vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XX/XX/2020 An debt validation letter was sent to Nationwide Recovery Services that is reporting a debt to the credit bureau. Nationwide Recovery Services did not validate the debt but still violating the Fair Debt Collection Practices Act by reporting a debt that they saying I owe them and I dont and it's causing Extreme hardship in my life. In this complainant I will provide all the evidence to show that Nationwide Recovery Services did not verify the debt they say I OWE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

After sending letters to this company they had pass the 30 days to respond, a copy of the original letter is attached, this account must be removed.

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 2021-01-12 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: GA

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

After sending letters to this company they had pass the 30 days to respond, a copy of the original letter is attached, this account must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: PR

Complaint narrative:
My loan servicer was XXXX XXXX XXXX with the loan number XXXX. My loan was transferred to a new servicer, Selene Finance LP starting on XX/XX/XXXX. On XX/XX/XXXX I received a letter ( attached ) from XXXX XXXX XXXX  notifying that they are the new loan owners and confirming that Selene Finance are the new servicer and that all things regarding my loan have to be done with the servicer. The letter shows the same loan number that was used by XXXX XXXX. No further information on the loan was specified. The address is the correct one. 

As of today, XX/XX/XXXX I haven't received a single letter or phone call from Selene Finance regarding my loan. I did try to log into their website but the loan information that I have ( that is the one from XXXX  ) is not valid in their system, so right now I'm not able to see anything regarding my loan with them. I wrote three different emails to different email addresses that Selene have on their website and haven't received any answer neither. My email is XXXX and that's the one I used to write the emails to Selene . 

For some really strange reason, their customer service numbers XXXX ( XXXX ) XXXX, and any of the other numbers with 877 prefix, always return a busy tone. I'm from Puerto Rico and the residence on that loan is located in Puerto Rico and I haven't been able to complete a call to any of their customer services numbers from almost 10 different phones including land lines. I contact my previous servicer ( XXXX ) located in California and they call to that same number and the pass through without any issue. We tried the automated system but it doesn't recognize any of the information we provided and we tried customer service but after a while the call drops. I don't want to think that because I'm from Puerto Rico I will not be able to communicate with them. 

Because all of this, I can not make my payments. I don't even have a loan number to make the payments even via regular mail. And I'm really worried about losing my home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have disputed a account that was one Transunion multiple times wanting them to validate the claim that was on there for a charge off account. Multiple times and one of them that had said they have verified the information and have updated it. Including " XXXX '' in my name that not once i have had. They did not do their job correctly and did not correctly validate this debt. I have been a victim of identity theft and they do not take this job seriously.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.

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 2021-01-12 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: SC

Complaint narrative:
My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are not my accounts. This is a 3rd request. Please remove them from my credit profile. 002 Belongs to another individual with same/similar name.

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 2021-01-12 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: CA

