vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$310.00}

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX / XXXX / {$310.00}

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 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I do not owe nor is aware of this debt.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
I had a XXXX XXXX account after a rude customer service person denied a issue I had. He then closed my account as fraud. Then XXXX would not allow me to appeal the decision. They then cowards my account to Tenagala and hunt who said they are a law firm but XXXX says they are debt collector. I cant tell if they are really lawyer they will not clarify. I emailed them back in XXXX XXXXthey never return my call or inquiries. Now they are suing me. I have tried to settle it but the account is charged off on my credit. XXXX never showed proff my account was fraud. This lawyer or debt collect will not prove if they are really a lawyer or debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have a Mortgage with Select Portfolio Servicing for {$160000.00}. On XXXX XX/XX/2022 I paid {$80000.00}. to my Principal. 

Because my monthly payment didn't change, I asked for a new payment schedule, but the lender answered with a letter telling them that they can't provide MY payment schedule, because it is a privilege information? I am enclosing the letter bellow. 

Also I called and asked for the mortgage recasting, and they said I don't qualify, when I asked the reason, the operator says she can't tell my reason, just the system doesn't allow her to do it, and when I asked to provide that answer in writing she answered they can't provide it. 

I would like to add that I never had missing a single payment in my whole life, and that I have an excellent credit score. 

Honestly I feel they are stealing from me and I believe something is not right in this whole situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I, the consumer was contacted by Caine and Weiner by ways of mail to my dwelling, presenting as a debt collector for a " debt '' owed to XXXX. In response, I demanded the an opportunity to verify the validity of the debt, and was in receipt of the information to do so. Instead, I was sent another invoice stating their position as a debt collector. On XX/XX/2022, I certified mail an affidavit, and have yet to get a response from the Caine and Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates , LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. It is in my belief that Portfolio Recovery Associates , LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had received a large amount on my card around XXXX of XXXX I used about XXXX of it and went to jail. When I got out of jail my dad had died and I went to take care of my little sister out of town. I finally went home some months later and realized that I still had money on my card. I noticed that the card was missing so I called and they reviled that almost XXXX had been taken. Beauty salons, bank transactions that were not me. So I send in dispute they acknowledged that it wasnt me that had made the transactions I signed papers and sent in a complaint with card holder services. They write me back XXXX weeks later saying that I benefited in my card being stolen so they wont refund. How did they figure that? Like my card was stolen and money was taken out without my permission and they say I had to have benefited in this theft of mine, like what sense does that make?

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 2022-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My wife and I have been trying to work with our lender, Truist, to place our mortgage account in forbearance due to COVID, using the provisions of the CARES act. I initially spoke to the bank in XXXX and indicated we we're experiencing a financial hardship directly related to COVID. At that time, the bank should have informed me of the provisions of the CARES Act and that they could place our account in a forbearance status for 180 days. However, this did not happen ; we waited approximately a month to request a forbearance, and the bank indicated they we're going to send us paperwork to complete. Upon receipt of the paperwork, we determined the bank was interested in pursuing a loan modification, which would result in additional fees. 
In an attempt to mitigate these circumstances, my wife attempted to discuss this matter with the bank, and their response was that once the paperwork was received, a loan specialist would reach out to discuss next steps. All through out this process, the bank was never interested in " offering '' the terms of the CARES Act, and was simply trying to use their position of power to push their agenda. 
The issue was finally resolved when I called the bank and told them we qualified for a CARES Act forbearance. However, they still tried to push their agenda by indicating the forbearance would only be for 90 days, despite the Act indicating an initial period of 180 days, and that after the forbearance period ended we would be required to pay the entire sum accrued during the forbearance period. This is also patently false since our mortgage is backed by the VA, and due to this fact, we would not be required to pay a balloon payment upon the end of the forbearance period. 
The bottom line is that the bank was only interested in pursuing the best route for them, and not advising us of all applicable remedies available under the law. I shudder in thinking how many other veterans have been taken advantage of through no fault of their own. 
Lastly, I will be communicating this, apparent, complete lack of integrity on the part of the bank with my Congressman. Taking advantage of families during this current period is both shameful and borderline illegal. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I contacted American Express as they keep denying me of a Bankruptcy that was discharged in XXXX, l called today XX/XX/XXXX to ask what is the waiting period for applying based on this denied application reason in the past spoke to a supervisor names XXXX, she told me they have no information on that and said lets try the application and if denied she would get me to an new account specialist, l was denied and give a reference number XXXX which l gave XXXX and she put me on hold then game back and said l am connecting you to a new account representative, they told me the reason was the Bankruptcy, l told them that it was discharged in XXXX, and other major banks have given me credit cards and l have a A Rating on payments and a score sitting close to 700 with my credit file. He told me that as long as it shows on your report you will be denied, so my complaint is why do the application taking representatives not have that same information as one to not waste the consumers time and two not have an impact on your credit score, this is unfair and unjust. I am filing this complaint for American Express to answer and address this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, XXXX, and Transunion. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, Equifax, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: AL

