vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX. 
I am writing to address a concerning matter regarding a recent letter packet I received from Select Portfolio Servicing Inc . The packet, dated XX/XX/XXXX, stated that I was approved for a loan modification. However, I want to clarify that I never applied for such a modification. 

XX/XX/XXXX. 
Immediately upon receiving the letter, I logged into the SPS website ( https : //www.spservicing.com/ ) to investigate further. To my surprise, I noticed that my auto monthly ACH payment setup by SPS did not pull mortgage payments from my XXXX XXXXXXXX XXXX account for the amounts of {$2100.00} for XX/XX/XXXX and {$2100.00} for XX/XX/XXXX. 

In an attempt to resolve this issue, I promptly contacted SPS via the provided phone number, XXXX. I spoke with representatives named XXXX, XXXX, and later with XXXX XXXX. Unfortunately, during my initial call, the conversation was abruptly terminated, and I had to call back to speak with XXXX. I specifically asked him why I received a loan modification package. 

According to XXXX, SPS sent me a " trial loan modification '' that was pre-approved. However, I want to emphasize that I never consented to such a trial modification. XXXX explained that there was no need for a signature and that my normal monthly ACH payment triggered an acceptance for the trial loan modification. Consequently, SPS stopped my XXXX and XXXX payments. 

During my discussion with XXXX, I expressed my deep concerns about this situation. I raised the question of whether this could be considered fraudulent, to which XXXX stated it was a " system error '' and should not have occurred. He confirmed that both XXXX and XXXX payments were not collected by SPS, with the next scheduled payment being in XXXX. I insisted on receiving a letter from SPS, clearly stating that your company takes responsibility for the error and confirming that my mortgage payments will not be considered in default. I informed XXXX that I would wait for this letter before making any further payments. Moreover, I sought reassurance that making the XXXX and XXXX payments now would not trigger another SPS modification. XXXX assured me that it would not. 

XX/XX/XXXX. 
Regrettably, as of today, XX/XX/XXXX, I have not received a satisfactory letter explaining the details as discussed with XXXX. Consequently, I have refrained from making the XXXX and XXXX payments.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: AFNI INC.
State: GA

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I opened a Treasury Enterprise Plan business account with PNC Bank in XX/XX/XXXX. During the period, there was a promotion running where it stated that I needed to open the account between XXXX and XX/XX/XXXX, deposit {$30000.00} in funds and maintain the balance for 3 billing cycles to get a {$500.00} welcome bonus. It is now XX/XX/XXXX and I still have the {$30000.00} in the account and no bonus has been paid. When I contact the bank, there is a lack of respnse back while they " look '' at it. I also was given a phone number for someone in retail banking support and when I call they never answer and voicemails are returned but with weeks in between. The local branch manager has been someone I have talked to and he is trying to nickel and dime with with the fine print even though he has not read the fine print and coming to me with items that are not listed for the Treasury Enterprise Plan business account such as transaction requirements. I have attached the terms email that PNC Bank sent me back on XX/XX/XXXX. This account is opened as a sole proprietorship and I am doing business under my name and using my residential address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a capital one credit card.In XX/XX/22 I purchased an air conditioner online with my card. I found out the next day that the company was fraudulent. I notified Capital One of of this.They froze my account while they investigated the company website. In XXXX after I made my payment on my account it left a balance of {$210.00} which matched the amount I had in rewards cash.So I thought they would go ahead and unfreeze my account and take the rewards and pay off my balance.But they havent and every time I call to resolve this issue.All they want to do is argue and wont tell me when my account can be reopened so I can close my account. I ripped my card up long ago.They wont open it back up so I can put this behind me.And to add salt to the wound they have tried to destroy my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: AL

