vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
I was divorced in XXXX. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX XXXX. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage XXXX XXXX property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: TX

Complaint narrative:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I file a dispute in the regards of incorrect items on my credit report. I was ask to give 40 days which has been well over the grace period asked.

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 2021-03-26 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
There are two ( 2 ) accounts showing on my XXXX account. 

- Synchrony XXXX XXXX XXXX ) - Synchrony XXXX XXXX XXXX XXXX Synchrony XXXX converted my account to Synchrony XXXX a few years ago. There is only one ( 1 ) account but XXXX is showing two ( 2 ) separate accounts - with duplicate information.

I've attempted on several occasions to dispute this error without success. 

I spoke w/SH on XXXX XXXX to lodge a complaint. I spoke with a representative ( XXXX with ID # 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 non-monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CO

Complaint narrative:
My husband was a loan XXXX at Amerisave Mortgage Corporation. We started the approval process, got our approval, went under contract on a house, and now are 14 days from closing. When my husband was laid off from XXXX on XX/XX/2021 they also closed my loan file " for an incomplete credit file '', when we had no more work to do and refused to pay him on the loan. Now we have to go to a new loan company and start the process all over because they closed our loan with no cause and without any permission from me the borrower. As my husband describes, the loan was " in closing '' meaning, the docs had already been sent to the title company to balance and the closing date was scheduled. Pretty ridiculous as far as I'm concerned!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 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: ERC
State: CA

Complaint narrative:
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting This account had been settled years ago. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted experian on many times to verify the incorrect and inaccurate information on my credit report that was due to fraudulent activity. I have requested validation of the items reporting. I have also added security freezes and fraud alert to my credit profile. The date of my letter sent where XX/XX/2020, XX/XX/2020, XX/XX/2020 and still no response or update. the following items should be investigated XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, please removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 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: Foreman Financial Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt with XXXX XXXX that I do not owe. I have consulted with my Attorney General for the state of California and the statue to enforce and collect on this debt is past the statute of limitations. NO tonly is this account pas the statue but it is also past the credit reporting limit under the FCRA guidelines. I do not owe this debt, you may not collect on this debt and it must be removed off my credit report. Please be advised that reporting false information on my credit report could constitute fraud under both federal and state laws. If you continue to report erroneous debt on my credit file, I will not hesitate to bring legal action against you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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:
Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In Cortez v. Trans Union, LLC, 617 F.3d 688 ( 3d Cir. 2010 ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under 1681e ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York Higher Education accounts need to be deleted 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 explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a PUA claim/file that was put on an Integrity Hold due to possible fraud on XX/XX/2021. I filed the appropriate report with XXXX XXXX fraud department. 

Once benefits were resumed for the PUA program, I applied to have my account reverified and for benefits to resume. XXXX did reverify and reopen my claim. I submitted 11 weekly certifications dating back to XX/XX/2021 to XX/XX/2021. Payment was processed for those weeks and payment was made on XX/XX/2021. On XX/XX/2021 I still had not seen a deposit come through for any of those weeks to my bank account - from the very beginning of my claim being active, funds had been direct deposited to my personal account. 

When I went into my dashboard to investigate, I discovered that someone had accessed my account and entered routing information and an account number for direct deposit that was not mine, as well as changed the tax withholdings to {$0.00}. The financial institution was listed as " BMO HARRIS BANK , N.A . ", account number ending in " XXXX '' and routing number " XXXX ''. The total amount processed and deposited to this incorrect account was {$7700.00}, on XX/XX/2021 via direct deposit. 

I immediately contacted BMO Harris Bank to solicit their assistance with putting a stop/hold on these payments, reversing the deposits, or any suggestions they had to remedy this issue. Clearly their bank was complicit in moving and disbursing funds that were fraudulently allocated. However, I received no such assistance. I was told that despite proving I have NO account with their institution, under my name or SSN, they could not put a stop/hold on the deposits or put any sort of a flag based on the account information I was able to share. They offered no practical solution beyond telling me to call CDLE and file a police report, and wait. Needless to say, there is a lot of time being lost while I make such calls without any action on the part of the bank through which these funds are being illegally obtained and moved.

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 2021-03-26 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 am writing to delete the following information on my credit report. The items I need removed are listed in the report I am a victim of identity theft and did not make the charge, I asked that the items are deleted to correct my report. I reported the theft Of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. I would appreciate it if you delete it these items promptly as it is hindering me. I am trying to advance in my life by getting a house in car to provide for me in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
I finally got equifax to temporarily lift the freeze on my credit file confirmation # XXXX but i still can not obtain a copy of my free credit report as they have still got the system asking me questions about things that don't pertain to me. the verification questions do not pertain to me. I do not have any mortgages or loans. they will not provide me with a credit report and their online system does not recognize my information at all. It never works. i don't believe they have lifted the freeze but their system states it was lifted and provided me with the above confirmation number. i don't know what equifax put on my file but can not verify the answer to the questions that do not pertain to me. none of what they are asking me has been and should not be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Sir I already attached the all documents please be verify XX/XX/XXXX New balance. {$54.00} Charge of account interest. {$280.00} Late fees. {$39.00} Transaction date XX/XX/XXXX Post date. 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 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I found out on XX/XX/21 that Citizens One ( CO ) had reported my account as 6 months delinquent, and my credit score dropped almost 200 points. I am in the process of a home purchase and have about XXXX in it that I wont get back if this doesnt go through. I called CO and they apologized, said it was their mistake, and they were filing a claim on my behalf, and that my credit score would be back to normal in 2-3 weeks. I called back on XXXX because my score hadnt changed, and was told that the agent had done it wrong and it was now being fixed, that it would be restored in 2-3 weeks. It is still not restored. I called XXXX and they have no record of CO attempting to correct the mistake. I started my own claim a few days ago and can not reach CO to quickly verify my claim so that I can buy the house, before its too late. I have spent about 24 hours on the phone with absolutely incompetent people trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: GA

Complaint narrative:
I have reached out to experian many times to update and remove the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX georgia XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, & XXXX XXXX XXXX, XXXX XXXX ga XXXX. 

please add my current and only address to my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX, please remove the incorrect name : XXXX XXXX from my credit report please remove fraud alert 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 non-monetary relief