vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE. 

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!! 

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!! 

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Altisource Portfolio Solutions, S.à r.l.
State: CA

Complaint narrative:
CFPB COMPLAINT - XXXX UNLAWFUL COLLECTION PRACTICES XX/XX/XXXX XXXX is violating state and federal collections laws by harassing me for a paid-in-full one-time rodent abatement services ; a paid-in-full XXXX quarterly yard spraying schedule, and continued billing on an auto renewal I did not authorize see recent billing statement. 

As a result, on XX/XX/XXXX, I sent to XXXX with a copy to XXXX   XXXX, Cease & Desist for abusive and unfair collection practices, erroneous unwanted services, collections harassment. Yet they blow up my phone with non-stop collection calls all day, all week for six months now. 

I have written them, called them and spoke with several collection people, having to repeat myself over and over, yet to no avail. 

The Public Relations department calls and calls, Office of the President, I call back, and they dont return calls. Then they call again leaving the message : have you talked to the local office? 

I never authorized a continuation of services past XXXX I paid for the four ( 4 )  quarters for XXXX IN ADVANCE for yard spraying. I have attached the cleared item check # XXXX for {$390.00} which cleared on XX/XX/XXXX. 

With respect to the rodent abatement, removal of five dead fat rats, insulation removal, attic sterilization, new insulation, I paid in full the {$3400.00}. There are tenants in this property so I moved quickly to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Service Systems, Inc.
State: AR

Complaint narrative:
On XXXX at XXXX am XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. I am also aware that the Health Insurance Portability Act or ( HIPPA ) regulations in the United States prevent any medical documentation to be shared. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies 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 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Attached is the supporting docs - two issues ( statement needed for hardship loan & on going issues with Rushmore ) RE : URGENT : Hardship Loan from 401K - Loan : XXXX Please send me a copy of my statement or documentation needed to receive Hardship Loan from 401k. 

The request for statements have been outstanding since the loan was sold to Rushmore. XXXX had the reaffirmation document from my bankruptcy that was discharged in XXXX. Ive sent this doc 2x to Rushmore and I still do not receive statements. 

I need this documentation ASAP to receive the funds to clear the account. 


Thank you, Next issue : Statements needed Hardest Hit did not honor the contract I signed - had to take out " hard loans '' ( attached ) XXXX Inspector - no resolve Waiting for Inspection from Rushmore - Insurance and Engineer came out in XX/XX/XXXX FEMA check - need it endorsed so I can pay off previous debt for Irma and assist in getting work completed Case Manger does not respond timely and when I ask for communication via email or leave message - its ignored ( cell phone goes off - unable to dial out )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ISCC, LLC
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX, Mediator, Instant Settle Consultants LLC, located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. On XXXX, I sent her through email a letter about the discrepancies about a settlement account that we, my wife and I have established since XX/XX/XXXX. After I indicated to her the discrepancies and false statements that she made over the year about the account that she was solely managing. I also requested a reimbursement of {$600.00} since we had a balance of {$2800.00} while she claimed a balance of {$2200.00}. She promised to look into with her lawyer since then. 
On the spreadsheet ( see attachment ) sent on XX/XX/XXXX, she provided a spreadsheet with the following : Total Deposits : {$5500.00} ( details on Spreadsheet ) Merchant fees : {$190.00} Settlement 1 : {$1200.00} Settlement 2 : {$1300.00} Settlement fees : {$500.00} Balance : {$2200.00} Despite, my multiple requests, she never provided details of the two ( 2 ) settlements that she has made on behalf on my wife. I requested the reimbursement of the balance of XXXX at that time when I became increasingly suspicious of her actions. It took a long time before she wired the money to my XXXX   XXXX  account for the amount of {$2200.00} In a letter to my wife, dated XX/XX/XXXX ( see attachment ), she claimed that the total Deposits since XX/XX/XXXX to XX/XX/XXXX : {$4900.00}. This is incorrect since I made 15 deposits, not 13. Her own  spreadsheet and snapshots support that. On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account the same day ; and on XX/XX/XXXX for {$300.00}. As well, On XXXX, I made two ( 2 ) payments, not one : on XX/XX/XXXX for {$300.00} posted on my bank account on XX/XX/XXXX ; and on XX/XX/XXXX for {$300.00}. She had confirmed these deposits on her XX/XX/XXXX email, which is attached as well on the spreadsheet that she sent to me on XX/XX/XXXX. Therefore, the total deposits on the Trust account were {$5.00}, not {$4900.00} as stated on her XX/XX/XXXX letter to my wife. In the same letter, she added the following : Payments made to XXXX XXXX for XXXX : {$2000.00} Fees earned for the XXXX Settlement : {$610.00} Refund sent to Citizens bank : {$2200.00} Contrary to the facts that you provided on XX/XX/XXXX, it appears that you have settled only ONE of my wifes accounts. Therefore, you did not settle her Citi/bestbuy account as previously stated. Instead of {$2200.00}, you should have refunded to my XXXX XXXX for {$2800.00}. But she refunded only {$2200.00}. Therefore, you owed {$600.00}. I requested the refund of the {$600.00}. Once again, she is using the same deceitful tactics to avoid sending the {$600.00} that she has been holding I will greatly appreciate your assistance so that XXXX XXXX send the remaining {$600.00} on the balance she has been holding. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My property at XXXX XXXX XXXX, XXXX, CA XXXX is serviced by Ditech Financial. XXXX XXXX  XXXX, my originator, sold this loan while I was in a confirmed plan with XXXX XXXX Bankruptcy Court, a clear violation. They sold my loan without identifying that the property was included in a Chapter XXXX Reorganization - with a Debtor in Possession status. 

