vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My XXXX & I moved out of XXXX XXXX XXXX on XX/XX/2021. On XX/XX/2021 I receive a letter from ProCollect stating my unpaid debt is going to collections. Never received anything prior about a debt. I emailed XXXXroCollect which is an in-house collection agency for XXXX XXXX , the management company that owns XXXX XXXX XXXX XXXX questioning the debt and requesting photograph is evidence of the debt. I was emailed an invoice & photographs claiming to depict the damages which resulted in the charges. 

I disputed the charges and clarified the photographs and what they showed and never heard back from ProCollect. I have followed up 3 times since XXXX. I was told to forward all evidence to specific emails, I did so and never get a response. But they have since sent my account to collections and is now reflecting on my credit report. 

I was also emailed a copy of my lease with XXXX XXXX XXXX  which clearly show I was NOT told about the move-out cleaning instructions. 
I have since spoken to an XXXX and am disputing thee charges yet again.

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 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XX/XX/2021, I received an email from XXXX the issuer of XXXX XXXX XXXX about an offer where you receive {$30.00} in a form of statement credit if you sign up for a new XXXX membership before the end of the month, I signed up on XX/XX/2021. The terms mention that the credit should post within XXXX billing cycles. Since then my statement closed not twice but three times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I reached out to customer service in the first week of XXXX to ask why the credit hasn't posted even though it's been over 2 months since I fulfilled the offer and they promised it would post by my next closing date on XX/XX/2021. The credit never posted on XX/XX/2021 so I called on XX/XX/2021 to ask again and the XXXX mentioned that they will escalate it to a XXXX and I will hear back within 2 days. I called four days later on XX/XX/2021 to check the status and I was told that I will definitely hear something by XX/XX/2021, so I called late on XX/XX/2021 and I was told by a new XXXXt that no timeframe is determined for the response and to just hold so I pressed them by citing that I have called about this way too many times so they put me on hold and came back saying they are working on it and will call shortly with an update. I did receive a call less than an hour later but I couldn't get it so I called customer service again where the final XXXXt delivered the message that I should wait until the next statement closing date to see the credit post to the 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 monetary relief
Consumer complaint received 2021-12-22 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:
I recently filed a ftc report regarding fraudulent accounts on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX ) and ( XXXX XXXX ) and they have been closed and removed from XXXX on XX/XX/2021 and on XX/XX/2021 from XXXX. Transunion just closed the accounts without removing and our reporting late payments. A consumer reporting agency of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days should be blocked.

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 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF THE WEST
State: OR

Complaint narrative:
I purchased a used XXXX XXXX XXXX XXXX XXXX  from a 3rd party in XXXX XXXX  on XX/XX/XXXX for {$260000.00}. The motorhome was titled and registered in XXXX XXXX. I paid {$130000.00} in cash and a loan from Bank of the West for {$130000.00}. Included in the loan fees were the XXXX State title and Registration fees of {$470.00} ( see attached LoanDisclosureStatement ). XXXX is where I reside. Bank of the West was supposed to take care of the XXXX  title and registration. On XX/XX/XXXX ( see attached XXXXXXXX ) I received the letter dated XXXX from the XXXX DMV stating the date on the Title XXXX submitted to them by Bank of the West does not match the date on the XXXX XXXX title in the National Database of XX/XX/XXXX for this motorhome. The letter also states a " blank '' check was included which they can not accept and lists the required title and registration fees. It says if there is no response within 30 days the transaction may be returned, put on hold, or cancelled. Between XX/XX/XXXX, the day I received the letter, and XX/XX/XXXX, I called Bank of the West 5 or 6 times and each time was assured this issue would be expeditated and I would receive a response from them. The 6th call I requested to speak with a supervisor. That also got me nowhere. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX XXXX ) Complaint : XXXX. They too have hit a dead end. After numerous inquiries and numerous replies to/from Bank of the West by the XXXX, Bank of the Wests response was always the same, they needed more time to investigate and expect a response in 2 weeks. After 2 weeks they responded they needed another 2 weeks. This has continued since I filed the complaint. 
I have continued to call Bank of the West and each time assured this would be escalated. I have also spoken with the XXXX DMV and the XXXX XXXX DMV thinking maybe I could resolve it but XXXX XXXX DMV will not give me the title because I am not the registered owner. That seems ironic, I paid {$130000.00} cash, have been making {$980.00} monthly payments for the past 10 months totaling {$9800.00} and insurance for a vehicle that I cant drive! I have no title, no registration and no license plates and if there was a serious problem its registered and titled to someone else! 
I spoke with the XXXX DMV earlier this week and was told they have heard nothing from Bank of the West since they sent the XXXXXXXX letter dated XXXX. 
Bank of the West has committed fraud. They misrepresented the RV loan and process. I was told the registration/title process would be done in 5 to 7 days. They have my money and I have a vehicle I cant drive. I have paid over {$5000.00} in interest and insured a vehicle that sits in my driveway.

