vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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 with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by XXXX.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have 2 homes which have never been paid late 1 car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.

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 2021-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC 1XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or XXXX I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: MA

Complaint narrative:
I had to pay XXXX College the remaining balance on my bill of XXXX in XX/XX/2020. I agreed to pay as long as they would remove it. They said they would. I ended up paying off the collection but now both the debt collection agency and the school have refused to have it removed. Its like I did what I was asked to do now they are refusing to remove it and refusing to respond to me.

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 2021-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
At some point in early XXXX I contacted XXXX XXXX to inquire about a less costly home owners policy. The normal prerequisites were supplied and was rejected by me in an E-Mail dated XX/XX/2012. XXXX am. All action by XXXX showing my acceptance occurring on XXXX XXXX ( XX/XX/XXXX is a Sunday?? ) one day before my rejection E-Mail dated XX/XX/XXXX, which is attached. 

I did not sign or initial anything XX/XX/XXXX or at any other time. 

A premium for the this homeowners insurance was deducted from my escrow account by Specialized Loan Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. showing a payment dated XXXX, XXXX ( SUNDAY?? ) to XXXX XXXX for {$1400.00}. SLS knew I had another active policy with XXXX. 

Unknown by me, XXXX was continued and {$1800.00} was paid from my escrow on XX/XX/XXXX for renewal by S.L.S. I now have two HO policies, resulting in an large increase in escrow payments and therefore a large increase in my monthly payments. The XXXX payment shows this as occurring on XX/XX/2012 ( again this is Sunday XXXX which was one day ahead of XXXX receiving my rejection. 

The XXXX agent who handled this was XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX I am XXXX years old and my only income is Social Security, the increased payments push my monthly payments out of reach with the possibility of future foreclosure.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: CO

Complaint narrative:
I have been able to deposit money on my card, and so has another party which I have done work for. My account is locked and nobody at the call center has helped me, even after having tried multiple times to get this resolved.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I made a payment of XXXX on the credit card and the funds were deducted from my checking account and received by the credit card bank but not made available to me as credit. This took place on XX/XX/21. This not the first time that this has happened. They advised me that the funds would be available in 7-10 days. That means they are using my money for 7-10 days for investment or other uses. In addition they arbitrarily lowered my credit limit without advising me and as a result I had a purchase declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
This is my second complaint against US Bank regarding the same matter. They responded stating that deposits were made and that I didn't submit anything regarding the payments being fraudulent. However, I was give case # XXXX by the fraud department when I spoke with them on XXXX to clarify that the accounts were closed. At that time, my alimony had not been deposited and I was re-assured that it would get kicked back because my accounts were on holds. Yet, days later I found out that my account had been unfrozen to take my alimony payment and immediately following, the accounts were closed. 
As stated before, I started with the customer service department who referred me to the fraud department who referred me to the branch manager who couldnt take the time to speak to me but referred me to the recovery department who didn't have a clue why I was sent to them in the first place. For the last time, I did not write or deposit these fraudulent checks. I was scammed out of the money, but I did not have anything to do with the fraudulent checks.

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 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: IL

Complaint narrative:
Opened a secured credit card online and found out they do not accept online payments, only over the phone with a {$10.00} charge. Cancelled the card prior to the card even arriving. The rep refused to give me my account number when I tried to close the account. The account was opened and I hadn't received the information yet, but was opened and reported on my credit. The rep said I didnt need to mail anything back or in. The company said it would take 10 weeks to receive my deposit back but couldnt tell me what account number was closed and collected an annual fee from my cancellation ( which was fine, but was unable to advise the account the fees were being taken from ). I asked to he transferred to a supervisor and she refused to transfer me or give my information to me. 
Call : XXXX XXXX  cst With : XXXX XXXX XXXX Customer Service Rep, XXXX XXXX XXXX : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Synovus Bank
State: GA

Complaint narrative:
My name is XXXX XXXX and I am writing on behalf of XXXX 's XXXX XXXX. 

Synovus Bank 's staff have made a serious of errors costing us {$670.00}. 

Two months ago we filed a dispute with Synovus for inventory not received from XXXX for {$670.00}. We updated our number with Synovus last month from XXXX to XXXX, but today their dispute department 's manager claims they did not update it as we had asked! Their dispute staff closed this case against us claiming they could not reach us on the number we had changed! 

On the phone their staff claims there was a letter sent to us as well, but again we did not receive any letter asking for more information on the case even though I confirmed our mailing address with them! 

They are now refusing to reopen the case or recredit us because of their staff 's mistake hurting us greatly and leaving our account at negative {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In attempted to read out to all credit bureaus regarding incorrect addresses and invalid inquiries on my reports however all three credit bureaus have failed to remove

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 2021-03-26 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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX  XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MS

Complaint narrative:
Greetings, I recently refinanced my home ( closed in XXXX of XXXX ). My previous mortgage company claims they made a tax payment at the end of XXXX. The closing company for my new mortgage company actually made the payment ( see attached files from the county with XXXX XXXX referenced as the company that paid the taxes ). I wrote AmeriHome, my previous mortgage company, with a written complaint. It arrived at their offices on XX/XX/XXXX and I still have not received any written correspondence as of XX/XX/XXXX even though their website claims they will respond confirming the receipt of my complaint and address it. 

I have included the county tax records here showing that AmeriHome did not make the payment they claim they did. 

Thank you for your assistance, ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: WA

Complaint narrative:
I discovered upon checking my credit that my mortgage servicer ( XXXX XXXX XXXX has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26 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 — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer Sps Select Portfolio Services original mortgage US bank property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX  property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for 12 years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. MORTGAGE Servicer XXXX XXXX XXXX XXXX original mortgage XXXX XXXX property.

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 2021-03-26 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: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I was never late on my mortgage, I demand proof or remove in XXXX  days

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