vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 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: CA

Complaint narrative:
XXXX   XXXX   XXXX  the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me only  one  option to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.

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 2017-05-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX   XXXX   XXXX    the pretender lender loan servicer, its shady incompetent delusional robo-employees on the upper crooked floor division, and its lawyers on the crooked bonus division committed fraud against me for years attempting to steal my home, pushing me around making threats with the loss of my home using fraudulent foreclosure and fraudulent trustee sales. The pretender lender loan servicer has clouded up my title frozen all my equity and ruined my credit by placing fraudulent incorrect information on all  XXXX  major credit reporting agencies for years. I know its been a complete waist of time filing consumer complaints against the pretender lender loan servicer because its employee  XXXX   XXXX  on the crooked floor division is trained to respond to all my CFPB consumer complaints using her  XXXX  spin-pin-tool not to admit  XXXX  dark secret white collar crimes cover-ups, and that 's exactly what it is, its nothing less that. After the pretender lender loan servicer used its cozy relationship with  XXXX  as a weapon against me leaving me with no options to save my home from fraudulent trustee sale, only leaving me  only one opt ion to either sign the increased none negotiable loan modification or lose my family home I own free and clear. I have repeatedly told  XXXX   XXXX  that my attorney will be filing a major lawsuit against the pretender lender loan servicer in the coming days, and that the payoff evidence and witnesses will take place in a court a law or in law enforcement agencies. I was advised not provide the pretender lender servicer incompetent delusional employees on the upper crooked floor division and its lawyers on the crooked floor bonus division any evidence. The courts and the authorities have access to the evidence at anytime.

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 2017-05-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
On or aroun d  XXXX - XXXX -17 I  called  XXXX  ( home equity loan ) to see if my auto draft payment of  XXXX  could be moved from   XXXX - XXXX -17 to  XXXX - XXXX -17. I  was told my  Loan has  been sold to  Select Portfolio  Services. I was told I would not incur any fines or fees during the transition and that it would probably be abo ut 2 weeks  befor e SPS  would contact me and not to worry about the payment. I looked them up immediately and decided I was going to help all the people they are currently ruining their lives.     I received the first letter from them on or around   XX/XX/XXXX . The letter is dated  XXXX - XXXX -17. The  letter asked for my and my wife 's SS number. I attached the letters. I called your office and spoke to  XXXX . I asked if I was obligated to send personnel information to them. She could not locate an answer but was very nice and aware of SPS and their fraudulent activity. I told her I would start a complaint but decided to wait until they tried it on me.     I recieved a " Hel lo Letter  " dated   XX/XX/XXXX  that o utlined my account. Yesterday I called SPS for the first time and spoke to  XXXX   XXXX . I wanted to know what the Unapplied fees were and why they were added to my mortgage payment. She somewhat explained that it was probably over payments from   XXXX   and I could use it towards my monthly payments or my late payments. I asked what late payment. She said I had a payment du e on  XXXX - XXXX -17 for  some  XXXX  dollars. I advised my first letter was dated   XXXX - XXXX -17 a nd no where on the welcome letter does it say I have a late payment. Right from the start they are playing a game to get my house. what should I do next

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX  Email : Phone Number :  XXXX   XXXX   XXXX  My  name is   XXXX   XXXX  I 'm a   XXXX   for 25 years. My mother died last year in  XX/XX/XXXX . She left me her home with a quit claim deed which was recorded. I sold it short sale to her neighbor for decades, who also is a  XXXX , We did a contract which was accepted by  XXXX   XXXX   XXXX  a servicing agent with an appraisal. The bank sold the loan to  XXXX  which also accepted the contract for a second time with an an appraisal.  XXXX  sold the loan to a local bank called  BAYVEIW i n  XXXX  Florida, who ignored our offer as well as went into my deceased mothers house illegally with a lock smith and sent a preservation team to her house. ( let me preface the fact this is not a foreclosure it is a short sale and I have all the rights to this home ) I went to the house and all her exotic plants were stolen, all her tree were cut down and all pool, patio, gardening equipment was piled in her house. It was a disaster. I called the police and filled out a report. Then the following week I drove by again a caught a company in my mothers house hired by BAYVEIW covering her pool illegally. I called the police again and filed a second report. They finally responded to our purchase offer and came back with an over inflated appraisal and is refusing an appeal. They are trying to force my hand for a deed in  llueof  a foreclosure which I will NEVER SIGN TO THEM!!!! We have   XXXX    prior accepted contracts with appraisals ( appraisals are under strict laws ) The  home needs over {$100000.00} worth of repairs which we can substantiate with contractors reports! They are disreputable thrives, crooks, and robbers. I 'm currently undergoing active  XXXX   XXXX  for a very aggressive  XXXX  and I 'm overwhelmed by their blatant disregard for the law entering my deceased mothers home and Ws honestly traumatized being this was the home I grew up in which my my father purchased  2     years before I was born bac k in 1963. I 'm  grieving the loss of my mother terribly and this crooked bank trashed her home which I have pictures. I have pictures from the   XXXX   previous appraisals and contractors to substantiate what these people did to my mothers home. I have the lock box they put on her home. I just want them to sell to my purchaser at fair market value which they are refusing!!!!! I NEED HELP!!!!!   I 'm very sick from the  XXXX  and recovering from  XXXX  and want to expose this bank for the railroading!!!!   They are trying Thank you,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
XXXX   XXXX   XXXX  , is attempting to collect a debt that is now owed by me. The debtor has the same name as me, however they have a Texas address. A debt validation letter was sent to Convergent, however they would only provide a statement with a name on it saying the debt was verified. I requested a debt validation.

