vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
XX/XX/XXXX Specialize Loan Services ( SLS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX RE : Consumer Financial Protection Bureau Previous COMPLAINT ID : XXXX, Submitted XX/XX/XXXX Outcome : As of XX/XX/XXXX, Specialize Loan XXXX XXXX XXXX ) responded to the complaint. However, XXXX Failed to Resolved the matter in the complaint. 

I am submitting a new complaint because SLS failed to Resolved the matter in the above-mentioned complaint ( attached ). 

SLS Mortgage indicated in their response to my original complaint ID : XXXX that they contacted me regarding the AHFA information needed to resume my payments. This information is not accurate. However, I did received numerous HARASSING collection communications from SLS Mortgage. 

In addition, as of this writing, SLS, has not corrected the issue of my complaint ( attached ). The Mortgage company indicated in their response that addition information was submitted to XXXX to resume payments on XX/XX/XXXX. This is unclear, my loan was not transferred to SLS Mortgage XXXX until XX/XX/XXXX. Also, SLS did not do what they said they were going to do to resolve the matter. 

As of this writing, 1. have not received confirmation that AHFA has received the required documents from SLS MORTGAGE to resume my mortgage payments 2. and the Credit Reporting Agencies has not been updated to remove ALL derogatory reporting from my credit report. 

In fact, according to XXXX XXXX ( AHFA Supervisor ) email ( attached ), dated XX/XX/XXXX, their office still has not received the requested mortgage information to resume my payments. The email further states that there are 43 other homeowners information that SLS has failed to submitted to their office. For that reason, they have forward to the HAF Administrators due to SLS failure to cooperate.

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 2023-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I recently opened a Citi Acceperate Savings account ( approx 30 days ago ). Once opened I transferred {$50000.00} into the account via XXXX from an external bank ( Bask ). 

On attempting to log into my online Citi account I was not able to and recieved a message that my account had been blocked and to call a number for more info. I called and was told that the account was flagged for closure due to fraudulent acitivity and that this process would take 30-60 days and after that time my {$50000.00} would be returned via a check sent in the mail. 

I protested this and told them to close the account immediately and return the {$50000.00} even quicker. Citi refused and kept telling me the same.

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 2023-01-19 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: NV

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-19 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: NV

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-01-19 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: NV

Complaint narrative:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: MD

Complaint narrative:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-19 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX This bank charges account inactivity fees as many banks do. However, what this bank also does is disable your online access to your account when they begin charging your fees. I've now been on the phone over XXXX XXXX trying to reenable this account so I can transfer my funds out. 

This practice seems as if its goal is to ensure it is as difficult as possible for people to : XXXX. Notice that their account is getting inactivity fees XXXX. Withdrawal funds from their inactive account, ensuring the bank maintains control over the funds and can gain from the inactivity fees. 

It is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: KY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX Balance : {$4300.00}

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 non-monetary relief
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Today, on XX/XX/2023, I was Notified of a drop in my score on experian by XXXX points. I went to check it out because I pay very close attention to my reports. Checked XXXX and saw the same result. In addition to checking my reports regularly I havent received any mail in quite a few years regarding a validation of debt from a debt collector. The name of the company is southwest credit systems based out of Texas and they are in violation of CFPBs debt collection rule and are not abiding by the provisions of the FDCPA. I was never notified of this particular debt nor given the time to verify its validity. I was never spoken to in person, by phone, by us mail or electronic mail regarding this debt. I have been working on increasing my XXXX XXXX and diversifying my profile extensively and know better than to ignore the Initial letter. Placing a collection on my reports and dropping my score dramatically before going through the proper channels is an unfair practicing act on behalf of southwest credit systems. I would like this detrimental inaccurate information removed from my report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without error or any influence from a third party agency. Please see the following attached documentation and meet my requests in a timely manner. I have never authorized or gave written consent to any 3rd party to furnish my data with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-19 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: KY

Complaint narrative:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19 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: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX : {$10000.00}

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 non-monetary relief
Consumer complaint received 2023-01-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover has been contacted several times for help to deal with a health matter that occured in 2022 and now is permanently going to affect my life as I have advised them that my financial situation is dire due to my health condition deteriorating to the point where I am in a position where I am facing a XXXX XXXX XXXX XXXX where my income is obtained through Social Security XXXX. 
I have requested help from Discover to reduce the amount owed as I am faced with the limited income and high medical expenses and income that is tied up for basic needs. 
The response has not been made to do anything to help me at all. 
I have requested their policies in be provided in written form. At this point their position has been to ignore my written correspondence. 
I have requested that this matter be kept confidential but not ignored. 
My health condition is permanent and having no options has me very concerned. 
The payments for the Discover account has been covered by a family member to help me with this permanent hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2023, I was victim of fraud. I received a call from chase asking me did I authorize a transaction on my account, and I said no to the automated system. I then received an email that my debit card had been added to a XXXX XXXX wallet at XXXX. I don't own a XXXX phone, so I got in my car and drove to the nearest chase bank, and I got there at XXXX. Once inside the bank the chase employee that I was speaking to about the suspicious activity told me to open my chase app on my phone and he noticed that transactions were happening minutes before and while I was in the bank and they had taken {$11000.00} dollars from my checking account, so he helped me shut my account down and change all my accounting information. He called fraud services in front of me and explained to them what was happening and that the person that got a hold of my debit information had a XXXX phone and he informed them that I didn't have a XXXX phone, that I had an XXXX. The fraud person asked me if I had let anyone use my debit card and I stated no. He told me that I was insured and not to worry and that I had fraud protection, and the money would be returned in XXXX business days. I waited 3 days, and I called XXXX XXXX XXXX just to see if they found out anything, they told me not to worry and I would receive the credit for the money. I waited for 10 days, and I called fraud services XXXX at XXXX and they told me that my claim was denied because my information hadn't changed, like email, address or phone number and they can't prove that it wasn't me. I called the bank that I went to on the XXXX of XXXX and the relationship banker called the fraud team and explained to them that the transactions had been overseas transactions because there were foreign exchange rates on my account from the same name that posted the XX/XX/XXXX which clearly wasn't me. The transactions were happening and posting after i received my new banking information. The banking officer told me that this was very strange, and she was asking the fraud team to issue me a credit because she could see that it wasn't me and I was standing in the bank as this was happening to my account. The fraud team told me that the case was closed and that it's not able to reopen. I reported the suspicious activity and was told that I was insured then told that they wouldn't honor their motto of the protection services. As the bank can see all the transactions were foreign exchange transactions

Company response to consumer: Closed with explanation