Complaint narrative:
I noticed that this company had placed an account on my XXXX credit report on XX/XX/2023. I am subscribed to XXXXXXXX XXXX Credit monitoring service, and I was notified that there was a new alert. This account was placed on my report on XX/XX/2023. This is the first time that I had heard of this company and was notified of this debt. I immediately called the number listed on my credit report and I spoke with XXXX. She says that they had sent out a letter to my permanent residence on XX/XX/XXXX, XXXX which was not true. Although I am living in another city while working, I am constantly monitoring my mail at my permanent residence, and I collect my mail one to two days out of the week when I return home. I never received this mail. 
I am working to improve my credit score after facing some difficulties due to the pandemic, If there was ANY type of communication sent to me regarding a bill, I would have responded. This company did not notify me. I sent them a letter stating that they did not notify me, as required by the Fair Debt Collection Practices Act and I asked them to delete this account from my report. I also disputed this account with XXXX, but Vance and Huffman continue to report this account. This is my last resort. If this account is not removed, then I will be forced to seek civil action. This one account dropped my credit score XXXX XXXX. I will not allow this company to affect my credit score to this point, while not following proper procedures as required by the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian is not listing two accounts for which I'm an authorized signer. 

XXXX. XXXX  account XXXX XXXX. XXXX account 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 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Skrill USA, Inc.
State: OR

Complaint narrative:
Sent money to a starving person and their family in XXXX. Person could not withdraw the money. Skrill replied saying I got scammed and transactions for goods and services are irreversible. Transaction was not for a good or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I had a {$500.00} doctor bill from XX/XX/XXXX and in XX/XX/XXXX Profesional credit service in XXXX Oregon garnished my bank account {$1200.00}. I have called the collection agency three times since asking for a breakdown of what the {$1200.00} was for. I was told to go to their website and look it up there. The website doesn't show that information. When I called back the man at PCS told me since my balance owed is now XXXX  he can't send me any information of what I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to XXXX, Transunion, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.

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 2023-05-19 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:
I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to XXXX, XXXX, and Equifax. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I PAID OFF AN AUTO LOAN WITH NAVY FEDERAL ON XX/XX/XXXX ON XX/XX/XXXX THE AUTO LOAN WAS LISTED AS 30 DAYS LATE FROM XXXX  XXXX, XXXX. I HAD 100 % ONTIME PAYMENTS SINCE THE OPENING OF THE ACCOUNT DATING BACK TO XX/XX/XXXX. ITS IMPOSSIBLE TO CHANGE THE PAYMENT HISTORY TWO YEARS AFTER THE ACCOUNT IS CLOSED AND PAID OFF. I RECEIVED THE PAYMENT HISTORY FROM NAVY FEDERAL AND I HAD NO MISSED PAYMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion : While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX  XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2023, Chime notified my via email that both my checking and savings account were closed because of a breach in their policy and suspected fraud. I was advised that this could be resolved by sending the requested documents validating my identity. I provided this to them via email. I called them also and was told that I would receive my closure check ( remaining balance {$2000.00} ) within 30 days of my account being closed. I reached out to Chime multiple times for an update of my account status/closure check being mailed. I received the same info with different reps telling that their support/detail/back office team would correspond with me ( within 12-48 hours ) via email once they viewed my documents. I also resent my documents via email a few more times as well as calling Chime customer service. Up until this date I have not received my closure check or had my account reopened upon sending them valid documents. No one have not contacted me regarding this matter by phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX  home mortgage loan from wells Fargo. 
XXXX I had some legal issues that required me to spend some time incarcerated. 
I wrote wells Fargo a certified letter from the county jail asking to modify my loan as I would be integrated for a while. I had my wife call numerous times just to be told they couldn't discuss my loan with her since she wasn't on loan. My wife couldn't afford to pay the whole mortgage as she was a home maker and I the bread winner. She had to move out and when I got out I had lost everything. House, cars, my family. I have been homeless ever since with a few places I have rented since. This foreclosure killed me, my credit and my stability. Had they just worked with me to stop this foreclosure my life would be a lot different today. I purchased this home in XXXX at XXXX $ it's now valued at XXXX XXXX I believe that's half a XXXX dollars on damages.

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 2023-05-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The company Credit Acceptance Corp on XX/XX/2020 I was lied to by my cousin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX to co-signed for a Auto Loan to get a truck and after a couple months he can take it out of my name and take over the payments and that was all a lie he has not been making payments on this account which is affecting my credit report I also tryed to take him to court to have his money garnish to pay this off with no luck

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
The company has not proven the accuracy of this debt and continuously gives fails statements and can not prove the debt. This debt needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, TransUnion, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.

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 2023-05-19 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, XXXX, Equifax. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.

Company response to consumer: Closed with explanation