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 2017-05-09 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.
State: GA

Complaint narrative:
I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did n ot verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can n ot be verified. I am requesting deletion of all disputed accounts which they did not verify.

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 2017-05-09 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: MD

Complaint narrative:
I have an account listed on my credit report  XXXX   XXXX  that 's suppose to be closed it 's closed on my other  XXXX  credit reporting agencies reports. Its been closed and charged off since  XXXX   2016

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 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Time : Early - Mid  XXXX  Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The  Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So  I Closed My Ac counts.   Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims.   Fast Forward To  XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.

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 2017-05-09 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:
On my report it is a tax lien which I have disputed before with   XXXX   and   XXXX    and they removed the inaccurate account. I have also disputed the account with Equifax and they keep saying it is accurate but it is not in fact and the other  XXXX  agencies have removed the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!

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 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
this company has been sending me several emails threatening to take me to court. The company at first starting stating they were   XXXX   XXXX   XXXX   then they stated they were  XXXX   XXXX  and now they are stating they are  LVNV f unding. This company is impersonating different companies per their emails. I do not have a contract with LVNV Funding or do I have a contract with  XXXX . This company has not sent me any validating legal contract with my valid signature that I agreed to do business with them. this company is now showing on my credit report hindering me from establishing credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: MD

Complaint narrative:
On my Equifax report are unauthorized credit inquiries in which I called the companies who reported them majority of them besides  XXXX  which did remove it said they ca n't not because I do n't have an account with them and that it 's no way for me them to find me. So I called Equifax since they are the ones who told me to call the companies, I told them what the companies stated. Even though I am telling Equifax that I did n't authorize the following Credit Inquires they keep telling me that they are factual even after I placed a fraud alert on my credit. How can you say something is factual when I am the person who credit report they are on and I 'm telling you that they are not I did everything you told me to do the fraud alert contact the companies who made them and still you will not remove them.     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   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMorgan Chase  attempted to contact me regarding a credit card debt collection on another person 's phone number, without permission or my providing that person 's phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: GA

Complaint narrative:
Hello.     I sold the following home ( address:   XXXX   XXXX   XXXX     ,   XXXX   ,  FL  XXXX  ) last year  (     XXXX     2016 ).  My mortgage service provider ( Seterus, loan #  XXXX  ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home.      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 2017-05-09 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: PA

Complaint narrative:
RE : Account XXXX XXXX XXXX 1 ) XXXX 'collection agency ' has failed to respond and failed to validate this alleged claim in 30 days as required by law. Equifax failed delete false entry which has NOT BEEN VALIDATED according to law. Validation demand was sent via certified mail, XXXX XXXX XXXX USPS tracking # XXXX, and as of XXXX XXXX XXXX has failed to validate per this alleged claim within 30 days. ( Copy attached ). 2 ) Equifax made false written statement to the Federal Agency, Consumer Finance Protection Bureau on XXXX CFPB complaint # XXXX, *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history but no recent dispute history was identified. *Equifax will mail the results of the reinvestigation within 30 days. Equifax has reviewed the complaint and its records. We show that you have not previously contacted Equifax regarding the items listed in this complaint. The items will be addressed through our normal dispute process and the results of the reinvestigation will be sent to you within 30 days. Consumer did in fact notify Equifax twice of their failure to notify consumer prior to reinsertion of previously deleted item which is not valid. 2nd Dispute mailed XXXX XXXX XXXX # XXXX 1st Dispute and deleted by EQUIFAX CREDIT FILE : XXXX XXXX XXXX Confirmation # XXXX Equifax failed to maintain reasonable procedures to assure complete accuracy in the information published to my credit report. Equifax has altogether failed to make reasonable investigation of this matter as required by law, Equifax reinserted previously deleted item without notification to consumer Equifax made false written statement to Federal Agency, CFPB. Consumer believes Equifax has made four violation pertaining to FDCPA and FCRA which are each entitling consumer to {$1000.00} per violation. *XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XXXX ( XXXX ) XXXX has violated the law by continuing collection activities with Equifax while failing to respond to consumer 's right to validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have  had an American Express cr edit card for a while ( sin ce  XX/XX/XXXX  ). I  have  XXXX  types of accounts with AmEX.  XXXX  that is paid in full at the end of the cycle and  XXXX  that is a revolving account that they call, " Pay  Over Time. ''  On occasion, AmEX will ask for a payment prior to the due date because they feel you may be exceeding an algorithm limit. In the past, I have paid this amount and payment has been credited to the amount paid-in-full ( not the revolving account ).     On   XX/XX/XXXX , A  mEX requested I pay {$2600.00} as I had reached some limit. I paid the requ ested amount. At the end of the month when my pay-in-full was due, the amount AmEX said I owed them differed from the tallied amount. I call many time  (   > 4  times  )  to try to find out what the problem was, and, each time I was passed to a minimum o f four ( yes, 4 ) ag ents who could not help me. I called the last week in   XX/XX/XXXX  to find see if I c ould get to the bottom of the problem and found out AmEX credited the {$2600.00} payment to the " Pa y Over Time ''  account. This had never happened before. They refused to move the payment over to the pay-in-full account and expect me to fork over this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
Contacted company to provide a valid contract that I had business with them company refused. I did not have an account with this company and would like for it to be removed from my credit report. Contacted bureau and they did not provide any valid documentation that this account belongs to me as well. This is hindering me from getting services in my home. This company has provided a bill ledger but not a valid contract with my signature stating that I was doing business with them or their company.

Company response to consumer: Closed with explanation