vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My Name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX, CA XXXX, I would like to file a complaint against Select Portfolio Services and the Private Investor for misleading and being unfair. In XXXX of 2021 I agree to a short sale on my property since I was denied for any other assistance to save my home. The short sale was approved to close on XX/XX/2021, ( it never happened ) Select Portfolio Services and the PRIVATE investor demanded at the last minute I give them $ XXXX ( two hundred thousand dollars up front ) if I didnt come up with the money he was canceling the short sale and they did. Select Portfolio Services and the Private Investor have proceeded with Sale for XXXX XXXX,2021 on my home. I dont have that kind of money its crazy, illogical we are all struggling with this pandemic. I have been trying to keep my home so I wont be homeless with my children Select Portfolio Services and the Private Investor have refused to work with me.

The agent handle-ling the short sale was in shocking surprised could not believe this. The agent said in the 30yr of doing real state this has never happened its neither justified nor legal for the Private Investor or the servicer to demand so much money at the last minute of the closing date of short sale when everything had been approved. 
On behalf of my family and me, it is our request you initiate an investigation regarding the alleged improper actions and activities taken by Select Portfolio Services and the Private investor of misleading and being unfair. I believe they are not within the legal guide lines of the consumer protection act. I urge you to apply your regulatory authority in this unlawful act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: FL

Complaint narrative:
I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXXXXXX XXXX, Complaint # XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX  and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX  and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
Ireceived mail from FRANKLIN COLLECTION SERVICES, INC saying I owed a alleged debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 2 ) stated that the consumer owes any debt. FRANKLIN COLLECTION SERVICES, INC is in VIOLATION Pursuant to Title 15 u.s.c 1692b ( 5 ) any language or symbol on any envelope or communication indications debt collection business. XXXX XXXX XXXX VIOLATED Title 15 USC 1692c ( b ) prohibits communication with any one except consumer XXXX XXXX XXXX VIOLATED Title 15 USC 1681a ( 4 ) right to privacy Evidence of Violations is included with this complaint ( Exhibt A )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I would like to file a complaint against Experian XXXXredit reporting agency. Experian is reporting fraudulent information on four accounts on my credit report that are paid in full with a {$0.00} balance. I have contacted experian by mail and by phone. I have asked them repeatedly to remove and delete the four accounts that are paid from the collections section of my credit report. I disputed the information in XX/XX/2021. Experian completed the dispute marked the accounts as paid and then placed them as collection accounts on my credit report. Again these accounts are paid in full with a {$0.00} balance therefore they should not be listed as a collection on my credit report as they are paid. I contacted experian by phone XX/XX/2021 and asked for the fraud department. I was transferred to a customer service representative in the fraud department. I told the representative that I wanted to report fraudulent information on my credit report that was placed on there by experian. The representative refused to take my fraud report and told me I had to dispute the information. I informed the representative that I had already disputed the information, that experian has the accounts marked as paid but also has them as collection accounts. I informed the representative that these four accounts can not be collection accounts since they are paid and have a {$0.00} balance. The representative told me that yes they are paid but they are still collection accounts. I asked the representative how these accounts can be collection accounts when I paid them in full. The representative transferred me to the dispute department where another customer service representative also refused to let me report fraudulent information on my credit report. This representative opened another dispute on all four accounts. As of XX/XX/XXXX and XX/XX/2021 the four disputes were completed. Experian updated the information the same as before marking them paid and listed as collection accounts on my credit report. I would like for you to investigate this and have these four accounts removed from my credit report. If experian does not remove this fraudulent information from my account I will be filing a defamation lawsuit against them. I don't understand how they were allowed to refuse my right to report and investigate fraudulent information on my credit report. I will give you the names of the four accounts to help you proceed with your investigation. 1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX  ( re : XXXX XXXX XXXX ) 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX ( re : XXXX XXXX XXXX  XXXX ). If you need anymore information please contact me. Thank you. 
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 2021-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX. Inquiry Date : XXXX XXXX, 2020 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 - Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: SC

Complaint narrative:
I have disputed XXXX account multiple times with Transunion for inaccurate reporting but Transunion continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX Transunion is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.

