vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Select Portfolio Servicing did not adhere to RESPA XXXX Loss Mitigation Procedure. My mortgage was XXXX in bankruptcy in XXXX, 2021. During that time to present I have submitted Request for Mortgage Assistance { XXXX ]. Each request has been denied with Select Portfolio Servicing providing no reason for the denial. I was notified that no home retention options were available to me. The only options that were still available were Deed in XXXX and short sale. Another XXXX was submitted with Deed in XXXX as my option. After countless phone call from me in regards to the status of XXXX. On XXXX XXXX I received a foreclosure sales notice by mail. Upon receiving the notice contacted SPS and was told that the Deed in XXXX had been denied and that I would receive reason for the denial in mail. No reason for XXXX denial has been received. 

On XXXX i a letter stating that SPS was offering {$7500.00} relocation assistance and that the offer had to be accepted by XXXX XXXX. The document was singed by myself and XXXX other adults in the household. The complete document was returned by fax to SPS on XXXX XXXX. I called SPS on XXXX XXXX to make sure the document had been received. I was told that the document had been received and being reviewed. On XXXX XXXX I received correspondence from SPS stating that since the cash for keys offer was not returned I no longer qualified for this option. The way Select Portfolio Servicing handles the Loss Mitigation Process should be investigated thoroughly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Went to get added on my fiancs credit card as an authorized user bank teller ran my credit report for new credit card lines.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account with wells Fargo. Due to my XXXX being stolen, several XXXX  transactions went thru for the amount {$580.00}. I disputed the transactions on July 3rd. Due to other fraudulent activity i was told to file a separate claim for the XXXX  transactions which i did on july 19 and was given the provisional credit. On july 21st i got a letter stating that the investigation was completed and that the provisional credit will be reversed since they say the XXXX transactions where approved by me, which is untrue. The claim # i have with wells fargo is # XXXX. I did not make the transactions it was just by a push of a button on my stolen XXXX and if wells fargo honored the other fraudulent transactions totaling {$9700.00} ( claim # XXXX ) they should honor this as well.

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 2022-08-03 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: CA

Complaint narrative:
Equifax told me that they're not going to conduct a further investigation on XXXX XXXX  that is not my debt and I am not obligated to pay them. I have not receive a credit report from Equifax and they did not do what they said they was going to do in my CFBP compliant on the second in XXXX XXXX. Will have that in the attachments. What Equifax said I recently submitted a request for investigation of an XXXX XXXX XXXX Acct Number # XXXX, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system, you would have known, this account is not even mine though your company claims to have verified or " you will no longer investigate this ''. Even though I have sent information that XXXX and XXXX has removed XXXX XXXX XXXX It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. I look forward to an expedient resolution of this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Received a letter on XXXX offering a payment plan for a debt. Creditor name was present but no other details regarding the debt At XXXX MST  XXXX I called the debt collector and requested they provide me the following : -copy of the original contact/receipt with my signature -full payment history from original creditor -proof they now own or have been assigned this debt The agent advised that the letter they sent was the only proof they could provide and anything further I would need to contact the original creditor for. 
I told the agent they would need to provide the requested information in order to validate the debt and continue trying to collect it She continued to repeat that the letter they sent, which only provide creditor name and debt amount, was enough to prove they can collect on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rozlin Financial Group, Inc.
State: PA

Complaint narrative:
Online dating site XXXX. I signed up. And was not happy with there products. It was not as advertised. I requested a refund. I didn't receive adequate response. So, I made a complaint to my bank. They are trying to charge me for services. I didn't use nor do I no longer want.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
Hello, Uknown Inquiries are reporting on my XXXX, XXXX, and Transunion reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2022-08-03 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:
Hello, Uknown Inquiries are reporting on my XXXX, Equifax, and XXXX reports. I have filed Identitytheft, and will attach FTC report. The following inquires are what needs removal. 

XXXX : XXXX - XX/XX/XXXX Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factual Data - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I continue continuing to reach out to XXXX and all three credit bureau and let them know this is not my debt I live in Texas and been here this is a debt in Colorado and all they did was continue to mail And harassing me about a debt I didnt do nor have no idea please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: OH

Complaint narrative:
Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Have accounts appearing on my credit report that are effecting my household negatively and i have tried to contact the company and have gotten nowhere because I do not know any details about these account, what I do know is what is listed below. The account info that is listed on my credit report is listed below. 

1 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$4000.00} balance owed {$6000.00} 2 ) XXXX Account # XXXX opened XX/XX/2008 credit limit {$3800.00} balance {$4700.00}

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone is fraudulently opening credit card accounts under my name with Bank of America. Bank of America is very difficult to work with and they will not remove fraudulent reports on my credit report. I have made reports to the three credit reporting agencies. Bank of America simply replies to a request by verifying that the account was closed but they do not acknowledge proof that I requested the account and they do not direct the credit agencies to remove the fraudulent account information. What options do I have to correct this? Phone calls to Bank of America customer service are almost impossible for getting anywhere with this problem. Any suggestions welcomed. Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank withdrew {$650.00} from my checking account on XX/XX/2022 for a Federal Loan I do not have. 

The account sat at $ XXXX due to the bank withdrawing this money. 

Citizens Bank just added a {$35.00} late fee, now I'm at - {$490.00} in my bank account. 

Citizens has filed a claim but says it takes weeks to process and resolve. 

I will lose my entire paycheck this week to cover the insufficient funds - thanks to citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has violated my privacy rights with aggravated identity theft. I have made multiple attempts with disputes and certified mail to have these violated resolved. Experian continues to report NEGATIVE information. 


VIOLATIONS - totaling {$13000.00} in damages. See attached proof - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 I am seeking {$13000.00} in damages due to the MULTIPLE violations that you, Experian, have acted on. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Experian has violated me with aggravated identity theft. 

I can not be forced to waive my rights as a condition of 15 USC 1693I. I have the right to opt out of non-affiliated third-party reporting. Experian must disclose my right to opt out and has committed fraud, which has no statute of limitations. 

Experian has within FOUR DAYS to remove ALL negative derogatory accounts attached AND inquiries. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!

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 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Original Creditor - XXXX XXXXXXXX XXXX XXXX 
Collection Agency - Midland Credit Management Date opened XX/XX/2020 Balance - XXXX This is fraud I have never heard of XXXX XXXX XXXX Linked information to fraud card XXXX XXXX XXXX XXXX XXXX, Utah XXXX Midland would not disclose the phone number liked to the account but confirmed that it was not my number. 

I have lived at XXXX XXXX XXXX XXXX Utah my entire life and never have received anything from XXXX XXXX or midland credit management. 

I was first aware of this fraud a year ago when applying for a loan at XXXX XXXX XXXX XXXX, I did not have the means nor knowledge to dispute this until of now. 

Most importantly I was Incarcerated in XXXX County Jail prior to XX/XX/2020 My email is XXXX My number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: IA

Complaint narrative:
I purchased a used XXXX XXXX  XXXX vehicle from XXXX that was financed through American Credit Acceptance On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted American Credit Acceptance numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by American Credit Acceptance in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually American Credit Acceptance repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some 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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX  ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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