Complaint narrative:
These are not my accounts. This is a 3rd request. Please remove them from my credit profile. 002 Belongs to another individual with same/similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The sales associate at Forever 21 named XXXX advised me that there would be a soft credit inquire applied to my credit, if I applied for a store credit card. The associate also used her personal phone to process the application without my knowledge. I asked several times to make sure of the inquiry type and was mislead completely. I notified management ( XXXX/XXXX  ) but have yet to receive any feedback about how to resolve the unsolicited inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
CREDITOR CAVALRY {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My loan was transferred to this New Rez Shellpoint Mortgage XX/XX/XXXX. I was informed of the transfer very late. Because of the late notice, I was unable to cancel a payment that I scheduled electronically XX/XX/XXXX with the initial lender. All of the notices I received ensured that all payments made to the previous lender would be credited to my mortgage. Fearing late payment fees, credit reporting, and other negative implications, I made a payment to the current lender~Shellpoint on XX/XX/XXXX as well as XXXX the other lender. I called the evening of XX/XX/XXXX and spoke with a representative by the name of XXXX XXXX and he assured me that any payment made to the previous lender would be credited to my account. I have been calling Shellpoint mortgage every week since that day. Despite proof of payment ( copies of bank transactions, previous lender documents ) they have not credited my account. I have received notices from them threatening to report me to credit agencies. Every time I call, I get a new agent who knows nothing about the situation. After an hour of repeating the issues I am told that it will be escalated and to call back in 48 hours. It has been 4 months without any resolution. As of this date,XXXX, I have called Shellpoint Mortgage 20 times speaking with reps, supervisors, customer service representatives each call lasting on average 45 minutes. The calls always end with an empty apology and promise to escalate. I received notice today that they have reported a late payment to the credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report. National Credit Systems continues to violate my rights according to Fair Debt Collections Practices Act ( FDCPA ). Also this company is in violation according to 15 USC. 1692. I have attached a copy of my ID. This company is defaming my character by constantly reporting this debt on my credit report which is a violation according to 15 USC. 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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:
I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 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. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been banking with Bank of America since XXXX, I have had the same account number for over a decade and all of a sudden on XX/XX/XXXX I try to log I my account and I cant. I call and all I am told is that my account is closed and no reason or warning is given other than a deposit agreement that says they can close my account at anytime, just because they ; does not mean they have to. And after banking with them for over 13 years, I want to to know why. I have deposits and credits and payments coming out of that account and it will all be canceled now and I cant change it because it is too late. If I am charged Any fees from my other accounts as a result of this, I will be suing Bank of America.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
Earlier in XX/XX/2020 Mr. XXXX XXXX talk to me about refinancing my Mortgage to remove like the PMI. I completed the paper work, the loan was approved and the process was smooth and the expected closing date was before the end of XXXX 2020. I paid almost {$500.00} for the appraisal, when the appraisal came I thought something was wrong and I want to dispute the results. This was the las time I heard from Mr. XXXX XXXX. I send several messages and call him to getthe status of this refinance loan but he never answer back to me. The company never send me any communication of the loan status. The companys name is XXXX XXXX  XXXX. I believe as a consumer I deserve some respect and that respect is through answer to me what happened. I invest almost {$500.00} dollars and it was a waist of money and with the situation with COVID that money is a lot to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my second time reaching out as the first response was totally unacceptable and direct violation against the The Fair Credit Reporting Act, 15 U.S.C. 1681. As a result of identify theft, I ask that remove the following inquiries from my TransUnion report at once : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX Failure to do so is an illegal act and against of the Fair Credit Reporting act and I will be contacting my state attorney general if this isn't addressed promptly. 

Appreciate your cooperation, 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 2021-01-12 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: IN

Complaint narrative:
What affected my getting a refinance loan stated these items : Too many finance company accounts, Insufficient or lack bank account information, Recent delinquent remitted on accounts, Too many delinquent accounts! NONE OF THIS IS TRUE I ONLY OWE ON TWO ACCOUNTS! XXXX XXXX XXXX XXXX and XXXX and they are not delinquent!! Please correct these factors and send me a copy of my credit report please. The report was from Equifax Credit Information services. Credit was checked by XXXX XXXX on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: IL

Complaint narrative:
We sent a certified letter to Equifax on XX/XX/2020 and have not seen any progress on the removal of the fraudulent credit application. All the other credit reporting companies have followed up and remove said dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CSO Financial
State: NV

Complaint narrative:
In XX/XX/2017 I helped my father move from XXXX  to XXXX XXXX XXXX. I stayed a short time to help him get settled and re- established then returned to XXXX XXXX . His landlord asked him to list persons in the home for IDENTIFICATION PURPOSES ONLY, so he listed me. As it turned out his landlady was a major slumlord. she refused to keep the property in livable condition. My dad rented the house sight unseen and hadn't met the landlord. This conflict resulted in an eviction as my dad refused to pay rent while repairs were ignored. The landlord apparently sold the judgement to CSO financial of XXXX XXXX  who put the judgement on my credit report. Ive been trying to buy a home and this erroneous entry on my report is a negative impact. Please make them remove this from my report. I was in no way party to the rental agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX I did a consumer credit transaction with synchrony/paypal bank. The total amount of the transaction was for {$1500.00}. A few weeks after the initial transaction, I received an email from Paypal on XX/XX/XXXX that a payment was due on the account. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. After several attempts of Synchrony bank trying to collect this alleged debt from me, I sent them two documents one being a debt validation letter and the second being a cease and desist. These documents were sent via XXXX on XX/XX/XXXX and was delivered to the company on XXXX, XXXX at XXXX XXXX and signed by someone by the name of XXXX. Today I am contacting the CFPB to get this resolved as quickly as possible, as the information on my credit report is illegal and damaging my reputation.

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