vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
Equifax is reporting an account on my credit report that is not mine. On XX/XX/XXXX I received a letter from XXXX XXXX for {$3200.00}. Shocked, I immediately responded to the letter asking for validation of the of the debt because I 've had no dealings with the company nor the company they represent. The company did not reply but put the account on my credit report. I sent another letter and was ignored again. On XX/XX/XXXX I sent a letter to Equifax in good faith asking them to validate this debt with XXXX  XXXX. They responded with a letter saying the account had been verified. I assumed they misunderstood my request so on XX/XX/XXXX I sent another letter asking for validation again. I received a response on XX/XX/XXXX from Equifax saying the account was verified. By who? Where is the proof of the validation that I requested? Per regulations I have a right to see what information a creditor is providing to put a negative item on my credit report. On XX/XX/XXXX I contacted the BBB and XXXX XXXX did not respond. I received the email from the BBB yesterday ( letter attached ). This company is not responding to the BBB or to me, yet somehow Equifax has received verification ( still not what I requested ). This company is not responding because they can not proof this debt is mine. Equifax is refusing to remove a debt that can not be validated. Not only did XXXX XXXX ignore my request, but so did Equifax. This is a violation of my rights and needs to be removed from my account. The amount of {$3200.00} is not a small amount that Equifax can ignore the company providing proof of the debt. Where is the signed contract or anything for that matter? Due to lack of proof XXXX and XXXX quickly removed the debt at my first query. I feel Equifax is being negligent in pursuant to the FCRA and allowing abusive practices by XXXX XXXX. I have worked hard to maintain a good credit file and after serving my country for 16 years, I find this is disturbing. I ask the help of the CFPB to assist in stopping Equifax from victimizing me. XXXX XXXX # XXXX for the amount of {$3200.00} needs to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws.
In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of,  or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. 
As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and  credit reporting has and continues to suffer from the dissemination of false credit information. 
Security Credit Services is in violation of the following as it pertains to the collection of debt which is  the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA.
It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers.
The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Shellpoint Mortgage Servicing handles my 2nd mortgage payment of {$140.00}. I called them XX/XX/XXXX to inform them that I had overpaid this debt and wanted to settle it as " Paid In Full ''. The reason for the call was that I no longer had income and had lost my employment on XX/XX/XXXX. Between the XX/XX/XXXX and XX/XX/XXXX, I took the time to read over the Servicing agreement I had established with XXXX in XX/XX/XXXX. Upon adding up the total payments, they totaled over {$23000.00}. The original note was {$15000.00}. XX/XX/XXXX, XXXX modified the loan and reduced the payments from {$200.00} to {$140.00}. Following that reduction, I filed Chapter XXXX and DID NOT include XXXX in the bankruptcy. The XXXX debt was " Reaffirmed '' ( XX/XX/XXXX ) since I wanted to keep my primary resident. The {$140.00} was made to XXXX until XX/XX/XXXX. At that time, I received a letter dated XX/XX/XXXX stating that the Servicing has been transferred from XXXX to XXXX XXXX  XXXX. XXXX is Shellpoint Mortgage Servicing. The notice also stated " The transfer, assignment or sale did not affect the terms '' According to Shellpoint, I owe {$7200.00}. Upon the transfer, Shellpoint claims the balance was {$13000.00}. From XX/XX/XXXX-XX/XX/XXXX, I paid {$200.00} monthly and most of that in a timely manner. {$6200.00} minimum. Of which I paid {$5100.00} of interest during that period. From XX/XX/XXXX til XXXX letter XX/XX/XXXX, I paid XXXX over {$10000.00} From XX/XX/XXXX til XX/XX/XXXX, I 've paid XXXX/Shellpoint over {$6100.00}. If you include the Originating date XX/XX/XXXX-XX/XX/XXXX, that 's another {$6200.00} to add. Total payments to XXXX/Shellpoint. {$23000.00}. This amount does not include payments above the minimum required. Please note : This loan was modified to zero ( 0 ) interest. Also, in my research, I 've found that there is a class action suit against Shellpoint for this same issue of collecting more than what 's due. Shellpoint sent a letter dated XX/XX/XXXX after I ask for a payment history which stated I owe them {$7200.00}. Shellpoint keeps insisting that the loan was discharged through Chapter XXXX. Which is not true. This loan was " ReAffirmed ''. Because it was modified before I filed Chapter XXXX. Upon calling Shellpoint, they insist that the payments went to Bankruptcy court and I continue to tell them " You do n't make payments to court under a ChapterXXXX. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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:
I contacted each credit bureau to have inaccurate credit inquiries removed and they refused.

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 2017-08-07 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: NY

Complaint narrative:
The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did 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 2017-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Partners Financial Services Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: NY

Complaint narrative:
Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing  from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: STATE FARM BANK, FSB
State: MI

Complaint narrative:
I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. STATE FARM BANK-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX CARD-UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX  2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ma 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 2017-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
1. Had made previous dispute regarding the company charging late fees on payments that are within the months time but apparently are n't within billing cycle.
2. Company had waived late fee and just notified had to make payment after the XXXX or XXXX of the month. I went to make a payment today on the XXXX. Then found a {$41.00} late fee charge.
3. Called customer service regarding this new late fee charge. Customer service representative described previous incident regarding payment. I am informed the representative that I had a letter from the company removing late charge. Also, stating to make payment after XXXX or XXXX.
4. I also stated that this charge was posted on my account on XX/XX/XXXX ( Screenshot ) representative then put me on hold to contact other department. Representative came back online and stated they will waive {$25.00} fee off the account ( which was previous late fee amount ). I told representative that will not suit me and I wanted no late fee charges as per company 's letter and I just wanted to make my payment. This had to be reiterated many times until representative stated {$41.00} late fee amount would be removed within 48 -72 hours. I stated that if this would be reflected online so I can review. I did not make a payment today so I can check after amount time after the representative told me it will be removed.

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 2017-08-07 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: Admin Recovery, LLC
State: MA

Complaint narrative:
XXXX XXXX which is with XXXX XXXX originally. It is with admin recovery now I paid in full XXXX XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called XXXX on XXXX XXXX 2017 they said to call admin recovery to do it. Admin recovery said the opposite that XXXX XXXX XXXX has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OH

Complaint narrative:
I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.

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 2017-08-07 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: MD

Complaint narrative:
i already file a complaint about this trough you couples months ago and you send me positive response from the company saying they will delete the inacurate late payment on my account ( see attach ), i call them before to let them know that it still on my account and they said it will take time to disappear ( that was 4 months ago ), i call today and ask to talk to a supervisor which was XXXX after explaining everything he transfered me to a special department supervisor and her name was XXXX and she said she can not go by cfbp either i have to send a proof or me or she will call the company then i need to call wenesday for follow up??
please assist why do i have to go all trough this, i will appreciated if the company can do a play back about our conversation.
Resolve case id # 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