vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: IL

Complaint narrative:
On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other XXXX XXXX XXXX. Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. XXXX XXXX XXXX - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. XXXX reported to Experian that the information is accurate. This is the information on the Experian website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at XXXX XXXX XXXX, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to Experian. I opened a new dispute with Experian. I mailed copies of both the police report and the XXXX letter because for some reason the Experian website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

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 2021-06-28 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: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
I disputed key 2 recovery ( Indiana XXXX ) with XXXX XXXX on my credit report that was discharged as part of my bankruptcy. I provided court documentation to XXXX after contacting this company XXXX XX/XX/XXXX. This item was discharged XXXX of XXXX but continues to remain on my credit report even though its been established that I am not liable for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On two different occasions I sent letters to Transunion about my inquiries. I have not received a response from Transunion. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..

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 2021-06-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Update to my complaint XXXX complaint CLOSED -- Select Portfolio Servicing , Inc. replied that they won a judgement in XXXX XXXXXXXX, but the XXXX did not pay them. That is demonstrably false. I have reviewed my records from my XXXX XXXX, and the XXXX denied that claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear Sir/Madam : RE : XXXX XXXX XXXX i/n/o XXXX XXXX ; XXXX XXXX ; card # XXXX. 
At sometime in XXXX of this year the referenced credit card company closed my account for non-payment, which was partially due to my negligence and isnt relative. What is though is that XXXX placed the account for collection as # XXXX at {$1000.00} in my name. As per the collection concern LVNV LLP ( XXXX ), I owe {$400.00} and change, which I am willing to pay. Please assist me in changing this. 
My contact information is on my resume, and my email address is XXXX. 

Eagerly Awaiting Your XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
Recently I have learned about my consumer rights and realized a correspondence from Sequium Asset Solutions LLC received on XX/XX/2020 threatened to damage my consumer report in which they did by dropping my score by XXXX points as you can see in the attachment. I have recently sent a cease and desist along with a debt validation to Sequium Assets Solutions, LLC and have yet to receive any correspondence. I am asking for Sequium Asset Solutions , LLC to stop destroying my credit and stop violating my right to dispute the validity of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Today, XX/XX/XXXX, was just notified that my automated payments for one of three houses we have loans through with PennyMac had not processed. Woman said they had called and emailed and sent letters, none of which were received. No attempt was made to contact or dispute the issue. Automated payment is made through their website, no contact was made that the amount had changed. I receive 10 spam calls a week on refinancing and new loans, nothing on my actual loan. 

payment was made within the hour. Called to confirm it was pending, will call tomorrow, XX/XX/XXXX to confirm payment went through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
On two different occasions I sent letters to XXXX about my inquiries. I have not received a response from XXXX. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: OH

Complaint narrative:
I never gave written instruction to furnish my report 15 usc 1681 violation

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 2021-06-28 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: OH

Complaint narrative:
I never gave written instruction to furnish my report 15 usc 1681 violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Submitted a dispute with Equifax XX/XX/21 and the confirmation number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TransferWise Ltd

Complaint narrative:
Dear wise.com is a wire transfer company. 
I tryed to send payment transfer and the company ( wise.com ) canceled the payment and charge my credit card with the amount of ( {$300.00} ), I asked my bank many times and they inform that wise.com never refund this payment to you. 


Please resolve this issue because I been waiting since more than ( 60 ) days to recieve this amount back to my account. 


Visa card end with ( XXXX ) Amount ( {$300.00} ) Date of payment : XX/XX/2021 Attached company reciept. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I received a title loan in 2019 with Title Max. I never missed a payment but when covid happened I had trouble paying some months. I lost both my jobs and title max didnt care they still added interest and I received harassing phone calls daily. I finally borrowed the money from family to pay it off because they started threatening to repossess my vehicle. Title Max is a scamming company who prey on people who are experiencing hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: International Computer Systems, Inc.
State: NE

Complaint narrative:
First Collection Services is aware that this alleged debt is the result of identity theft and still asked me to pay on this debt and still attempted to collect as well as report in my credit report. They have investigated this account and have not correspondent with me anymore. I have recently sent a cease and desist along with a notice stating I am disputing the validity of this debt on XX/XX/2021. XXXX XXXX of First Collection Services responded by stating they will no longer communicate except as allowed by law. But the law doesn't define specific communication just that if a consumer asked a debt collector to cease communication they must cease all communication. I also sent over that I am disputing this debt and that I was requesting an audit trail pursuant to federal rule which I did not receive. Because First Collection Services has ignored my right to dispute the validity of this debt I am asking the CFPB to step in and help enforce the law and my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Skopos Financial, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I am writing to file a complaint against Skopos Financial, XXXX, and XXXX.

I have made several disputes with the credit reporting agency reporting that Skopos Financial was not accurately reporting information. The balance that Skopos Financial is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that Skopos Financial provided. I recently sent a debt validation letter to Skopos Financial requesting that the lender provides transaction and balance history. Per the documents provided by Skopos Financial on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has Skopos Financial provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Skopos Financial to date. 

I am requesting your assistance in putting an end to this matter.

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 2021-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America posted on their website ( which is still on there as of XX/XX/20 ) FALSE ADVERTISING!!! ON THE WEBSITE IT CLEARLY STATES XXXX points for new spirit card but are only giving XXXX rather that what shows on the website. They are aware of THEIR LIE to trick people into applying and saying we dont care they refuse to fix it AND ITS STILL ON THE WEBSITE. Give us our XXXX points you owe us. Liars doing whatever they can to make a sale. How embarrassing.

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 2021-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX I received an email alert stating that I had a pending credit application for a credit card through Capital One. I also received notification through my XXXX XXXX  app that I had new inquiry on my credit report from Capital One. 
I contacted Capital One and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. Capital One cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by Capital One that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX  report, but XXXX  said I had to provide them with a police report or FTC report. That's how I ended up here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a voicemail on Friday XX/XX/XXXX stated in being served. I called today XX/XX/XXXX twice once at XXXX XXXX  and once at XXXX XXXX. When I called they said they where attempting to collect a debt from Chase visa bank. Date of unpaid credit card debt XX/XX/XXXX. It didnt sound right so I asked if I could verify who they where. XXXX XXXX XXXX. They said theyre from XXXX California and they would go after anything like automobile, money in my bank as well as garnish my paycheck. After soon research online I realize my account had a statue of limitation. So during my second call I asked about it and XXXX said be a man and pay just pay. When I said I was reporting him he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Key 2 Recovery, Inc.
State: NE

Complaint narrative:
I recently received correspondence from XXXX University that they were not attempting to collect on this alleged debt and I am not sure why Keys 2 Recovery is Attempting collect on. I have recently sent a cease and desist along with a request for an audit trail and have not received any correspondence from Keys 2 Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: IL

Complaint narrative:
I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
After losing my job in 2019 i requested help from my lender for mortgage assistance. I was willing to pay and only wanted to redo my loan to something i could afford. After almost six months of back and forth i was denied and they would not accept partial payments to try and catch up so they filed for foreclosure. Then XXXX hit and the courts were closed down until in XXXX my loan was sold to another company which meant that i had to start over which i did but after 3 attempts the new mortgage company denied me and continued with the foreclosure. I have repeatedly tried to try and arrange a modification to stay in my home of 50 years but they basically said i was out of luck. I am willing to pay my mortgage all i wanted was a reasonable payment that i can afford but they refuse to work with me.

Company response to consumer: Closed with explanation