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 2021-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL, INC.
State: NY

Complaint narrative:
Attached to this Complaint is a notice dated XX/XX/2021, sent to me by Coast Professional , Inc. Coast Professional failed to include proper disclosures as required by the Fair Debt Collection Practices Act ( FDCPA ). Coast Professional , Inc., did not disclose my right to dispute the debt in writing nor did they include they were debt collectors attempting to collect a debt. They failed to comply with the FDCPA 15 U.S.C. 1692e ( 11 ) and 15 U.S.C. 1692g ( a ) ( 3 ). Also attached to this complaint is a notice sent to Coast Professional , Inc. by me in attempts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
My Name is XXXX XXXX and I reside at XXXX XXXX XXXX in XXXX New York zip code being XXXX. I have resided in my primary home since XXXX and I would like to keep my home. Select Portfolio Servicing Inc., SPS has been my present mortgage servicer for approximately 2 years. Since the Pandemic, I have been financially impacted and have required assistance from the Servicer due to Covid-19 related matters. My employment income has significantly been reduced due to Covid-19.

My complaint stems from the Servicer 's inability to adhere to New York State and Federal laws as they pertain to individuals impacted financially by Covid-19. I'm citing the Servicer for the following : 1. Disallowing any additional Covid-19 Forbearances 2 . Not Accepting the " Covid-19 Declaration of Hardship Document '' In the State of New York we have some of the highest rates of Covid-19 cases. These numbers have impacted my business/employment to the degree I am not able to make mortgage payments. In the past, I have provided a completed copy of the Covid 19 Declaration of Hardship Document to the Servicer and they have refuse to acknowledge and/or accept the document as an official hardship. 

In closing, we are living in unprecedented times it is mandatory that we have Servicer 's and/or Lenders adhering to Federal and State guidelines as they pertain to individuals suffering financial hardship due to Covid-19. SPS has demonstrated very little to no compliance of the laws which we are governed by during the Pandemic. They continue to operate as if these are circumstance of the past. 

On XX/XX/XXXX I spoke with an SPS representative who had no knowledge of New York State and/or Federal Laws which protects individuals who struggle to make mortgage payments at this time. In addition, SPS has continued to aggressively pursue payments. Currently, I have entered into a modification process in which i have submitted my online application. I am very concerned the Servicer will continue to disregard laws and my inability to pay my mortgage which will result in my credit being impacted. I am seeking for SPS to adhere to state and federal laws during the Pandemic and assist accordingly. 

PLEASE DO NOT PROVIDE ANY PAYMENT HISTORY DOCUMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent capital services is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. It is actually reporting three different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right! 
The day last active would affect the account would naturally fall off.

Three different years is ridiculous!

I have sent certified letters to Resurgent asking them to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX and I am the owner of XXXX PayPal account. 
My phone no. is : XXXX Ive been notified about this case about a couple of unauthorized transactions, ( Case ID : XXXX ) and ( XXXX ) and that my response is needed. ( Seller response ) First I would like to say that it was no sale in this case. 

