vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have been making payments to this account and have been marked late twice on this account even though it was paid before the 30 days late due to COVID. 
Each month the bill is XXXX and it is due on the first of each month.. 
I had to stop automatic deductions due to Covid and noy receiving a paycheck in the summer. 
One Main would take funds out of the account and rather have it apply to the past due amount, the payment would apply to the current amount. This action causes me to be late on the past due amount as well as cause me to incur late fees. One Main 's website gives an option to apply funds to the past due amount but it does not apply it correctly which causes me to get a late payment on my credit report. 
I have disputed this several times on my credit and have reached out to One Main once in regards to this. I should not be marked late nor do I want to redo this loan, which is what One Main has offered. I do not want this costly form of credit. I just want to pay it off. 
I want my credit report updated and the lates removed. I feel that this is a deceptive practice from One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX  XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXX XXXX, XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with XXXX XXXX evidence that XXXX XXXX  XXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXX XXXX XXXX. This is extremely illegal. Most recently I have called XXXX Headquarter and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.

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 2021-01-12 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
Remove accounts which are not belong to me.. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - My wife and I decided to switch from XXXX to XXXX XXXX XXXX. XXXX  service was very spotty when I was XXXX overseas. 

XX/XX/XXXX - We make the switch to XXXX XXXX XXXX and pay off our phone contracts with XXXX XX/XX/XXXX - XXXX sends an email asking us to return and promising monetary compensation for returning. 

XX/XX/XXXX to XX/XX/XXXX - XXXX continues to send us bills even though we remind them each time we have paid for our phones in full and paid our final bill. 

XX/XX/XXXX - I am informed that XXXX has sent the bill to collections. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain that the bill should have never been sent to collections with evidence XX/XX/XXXX - I begin the dispute process with the 3 credit bureaus. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - XXXX  investigated and did NOT delete the account from my credit report. They instructed me to contact CFPB with my evidence. 

XX/XX/XXXX - XXXX  investigated and deleted the account from my credit report. 

XX/XX/XXXX - Diversified Adjustment Service contacts us. I explain I have disputed the account, successfully have gotten it removed from 2 out of 3 reports, and I will keep working to get it removed from the third. Diversified Adjustment Service threatens us that they will keep shopping around the debt and keep reporting to all the credit bureaus if we dont pay. 

XX/XX/XXXX - My XXXX XXXX contract ends. I began the process of switching to the reserves to continue to serve my country. To do so, I am required to hold a secret security clearance. Having this account in collections threatens my clearance. I am very concerned I will not be able to provide for my family because of this false debt. 

XX/XX/XXXX - I received another collections attempt from a different company called XXXX  XXXX XXXX which leads me to believe Diversified Adjustments Service has followed through on their threat.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PR

Complaint narrative:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this XXXX XXXX were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

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 2021-01-12 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: PR

Complaint narrative:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this Credit Union were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Hello and thank you for your assistance. This is my 3rd complaint filed with PHH Mortgage, as they continue to misapply my mortgage payments. I have not yet received any response from my second complaint filed in XX/XX/2020. I have had phone contact with PHH representatives in attempts to verify that payments are properly applied. They seem unable/unwilling to correct the problem. In summary, my monthly payment is being applied to " principal only '', which is a misapplication and has resulted already in one late fee ( later reversed when I contacted them ). This company is impossible to deal with. I have paid my mortgage consistently on time throughout the life of this loan. I have attempted to make some Principal Only payments, but they were also consistently misapplied even though I am following their guidelines on how to submit Principal only payments. I do not believe PHH is acting in good faith with me and I request your assistance with this. Thank you very much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
This is Regarding Unauthorized hard inquiry left by XXXX on XX/XX/2020 after reach out XXXX and get letter stating that to remove this inquiry ask experian ASAP to remove it

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I mailed this letter off certified mail on XX/XX/2020 and I have yet to receive any correspondence from Equifax or XXXX. It has been over 60 days. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. I hope you find out whats going with this inaccurate information. Would you please clear this up quickly. A new credit report that reflects the updated credit report should sent. They should have completed an investigation within 30 days of receipt of this letter but they didn't and as a result this items must and have to be removed immediately. According to law unverifiable and inaccurate items must be removed and if you are unable to provide me with a verifiable proof within 15 days after your investigation, you must removed the accounts and or the information above. Also, I sent a letter to Equifax about and Incorrect, Unverifiable and Inaccurate Name and Address ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ) and this must be removed because that's not my name nor is it my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  XXXX. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the 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 2021-01-12 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-01-12 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 


I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Fraudulent cell phone number and account made at end of XXXX 2020. racked up my purportedly 1 phone account to the amount of {$600.00} for 3 months of cell phone service. talked to customer service numerous times over the past month or so and they agreed to cancel my debt and close the account due to fraud and then account had no phone tied to it or any data used in 3 months. now sequiem asset solutions is demanding payment for {$220.00}. The debt is not valid. And since my account is closed it shows all the cost of the phone on my current phone number and before this website was new working the app wasn't even working well and they were not able to show me that I owed any payments on my phone and I had made all these third party purchases.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation