needed to speak to the POC and each time I explained that I had been trying. Finally it got to the point that I called everyday. I was even told at one point that they had not received my modification package from the previous company so I told them I would reach out my self and ask them to resubmit it to them and I also sent copies to them my self. The rep that I spoke with stayed on the line to make sure they came through and once they did she told me she would get it to the appropriate department. Fast forward to just short of one year, and my account it still not reflecting the modification, I still can not make payments online, I have to call it in each month and go through the whole process as to why I am not going to pay a fee to make my payment. I still can not get in touch with my POC after multiple phone calls and messages left. If I log into my account I can see my payments that I have made but it says they are unapplied. I don't know what is happening with my money at this point. I am extremely frustrated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Checked my credit report to find a charged off account. Disputed it, but XXXX XXXX Capital One will not help. Capital One apparently sent it to a collection agency & XXXX XXXX  has been rude & nasty to me. No one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have called Experian numerous times, to try to figure out the address of where to submit a Police Report, or to figure out the process to do so. Their automated system refuses to let me make a dispute or to talk to someone. 

Experian is supposed to be a reporting agency, not a business to collect money in order to process a transaction. I've had a security freeze on my Experian account for almost two years, and somehow they still let companies place fraudulent/ identity theft related accounts onto my report. Then they refuse to pick up the phone in person most days, and their automated system gives me the go-around. Their automated system also gives me less and less options to choose from each time I call. I'm to the point of frustration. 

If I can not even obtain an address of where to send in my police reports, so that fraudulent information can be removed from my account, then what purpose does Experian have to exist, if they also can not protect the consumer against fraud? They are actively engaging in unlawful practices.

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 2022-02-11 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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