vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
Beginning in XXXX, we recognized an issue with our retirement income and medical bills and realized it would affect our ability to pay our mortgage serviced by SPS. We immediately reached out and were initially told that since we were not behind in payments, no modifications were available. Once we were a month behind, we began to send in required documents to see what we qualified for. This had to be done several times. After several months we were told we could still not get a modification as they did not offer those. Instead, a repayment plan at a different monthly rate of double our mortgage payment was offered. We were told that if we did not sign the repayment plan that foreclosure would immediately commence. We were able to borrow the money to catch up and were initially told that we still needed to sign the repayment plan. We did not as that was no longer applicable. We tried immediately to work with servicer to prevent this issue from reoccuring and were once again told that since we were not presently behind, nothing could be done. Beginning in XXXX, I reached out again for a modification. Submitted documents. Was again told that modifications are not available and to pay past due or foreclosure proceedings would begin XX/XX/2023. I was informed of an SPS webinar that I should register for. I registered and attended the webinar on XX/XX/2023. It was regarding a XXXX XXXX settlement and options for home retention. The webinar essentially told the attendees to call customer service. Questions were allowed to be typed in and I asked if modifications were available. I was told to call customer service. I have made clear to SPS that I wish to keep my home of 50 years and have tried diligently to take a proactive approach. SPS 's response has been vague at best. When I am current, there is no help available. When I am behind I am told to immediately repay the amount or double my payment. I have established retirement income and have made the attempt to simply communicate with the servicer in a way that is beneficial to both parties. The information I am given is either non-existent, non-applicable, or misleading. I simply wish to speak with the servicer about a modification that they state in every document is available and instead of having me submit the same documentation three times and then tell me they do not offer modifications, to constructively attempt to offer something they say they offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 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: NJ

Complaint narrative:
Upon looking over my credit profile I noticed that there are 5 accounts that I do not recognize

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed.

As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, Transunion, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # 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 2023-08-10 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: Freedom Mortgage Company
State: MD

Complaint narrative:
Dear Sir/ Maam To whom it may concern, I have a few late payments to my XXXX # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XX/XX/XXXXunexpectedly. 
Her XX/XX/XXXXwas and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XX/XX/XXXXunfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XX/XX/XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed. 
As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, XXXX, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXXXX/XX/XXXXXXXX XX/XX/XXXXMD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # 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 2023-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was defrauded by a mechanic shop and filed a claim with Bank of America in XXXX. I purchased a full Synthetic oil change and a complete engine tune up and the mechanic performed the wrong oil change and an incomplete tune up. When contacted, the staff apologized and agreed to fix some of the work and provide and immediate partial refund. When I went to the shop, the owner of the shop brushed off the other employees and approached me for a confrontation. He berated me and stopped the pending refund. His demeanor was aggressive and I honestly worried that, despite his advanced age, he would hit me. I told the staff the situation was unsafe and left. I contacted Bank of America about the failed repairs and was told I neednt worry. I also contacted the XXXX XXXX XXXX and a local association of auto mechanics about the problems. A short while later, I received an apologetic call from the mechanic, who offered me a refund if I returned to the store. Fearing for my safety, I told them that I did not feel comfortable returning to their property and had filed a claim with my bank for the work they had failed to complete. A few weeks later, I was provided with a temporary credit. Today, inexplicably, it was rescinded and the {$460.00} was withdrawn from my account. This is outrageous. A mechanic, who tried to physically intimidate me, failed to perform the agreed to repairs and I wasnt even consulted before they made the ruling. I would have provided accompanying documentation and possibly had the local police involved if they had asked.

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed on my TransUnion report a new account to which I was never notified or given a chance to settle its in the amount of XXXXXXXX XXXX  and it appears to have been sold to XXXX without my permission, it further appears to be from XXXX XXXXXXXX. XXXX seems to think they can just report things to TransUnion because they know that TransUnion will do nothing to verify its validity.

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 2023-08-11 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:
Transunion refuses to investigate and delete unrecognized inquries, I have sent certified mail disputes, and phone disputes since XX/XX/2022 and they refuse to delete these unrecognized inquries. They told me they will sit there for 2 years without filing a FTC report. I would never accuse anyone of something I'm unsure of which is why I requested an investigation. This should not be allowed. Plus they are very rude people. No compassion or respect for anyone. As soon as I call the first thing they say is " Are you calling again to dispute inquries? '' I'm just at a lost for words on how they can treat people this way.

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 2023-08-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-08-10 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 am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information. 

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We received a letter from Bank of America refusing to speak to my husband regarding all details concerning this Mortgage even though I sent a signed certified letter to them on XX/XX/2023 ( Certified Mail - # XXXX ) authorizing this. 

In the most recent letter we received, they claim they never received such authorization. Yet, in the same set of correspondence they acknowledge having received my certified letters. 

Finally, it appears Bank of America, in response to valid complaints, is committed to saying " we have nothing to substantiate your claims '' which to a lay ( non attorney ) person means -- " We are not going to seriously look at your complaint, so sue us ''. We don't believe you have the resources/deep pockets to pursue a lawsuit where facts can be discovered to prove the truth of what you claim even though we know exactly what is taking place. We'll take your money, but we can care less about you. '' Sadly, this appears to be true. I maintain hope that something can and will be done.

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XXXX XXXX I tried to withdraw {$500.00} the atm only give me {$450.00} I counted my money in front of the atm I tried to pull {$50.00} more off I couldnt at the same atm but could at the store atm across the street from Wells Fargo bank

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 2023-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-08-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CVB FINANCIAL CORP.
State: CA

Complaint narrative:
I am guarantor on this loan, for my daughter XXXX XXXX, secured to office building in XXXX. 
We are current and upto date on loan and as per the terms we have provided them with annual tax returns since XXXX. 
XXXX XXXX Bank was taken over by Citizen Business Bank and they now claim that we never provided XXXX with XXXX returns. 
I am concerned that my sensitive financial and personal data has been misplaced during transition and instead of due diligence in trying to recover those returns, they are threatening me with remedies due to loan default. 
Loan is being handled by XXXX, CA branch

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX My Email : XXXX My phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX My car was totaled as of XX/XX/2023. I had liability insurance so XXXX XXXX placed XXXX insurance ( comp. and collision ) on my account. I opened a XXXX. Claim on XX/XX/2023, and I have XXXX insurance that was placed on my loan as well. I have been paying on time for the last XXXX years. An accessor deemed my vehicle totaled. I was then given a voicemail in XXXX that my claim would be closed due to XXXX Auto didnt fund or make a payment on the XXXX insurance. My account was then transferred to XXXX. So, my vehicle has been sitting totaled at an auto body shop for several months now and the shop owner is wanting storage fees. The vehicle is in CA at this shop and XXXX still getting collections calls and emails from XXXX to make a car payment and no help on my claim. My claim number for XXXX was XXXX. I appreciate your help and immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: MD

Complaint narrative:
To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and they need to be deleted/removed from my credit report. I also recieved an alert on my XXXX  account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 


Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XX/XX/XXXX Collection Account : XXXX XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report. 
Date Opened : XXXX XXXX, XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10 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:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. C.1681s-2 ( A ) ( 1 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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