vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
On or about XX/XX/XXXX, my deceased husband XXXX XXXX executed a promissory note as the sole obligor that was given to XXXX XXXX XXXX XXXX as the lender, and to secure said promise to repay, my late husband and I both executed a deed of trust dated the same. 

With the first payment made towards the foregoing transaction in the year XXXX up until or around the year XXXX, my credit profile never reflected said transaction for which only my late husband was an obligor. Proof that I was never an obligor for said transaction is demonstrated within a correspondence dated XX/XX/XXXX from XXXX XXXX XXXX  ( " XXXX '' ) as the mortgage servicer, addressed to both myself and US Senator XXXX XXXX that is attached hereto as Exhibit 1, wherein XXXX clearly stated that a " ... review of this loan has found that you are not a co-signer on the Note for XXXX XXXX 's ' loan. Since you are not financially responsible for this loan, we are unable to consider you for a loan modification .... ''. 

Upon Select Portfolio Servicing ( " SPS '' ) becoming the servicer for said transaction in or around the year XXXX, SPS begin reporting said transaction to the credit bureaus as if I was an obligor when I never executed the original note as an obligor as demonstrated within XXXX 's XXXX correspondence ( See Exhibit 1 ). Furthermore, in the year XXXX I discovered that either Chase or SPS caused my name and signature to be authored and forged upon a note instrument filed with the U.S. Bankruptcy Court for the XXXX  District of Virginia in Case No. XXXX ( See Exhibit 2 ), followed by the forging of both my name and late husband 's name upon a modification dated in the year XXXX ( See Exhibit 3 ), which neither one of us requested or needed at the time. 

Lastly, to avoid the foreclosure of my home, I was pressured into executing a predatory - unconscionable modification created by SPS that is void of a break down of my payments towards principal and interest, and consisting of a balloon payment. Furthermore, SPS created an escrow account for both hazard insurance premiums and real property taxes when the latter was exempted by XXXX County since XXXX as seen within Exhibit 4.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: WA

Complaint narrative:
I contact Transunion in XXXX and XXXX in regards to 3 fraudulent account that didnt belong to me that were due to identity theft ( XXXX XXXX, XXXX  XXXX  and XXXX  ) these account were open in my name without my authorization. I talk to representative in the beginning of XXXX to advised them of the issue and he asked for my police report number, and a statement, in which I did. Once the dispute was done they denied my request. I called and spoke with a rep who advised me that they needed a copy of my police report. I sent my police report and dispute letter on XX/XX/XXXX certified mail and I showed it was received XX/XX/XXXX ( tracking number XXXX. I called Transunion in XX/XX/XXXX to see if they started progressing my dispute, they told me they having got it yet and it takes 5 days for the dispute to get into the system. So I waited until today XX/XX/XXXX to call to see if they received. The first rep I spoke lie to me and told me they havent received it and started to mention my old old disputes. Then he placed me on hold for 20 minutes then stated that they received my request on XX/XX/XXXX and that they closed out my request today XX/XX/XXXX and they my dispute was denied again. So i called them again and requested to speak with a supervisor, once the supervisor got on the phone, I advised of the last representative that I spoke with him, and I asked her to look over my disputes. She looked over my disputes and she told me that they didnt received my letter for XX/XX/XXXX and she then progressed to open a new dispute ... I dont know whats going on with Transunion but they are violating a lot of the fcra rules and regulations and they arent protecting victims of identity theft. The fact that arent taking this issues or trying to help me with this issue is disgusting. I feel like they are trying this like a game. This is my life and my credit. I worked hard to keep get my credit good. The fact that they arent doing their job is just disturbing. I will be also contacting the ceo XXXX XXXX to review all those calls and to see how his employee treats their customers and how they dont follow the fcra follows

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 2020-10-06 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: FL

Complaint narrative:
I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( XXXX, XXXX  & TransUnion ) in XX/XX/XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any

of these three ( 3 ) Agencies. I have sent as Many AS Many as thirty-five to some. I now believe I am the VICTIM of " AGE DISCRIMINATI
ON ''

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 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I rented a care through a third party ( price line ) for XXXX XXXX  XXXX  I returned the vehicle two days late and the car company over charged me {$1000.00} for the two days. I disputed the transaction. and bank of America allowed it. I provided rental agreements and receipt

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 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Society Business Services, Inc.
State: TX

Complaint narrative:
om XX/XX/2020 there was a collection added to my credit report in the amount of {$560.00} from Bureau of Med Econmics, I am not aware of this charge or this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had 2 deferrals due to impact of corona virus each of 3 months starting payment of XXXX till XXXX. I needed to cancel the deferral and refinance with another entity so I called the bank of America XX/XX/XXXX to cancel the deferral they told me I have to make XXXX payment to cancel it which I did, they took the money and misleadingly put it towards future XXXX payment. 
I called again on XX/XX/XXXX to double check I'm not on deferral they told me I have to pay the deferral amount which I did a total of 6 months. 
I call them every day spend 7 hours every days for 10 days now to stay on hold and they transfer me to different people but still they do not apply 2 months payments I believe they did that to prevent me from refinance to another bank. spoke to managers I have names, made complains they keep telling me its not in their hand. 
I keep paying fees for extension of the loan closure that I have with the new lender and the lock date is XX/XX/XXXX I feel I'm taken as a XXXX they had their money from XXXX of last month I keep paying for fees everyday and they keep making interests on my money. 
they promised me to apply the payments 4 days from the XXXX but they didn't. 
please help me switch my lender its affecting my life and my family.

