vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, XXXX XXXX and XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NJ

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
I refinanced my home in XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX in the amount of {$620.00}. On XX/XX/XXXX, my loan was sold by XXXX XXXX XXXX to Specialized Loan Servicing. Since that date, I have made the following payments : XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} Since my loan transferred, I have never been credited with the initial {$620.00} payment on XX/XX/XXXX despite forwarding proof of payment and information from XXXX XXXX XXXX on when the payment was forwarded, the amount and who signed for it. I have made well over 20 calls to SLS since XX/XX/XXXX trying to get help in solving this issue. Now 41 days later it still has not been solved despite providing irrefutable evidence that the payment happened and was forwarded to them and signed for by an employee named " XXXX ''. I NEED HELP...... PLEASE! I am beyond myself that this has not been resolved and that the desire to solve it is not there on their end. The resolution that I am seeking is to have the amount credited. I would love to see them sell my loan, but would settle for the credit to my account. Please help and investigate this company. Their ratings on the XXXX website and XXXX are awful.

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 2021-11-16 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/2020 XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
While on a ferry in XXXX, on XX/XX/2021, my husband purchased a soda at the ferry convenience stand for XXXX Euros. The vendor entered the incorrect amount and charge us XXXX Euros or {$4600.00}. I noticed the error on my card while in XXXX and called CITI bank on XX/XX/XXXX. We started a billing dispute. They determined it was consumer responsibility. I called back and Citi then advised me to submit the issue under the Fraud dept. I was required to shut down the card and he claim was moved to the Fraud dept for investigation on XX/XX/XXXX. On XX/XX/XXXX, they determined it was not fraud and referred me back to the dispute center. After multiple calls, they will do nothing to assist me with this error as I do not have a receipt. Not sure what difference this makes as the receipt would show the same charge, same date and same vendor as the statement displays. Its not a store or typical business where I can contact the merchant. Its a floating convenience store on a ferry. I have asked for help in this matter as its in a foreign country and they have resources to help track down this merchant and resolve the issue. 
Despite what Citi is stating, I believe this to be fraud. I was overcharged for a soda by XXXX Euros.

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 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is report is showing bankruptcy that do not belong to me that are saying that the information is verified through the bankruptcy court but that information is not factual and they are sharing my personal information and credit reports without my consent to XXXX, Trans Union and 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 2021-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This HELOC loan which was the obligation of my ex-husband XXXX XXXX XXXX XXXX was discharged in his Bankruptcy dated XX/XX/XXXX. The original servicer was XXXX XXXX XXXX  who then sold it to XXXX, assignment to XXXX on XX/XX/XXXX and then from XXXX to XXXX XXXX XXXX XXXX and then finally SLS. 
The HELOC was taken out by ex-husband XXXX XXXX XXXX XXXX only on XX/XX/XXXX, date of marital separation was XX/XX/XXXX, XXXX petitioned for Bankruptcy XX/XX/XXXX, Dissolution of marriage was finalized XX/XX/XXXX. Property was awarded to XXXX XXXX and XXXX was ordered to cooperate with a Loan Modification and to vacate the property by XX/XX/XXXX. I have been back and living in my residence since XX/XX/XXXX and current on my mortgage after XXXX Quit Claimed the home back to me. I was unaware of the lien on the property until SLS sent correspondence dated XX/XX/XXXX and XX/XX/XXXX with a pay off balance in the amount of {$220.00} XXXX and change. I am asking for the release of attached lien as I am not responsible for the HELOC and it was discharged in Bankruptcy in XXXX. ( BANKRUPTCY NO. 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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-11-16 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Dear CFPB facilitis, I opened a TD bank savings account online on XX/XX/2021. I checked my savings account bank statements through mobile app 2 days ago, and I found out that they have been charging me {$1800.00} excess withdrawal fees until now. I just lost my job 2 weeks ago, and I need this money back for me to pay my rent and I'm in the stress to look for a new job during this pandemic time. I just hope CFPB can help me to get the refund back and I am aware of the regulation D regarding to the 6 times limits of the monthly withdrawals now. 

Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 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: NY

Complaint narrative:
This ( XXXX XXXX XXXX. acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

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 2021-11-16 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: NY

Complaint narrative:
This ( XXXX XXXX XXXX acct. # XXXX XXXX XXXX ) was and is a disputed bill, not a contract default, late payments or a write off. It took them months ( from XX/XX/XXXX to XX/XX/2020 ) to notify me of the ( lease return amount ) and when they did they sent me a bill ( attached ) with what is described on THEIR letter as a settlement offer. as you can see by the letter from XXXX and my canceled check for the amount THEY proposed to me. The letter stated they would consider it paid in full. 
Why are credit agencies helping them harass me and destroy my credit rating ( so far a full year ) what is going on? 
I am requesting a full investigation on how this is possible? Under what law they are allowed to do this? 
I am requesting restoring my credit standing by removing incorrect, false and harassing information by XXXX XXXX XXXX. 
I am willing take any and all legal means at my disposal to defend, restore and protect my ( prior ) excellent credit history. 
Request speedy resolution and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MI

Complaint narrative:
This balance is paid in full and still reflects a balance on 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 2021-11-16 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I had a credit card opened fraudulently in XX/XX/XXXX. I called the company to inquire on this and report that it had been the result of identity theft. As a result, they closed the card XX/XX/2019. Unfortunately, they are still reporting a balance and, even though the account is closed, say I'm missing payments and dinging my credit report. I've tried making payments just so it doesn't report as late and ding my score, but they still keep reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I refinanced my Mortgage with XXXX XXXX XXXXXXXX. After close I was notified that the loan servicer would be XXXX  XXXX XXXX ( XXXX ) and my first payment should be made with them on XX/XX/21. On XX/XX/21 I made a payment of {$1400.00}. I then received a notice that the servicing of my loan would be taken over by Specialized Loan Servicing ( https : //www.sls.net ) starting on XX/XX/21. SLS is now calling me asking me why I have not made my XX/XX/21 payment. I have created an account with SLS on their website and it does not reflect the XX/XX/21 payment I have made through my original servicer ( 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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/2021 I reviewed two letters from Select Portfolio Servicing. One said it was looking into matter and the other gives response. Did not take them long to present fraudulent information because XXXX XXXX letter said they would look into matter and XXXX XXXX is the fraudulent response because it was threatening. First, it falsely states I asked SPS to close my escrow account. I never requested such. Then the threats continue in the letter that effectiveXX/XX/XXXX I will be penalized if by fines and penalties and my property will be placed in tax lien. 
1. How do I change loan servicing entities so not to be harassed and ripped off by SPS? 
2. Why the threats when I asked clarification on why sudden increase on my monthly loan payments by 200-300+ dollars? I needed explanation. 
3. In XXXX, XXXX County, Texas, there is a property tax exemption at age XXXX. I am XXXX and wanted to know why property tax increases and insurance is the most affordable in Texas. My monthly payments should not increase. This loan is fixed rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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:
I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( Equifax, XXXX and XXXX ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: AL

Complaint narrative:
This is my third notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. Furnishing this information without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, XXXX, and XXXX ) without my PERMISSION OR CONSENT which is a violation. Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. 
Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 
This is also an adverse action to me as a consumer and needs to be remedied immediately. 
By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. I asked that you remove all student loans from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness.

Company response to consumer: Closed with explanation