vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I started a XXXX  XXXX with XXXX XXXX in XXXX and we converted to a XXXX XXXX so I could apply for a loan modification and was referred to XXXX  to assist me in helping with the loan modification. All the documents were sent to my mortgage company ( SPS SERVICING ) from XXXX for the loan modifications originally in XXXX. then SPS state missing docs & I uploaded, then SPS said was blank, then resubmitted the loan modification app and never knew or addressed by SPS that they received the application from XXXX in XXXX who was assisting me with the loan modification. XXXX did their part and no complaints on them or XXXX XXXX. My complaint is with SPS mortgage. I received my denial letter for the loan modification dated XX/XX/XXXX. 

Loss Mitigation Program Decision After careful review of your account, we find that there are no home retention loss mitigation options for which you are approved. Review parameters and details are provided below. 
Please note, " INCOME WAS NEITHER REQUIRED NOR CONSIDERED AS PART OF OUR EVALUATION ''. I don't know why income was not required. DID THEY EVEN REVIEW THE ORIGINAL LOAN DOCS SUBMITTED IN XXXX BY XXXX. 

I also signed up in XX/XX/XXXX for the Covid 19 relief for 3 months and granted but that will be up in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc
State: VA

Complaint narrative:
attempted to sign up for a free trial for some gummies in XXXX XXXX website froze before i could get through the process. i decided to not go through with the free trial. In XXXX the national medical administrators , inc. sent me a letter saying i owe {$110.00} ( twice ) to XXXX XXXX label x. this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *.DISCOVER FINANCIAL SER Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX Personal Loan Companies Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX XXXX : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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 noticed this fraudulent activity on my credit report XX/XX/XXXX. Once I reviewed my credit report I reached out to XXXX and XXXX and they stated that the charges was dated for XX/XX/XXXX in the amount of {$2200.00}. I informed them that I did not go to a hospital or seek any major medical attention that year. 

Original Creditor : XXXX XXXX XXXX Creditor Info : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ardmore Finance Corporation
State: OK

Complaint narrative:
I have an installment loan with Ardmore Finance. It was passed due. My debit card was charged unauthorized {$65.00} on XX/XX/2022. I never authorize the company to charge my card. I am not on auto pay. And when I called the company today, I first spoke with the assistant manager. Assistant manager told me that my account was about to go to legal and that was the only way to stop it. When I asked if I had authorize the charge, she told me she had to check my account and call me back in XXXX minutes. In XXXX minutes the store manager calls me and and tells me that half of her office is on auto pay and somehow my information got mixed up with everyone else 's and my card was accidentally charged. She apologized and offered to refund me. But when I called XXXX other offices to verify if auto pay was even an option for customers, I was told " No '' by the managers. I was also told they were not allowed to give me the corporate phone number so I could talk to someone. I would only get a fax number so the complaint could be in writing. Unacceptable. So I am filing this complaint for XXXX reasons. 1. This charge was unauthorized and it is illegal. 2. I was lied to by the company about the reason my card was charged. Because I've worked in this industry before, I know that this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
BACK IN THE MONTHS OF XXXX TO XXXX OF XXXX NELNET FEDERAL STUDENT LEARN SERVICER REPORTED TO THE MAJOR CREDIT BUREAUS THAT MY STUDENT LOANS WERE XXXX DAYS PAST DUE WHEN THEY WERE IN DEFERMENT FOR WHICH I APPLIED FOR AND BECAUSE OF COVID WERE AUTOMATICALLY PLACED DEFEREMENT AND FOREBEARANCE AND ARE NOW CURERENT BECAUSE OF SUCH REASON, CONTACTED LOAN COMPANY AND EXPLAINED SITUATION AND THEY REFUSE TO DO ANYTHING OR FIX IT WITH THE CREDIT BUREAUS, AND NOW THESE INCORRECT REPORTINGS HAVE CAUSE ME TO BE DENIED CREDITAND WOULD LIKE THEM CORRECTED ASAP ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: OH

Complaint narrative:
On 3 separate occasions I asked XXXX, Trans Union, and XXXX to dispute a collection on my credit report as incorrect. I asked for pictures as well as their documentation as I have mine. None of this was provided by the collection agency reporting the debt nor any of the 3 credit reporting agencies. When I tried to dispute again I was refused. They said the information was correct as reported by the company. When I asked what information was correct each reporting agency was UNABALE to give me that information. When I asked were they able to provide pictures they were NOT. I was able to provide that I paid on time and in full up until 3 weeks before my lease was up. I did NOT leave any damages NOR any furniture behind. They were UNABLE to provide any pictures proving their claim that I did. They rerented the apartment immediately after I moved out. I had a deposit of {$570.00} That should have covered majority of any moved out expenses. They did not report it to any collection agency for 3 years. So I was under the impression that everything was okay. Now I am finding out I owe {$2800.00}! They say I owe XXXX water bills. That is not possible as it was built into the rent. I Have proof from YES MANAGEMENT who does their billing that I OWE NOTHING for water, sewer, trash, nor rent. They also owed us {$100.00} at the time we moved out for a referral bonus. That was never applied to anything. Our lease was up XX/XX/2020. We moved out XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX of XXXX I opened a XXXX credit card with TD Bank. Since then I have had exceptional payment history thats not being reported by XXXX. 

I reached out to TD Bank and they told me they are reporting this account to XXXX. 

XXXX is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: MA

Complaint narrative:
XXXX XXXX  reported me delinquent on payments due to the amount being lower than an increased monthly mortgage payment that had not been communicated to me in an effective manner. Additional delinquent fees were added and not communicated causing unapplied mortgage payments and additional fees. XXXX Bank reported me delinquent to Credit Agencies and my score was lowered by XXXX points. 

Note : All of this occurred within the 60 day grace period after the transfer of my mortgage to XXXX XXXX. 


XXXX XXXX XXXX  acquires my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX Ma ) XX/XX/XXXX - I received a notice of low payment and began engaging XXXX XXXX  customer service in order to sort out the problem. 

XXXX XX/XX/XXXX - I continued trying to work with customer service with no resolution or even learning exactly what the problem was XX/XX/XXXX - After working with customer service, I was under the impression that all accounts were settled and up to date. 

XX/XX/XXXX - I learned that my credit took a major hit. Engaged customer service again and was told to dispute the issue by sending a fax ( see attached document ) XX/XX/XXXX - I learn that my credit score has decreased by XXXX points. I called customer service and they told me there's nothing I can do because the bank rejected my dispute. 

If more detail or documentation is required, please let me know.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: IL

Complaint narrative:
this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my 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 non-monetary relief