vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Old loan # XXXX, New Loan # ( Created in XXXX ) XXXX, SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida XXXX XXXX XXXX in XXXX. SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. In closing, there will be a complaint filed to CFPB for further investigation into this matter. Also attached to this letter is the legal document Satisfaction Of Mortgage Note And Loan Modification. ID FOR COMPLAINT SENT TO SPS FINANCING XXXX FILED XX/XX/XXXX Please Govern Yourselves Accordingly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Sunday XX/XX/2023, as I was traveling, I unfortunately misplaced my cellphone and it never got back to me. I allowed some time with the hope that it would return to me, but it never happened. Instead, all my accounts : email accounts, banks accounts, social media, etc, were accessed and used on my behalf by the new " owners of my cellphone ''. When I was able to access again to my email account, I noticed that there had been some unauthorized activity on this bank account. I immediately called Bank of America to report this situation ( XX/XX/XXXX ). I also asked them help to change my online banking password, which they did. 
I opened a claim on these two transactions and clearly stated that I did not make these transactions nor know who did it, and that my cellphone was no longer in my possession since XX/XX/XXXX. One of the transactions had not posted yet when I opened the claim, so it would have been easy for the bank to stop it. 
The representative that assist me submitting the claim said " you will receive a temporary complimentary credit for these transaction and once Bank of America finishes the investigation, if they find out that it was not you who did them, the credit will be final ''. I never received that credit. 
Instead, only XXXX business days later, on XX/XX/XXXX, I got a letter from Bank of America telling me this : As a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ( ... ) We now consider this claim closed. 

Clearly, in 4 days there was not a serious investigation by the bank, as I was told they would do. As the letter said, they just " research '' and found what I had already told them, that someone else in possession of my phone took advantage of it and emptied my account. 

If I am telling my bank that there is fraud in my account, that the transactions were not authorized, that I have been the victim of the robbery of my funds, why they can not reverse the transactions? Why they can not stop the transaction that was still fresh and was showing as pending? They could not at least open a serious investigation? 

Frauds may be considered a federal crime, and BofA seems to be taking these cases so lightly. 

By doing nothing and looking to the side, Bank of America is not only damaging me and me family for the loss of our funds, but they are also being an accomplice on this illegal activity.

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 monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX  used my information and publicized it.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as XXXX XXXX XXXX used my information and publicized it.

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 2023-08-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14 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: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: PA

Complaint narrative:
In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Open Status Update : XXXX XXXX Account Type : Installment Status : Pays Account as Agreed Balance : {$480.00} Balance Update : XX/XX/ Original Balance : {$520.00} Paid Off : 7 % Monthly Payment : {$25.00} Past Due Amount : - Terms : 24 Months Responsibility : Individual Account It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind XXXX of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that XXXX takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors. 

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I applied online and was pre-approved for a Victoria Secret card in XX/XX/2023. I received a letter that asked for verification of identity and residency. I emailed and faxed all of the following : front & back of my ID, front & back of my Social Security card, my bank statement, and an utility bill to verify address. The letter from Comenity Bank did not provide a mailing address or a contact number. This seemed strange and/or unprofessional. I went into the local store, and was told to give it some time for processing. The lady said she did not want to have me complete another application and pull my credit againas this would cause 2 inquiries on my credit. 

To date, I have not received a card nor any correspondence to state what happened with the pre-approval. However, there is an inquiry on my credit and my credit score has dropped since there isnt an account attached!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I obtained a recent copy of my credit report and identified unauthorized inquiries that were initiated by someone other than me. They are the following : EXPERIAN 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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
My identity was stolen by this company. They are attempting to collect a debt and I have no legal written or binding contract with this company. 

Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is identity theft. There must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is identity theft as National Credit Adjusters used my information and publicized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally filing a complaint for the following accounts listed on my credit reports for the following reasons : XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX XXXX. XXXX XXXX 
a. Acct # : XXXX b. XXXX reported : XX/XX/XXXX There are several issues concerning these accounts that make them fraudulent and/or illegal. 

The first thing, is there is no signed application. The applications were submitted online and no one can provide me an original application with my original signature. 

The second thing is the credit card agreements were not clear and conspicuous, according to 15 USC 1601. I was not able to make an informed decision regarding the terms of the credit cards and their use. The companies make the agreement so long and difficult to understand, I was not able to make an informed decision. According to 15 USC 1602, since there was no evidence of indebtedness at the onset, the difficult to understand agreement was the only document attempting to explain the terms of these consumer credit transactions. Therefore the only evidence of indebtedness was the agreement.

The agreement did not provide clear and conspicuous " Adequate notice '' as defined in 15 USC 1602 ( k ). Since I was not able to make an informed decision, the agreement is null and void.

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 2023-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I HAVE BEEN FOR YEARS REACHING OUT TO SPS FOR HELP IN CATCHING UP ON OUR BEHIND MORTGAGE. WE get the death ear and we get we CAN NOT HELP!! Our issue has not changed and in the years past they have offered us modifications for a MUCH LARGER monthly payment then what we were already paying. IF we could not pay that amount how were we gon na be able to pay the new amount. WE HAVE ASKED about re financing and ALL OF THE ABOVE. And we get NOTHING in return from them. NOTHING!! We write letters for help send modification requests every month. WE HAVE REACHED out to the firm trying to collect the debt which was stated in their OFFICIAL letter to us, if we can pay. PUT IT IN THE MAIL OVER NIGHT AND IT NEEDED TO BE SIGNED FOR AND NOTHING FROM THE EITHER. No letter back, email nor phone call from either party. THIS IS INSANE! SPS states in letters and on their own line site they are THEY TO HELP!! NO THEY ARE NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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