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 2021-07-31 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have disputed Belks account multiple times with XXXX  for inaccurate reporting but XXXX  continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX XXXX  is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.

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 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I noticed that funds were rapidly decreasing from my account until the funds were all gone and didn't stop until I was {$1200.00} in the negative. I contacted the Chase claims department and informed them that there were unauthorized transactions made on my account. .the unauthorized transaction began very subtly dating back to XX/XX/XXXX XXXX the first transaction was for around {$20.00}. then again in late XXXX, two more debits were made that I didn't authorize. then again in XXXX for a little more ... All of the unauthorized charges had odd names attached to them and I didn't recognize any of them. Chase told me that the unauthorized charges were all coming from XXXX. I disputed all of the unauthorized charges from XXXX and XXXX. At the time I was unaware of the XXXX and XXXX charges. Once it was brought to my attention that more transactions were made from XXXX I filed a second dispute ... ..I was told that they were going to investigate the charges and they would let me know if they needed any additional info ... The unauthorized charges stopped immediately once the first dispute was filed ... I thought they blocked international charges from my account and were investigating the claim. Turns out I was wrong ... Chase said that because I didn't catch the initial 20 unauthorized charges back in XXXX I was responsible for all of the unauthorized charges. They said that the unauthorized charges were not covered under visas fraud protection because the first sign of fraud was in XXXX and when I asked if I could appeal their decision they keep telling me No. They locked me out of my account and I am only allowed to log into chase .com but it says not able to review any accounts. They stole XXXX out of my account and have denied me a fair chance to appeal their decision ... 
Is there anything I can do to appeal their decision?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: FL

Complaint narrative:
I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXX XXXX, Complaint # XXXX-XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Used mobile deposit on Saturday XX/XX/XXXX. I was notified Monday that my deposit would be delayed. They said it would be available after 5 business days from the deposit date. They said the deposit date was Monday the XXXX. They said the check flagged in their system. The amount the check was for was 50 % of what was owed so I collected the remaining balance and cash it at the bank where the check was from with no problem. This wait is causing severe problems for my family. 5 business days would be next Monday making it a total of 9 days after my mobile deposit. Navy federal has been borderline rude in helping me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: FL

Complaint narrative:
Hello, Im writing to you today due to the fact that after reviewing my credit report. I found errors dealing with fraudulent accounts that are hurting my good name. Someone stole my information and signed up for something in my name. I expect you to delete all the incorrect information in my report. The items I need deleted are located in the closed account section and the collections section of my credit report. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this. Thank you. 

XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$400.00} Account name : XXXX/XXXX  Account number : XXXX Date : XX/XX/XXXX {$300.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$6800.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$980.00} Account name : XXXX  Account number : XXXX Date : XX/XX/XXXX {$510.00} Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$200.00} Account name : XXXX XXXX XXXX Account number : XXXX Date : XX/XX/XXXX {$190.00} Please remove off my credit report 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 explanation
Consumer complaint received 2021-07-31 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:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and 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 2021-07-31 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: GA

Complaint narrative:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
XXXX XXXX initiated XXXX for me to XXXX based on share sale proceeds. This happened on XXXX of XXXX. Bank of New York Mellon is intermediary bank which is meant to send my money to XXXX XXXX. They held my money citing further information about me personally which I provided. They held on to my money for another 2 weeks after than then asked me for more information. This was based on discrimination purely because of my name. They asked if I ever had these weird names, they also asked me if I have to ties to XXXX or XXXX. Im an XXXX citizen working for a US based company. It is discrimination to signal me out preludes because of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31 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: WA

Complaint narrative:
I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.

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 2021-07-31 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: WA

Complaint narrative:
I was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.

Company response to consumer: Closed with explanation