vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Just spoke with a customer care person approximate a XXXX XXXX   today Select Portfolio Servicing XXXX XXXX she read to me the letter they sent to me on yesterday stating that my mortgage was always a Conventional mortgage loan XX/XX/XXXX which is false It was always a FHA  mortgage loan and only can be sold as a FHA   mortgage loan.Some one refinance my FHA  mortgage loan to a Conventional mortgage loan. I was not in default Of the loan which was current and was current with mortgage insurance with FHA. The Florida Housing Administration paid on my mortgage XXXX to XX/XX/XXXX therefore I always had an FHA mortgage loan never changed it. How did my FHA mortgage mortgage loan get refinance to an Conventional Real estate mortgage loan In XX/XX/XXXX when Florida Housing Administration ( FHA ) was paying on my mortgage loan? And the Appraiser property office staff person stated to me that the folio number and instrument number was alter/changed from the original number thats in the court docket thats under confidential for the XXXX property taxes. and personal do not make mistakes to those numbers, Its in the court location docket where the public can not review it, only staff personnel has access to those confidential documents. Also when I first spoke with the customer care person she said that my loan was set up for attorney review to take action for payment I take this as a threat or retaliation because Im only XXXX  days past due for XXXX XXXX. And she continued to ask me when will I get this caught up and I explain to her I am still in a dispute and this is still not resolved. And furthermore I read on your website that you have be at least 120 days late before they can take any action and while there is a dispute they are not to be harassing you or threatening you about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: PA

Complaint narrative:
I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

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 2020-08-13 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 checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
I have never done business with this company ( Midwest Recovery Systems ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
First of all this debt was re- aged and claims to be active as of XX/XX/XXXX, which is not true. At the time this debt occurred I lived at another address and it was initiated in XXXX. This debt was included and XXXX in my Chapter XXXX Bankruptcy filing in XXXX. National Credit Adjusters refuses to remove this dispute from my credit file knowing the debt has been re-aged and that it was included in my Chapter XXXX Bankruptcy filing along with other debts. A copy of my credit report was accessed to initiate the filing of debts to be included in the case. The amount of the debt is said to be {$460.00}. I am currently trying to get this debt removed from my XXXX  Credit Report and have been unsuccessful in getting the matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kass Shuler, P.A.
State: FL

Complaint narrative:
Collection agent is trying to collect a debt that was a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Colony Brands, Inc.
State: NY

Complaint narrative:
I sent two certified letters to two different creditors with a 30 day time frame for each letter disputing the negative remarks showing I owe monies to these companies on my credit report and got no response. I also sent a certified letter to the three credit bureaus with no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In 2015 my identity information was hacked and stolen from my employer, they notified me that several employes was affected. I discovered this to be true when I filed for my income tax and someone using my stolen identity had all ready filed on my taxes. Now I have to use an identity code to file. So now my SSN is on the dark Webb. Also someone using my stolen identity opened a fraudulent XXXX XXXX XXXX in the amount of {$1200.00} without my knowledge or arthization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was notified in am email on XX/XX/XXXX that Bank of America would be updating their home loan system between XX/XX/XXXX and XX/XX/XXXX. After XX/XX/XXXX everything was supposed to be finished and I should have been able to access my account. As of XX/XX/XXXX I was still unable to access my account as it had been removed from my user account profile, so I sent them a message to ask what was going on with the account and if there was something that I needed to do on my end. On XX/XX/XXXX I received a reply back from them informing me that my issue would be best resolved if I contacted them by phone. I called the phone number provided and was informed once I got into the queue that the wait time would be over 90 minutes. This is an unacceptable amount of time to wait to have this issue addressed. I wrote them in the first place, so I did not have to wait an eternity on hold only to get dropped part way through the call, which I did.

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 2020-08-13 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: PA

Complaint narrative:
I am a victim of identity theft and did not make the charges.

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 2020-08-13 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: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. # XXXX XXXX, Tx. XXXX Experian XXXX XXXX  XXXX XXXX, Texas XXXX RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX XXXX XXXX Acct # XXXX in XX/XX/XXXX. 
I was saddened to learn that you somehow out of all the other credit reporting agencies, you verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed as other credit reporting agencies has, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with with XXXX XXXX XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at with XXXX XXXX XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, 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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
My card was hacked. I called and was able to cancel the card and order a replacement. However, I have not been able to speak to anyone about it. I was placed into a call queue for at least 45 minutes and no one ever picked up. There is more than {$300.00} in charges from overseas that were taken fraudulently from my account on XX/XX/2020. This account is for Child Support in Pennsylvania and EPPI Card ( Conduent XXXX  ) I just need to speak with someone so that I can get this money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Inquiry from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XXXX of 2016 my student income based payment plan was set to renew at 15 % of my income. I asked Navient if there was a way to lower the payment. They steered me into a new plan that would be 10 % of my income without explaining to me that I would incur {$60000.00} in capitalized interest. I believe I was deceived so they could get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: OneMain Finance Corporation
State: MI

Complaint narrative:
Inquiry from OneMain Financial on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: FL

Complaint narrative:
My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I was searching for some products on XXXX  for my upcoming birthday By a designer name XXXX XXXX and I had found one item I had like and I contacted the person about it. Everything seemed okay very legitimate. I thought I was contacting the real person. Because He gave me very details instructions and I went through with it. Because they didnt have the item I had wanted on the website. I had Sent him a {$150.00} he then told me my money was not going through. An ask me did I just make my XXXX XXXX. I told him yes. So he canceled the payment and told me try again this time send the whole amount in Increments. So I did that after I sent the {$150.00} again I sent {$130.00} and {$300.00} and another {$300.00}. Not knowing he was scam artist and he fraud designer not the real 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 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello FTC ; Comenity Bank calls my phone and my wife 's phone numerous times a day. Starting before XXXX every week day and every Saturday and Sunday until after 2100.We are enrolled with XXXX  XXXX XXXX XXXX XXXX and they have issued Comenity Bank multiple power of attorney notifications in which case a Comenity Bank agent informed me they don't work with debt solution companies. Comenity Bank has called my brother and my son.This has been ongoing since we started with XXXX XXXX XXXX on XX/XX/2020 to present XX/XX/2020 were they called my brother this morning. I ask that the FTC abolish all my debt and all my wife 's debt with Comenity Bank and fine them {$1000.00} for breaking FTC laws. Thankyou.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 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: American First Finance, Inc.
State: MI

Complaint narrative:
Inquiry from American First Finance on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Inquiry from BMO Harris BK N.A on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry 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 2020-08-13 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: TX

Complaint narrative:
On XX/XX/2020, consumer disputed account online in which the consumer requested that the XXXX XXXX account be removed as the consumer is NO LONGER an AUTHORIZED user. The consumer is not the primary card holder and therefore the account should not still be reporting on the consumer credit file. Reason for the complaint is that Experian returned the results on XXXX XXXX. 2020 showing updated payment and balance on the account and also showing the account to be active. Experian did not conduct investigation as the consumer requested because if they did their job properly they would had removed the account from the consumer credit file. This reporting is not reflecting a true accuracy and it's effecting consumer 's credit score. The consumer also contacted XXXX on XXXX to verify if consumer was removed as an authorized user and they verified that it was done as requested by the primary card holder at the end of XXXX/early XXXX of 2020. Experian has failed to properly conduct dispute in timely manner with accurate updates.

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