vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
The mortgage company is delaying progress in reviewing my loan modification application. I inquired the loan modification on XX/XX/XXXX. Uploaded documentation needed by XXXX XXXX. During the past XXXX XXXX weeks I have been asked for documents already uploaded to their portal. I also emailed the same documents. They are delaying the relief I need until my circumstances change. I have been paying two mortages on {$30.00} per hour pay. Both mortgage companies are operating in the same fashion. They are not taking the time to evaluate documents sent beginning XX/XX/XXXX. I sent my pay slips/stubs, several bank statements, spoke with several representatives with no movement on my review to modify this loan. 

The loss mitigation department took two weeks to tell me documents were missing. Upon confirmation by a customer service representative said the documents were there. I explained the current events of my tenants. This led to them asking for more bank statements knowing they haven't been able to pay any rent since XX/XX/XXXX. 

Now I am further behind on a loan modication work out plan because the loss mitigation department refuses to pull documents from the portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: NJ

Complaint narrative:
Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.SXXXX Department XXXX XXXX XXXX Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.

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 2023-02-25 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: NJ

Complaint narrative:
Per XXXX this complaint should go to the U.S. Department of Education. As the loan servicer XXXX I have already applied for borrowers defense and my application has not been reviewed. XXXX is the servicer for my student loans which means they have the ability to review and forgive the debt that occurred as a result of predatory lending. 
My loan balance is currently inaccurate. All the loans for XXXX XXXX XXXX amounting to {$33000.00} should be forgiven. I informed the U.S. Department of Labor/XXXX through Borrower defense XXXX case # XXXX regarding this and nothing was done to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: VA

Complaint narrative:
Choice Recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$280.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Choice Recovery failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Choice Recovery and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I formerly had phone service with XXXX and I was set up on automatic payments. They switched to XXXX  without my consent and cut off my service so that I could not properly make and receive calls because I had a XXXX XXXX XXXX they continued to charge me for 6 additional months even though they communicated with me that my service was XXXX!! I decided to continue to use the phone as a wifi phone because I own the phone I paid cash for the phone they then illegally put a block on my XXXX number then charged me an additional {$110.00} and illegally submitted as a collection when its my position they actually owe me because they continued to automatically bill me when they had already XXXX my service! The only reason they stop illegally charging me is my debt card expired or I had to get a new debit card so the automatic charges stopped! XXXX put a collection on me despite having continue automatically bill me after THEY XXXX my service! Because they switched to XXXX I continued to be charged my XXXX without service!

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 2023-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MD

Complaint narrative:
I was contacted on XX/XX/XXXX, XXXXXXXX XXXX by text, I looked up the company and XXXX said it was debt collection agency, I replied HELP and for help and then requested a debt validation letter. It is now XX/XX/XXXX and I still have not received a debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX retained AR Resources , Inc. for legal representation provided false statements as well as two itemized bills each with different amounts AR Resources repsonse suggest that there was communication and issuance of financial assistance forms to be filled out when no such forms where provided to me. In my communications with the office of XXXX XXXX XXXX they expressed that all I needed to do was send an email expressing my financial hardship, which I did several times. AR Resources does not have the right to my health insurance information this is an invasion of my health information privacy. HIPPA Regulations have been violated and for that reason I have reported both XXXX XXXX XXXX  and AR Resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
account was disputed but is still on my credit report as updated. I requested a requested copies of the verification process but was denied that information from XXXX, XXXX, XXXX  and the collection agency Calvary portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Io, Inc.
State: VA

Complaint narrative:
Receivable Management System is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$150.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Receivable Management System failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debt being reported. I have no obligation to pay Receivable Management System and Im demanding them to remove the collection account from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023 my Capital One card was used at several stores in the XXXX, Louisiana area coming to a total of {$2400.00}. This total includes charges from XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, etc. Capital One instructed me to dispute the transactions as they posted so that total was reported in 4 different claims. One of the claims was originally disputed ( later reversed ) however I was told to wait 10 business days for the decision on the 3 other disputes. After calling Capital One several times within the 10 days, an employee informed me that the rest of the claims were declined. I have proof that I was at work while these transactions were made and did not approve them. Capital One claims that the transactions match a pattern however I have never spent {$1000.00} at one XXXX in separate transactions ( that I contacted XXXX and found out were gift card purchases which is a common scheme in XXXX XXXX ). I am truly appalled that my first and only bank would not even bother investigating transactions that I did not make. Its absurd and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Called in XXXX of last year to get a mailing address this company refused to send me a return envelope so called and ask for address to send check and I was informed that they have turned me my account over to collections I ask for the address and name of collection agency and the guy would not tell me so the address he gave me was the address to the credit card company when he ask for my number I informed him that he was not to call then XX/XX/XXXX I get yet another call from the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: TX

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
The personal information for my Kohls account is incorrect. I have notified the company on three different occasions that my name is incorrect on my account and card and nothing has been done to correct the error. My name is XXXX XXXX XXXX. But on my Kohls account and card my name is listed as XXXX XXXX XXXX. Please correct this error as soon as possible and notify any consumer reporting agencies of this error. Please see attached all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
They send me emails every day now that they can only call every 8 days they will send to attorney. They send emails with things like your future is inevitable pre legal track

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had two account secure and unsecured never missed a payment for both, credit score was excellent, paid all my bills on time, I received a decrease on my score, because citi reported I missed two payments three years back which was false so I contacted citi, a rep said they will send me a letter showing that i didn't missed no payments, I waited entire month, so i called again, rep said its been mail give it time i knew it was a lie, so i contacted CFBP, after they were contacted by CFBP the following week my unsecured card was decreased, this was their retaliation because I contacted CFBP, but it didn't end there, they closed my account and I called I was told by a rep that they mailed out a letter, I got the letter three weeks later stating my account closed without any reason, so I called citi card and this time I spoke with management who then told me they don't have to provide a reason, so, I contacted CFBP again and CFBP contacted citi again and a week after CFBP contacted citi and me still paying my monthly payment on my secure card, that account was closed and an email on the citi app and letter stating my accounts are officially closed and I need to unlink my accounts from their app

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 2023-02-25 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: NJ

Complaint narrative:
There are accounts that are not mine on my report. XXXX XXXX XXXX {$23000.00} XX/XX/2021. XXXX XXXX XXXX {$12000.00} XX/XX/2021. XXXX XXXXXXXX XXXX  {$87.00}, XXXX XXXX {$30.00}, XXXX XXXX {$30.00}, XXXX XXXX {$4.00}.

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 non-monetary relief
Consumer complaint received 2023-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: IL

Complaint narrative:
After ongoing disputes, XXXX and Transunion have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.

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 2023-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
Amerihome mortgage loan # XXXX I made a payment that cleared on XX/XX/XXXX for {$420.00}. * This amount was more than the minimum {$400.00} payment* It was processed as a interest only pament. I contacted amerihome mortgage and they assured me it will be fixed very quickly. i waited 16 days. I have had a difficult time with them in the past, where I was being taxed in escrow - but I am exempt from taxes.That was from XX/XX/XXXX complaint. I never received credit towards principal or refund from that issue. So I was worried that they were going to report me for not making my XX/XX/XXXX payment I made another payment on XX/XX/XXXX in the amount of {$400.00}. Then I the received a letter stating my escrow account was going to have a shortage. I understand my homeowners insurance is going up {$130.00} a year, and my pmi is going down {$11.00} a year.I had two choices, either send in a escrow only payment for {$200.00} and my new payment would go up to $ XXXXOr I could also do nothing and my new monthly payment would be $ XXXXi called XXXX about this and was told no matter how much I paid extra into interest/insurance escrow only my payment would not be allowed to go back to the {$400.00} payment I struggled to get when they where collecting taxes ( which were never paid cause I do not pay taxes ) So paid online on XX/XX/XXXX $ XXXXToday is XX/XX/XXXX, there website, phone tree states I owe {$430.00} coming up first of XXXX. They have also reported to the credit bureaus that my home Loan actually increased {$170.00}, and that my minimum payment is not {$400.00} or {$410.00}, but {$430.00} this was reported to them after my XX/XX/XXXX payment of {$200.00}, I requested a new account analysis because the amounts of money in escrow seemed greater than what was stated in the letter .My payment due date is fast approaching for XXXX. I know understand why they first told me when I got the loan that I would receive a payment coupon book. They said no, I will not receive a payment coupon book.So they can change my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC
State: UT

Complaint narrative:
my bank account was seized, i just turned XXXX XXXX XXXX on XXXX XX/XX/XXXX, i called the company XXXXXXXX XXXX today ( sat XXXX XX/XX/XXXX ) they said that i have to call on Monday again i went to XXXX and i have a lot of collections on my credit report, the credit report says that i was born on XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I opened this credit card to help boost my credit score, after receiving the card I never used the card or spent any money from the card After checking my credit report I seen the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX  Closed This means that for 3 months I was listed as past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After ongoing disputes, Experian and XXXX have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.

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