vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: Ability Recovery Services, LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ability Recovery Services LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Synergetic Communication Inc
State: WY

Complaint narrative:
i did not even know what this debt collection was about, till i did a research it was a loan to a family member way back in around XXXX or XXXX, they asked me questions like who is my father or is his name so and so, why are they harrassing me for a loan back 13 or 14 years ago and its the first time i received this notice, seems like a very drastic greedy move to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
This Collection must be error as reported in my XXXX  Credit Bureau. Please provide me with the Validation of Debt and stop reporting it without VOD. Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: PA

Complaint narrative:
I contacted Equifax on XX/XX/21. I sent them an FTC report, passport, cover letter and federal laws relating to the matter. It must be removed within 4 business days according to 15 USC 1681c-2 ( a ) ( 3 ). As a consumer and natural person I know my rights and Equifax is now in violation because after 4 business days of no removal pursuant to 15 USC 1681n, they have violated my consumer rights 11 times, one per each account. Therefore, I am seeking financial compensation for violating my consumer rights in the amount of {$11000.00} in addition to immediate removal of these fraudulent accounts on my consumer report. Thank you for your assistance regarding to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a new vehicle in XX/XX/XXXX and was under the impression that I was trading in this car. Instead it was repossessed. Once I found out the car was repossessed the amount that is showing on my report is increased. They are stating the amount of the loan is more that it was originally. Therefore the car was sold in which I was never made aware of the amount that is was sold but the amount that is still showing on my credit report is wrong and derogatory and the balance is still updating every month although it is a charge off and balance showing incorrect. I do not know why the car was never traded in because that is why I was able to purchase another vehicle in which I have no problem with so this situation is reporting falsely on my report and has been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i had a car loan with XXXX/XXXX  i never had a late payment the account was in good standing and i noticed the account is no longer being reported on my credit report causing my credit score to plummet downwards ive sent reinsertion letters to the credit bureaus and nothing has been done to date

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent 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 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I applied for a forbearance agreement with my mortgage company on XX/XX/XXXX. Because of a loss of income due to Covid 19. I was told to wait for the papers and email I requested. They said it would take 10 days. 
I called back at least 2 times after that and was told by the agents that the agreement could be seen in my information. I called again on the XXXX the agent again stated he saw the agreement, and that he would resubmit the request for the hard copy and email to been sent. I called this morning hoping that I could at least get the email sent. 
I was told that my forbearance had been closed on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent 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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I sent in a dispute letter to the three major credit bureaus as they have a bankruptcy on my credit profile that does not belong to me. I asked how they verified the bankruptcy and they stated with XXXX XXXX and the Bankruptcy court. I then went on to verify with both sources and was told that they did not provide the credit bureaus with this information. I have documentation from both XXXX XXXX and the bankruptcy court stating that the bankruptcy is not verified or mine and the bureaus continue to report fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying since XXXX XXXX to get XXXX  XXXX XXXX to sort out the complete mess they have made with my Home Equity Line of Credit ( HELOC ). 
Account # XXXX was opened on XX/XX/XXXX and I have been making all the regular payments by transferring money on my XXXX dashboard from my personal account to the HELOC account. 
It appears that at the end of XX/XX/XXXX, the bank changed the account number to XXXX without any notice to me. My HELOC account was still on my dashboard and I continued making every monthly payment through to and including XX/XX/XXXX. 
In XX/XX/XXXX i tried making my usual payment, but the option had been removed from my dashboard. 
After many phone calls it turned out that the account had been handed over for collection for non payment, despite all my payments made in full and on time. These payments had not been applied to my account and were somewhere floating in some sort of suspense. 
After multiple, multiple, multiple calls and emails over several months they eventually apologized for their error, correctly allocated these " Unapplied Funds '' to the account and stated that they would have ALL negative comments posted on the credit reports removed, that the account was current and in good standing. 
Not all the negative comments were removed " Account information disputed by consumer '' still remained on all the agencies. I spent most of yesterday getting these comments removed - something that the bank should have done. 
Checking my reports, I saw that the comments had been removed, BUT XXXX was showing that I had 2 HELOC accounts with XXXX - one showing negative aspects ( Past Due ) and the other " Current '' no past dues. THERE IS ONLY ONE account. 
The bank has been unbelievably slow to get things done - stating that it was complicated - and thoroughly inept at getting this mess, that they created, totally fixed. 
Due to their extreme incompetence I have been denied a re-finance on my mortgage SOLELY because it appears that I have 2 HELOC accounts with XXXX. This has cost me thousands in wasted time XXXX multiple phone calls, multiple emails ) trying to get them to fix their mess, the cost of not been able to re-finance and reduce my mortgage payments by {$230.00} per month, which for 360 months amounts to {$83000.00}, to say nothing of all the emotional XXXX that this has caused

