vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
On XX/XX/2020 made a request ( through CFPB ) to have Select Portfolio Services ( SPS ) report our payment history to the Credit Reporting Agencies. The Credit Reporting Agencies informed us they would report the information when we got the lender to provide the information to them. 
SPS, in a letter dated XX/XX/2020, stated : " Please be advised it is SPS policy to cease reporting to the CRAs after a Chapter XXXX Bankruptcy Discharge, unless a Reaffirmation Agreement is obtained. '' Thus closing the previous file. 
On XX/XX/2020 at XXXX XXXX  I called SPS customer service and spoke with customer service rep XXXX. XXXX advised me that they could do nothing for me since it was the LAW that they could not provide my payment history to the CRAs without me sending them the Reaffirmation Agreement. 
After requesting a supervisor, I spoke with XXXX  XXXX. I advised XXXX ( as I did XXXX ) the following : 1 ) A Reaffirmation Agreement was signed at the time of the BK XXXX and was necessary to complete the Loan Modification that is currently in effect and up to date. 2 ) After XXXX was unable cite the LAW that precluded them providing the information to the CRAs, she admitted it was just company policy. 3 ) The loan modification concluded 3 years after the BK XXXX. Meaning that the lender required fresh signatures on the new agreement. Therefore, every signature was indeed and in fact a " Reaffirmation '' of commitment to repay the loan. 4 ) The other party on the loan with me was not a party to the BK XXXX and was still entitled to have all information properly reported to CRAs. 5 ) SPS has  the ability to properly report our information to the CRAs. SPS is being punitive and arbitrary. 
All I am requesting is for SPS to report our payment history, timely, completely and accurately, to the CRAs, as required by the Fair Credit Reporting Act. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: WI

Complaint narrative:
A least once a year I have to file a report to correct or dispute my credit report .Transunion is not reporting credit fairly my score was XXXX in XXXX its now at XXXX. First they added a business account on my personal file that drop my score by XXXX points. Unfair reporting, I've payoff four accounts three still show balances and the fourth shows account closed, the account was paid off not closed. It seems they report negative information than they offer service to correct it. I want my credit restored and these practices to stop. Reporting credit and selling credit reports is for sure a conflict of interest.

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 2020-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CarMax, Inc.
State: FL

Complaint narrative:
I took out an auto Loan with Carmax Finance. Carmax has called my employer on several occasions. I called Carmax and asked them to only call my personal phone number which I provided to them again and not to call my employer. They continued to call my employer several more times, and i have repeatedly called them to stop doing this and only call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I froze my credit report with Equifax after their data breach and Im now trying to unfreeze it. When I tried repeatedly to do this on their website I was informed that I had to do this by phone. When I called they told me they could not verify my identity after giving them all of my information ( ss # etc. ). I was then told that I was required to send them copies of my social security card and drivers license through the mail which I refused to do because of the obvious security reasons. I was then basically told to bad you wont be able to ever unfreeze your account. Equifax caused this problem in the first place and now they refuse to fix it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX  XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}

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 2020-05-13 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no XXXX try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX {$86.00} XXXX  XXXX XXXX {$120.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX {$810.00} XXXX   XXXX {$3200.00}

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 2020-05-13 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I took out a loan on XX/XX/XXXX for {$2500.00} XX/XX/XXXX - I paid {$360.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$160.00} XX/XX/XXXX - I paid {$160.00} At this point I experienced a medical and economic set back and couldnt make payments. I had paid them a total of {$1200.00} and my balance has increased to {$3500.00}, {$1000.00} higher than the original loan. 

I called them on XX/XX/XXXX offering to settle the account for a one-time payment of {$2000.00}, they refused. I also offered a payment plan but they only offered me to pay the {$2000.00} back owed and then continue paying them monthly at a rate the balance isnt being reduced. I have reached out to them 3 times since to no avail. 

I find their lack of urgency to get this account resolved highly predatory and have now disputed the entire loan on Washington state legality. They continue to report me late and assess fees monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}

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 2020-05-13 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$670.00} XXXX XXXX {$61000.00} XXXX XXXX {$200.00} XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX {$180.00} COLLECTIONS XXXX {$43.00} XXXX XXXX {$310.00} XXXX  XXXX {$8900.00}

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACADEMIC SOLUTIONS OF NEW YORK, LLC
State: IA

Complaint narrative:
XXXX XXXX from Recovery Solutions of New York has contacted my father, brother, sister-in-law and sister multiple times attempting to get my personal information, including my phone number, address and financial information. 

I have written to him twice, demanding that he cease all communications, however he has continued to contact my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Gallatin Valley Financial
State: CA

Complaint narrative:
XXXX XXXX is attempting to collect a debt that may be owed by an LLC which my husband was previously a XXXX XXXX, but is no longer associated with. My husband received a letter addressed to the company stating their attempt to collect a debt. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my employer at XXXX XXXX Pacific Daylight Time and left a message on their sales hotline asking that I return his call. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my cell phone at XXXX XXXX  Pacific Daylight Time. I answered and he immediately asked if it was me on the line. I asked who was calling and he said XXXX XXXX. I asked what the call was about and he said " The XXXX XXXX XXXX   Situation '' He asked to speak to my husband or Mr. XXXX. I told him I could not help as I was not in contact with Mr. XXXX and my husband was no longer a part of XXXX XXXX XXXX. He continued pressuring me, stating that my husband was liable for this debt, that there were " many angry brides lining up '', that " what we were doing was wrong '', and that we " better get this taken care of ''. I felt harassed because he kept pressuring me for answers which I did not have in regards to a debt which is not mine or my husbands but belongs to an XXXX, XXXX XXXX XXXX. XXXX XXXX also did not communicate who he was working for. I had to ask for the information specifically towards the end of the call at which time he admitted he was working for Rocky Mountain Credit, a debt collection agency out of XXXX, MT. 

On XX/XX/2020 he also contacted my husbands mother at her place of work, A direct violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
Dear Sir or Madam, Since the declaration of a global pandemic in early XX/XX/2020 followed by stay-at-home orders it quickly became clear that it was going to be quite some time before customers were going to hire interior home improvement contractors such as ourselves, anyone unless imperative. Immediately we contacted our mortgage servicer Fay Servicing LLC XXXX, IL. to request requirements of a partial release on our property to be able to downsize which would have enabled us to avoid the past due situation we are in with our mortgage. Multiple calls were made to a point of contact we were given as we left specific detailed requests for above mentioned information. Two different points of contact have not responded. On XXXX XXXX yet another inquiry was made where were told that Fay Servicing services loans for the owner of the loan, not the mortgagee. With being an obvious candidate for loan assistance at no time whatsoever were we solicited, offered, or contacted regarding loan assistance. We had to call and demand helpful information that may never come. There is a multitude of problems with our loan servicing such as undocumented charges, a gross miscalculation in the most recent 1098 tax form in excess of {$10000.00}, and overbearing late fees. Through many calls trying to resolve problems we are met with resistance while there are only attempts to expedite payment from Fay Servicing. It would seem that Fay Servicing would rather people lose their home than help keep it. We are asking for intervention from CFPB as we believe Fay Servicing to be very worthy of aggressive auditing and oversight during this pandemic. A copy of this complaint will be sent to the Commerce Secretary of Maryland where they will be asked to provide oversight in the matter. We are not opposed to escalating our complaint if deemed necessary. Please consider this correspondence as authorization for CFPB and the Commerce Secretary of Maryland to access our loan. Thank you for your consideration. 
XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
There are 2 pending collections on my credit report for approximately {$2500.00} each from Deville asset management in XXXX XXXX Texas. These debts are currently being tried in a court of law under the workers compensation act. During my workers compensation case ( still currently pending ) i did a vocational rehab program to get back to work after my injury. These bills are private loans from the school that are part of the workers compensation case and by law can not be collected. I have asked them to remove these from the credit bureaus over a year ago. My lawyer has sent them a letter in XXXX of 2019 and i have filed a dispute with the credit bureaus. They have ignored the letter from my lawyer and responded to the credit bureaus saying their claim was filed correctly. 
If they do not remove this from my credit report within 30 days, i will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: NJ

Complaint narrative:
TRANSUNION CREDIT REPORTING REQUESTING TRANSUNION TO REMOVE 4 NEGATIVE REPORTING ACCOUNTS FROM MY TRANSUNION CREDIT FILE : DUE TO THE NATIONAL EMERGENCY AND PANDEMIC, I HAVE NO ABILITY TO PAY THE FOLLOWING 4 ACCOUNTS LISTED BELOW AND AM ASKING THEM TO BE DELETED AT ONCE. THESE 4 ACCOUNTS ARE : 1 ) XXXX XXXX  2 ) XXXX  XXXX 3 ) XXXX XXXX 4 ) 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 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My brothers information is being shown on my credit report and his name is being used on my social security number

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a reservation at a hotel in XXXX on XX/XX/XXXX. The reservation clearly stated no penalty if cancelled 7 days before arrival. Arrival date was to be XX/XX/XXXX. Several days later, I noticed a charge for {$1100.00} on my credit card. I asked the hotel and they apologized that they did not clearly disclose, but there is a {$1100.00} non-refundable deposit for the stay. This was not clearly disclosed before purchase, or on the email they sent after purchase. They refused to return the amount. I filed a dispute with the credit card provider, and after 60 days they responded that they sided with hotel. The credit card company never asked for any documentation from me. I asked to appeal, and they said all decisions by them are final and no appeals are allowed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 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:
This complaint comes forth as I am a victim of Identity Theft, despite my efforts to dispute the fraudulent accounts and send in all supporting documents. Transunion would not respond to my efforts, the accounts that are fraudulent are as follows : XXXX XXXX - XXXX XXXX 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