vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 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:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX XXXX  AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank has fail again and again. In other words they are good THIEVES. They are not taking responsibility on the money that my mother deposit at their branch. They are washing their dirty hands so easily with the 7 years records. Well, I Demand to Wells Fargo Bank to provide annual statements of the CD ( Time Account ) statements as well renewal notices! We demand proof of delivery of such notices with the US Postal office stamp showing the date of mailing. Also any actions they did with the account my mother XXXX XXXX XXXX opened at Wells Fargo Bank on XXXX, Account Number : XXXX in the amount of {$10000.00}. 
Per my prior filings Wells Fargo Bank representatives fail there procedures and negligence in contacting my mother each year about her Time Account CD renewals. I know Wells Fargo Bank representative mix up driver license when the account data was inputted so they can not find my mother with the CA driver license, however if they ask her for her social security number, then you can locate all her accounts with Wells Fargo Bank. The bank representatives are lazy and do not go beyond their job responsibilities to research and investigate. So the times she went to a local branch they claimed no such account. Any way on XX/XX/XXXX they found her CD account by inputting her social security number. Once again the bank representative inputted the wrong Driver license, so with that they can not find my mother 's CD account. I have asked them to search driver license CUSTOMER ID/DL : WRONG : XXXX, Date of birth : XX/XX/XXXX CORRECT : XXXX. So my mother has asked Wells Fargo Bank to give her deposit money {$10000.00} plus the accrue interests of XXXX from XXXX to the present. Wells Fargo Bank has fail again and again in performing their duty to the customer. Instead they have been quiet and that shows that they do not know how to activate a dormant account to pay it off. So due to the fact that this CD account is insured by the FDIC guarantee of up to {$250000.00}. My mother request the insurance to be pay as soon as possible on her account. If this money does not get pay them that shows to us that some bank people are thieves and they are not following procedures and guidelines and they should be penalized by government entities for failure. 

WE ALSO DEMAND! THAT CFPB ask the Federal Deposit Insurance Corporation to pay off the insurance of the deposited money to XXXX XXXX XXXX with accrue interests immediately!

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 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: NC

Complaint narrative:
Mortgage lender is ignoring request for re-appraisal of house to remove PMI. House values have significantly increased and re-appraisal would most likely cause for the removal of PMI due to the higher appraised value. Made our initial request on XX/XX/XXXX to order a new appraisal. The task to order a new appraisal is approximately 10 minutes ... nothing significant is required other than actually DOING IT!

The mortgage lender is intentionally prolonging / avoiding the request in hopes that house values may drop back down in order to avoid removing PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Westlake Services, LLC
State: WA

Complaint narrative:
Westlake financial at XXXX ( XXXX ) XXXX calls excessively after establishing with the company that I do not have an account with them, and have never applied for a loan, credit, or have a debt with them. 6 different agents have told me they removed my phone number from their records and I would stop receiving calls. According to this last agent they have not. It was finally removed. we will see. I am getting at least 4-6 calls a day the past 3 days. This is a new phone number for me and even the agent verified that my name does not match the name they have for this phone number, but they keep calling 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 2021-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I have a home equity loan that is being serviced by Select Portfolio Servicing ( SPS ). This loan is a 15 year loan that is scheduled to mature on XX/XX/2021. The current balance reflected on my loan by SPS is {$17000.00} and my monthly payments are {$1200.00}. My account is not delinquent and with 3 months of payments remaining, the loan will not be fully amortized as it should be. There will be a balance owing of {$13000.00} that includes an agreed upon 3 month payment deferment of {$3800.00}, leaving an unpaid principal balance of {$9800.00} that is incorrect. Since XX/XX/2021, I have attempted to resolve this matter with SPS numerous times as I should not be responsible for a balance for which payments have been made. In my review of the payment history that was provided, it does not appear that payments were properly applied to my account and several unusual adjustments were made. SPS representatives indicated that an audit would be performed on my account and that I would receive a resolution to the disputed amount remaining at the maturity of my loan in XX/XX/2021. 

The responses that I received were inadequate and did not address the disputed principal balance. The first response I received on XX/XX/2021 included a 15 year amortization schedule that suggested that my current principal balance should be {$3800.00} instead of {$17000.00} ; however, no adjustment was made to correct it. The second response that I received on XX/XX/2021 referenced adjustments made to the payment history but stated that the balance of {$17000.00} was correct as stated although it does not match the amortization schedule. There was no documentation provided to support this statement. It suggested that I am responsible for the overstated principal balance. For your review, I have attached the " dispute resolution '' letters that I received from SPS. 

Again, I would like this matter resolved prior to the maturity of the loan on XX/XX/2021 to avoid any negative impact to my credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX  Sporting Goods Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX & Ls Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX XXXXXXXX Miscellaneous and public record Inquiry date : XX/XX/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 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Unauthorized inquiries from all 3 reports on my credit reports that need to be removed immediatley. 




XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX National Credit Card Cos. 
Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXXXXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX  XXXX Miscellaneous and public record Inquiry date : XX/XX/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 2021-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
REF : SPS SELECT PORTFOLIO SERVICING MY SIGNIFICANT OTHER PASSED XX/XX/XXXX. THE MORTGAGE WAS TRANSFERRED TO THE ESTATE UPON PASSING. HOME WAS TITLED AND DEEDED TO MYSELF WITHIN THE PAST TWO YEARS. THE FINANCE COMPANY APPROVED ME AND THEN DENIED IN XXXX XXXX. 

I HAVE BEEN TRYING TO HAVE AN AFFORDABLE PAYMENT WITH SPS AND THEY HAVE NOT AT ALL BEEN HELPFUL. WE HAVE FILED MODIFICATIONS, HARDSHIP LETTERS AND SHORT SALE. 

TO DATE SPS FORWARDED THAT THE HOME TAXES AND INSURANCE ARE MY RESPONSIBILITY. THE MORTGAGE IS STILL IN THE DECEASED NAME BUT TITLED IN MY NAME. THE MORTGAGE COMPANY HAS NOT ASSISTED OR HELPED AND WE KEEP GETTING A RUN AROUND AND DIFFERENT ANSWERS EVERYTIME WE CALL FROM DIFFERENT PERSONNEL. 

I AM AT A LOSS AS TO WHAT TO DO IN ORDER TO NOT LOOSE THE HOME I HAVE BEEN RESIDING AT SINCE XX/XX/XXXX. 

I APPRECIATE ANY ASSISTANCE AS THIS COMPANY HAS NOT WORKED WITH ME AT ALL. AS STATED THE PROPERTY AND DEED ARE UNDER MY NAME AND THE MORTGAGE IS UNDER THE ESTATE. I AM NOT TRYING TO CHEAT THE MORTGAGE COMPANY AND WILLING TO PAY WITH A REASONABLE AMOUNT. ANY HELP AND ASSISTANCE WOULD BE APPRECIATED AS THIS COMPANY IS THE WORSE TO DEAL WITH. 

YOU CAN CONTACT ME AT XXXX REGARDS, XXXX 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 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: WA

Complaint narrative:
I was called on XX/XX/2021 to collect a debt. I asked the woman to send me written verification in the mail. She confirmed my addresses but nothing has been sent. They continue to call me trying to collect. But I have not received validation! I don't remember this debt so it needs to be clarified. At this point I'm pretty sure the debt is time barred in Washington state.

Company response to consumer: Closed with explanation