vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
We have paid consistently since XXXX. They have changed the payments every so often. They filed a foreclosure action back in XXXX or so and because of circumstances, forced us to enter into a temporary modification to repay and we made every payment and have done so. Then for some reason, even though we paid monthly, they filed foreclosure action again. We entered into another loan remp modification, made temp payments as agreed, but when temp modification concluded, they presented us with a new permanent loan modification that would have added an additional {$110000.00} of interest onto our balance. When I did all the calculations for them and did all the comparisons for them in detail, they did not even bother to respond. In facet, they said take it or leave it, but they did accept payment for every month since the foreclosure has been filed. It should be noted that the present rate of our mortgage is 6.9 %, over 4 % the going rate. They apply funds any way they see fit. We have requested on several occasions to work with us to resolve the matter because we pay, we have Illness in the family including XXXX, Post XXXX XXXX XXXX, XXXX XXXX XXXX, and still made payments every month the foreclosure has been pending, but without rational explanation, proper accounting of funds posted and proper rebuttal to the outrageous proposal in their original loan modification, they refuse to offer any reasonable mitigation or modification instead move like a predator. All this can be documented upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: DC

Complaint narrative:
I am XXXX XXXX XXXX, and I am submitting this complaint myself with no third party involved. I reached out to XXXX, XXXX and Equifax, credit reporting agencies, via Certified mail on XX/XX/2021, asking to verify all debts from DEPT OF EDUCATIONXXXX that was fraudulently furnished by them on my consumer report ; according to 15 USC 1681b . There were no responses to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
This account has been paid off, In addition, I did not consent to my private health information ( PHI ) to be shared with creditors or credit reporting agencies, so how did you obtain this information? I requested your Health Insurance Portability and Accountability Act clearance, name of the registered agency company, and license information and you failed to comply. This is violation of the HIPAA Privacy Rule and this needs to be corrected. Otherwise, delete the account below immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 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 account completely from my Credit Reports : XXXX  XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the XXXX Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: FL

Complaint narrative:
To whom it may concern, According to my credit report, there was an amount of {$5000.00} fraudulent charge that was committed under my name for XXXX. This started back in XX/XX/2018 and upon finding out I have been in dispute with the 3 Credit Bureaus regarding this fraudulent account since then. It has been over 6 months since I've been fighting this case and the case has yet to close and remove from my credit report. I sent about 9 letters requesting to show proof and informing that this debt was and is not mine, their only response to me is a " generic response '' stating that the debt is indeed mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am complaining Bank of America as follows ; My local bank " XXXX XXXX Bank '' in XXXX, send a " RECALL OF THE FUNDS '' to Bank of America in XXXX ( copy attached ), however, Bank of America did not response to my local Bank till today. 

See below the refund request sent from my local Bank in XXXX to Bank of America : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX, VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR URGENT REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
RXXXX XXXX XXXX XXXX XXXX XXXX { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX DEPART .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR SECOND REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
REGARDS CLIENT SERVICES STANDARD CHARTERED 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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has not provided me with sufficient information to verify that I am obligated to pay this alleged debt. Nothing provided in their original response is proof of validation under 15 USC 1692g. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have been a victim of identity theft. I opened an experian account and realized there were many accounts that were not mine. I have sent all the supporting documents and I need this account removed from my bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NJ

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
. I have submitted over XXXX letters to your ENHANCED RECOVERY CO L providing the appropriate documentation of this fraudulent account. ENHANCED RECOVERY CO L keeps on adding this account for {$280.00} and a second on for {$870.00} my credit report with different dates and time. 
Also, no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to recived all evidence being requested in this letter. 

ENHANCED RECOVERY CO L XXXX Collection opened XX/XX/2019 Account type Collection amount {$280.00} ENHANCED RECOVERY CO L sold XXXX of the collections for {$870.00} to XXXX XXXX XXXX. This XXXX companies every month remove this collection because they have no records as to why am I being charged does amounts and after XXXX week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
There is an account listed on my credit report that is NOT mine. I have disputed it several times and it still appears and need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from Transunion, XXXX and XXXX and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each Agency made me disclose my entire social security number which should not be asked for. Transunion, XXXX, and XXXX could have requested the last four. 

Transunion, XXXX and XXXX have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
Transunion, XXXX and XXXX are also selling my private information with out my consent which is aggravated identity theft.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
I have been trying to get my money back from binance.us/en/home for over a week. They took deposits from my checking account but after I have followed their instructions they refuse to link my XXXX account so I can withdraw my us dollars from binance.us account back into my checking account through their ach. THEY ARE STEALING MY MONEY. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/2021 they called me 17 times in a row at XXXX XXXX XXXX XXXX portfolio recovery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
This debt has been sold to FRANKLIN COLLECTION SV by XXXX XXXX XXXX XXXX. I have submitted over 3 letters to your XXXX XXXX XXXX XXXX providing the appropriate documentation of this fraudulent account. This account of {$870.00} keeps on being sold by debt collectors and added every month to my credit report with different dates and time. 

Also, I have previously contacted XXXX XXXX XXXX  to obtain details on this account and they state they have no information on regards to this amount owed or the account. no information on regards to this supposed account has been provided by your company by mail as previously requested. If it is true that I owe this amount to your collection department you should have documentation supporting your claim. By law I am entitle to received all evidence being requested in this letter. 

Account number XXXX Collection opened XX/XX/2021 Account type Collection amount {$870.00} XXXX XXXX XXXX XXXX sold one of the collections for {$870.00} to FRANKLIN COLLECTION SV. This two companies are fully aware and I have provided them with proof of my identity theft. Every month they remove this collection because they have no records as to why am I being charged does amounts and after one week of removing they enter the information again. I have sent more than 3 letters to each with no resolution. this people are destroying my credit intentionally and with malice as they are aware of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 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: NY

Complaint narrative:
My name is XXXX XXXX, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my XXXX given rights as a natural person. TransUnion, XXXX and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

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 2021-11-12 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: GA

Complaint narrative:
I have tried repeatedly to go to Experian to rectify this identity theft problem. The latest one they told me is that I needed to upload the police report and copy of my driver 's license into their portal and when they get it they will promptly remove the disputed items. Their website does not let me upload the DL pictures and I don't know why. They are in black and white and under XXXX and it still won't take it. 

The items that need to be removed are now with an attorney and the card issuer is being sued and at this point, I am contemplating adding Experian to this also due to the lack of working with me and doing the right thing. I need these items removed from my report as they are fraudulent. 

I demand these be removed immediately and be blocked from reporting anymore as this is my right in an identity theft case. The other 2 bureaus have already done so and Experian is not complying. 

XXXX - acct number - XXXX XXXX XXXX - acct number - XXXX - {$1100.00} XXXX XXXX - acct number - XXXX - {$6000.00} XXXX XXXX XXXX - acct number - XXXX - {$3000.00}

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 2021-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NC

Complaint narrative:
Good afternoon, I just need my information such as payments made to be corrected in the system. I made plenty of payments to ACS servicing but only a few were documented when my loan was turned over to XXXX XXXX. My balance actually went up instead of decrease. I was under the impression, I was refinancing but that wasnt it. There no way you can go up when I have been paying on the account since 2005. I just need my account updated. Now there is no way to contact ACS directly because they dont do loan servicing. Thank you

Company response to consumer: Closed with explanation