vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: WA

Complaint narrative:
This is regarding select portfolio servicing they have the balance of one of my rental homes, it was refinanced around 10 yrs ago with a balloon payment. 
We had forgot about the balloon portion of the loan, however in XX/XX/XXXX we received a letter saying the balance of the loan was due by XX/XX/XXXX we called select porfolio servicing in XX/XX/XXXX and was informed the loan was due however wasn't advised it meant we had to refinance the rental to a different lender. WE where told that everything was fine and there was no issues just keep paying.we got other notices regarding this through out the year! Each time there was not any word about it having to refinance the loan. Then In XX/XX/XXXX They stopped taking payments from us and reported on our credit report that we have late payments. I have none stop been calling them and I was told by a person there whom I have the name that select portfolio would do everything in there power to help resolve the issue. Yet today I called and told them I needed them to remove the late payment off my credit report because the loan officer that's doing the refinance had denied us a loan to refinance because of select portolio. They tell you a different story every time you talk to them, there purposely giving us the run around, They also have an insurance check that belongs to us of XXXX as well as another XXXX tax return

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A credit card account was fraudulently established with XXXX XXXX XXXX XXXX XXXX using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with XXXX to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from XXXX responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from XXXX confirming the removal of the account. I contacted XXXX 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. XXXX repeatedly refuses to provide any contacts within the company that can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting for the hard inquiries listed below, to be deleted from my credit report. Both accounts listed below was deleted from my credit report by XXXX, but the hard inquiries associated with these two accounts are still actively viewing on my credit file. XXXX XXXX ( XXXX XXXX XXXX ) and XXXX XXXX ( XXXX ). I also want to advise XXXX, that I am a very pleased consumer and this is by far the best credit bureau. That assist customers needs promptly and fairly. XXXX and Experian does not address needs and have the customer going through circles with disputed and fraudulent items. Thank you XXXX   for your dedication to the consumer.

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 2019-08-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-08-12 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
As of XX/XX/2019 the loan balance on my Nationstar mortgage account is incorrect and not reflected correctly in any of the credit bureaus, XXXX, XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: IA

Complaint narrative:
I only became aware of an identity theft issue on XX/XX/19, when my FICO score suddenly tanked to XXXX instead of XXXX. An account was opened with XXXX XXXX ( whom I'd never heard of until this issue came to my attention ) in my former married name ( that I have not used for over 20 years ) and with a XXXX address ( that I haven't lived at for over 10 years ). Credit reporting agencies deny any responsibility to disclose that the information sought is old data, to creditors. Shame on them ; the whole point in creditors inquiring with those services is to be able to determine if it is a legitimate individual or an identity theft ( which it was ). 
As you are the overseeing institution for the big three, isn't there some protocol that can be put into place that requires the reporting agencies to clarify that former names and addresses are no longer in use, so the creditors and debtor have half a chance at not getting swindled? 
On top of that, XXXX XXXX cleared it up within a week, reported it twice on XX/XX/19 and again on XX/XX/19 ( at XXXX ). All 3 agencies are still saying they've not been informed. Not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: F.H. Cann & Associates, Inc.
State: SD

Complaint narrative:
XX/XX/19 recieved two documented calls from FH Cann within a 3 minute period. Once i returned the call and was notified of missing document needed i verified my address fo rit to be resent. The rep than asked about fax i gave her the number letting her know im not there and to not send anything with amounts on it. less than one minute later this rep sent me paperwork with every loan on it and im XXXX XXXX because i told her it was a public fax and to not send dollar amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: MS

Complaint narrative:
Equifax want let me Dispute these fraudulent items. When I call them they tell me they cant verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
I do not have a business relationship with Investment Retrievers nor have I attempted any business with them but they keep attempting to put hard inquiries on my credit report. They originally placed a hard inquiry on XX/XX/2018 without my permission or knowledge. They attempted another hard inquiry today as an " installment loan inquiry '' and was blocked because I have my credit report frozen. I am not sure why they continue to try to place hard inquiries on my report without a permissible purpose or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: ID

Complaint narrative:
I would like to know how New Day Financial ( NewDay USA LLC ) obtained my address and my information. I have registered with the Do Not Mail list, the DMA choice, The Idaho Attorney General, and I have contacted the NewDay USA LLC to stop. I continue to get letters from this organization. I do not want their services, and I would like this to end. NewDay USA LLC will not disclose how they obtained my address, or even how they know I have a mortgage backed by a VA guarantee. I am tired of my private information being sold and bought without my consent. This needs to stop. Next I will be writing a letter to the Senate Banking Chairman Idaho Senator XXXX XXXX. This abuse of information needs to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/2019ATTENTION DISPUTE DEPARTMENT COMMONWEALTH FINANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Networks C/o XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company has fraudulently charged me with nonsense fees and late charges. 
I had been paying the installments every month regularly and have already paid more than the principal amount. 
After closing the account they still keep fraudulently charging the fees. 
This needs to be stopped.