I I am referring to : Transaction ID XX/XX/XXXX, 1. money receive at XXXX pm XXXX {$90.00} 2. Money send at XXXX pm XXXX - {$90.00} XX/XX/XXXX XXXX. Money receive at XXXX pm XXXX XXXX {$100.00} 2. Money send at XXXX pm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in their XXXX 's, are our friends and XXXX XXXX XXXX is there son and he is on his XXXX 's. 
Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX to upload their cards on Paypal and use them at will. 
On XX/XX/XXXX and XX/XX/XXXX as you can see, The money that XXXX send me, on both occasions were returned, PAID BACK in under a minute. 
On both ocasions, he said that the transaction was done by mistake and he request his money back. 
I would like to mention that XXXX XXXX XXXX does not have a credit card on his name and he actually send the money from his fathers and mother 's credit cards since they share the same name. 
Soon after he did multiple charges on his parents credit cards ( I don, t understand how Paypal aloud him to use somebody else 's credit cards on his own Paypal ), he got the cash from the people he scam than his parents denied all charges to credit to the credit companies and got their money back totaling over {$30000.00} and me as the victim I am being harrased by Paypal who is forcing me to cover those illegal transaction taking the side of the scamers even after multiple complains has been filed with XXXX XXXX XXXX police, Consumer Financial Protection Bureau, He Did the same thing to my stepson. 
XXXX XXXX XXXX. 

Please let me know if I can help with anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received copy of my credit report and i still don't understand why are you reporting these accounts, which were fraudulently open. The companies were agreed, that these were not my accounts, i have never applied for it, They don't have any proofs with my signature. Someone applied for these companies using my personal information, Iwas 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 non-monetary relief
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TX

Complaint narrative:
XX/XX/XXXX I sent the credit bureaus a request to investigate the inaccurate items reported on my credit. I pulled a new credit report today XX/XX/XXXX and there were no updates changes, or response sent to me. It has been more than 30 days from the last dispute and I still have accounts with balance that should not have a balance. accounts outdated still reported and even accounts that are not mine. I am loosing patience and need help.

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 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Alorica Inc.
State: CA

Complaint narrative:
My husband and I took out a loan for an XXXX XXXX XXXX Bank in XX/XX/XXXX. SST took over the loan shortly thereafter ( Acct # XXXX ). The loan required automatic monthly withdrawals from our checking account of {$300.00}. These withdrawals took place with no issues for nearly 7 years, then in XX/XX/XXXX, for an unknown reason SST submitted the request for payment to our bank using the wrong checking account number. The bank branch manager confirmed the wrong account number was provided by SST and sent us a screenshot for our records ( bank transaction record of attempt and denial uploaded ). The bank denied the payment ( there have been no changes to our banking situation/account, etc. ). This mistake on SST 's part resulted in a delinquent payment and negatively impacted our long-standing excellent credit scores by more than XXXX points each! When I realized something went wrong I paid what was in arrears immediately including late fees. 
When we explained the situation and asked for resolution on XX/XX/XXXX, they said they would have a manager in their dispute resolution group call us. We have not received a phone call response as of XX/XX/XXXX. I also note that their automatic payment policy includes a statement that says once notified of an error, they will determine if an error occurred within 10 business days and will correct any error promptly. 
We received a letter dated XX/XX/XXXX from SST responding to a request to remove negative comments from our credit history. However, it is clear that instead of investigating the situation they simply confirmed payment was made more than 30 days late ( see uploaded SST letter ). It also appears that they are charging us {$45.00} for a " XXXX XXXX XXXX '' on XX/XX/XXXX ( see last page of uploaded SST letter ). 
We are in the middle of refinancing our home, and this mistake on SST 's part will end up costing us tens of thousands of dollars over the life of our new loan since their mistake means we no longer have stellar credit scores and will not get the best rate. 
SST has not owned or even acknowledged their mistake nor made any attempt to make it right for us, loyal customers of 7+ years. 
I have sent a response letter to SST requesting an actual investigation to identify why an incorrect account number was used, dated XX/XX/XXXX ( see uploaded letter to SST ).

Company response to consumer: Closed with explanation