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I financed a car with santander on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hello, in XXXX of XXXX we entered into a COVID forbearance assistance plan with our servicer, XXXX XXXX XXXX XXXX XXXX who then sold our loan over to Select Portfolio Servicing , Inc. in XXXX of XXXX, and continued our COVID forbearance assistance plan. Since the beginning of our time with SPS we have never been able to get any clear information in regards to our loan. They werent even able to tell is who owned our loan. Their website has no specific information about any of the details of our account such as escrow breakdowns, etc. We receive letters in regards to our account that refer us to a XXXX XXXX who is suppose to be our Relationship Manager, but has never taken a call once. When I select his extension it simply reroutes the call to what sounds like a debt collecting representative. All these representatives are capable of providing is our balance and how to make payments on our account. At the end of our forbearance we applied for a loan modification in XXXX of XXXX. Yesterday, XX/XX/XXXX we received a denial letter for the modification and all other plan options. Once again, the letter fails to provide any specific reason as to why we were denied so I contacted SPS today to inquire more. Upon my conversation with their representative XXXX, I was informed that he unfortunately does not have access to the specific reason as to why we were denied. I asked if he could please transfer me to someone who could provide this information and he stated that unfortunately there was no one who could provide this information. He basically gave me a generalized response as to what the investors take into account as a whole when making their determinations on loan modification applications. No specific detail was given to me in regards to our particular application and or denial. This does not provide us with any assistance in bringing our mortgage to current and avoiding foreclosure which is ultimately what we are trying to do. Its if as though, they rather we loose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: MI

Complaint narrative:
Two different collection agencies are attempting to collect {$1000.00} for an XXXX account. This was satisfied in XX/XX/XXXX and XXXX and both agencies were informed. 

In XX/XX/XXXX, I entered into a short-term loan with XXXX to purchase furniture. The terms of the loan were " 90 days, same as cash '' terms. I believed that if I paid off the loan in 90 days, I would not be charged interest. XXXX guaranteed those terms to me and purchased the furniture ( one mattress set and a couch, totaling about {$1000.00} ). I was required to pay about {$130.00} towards the " furniture loan '' up front. 

Terms also included automatic payments of {$180.00} beginning XX/XX/XXXX and on the XXXX day of each month, thereafter. 

In XX/XX/XXXX, I called XXXX and asked why I had not received any email from them regarding the payments and remaining balance. In late XX/XX/XXXX, I had made 2 full payments and yet was not informed of any remaining balance. I believed that my balance should have been about {$580.00} but no one at XXXX would inform me in writing. I also asked for an extension of the 90 day-terms to pay off the loan and was told over the phone that I could continue to pay on the loan. 

A total of {$1100.00} was collected for this loan that was satisfied in XX/XX/XXXX- actually overpaid the account. 

In XX/XX/XXXX, I was informed by XXXX XXXX that ROZLIN FINANCIAL GROUP L and XXXX XXXX XXXX  are attempting to collect on this same account that was satisfied in XXXX. Both companies report this to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
wrongful foreclosure,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: DE

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CLLCN BUREAU OF THE HU ( Original Creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX Credit Bureau. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2021 I attempted to get a mortgage from Bank of America. The first words out of the Sr. Loan Officers mouth were " be nice on the survey no matter what happens ''. That should have thrown up a red flag. After several and I mean several back and forth emails about rent, XXXX accounts, and other little things the Sr. Loan Officer let me know, after the fact, that my loan had " timed out ''. I never knew that a loan " timing out '' was a thing. After that happened they had to check my credit again which is probably my biggest complaint about this whole situation. I went from a XXXX to a XXXX to a XXXX credit score. Here is the thing, I make XXXX/year and the loan was for XXXX. It made no sense why the loan was taking so long to approve. So I spoke to the Sr. Lending Officers boss and she stated that she didn't know this was a conventional loan, she thought it was a refi. They didn't even know what kind of loan we were getting. 
We were renting this house and were trying to buy it, while all this was going on the owner of the house decided not to sell. This has essentially made us homeless. I have spent large amounts of money trying to figure this out and have sense gone to another bank for obvious reasons. I would like to be compensated for my time and my credit score decline. I know that some people are just bad at their jobs but this is messing with peoples families. My XXXX year old XXXX  has lived here his whole life and cried when we told him. My wife has been crying. Bank of America should, at the least, be held accountable for the terrible handling of this business transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenoty banl has advisede that they only report the last 2 years of payment history to the credit Bureaus. Thwy have not updated my report reflect such and will not make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
This company is reporting on my credit as debt as if I owe it. I have never used their services at all. I do not and have not ever used a Medicredit anything. Now this company is affecting my ability to obtain finances as a result of this fraudulent account that I have repeatly denied and advise them of this several times. The account is not mine.

Company response to consumer: Closed with explanation