vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-11 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against Midland Funding for an account that they are reporting on my Credit Reports. I have been disputing the Validity and Accuracy of this account for several months and not only have they failed to correct the errors or provide proper verification that this is my account ; they have added this account back to my credit report without any notification and they've recently added the same account with a new account number to my credit report. Also, the Original Creditor that they are listing isn't even on my credit report. I am preparing to purchase a home and their actions will make it difficult, especially now that they are being malicious by adding another account, reporting this collection account as current and continuing to report false information. 

My Name is : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Company the complaint is against : Midland Funding Account # : XXXX New Account # Recently Added : XXXX I have included : - Screenshots of the information being reported on my Credit Reports ( As of XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Dated XX/XX/2020 ) - Letters that I have written to XXXX, XXXX and XXXX  ( Mailed XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) - Letter to me from Midland Funding ( Dated XX/XX/2020 ) Thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC
State: NY

Complaint narrative:
On XX/XX/2020. 
I received an inquiry on my credit report that I didn't make. I reached out to the company, Veterans United and I was told I would be called back and I never heard back from anyone. I called two more times and my third time calling, my call was escalated to a supervisor. They supervisor couldn't find my name or information in their system. He asked If I was married and explained my spouse may have filled out an application and ( added ) my name to the application. After researching further, he found that to be true. My name was added to the application. However, I never authorized this company to run my credit. Adding my name to an application is permissible. However running my credit without my consent is not. I tried to resolve this matter by simply asking for a letter from Veterans United that would remove this inquiry from my credit report. However, the supervisor disregarded my request. Veterans United had no authorization or authority to run my credit without my permission or signature. After explaining all of this, they are refusing to correct this matter. I would like this inquiry removed from my XXXX  and XXXX  credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i should have nothing on my credit history except for 1 times a year payin taxes i have had id problems since i was a small boy ive never had a credit card and only 1 bank account and it is with 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 2021-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I spoke with a representative that told me I should have received title within 25 days from payoff date, which was XX/XX/XXXX. After the representative looked further into account notes, she stated the title had been requested because it wasn't held in house. As of XX/XX/XXXX, she doesn't know when to expect title, why it wasn't sent ir when I would receive it. When I asked to speak to a manager or someone who could give me an answer, she stated there wasn't anyone. All she fan donis send an email. 

Exeter finance has taken my money and not sent me my car title. No one can explain to me when I'll receive it, the hold up or where I can complain about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
this is my 3rd letter to the CRA 'S ( TRANSUNION, XXXX, AND XXXX  ) about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XX/XX/2020 and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.

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 2021-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I reported fraudulent charges on my BofA account ( {$8700.00}, approx ) was stolen. The Claim # XXXX. 
The bank sends me a new card, but it doesnt work. So I call BofA, and they say my account is suspended and I can not even access the money that was not stolen ( {$7800.00} )!!! They wont tell me how long. And tell me to call a number that no one answers to help. Ive waited. I am on XXXX and in XXXX XXXX. If they dont release my money that wasnt stolen, I can not pay insurance, rent or get my medicine. I have NO MONEY! Please help! I dont know where to go. 
Sincerest regards, 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 2021-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter on XXXX XXXX the company has failed to validate my debt. Instead they sent a list of medical records and procedures which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I'm requesting to please delete this information from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX XXXX XXXX XXXX  XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XX/XX/XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that 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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX  XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that 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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rauch-Milliken International, Inc.
State: MA

Complaint narrative:
To the XXXX, I would like to make you aware of a situation involving the company XXXX. I had a membership agreement with them from XX/XX/XXXX - XX/XX/XXXX. I am a small business of one, I am XXXX years old, and I have never dealt with such a terrible company. 

I was under the impression that I was signing an agreement with a moral, righteous corporation. One which preaches " community '' and praises young entrepreneurs. I was sorely mistaken. 

When COVID-19 first hit MA ( where I reside ), a majority of my membership agreements were put on hold ( gym, et cetera ) due to the MANDATORY stay at home order from XX/XX/XXXX - XX/XX/XXXX. XXXX continued to charge me and thousands upon thousands of members although I could not LEGALLY go into my office and use their services. I asked them to pause my membership until I could LEGALLY go back into my office. XXXX refused. In fact, they didn't give me any reasonable concessions. The pandemic continued, and I as well as millions of small business owners were continually charged. I had to put a stop payment with my bank. 

It is worth noting that I filed a complaint with the Massachusetts Attorney General. The AG 'S office reached out to XXXX on my behalf, and they did not respond. 

Fast forward to XX/XX/XXXX, and they have now sent my debt to collections. The collections agency, named Rauch-Milliken International , Inc., has threatened to seize assets ( of which I have none, I am a XXXX-year-old rentee ), threatened lawsuits, and made me feel extremely uncomfortable, stressed, and freaked out in an already increasingly stressful situation with COVID-19. You have no idea what kind of additional pressure I feel. 

I'm not sure what can be done here, but the AG 's office instructed me to file a complaint with your office. 

Here is some literature on XXXX as of XXXX which is worth noting : https : XXXX https : XXXX It is not just me. It is many, many Americans and I'm sure international members that are feeling pressured, threatened, and intimidated by a multi-billion dollar company to pay rent in a global pandemic. It's also worth pointing out that XXXX, themselves, has not paid rent at some of their offices. 

I will attach the correspondence from the debt collectors below. 

I hope to hear back from you. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our RMA application and or the offer for purchase. 

The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said RMA application. 

SN Servicing Corporation stated that XXXX XXXX XXXX would be considered and eligible for a COVID-19 Forbearance plan and that XXXX XXXX XXXX would be entered into the plan on XX/XX/XXXX and payments as well as any foreclosure activity would be placed on hold. Instead XXXX XXXX XXXX received a notice of foreclosure sale scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 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: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
To whom it may concern on XX/XX/2020 Select Portfolio Servicing ( bank ) granted a 90-forbearance due to covid 19 hardship. Reduction in hours, school closures, office shutting down etc. During the forbearance period starting on XX/XX/2020 ending XX/XX/2020 o payments were due. However Only XX/XX/2020, Select Portfolio Servicing, then reported to the 3 credit bureaus that my mortgage account ( which they no longer had ) was over 60 days past due. THIS IS NOT THE CASE, under the Federal guidelines, NO NEGATIVE REPORTING WAS TO BE DONE TO CREDIT AGENCIES DURING THE FORBEARANCE. ( from Select Portfolio Servicing ). 
I contacted SPS, they told me they no longer have account information and would not take back the negative credit report. After several failed attempts with SPS ( select portfolio servicing ) to fix my credit report, I then contacted XXXX, and disputed this issues 3 times with them each time submitting documents that prove that SPS fraudulently reported 60 days past due on my credit even though a forbearance was in place. I received a letter back on XX/XX/XXXX from SPS admitted they reported incorrectly and would fix it, they never did. I supplied XXXX with these documents and now my credit report is even further damaged, it now shows incorrectly that I was 60 days past due on my SPS account in XXXX of 2020 even though i did not have that account open as of XX/XX/2020. Select Portfolio Servicing has broken federal guidelines during a forbearance and still as of today XX/XX/2020 has still NOT fixed my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2021-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
this is my 3rd letter to the CRA 'S XXXX XX/XX/XXXX, EQUIFAX, AND XX/XX/XXXX about inaccurate and incomplete accounts they are reporting on my credit report that is old or unverified. I submitted the letters on the XXXX of XXXX and has not gotten any response in this matter.this is stressful to the max by not being able to get any help in this matter.i have copies of my complaints below.

Company response to consumer: Closed with explanation