I have received a Demand for {$68000.00} for erroneous accrued mortgage payments from Ditech. 

I have received a threatening letter from Ditech 's attorney entitled " Notice of Appearance and Request to Receive Notices '' which is attached, enjoining the US Trustee, XXXX, CA and my Bankruptcy attorney of record. Then I received a letter entitled " Notice of Sale of Ownership of Mortgage Loan by XXXX XXXX XXXX XXXX, also attached. 

My letter response to Ditech 's attorney 's is a Cease & Desist and addresses the payments made and confirmation status and to stop this harmful and illegal collection, a clear violation of the Confirmed Plan and federal bankruptcy laws. 

Upon further examination, these correspondence look like scams, and as a victim of illegal foreclosure, I am both, compelled to respond but also I am skeptical of the validity of these threats, backed up by Internet content that says specifically XXXX is a total scam. 

I am filing this complaint to put XXXX XXXX on notice, to Cease & Desist this illegal collection and violation of my confirmed plan, to get their attorney under control and to provide me compliant accurate loan accounting. Furthermore, this complaint seeks to expose the action by XXXX XXXX XXXX XXXX and demands I receive my official mortgage agreement that identifies the legal mortgage holder, terms of the loan, and appropriate adjustments on the loan as a result of the Chapter XXXX confirmed plan terms. 

This all looks like a set-up for illegal foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry fromXX/XX/2018 + XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX To WhomIt May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately The following inquiry needs to be removed immediately : Creditor Name : Factual Data Inquiry from XX/XX/2018+ XXXX XXXX   XXXX XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, 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 2018-10-01 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: TN

Complaint narrative:
On or about XX/XX/2018 I submitted my first dispute letter, per section 609 of the consumer 's Fair Credit Reporting Act section to each of the major credit bureaus, Equifax, XXXX, and XXXX to inform them about the incorrect account reporting on my credit file. There is a total of 19 negative items that were disputed. 

I did not receive a favorable response from neither of the credit bureaus. I have submitted dispute letters every month since XX/XX/2018 through XX/XX/2018, which totals 8 months and 8 dispute letters. 

The last response letter that I received from XXXX stated that the investigation will no longer continue, although I have sent new information to support my claim. 

The last response that I received from Equifax was only a copy of my report reflecting no changes in the investigation process. I requested information regarding how the investigation process was conducted and who verified the accounts, but I have not received a response from Equifax regarding the investigation process. 

The last response that I received from XXXX  stated that the information was verified as accurate although NO actual proof was supplied by the collection agencies nor creditors to XXXX. XXXX updated each disputed account with information regarding the credit entry rating, payments made, name correction, etc., but none of the actual information was deleted per my request. The accounts are reporting incorrectly, and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
RE : Loan # XXXX I have been in a Loan Modification Plan with Select Portfolio Servicing ( SPS ) since XX/XX/XXXX. I have been providing them with all documents requested since XXXX & I have been advised by SPS that they had received all documents needed many times.. I keep providing the same documents over and over as they keep asking for them over & over. I have restarted the entire process over & over & this Loan Modification has gone on for 2 years without completion. They have done XXXX appraisals & their underwriting dept keeps taking so long that they let 3 months at a time go by without completion and then start asking for the same documents over again.They tell me that they are working for me, but the process never ends & my property stands to be lost, due to this never ending process and now I have issues with the Homeowners Association after being told by SPS not to worry about the HOA 's because my account was being handled by their XXXX XXXX & everything was fine. Now I am being told the opposite. The lender is XXXX Bank XXXX XXXX Bank. I do not want to lose my home but this never ending process stands to put me in a position with the HOA that they moved to foreclose due to HOA dues after it was the HOA that made my home uninhabitable for well over a year due to the HOA " Slab Leak '' flooding my home causing it to mold & then they denied liability for months creating over {$70000.00} in damages without waiving HOA dues & then moved to foreclose because the Loan Modification did not take place yet. This Loan Modification Plan process is still taking place. Again on XX/XX/XXXX it will have been two ( 2 ) years of being in a Loan Modification Process with no results other than the stance of losing my home. DUE TO THIS I REALLY NEED YOUR HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX18 at XXXX XXXX XXXX XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any and all statements related to the debts, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debts that they claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ) XXXX XXXX XXXX XXXX, is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX XXXX XXXX   received a notarized affidavit requesting original documentation containing my signature regarding this  debt. Since XXXX XXXX XXXX XXXX has failed to provide the requested documentation, I  expect this debt to be removed from the all three of the major consumer reporting agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITALONE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: NJ

Complaint narrative:
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you

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 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This happened back while I was stationed in XXXX in XX/XX/XXXX-XX/XX/XXXX. Around XX/XX/XXXX, an unauthorized transaction of around 1,400 dollars was made from my checking account and there was a website named XXXXm listed in the transaction info. I called Bank of America, wrote them a letter, and had our JAG office contact them, and I was basically told nothing could be done and that they believed that I authorized the transaction.

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 2018-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX  credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please remove closed credit card accounts I have tried to have them remove the old charge off accounts or closed accounts that are over 7 years old and nothing has been done all old accounts that are no longer active and are over 7 years old should be removed immediately thank you

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