vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
SELECT PORTFOLIO SERVICING IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX. BUT THEY ARE REPORTING " SELECT PORTFOLIO SERVICING OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
In XXXX I received a letter from Specialized Loan Processing saying the Loan I had with XXXX XXXX XXXXXXXX XXXX was transferred to them for Servicing. I contacted them to make my payment for XXXX but they could not locate my account so I reached out to the previous mortgage company XXXX XXXX XXXX to explain my dilemma and they said I could make the payment to them and they would send it to the new loan Processing Company SLS. Although that was done they are not recognizing the payment towards my XXXX mortgage they call me multiple times a day and then when I call them back they transfer me from person to person to person to person and have been harassing me for additional mortgage payments above and beyond the mortgage payments that I always make on time.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am submitting without error or influence from any third party or agency. Please see my attached documentation as it contains my request.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am submitting without error or influence from any third party or agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On the date of XX/XX/XXXX I received a Required Information Notice from SPS : Pension Income- Primary Customers documents received is missing the pay/benefit amount. As can be seen on my XXXX XXXX XXXX Funds, .I NEVER had a Pension and the balance as of XX/XX/XXXX is {$0.00}. Clearly outlined on the entire statement emailed to SPS on XX/XX/XXXX. On the date of XX/XX/XXXX I received a Required Information notice from SPS. Action Required : For Primary Customer which is XXXX XXXX Bank Statements received are NOT CONSECUTIVE. Notice my bank statements Numbers 1 and 2. The Statement Period for number 1 - XX/XX/XXXX - XXXX XXXX. The Statement Period for number 2 is XX/XX/XXXX - XX/XX/XXXX, XXXX.As can be seen is not only are the bank statements in CONSECUTIVE ORDER, These bank statements were emailed to SPS on XXXX date of XX/XX/XXXX. SPS is also stating that on My grandsons bank accounts which was emailed to SPS on XX/XX/XXXX that XXXX deposit of his Social Security XXXX is not included - another lie. The statements for statement period XX/XX/XXXX - XX/XX/XXXX and statement period XXXX XXXX - XX/XX/XXXX clearly has documented deposits of XXXX Social Security Deposits on XX/XX/XXXX - and XX/XX/XXXX. This company lies, deceives and uses manipulation against consumers. In a attempt to make it seem as if documents were not received, I ensured my documents were dated and copied due to the lies SPS continues to make it seem as if I have missing documents when in fact ALL my documentation has been emailed. This company is refusing to grant my modification due to not wanting to lower my interest rate and hoping I just give up. As you can see CFPB this is this companys continuing practice and not going by the Federal Government specifications. Notice the pattern of Missing Documents Already Sent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # 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

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 2022-04-06 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: NY

Complaint narrative:
in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have new and updated information regarding my Equifax consumer credit report and file. There are inaccurate names and addresses being reported on my behalf. Pursuant to 15USC 1681 ( a ) ( 1 ) the banking system depends upon fair and accurate credit reporting. Furthermore, consumer reporting agencies ASSUMED the vital role of assembling and evaluating consumer credit and other information on consumers. However, I did NOT provide Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15USC 1681b ( 2 ). Equifax is tarnishing my personal reputation and violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX XXXX IS IN VIOLATIONS OF THE FDCPA 15 USC 1692 - 1692. Congressional findings and declaration of purpose 1692a. Definitions 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692d. Harassment or abuse 1692e. False or misleading representations 1692f. Unfair practices 1692g. Validation of debts 1692h. Multiple debts 1692i. Legal actions by debt collectors 1692j. Furnishing certain deceptive forms 1692k. Civil liability BY REPORTING ON MY CREDIT REPORT, CREDIT FILE AND COURT DOCUMENTS THAT THEY " OWN '' THE MORTGAGE ASSIGNMENT TO XXXX XXXX XXXX XXXX, XXXX AND BY MAKING THOSE FALSE STATMENTS TO XXXX, XXXX AND XXXX CREDIT BUREAUS. 

PER SPS THEY ARE " COLLECTING FOR '' XXXX XXXX  XXXX XXXX XXXX BUT THEY ARE REPORTING " XXXX XXXX XXXX OWNS THE DEBT TO THE CREDIT BUREAUS BY REPORTING THEIR BUSINESS NAME WITH NO MENTION OF XXXX XXXX XXXX XXXX XXXX. PER THE FCRA - CREDIT COLLECTOR MUST REPORT 100 % TRUE AND ACCURATE INFORMATION.

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 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: CO

Complaint narrative:
The vehicle in question the finance company is saying that I own the loan but in fact I do not, somebody else got the loan in my name therefore leaving me with a bill that doesn't belong to me which I've been the victim of identity theft. Request the finance company of Exeter finance remove it from my credit report immediately and excuse it from my name and social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
How can i already try to fix something when I come to u first, and u act as if there is somewhere also to go to get stuff like this fixed, who also could u go to, Noone gives a XXXX. And u ain't going to do any thing about it either. I'm just telling you this now, so when it happens I ll say, I told u so. Then I'll hav the proof I need cuz I've don this before OK. Ur just Goin to waist my time and get nothingsolved. So ya, thats what up.

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 2022-04-06 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: NY

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

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 2022-04-06 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: NY

Complaint narrative:
After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed incorrectly. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Advance America, Cash Advance Centers, Inc.
State: NV

Complaint narrative:
Advance America XXXX XXXX XXXX XXXX is refusing to allow my loan to process and are using all kinds of manufactured excuses and or jargon and double-talk against FCRA regulations and or protocols such as age, gender, background and all other reason that are biased and not based on factual or any fraudulent reasons other than direct and intentional denial of proper funding for my emergency needs such as emergency relocating due to extenuating and mitigating circumstances surrounding sufferage, unfair treatment and credit reports endorsing non-factual information from Lenders specializing in Consumer Sabotage and using pushy tactics and or unauthorized use of personal info data and the likes to access and use deter or prolong the actual use of my established or non-established credit this loan was pre-approved as loan towards my accepted tax return in which I am solely responsible so this is not even average or normal consumer funding in addition it was and is directly for emergency use for business, home, and automotive care and needs in order to stop and prevent any further damage to the credit I was so wonderfully establishing building with all of my last years interactions and openings. So the assistance and progress that was going on was stagnated and stopped by unfair and unethical trade practices intiated by the same people who are to protect my credit and accounts they've allowed accounts to get closed instead of corrections refusing to fix or honor my consumer wishes allowing multiple of my payment methods to be compromised by NON-account holders on non-joint accounts allowing access to my funds data and privacy by non-account holders and ignoring my constant. Request for disputes or discrepancy. So I am reporting this violating of the FCRA and denying my access to pre-approved funding on my tax return funds. 
Insinuating my authentication or identity is in any way wrong or not me based on the use of shortened version of my first name in which irs is fully aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: COMMUNITY REINVESTMENT FUND
State: MI

Complaint narrative:
This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/2022, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and and say it's mine. According to the FCRA, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I asked the citi bank how I could get my account unlocked they said you have to wait for a reference letter in the mail then call back I got the letter called back they said you need another letter call back I called back they gave me the runaround with different departments I spoke to someone she said she took the block off I waited a hour blocked still called back on hold for three hours said go to the branch there not doing it went on for three weeks

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