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 monetary relief
Consumer complaint received 2019-08-12 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.

Complaint narrative:
Dear Credit Bureau, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 

XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXXOR 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 2019-08-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriFirst Financial Corporation
State: MI

Complaint narrative:
Our mortgage was sold from Amerifirst Home Mortgage to another bank without any attempt of notifying us before this took place. This created a 25 point drop on both my husband and my credit score. I  spoke to Amerifirst several times in the last 2 weeks prior to this transfer about potentially looking and refinancing our mortgage, however nothing was mentioned about our mortgage being sold in these conversations either. When I spoke to the company about not receiving any notification they stated they mailed a letter in XXXX, however there was not a letter received.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: AZ

Complaint narrative:
I have told them they have the wrong number they are looking for XXXX my name is XXXX they refuse to remove my number despite multiple requests

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/2019, I attempted to open a savings/CD account with the XXXX NV branch of Navy Federal Credit Union. As we met with the Service Rep XXXX, she asked for my social security number within in ear shot of another member conducting business with the Senior Service Manager nearby. I told her I was uncomfortable with saying it so I wrote it down and handed it to her. XXXX typed the information into the computer and printed out documents. As this happened, the Senior Service Manager handed a stack of documents to the nearby customer and he walked out. XXXX then went to the printer which was now empty, she asked her coworker/Senior Service Manager if he had seen the documents that XXXX had printed for my account. The Senior Service Manager informed her that he had given the documents in the printer to the previous member. XXXX was unhappy with this but proceeded to print out new documents for me to continue opening my account. When she handed us the second document, my wife noticed that the document was pre-filled with my name, birthday, social security number, and access number. I asked XXXX if that was the document the Sr Service Manager had given to the other member. She confirmed it was, but claimed it was blank. I told her to talk her Senior Service Manager and she called him over, I asked if he had given my information to the other member and he denied it. He claimed it was a blank copy. I asked why he gave a blank copy to the other member and he had no answer. At that point I cancelled my signup and informed the branch manager ( XXXX ) about what had happened, and she also had no answer as to why the Sr Service Manager would give blank documents to the member if he had verified them all as he claimed. Again she had no answer, but she said she would call the other member and see if he had received any extra documents. I told her I was unhappy that I had come in to sign up for service and I am now worried my information is compromised. I asked her to send someone to contact the member and retrieve the documents and she refused. I called Navy Federal customer service to file a complaint, they repeatedly me told me that the complaint would be filed with the branch manager XXXX, who had already refused my request to retrieve the documents.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I applied for a home refinance in XXXX, XXXX XXXX from Amerisave said I was qualified and needed {$500.00} for a home appraisal. In mid-XXXX the underwriter said she would have to send it back to XXXX because I do not qualify. I called XXXX for 2 weeks and he won't return my calls so I called and emailed his boss on XX/XX/XXXX to XXXX XXXX. He said he would contact me in a few days and I still have heard nothing. There are many complaints online about this company taking {$500.00} from people and doing the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
Two Issues with Fifth Third Bank. 1st. No one could answer me with getting an updated interest rate due to being charged a higher rate due to my nationality and skin color. ( I received a settlement in XXXX for this with FIFTH THIRD BANK.. ) 2nd. Car was repossessed over the interest rate issue and non payment on my part. I paid {$1800.00} in XX/XX/XXXX, to get the car back and paid ahead two months I was told. So I was told the {$1800.00} would cover the {$480.00} repo fee and the rest of XXXX payment as well as XXXX and XXXX of XXXX. I spoke to 2 different people in the last two weeks and Fifth Third bank is stating that I owe for XX/XX/XXXX now and trying to charge me the REPO FEE OF {$480.00} AGAIN. 

XX/XX/XXXX I tried to get a manger on the line and they noted I had to be sent to the collections department as they are different, I could only leave a message when I was transfered. And now my car payment is late and I was told in XXXX I would be all set with payments till XX/XX/XXXX. The customer service has been poor and it seems no one is willing to help re adjust the payment of {$1800.00} that was taken in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate 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 explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate   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 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud.

Company response to consumer: Closed with explanation