Complaint narrative:
My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.

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 2022-03-24 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: AL

Complaint narrative:
My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
When XXXX happened in XX/XX/2020, we were offered a 3 month forbearance program where the 3 months would be added to the end of the loan term. On month number 4, i began making my regular monthly payments. I tried unsuccessfully to have them remove me from the program as I no longer needed it and they repeatedly claimed that I was not in the program and they would fix the issue once they caught up with paperwork. The original mortgage company sold my mtg to FREEDOM MORTGAGE where they continued to do the same thing, FRAUDULENTLY keeping me in a program that I did not need nor request and I continued making my monthly payments. After almost 2 yrs, they have taken me out of the program and are demanding I sign a new agreement which changes the terms of my existing mortgage or threaten to start foreclosure proceedings. I have made a payment towards the 3 month forbearance program leaving me with a total due of 2 months currently. They continue to change the original terms of the program and will not work with me after fraudulently keeping me in a program I was making monthly payments on that I did not need! Every month I have had the same conversation with the people at FREEDOM MORTGAGE, that they were keeping me hostage while taking my money. I continue to make my current payments each month, they accept them but do not apply them towards the current month due and instead hold it in an unapplied funds account. Because of their actions, they have destroyed my credit rating and has resulted in credit account cards being shut down and canceled and or lowering my credit amount. 
This company is a debt collector and does not own my mortgage. I demand they be investigated for fraudulently keeping me in a program I did not apply for longer than three months and the proof is in the fact that my payments have been made since month number 4 ( after the 3 month program expired ) I demand an explanation as to why they ignored my pleas to do the right thing while taking my monthly payments. I also demand they correct my credit rating. This is criminal! I have numerous recordings every month calling in demanding an explanation from Freedom Mortgage for all of the above. 
They can not even produce signed paperwork for a forbearance program because they have none.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have never had an account with this creditor, this is not my billing address and I checked all 3 credit bureaus for any collections reported. This is identity fraud. This vendor is claiming false debt to obtain personal information on people.

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 2022-03-24 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: AL

Complaint narrative:
My name is XXXX XXXX and I have tried on numerous occasions to get the Bureaus to investigate the fraudulent student loans and inquiries on my credit reports yet they have refused to do so by law. I am asking for help here to assure that the bureaus do their jobs per the FCRA and protect guys like myself the consumer. Please see attached documents.

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 2022-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Specialized Loan Servicing services a 2nd Mortgage ( HELOC ) on a property that was foreclosed 4 years ago. The secured asset is gone, the 1st mortgage foreclosed but Specialized Loan Servicing says they chose not to fall. It is my understanding that they lost their claim when the secured asset was foreclosed by the 1st mortgage. 95 % of the conversations with Specialized Loan Servicing is aggressive and predatory, therefore I refuse to give them my current address. I've asked for them to prove the debt and any transfer of ownership, this predates the 2008 mortgage crises and they are not the original investor and/or servicer. I believe if the debt was provable that there are federal programs to assist in their loss, but since I doubt there is a proper paper trail I believe they are simply attempting to bully me into paying them monies I no longer owe due to a previous foreclosure.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UPGRADE, INC.
State: OH

Complaint narrative:
When trying to make a payment, UPGRADE, website would not load. This was tried on three different browsers. When I called to make payment over the phone they could not verify any of my bank accounts ( 3 ). This resulted in a 21 day past due/delinquent account. Only after telling them I was reporting them were they able to process a payment.

Company response to consumer: Closed with explanation