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 monetary relief
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: MO

Complaint narrative:
I got an email a few months ago from XXXX that this account was added to my report. The company is Recovery One LLC. Not only do I not have any knowledge of this account I was never contracted by mail or phone about owing a debt. I have called, disputed and wrote a letter explaining this is not my debt. Also the date of birth they have in their records for me is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc.
State: FL

Complaint narrative:
I HAVE IN THE LAST 5 DAYS RECEIVED SEVERAL PHONE CALLS FROM USI SOLUTIONS.  REPRESENTATIVE BY THE NAME OF XXXX CALLED AND I advised I did not owe this debt he insisted i needed to GET A PEN AND WRITE DOWN THE ADDRESS SO THAT I CAN SEND PROOF THAT I DID NOT OWE THE DEBT. 

HE THEN PUT A GENTLEMAN ON THE PHONE THAT WAS SCREAMING GET A PEN. 

I ADVISED THAT GUY I DONOT WANT THEM CALLING ME AGAIN HE REFUSED TO LISTEN TO ME AND DISCONNECTED THE CALL. 
i CALLED BACK AND ADVISED XXXX NOT TO CALL ME AND HE INSISTED ALL I NEEDED TO DO WAS GET A PEN AND WRIT DOWN THE ADDRESS I ADVISED AGAIN NOT TO CONTACT ME. 
call dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent a certified mail to Equifax to update the inaccurate and derogatory payment history on my credit report. I provided supporting documentation from the creditor, XXXX XXXX that the delinquencies ( 3 ) have been removed from my account. 

After numerous telephone calls and follow-ups, As of XX/XX/2020 which is in excess of 90 days, Equifax has failed to update and report this information accurately as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
There is a charge reported on my credit on XX/XX/2020 report of {$4600.00} from Tam/Spears DeWitt Hall. I was asked to leave this apartment and when I git the final charges they were a little over XXXX XXXX dollars. Now it seems that this amount has doubled,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: FL

Complaint narrative:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2020-10-06 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: MO

Complaint narrative:
The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs ago and I work hard to get my reports as accurate as possible. There is a fraud alert on  my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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: MO

Complaint narrative:
The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs  ago and I work hard to get my reports as accurate as possible. There is a fraud alert on my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.

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 2020-10-06 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Automatic Data Processing, Inc.
State: MD

Complaint narrative:
My payroll check is deposited into this account. On XX/XX/XXXX XXXX XXXX tickets were purchased using my card totaling over {$4800.00}. There would be no reason for me to make such a large purchase as my tickets are discounted at a very low rate to free. I called XXXX  ADP/ XXXX  XXXX  to file a complaint XX/XX/XXXX and was told it would take 90days to complete. At the end of their investigation I was told no error was committed and that I wouldnt receive a refund. I did not make the purchase. XXXX said its a bank issue and no one will provide me with any information on where the tickets. My account was hacked. Fraud was committed Id like my money back from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
Despite over twowritten requests, the unverified items listed still remain on my credit report in violation of Federal Law.

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 2020-10-06 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.

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 2020-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I had fallen behind due to covid and loss of income. My business has suffered as have I.

I put in documents and was told no program was available to me. JUST PAY UP. I can not do that. I was given no parameters or reason as to
why??? NPV values were left off.

What are the guidelines.No one talks there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Recently obtained a copy of credit reports and noticed an account i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
On XX/XX/2020 at XXXX XXXX. I received a text message looking for a " XXXX XXXX. '' I have been pestered by these kind of calls and texts before, the last time from a company called ERC, who promised to take my phone number off their records. I don't know a XXXX XXXX, and I have had my phone number since the late XXXX. Apparently someone by that name, and a " XXXX XXXX '' have used my phone number fraudulently. I have explained this to a number of debt collectors, including ERC, XXXX XXXX XXXX, XXXX XXXX as well as XXXX XXXX. They use various rotating phone numbers to call me or text me, looking for " XXXX XXXX '' and/or " XXXX XXXX. '' I have attached the letter I received from ERC as well as an image of the text that came today from phone number XXXX. They want me to call XXXX, file number XXXX, requesting XXXX XXXX ' immediate response. The phone number beginning with XXXX also called and left message XX/XX/2020 and I filed a complaint with the FTC on that occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I received a call from Ally that a {$500.00} XXXX transfer I had received on XX/XX/XXXX had been flagged for fraud by the person who sent it. My father sent this payment to me and I was easily able to confirm that he did not flag it for fraud. Either Ally, the XXXX XXXX, or XXXX flagged the transaction for fraud for some reason and we were not notified. Ally locked my account and froze my funds ( over {$10000.00} ). They said that the matter was under investigation and could take up to 90 days to get resolved. I need access to my funds to pay expenses and bills.

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 2020-10-06 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: NC

Complaint narrative:
Equifax continues to report a {$3100.00} credit card collection from XXXX XXXX on my credit report. I am no longer an authorized user on this account, nor am I responsible for its repayment in any way. I have been contacting Equifax about this issue for months, but they refuse to take that account ( that does not belong to me ) off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06 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:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation