vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Shellpoint Mortgage Servicing claims to have paid my 2nd half property taxes out of escrow in the amount of {$680.00} on XXXX XXXX County Treasurer has not received any payment from XXXX on my behalf. 

XXXX claims it paid by a check batch, but they refuse to produce an image of the cancelled check, nor are they willing to communicate directly with the County Treasurer about the matter. Instead tax payers are put through a long-running shell-game that results in no tangible nor useful information for resolving this issue. 

In fact, this non-pay issue affects at least XXXX XXXX County tax-payers serviced by Shellpoint d.b.a. XXXX. I suspect they may have misappropriated funds held in escrow and never actually cut a check at all, but suspiciously ledgered debits from our escrow balances anyway. XXXX has not produced any evidence to prove that funds allegedly remitted, were acknowledged/received by payee XXXX XXXX XXXX or cashed by another entity and in need of recapture. 

It has a really bad accountancy and finance smell, and we really need an advocate before tax-liens are levied against our homes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus Experian, XXXX  and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted several times to update my person information with Experian. After being told an address that has never belonged to me could not be disputed. I have been blocked from disputing anything with experian online which violates the Fair Credit Reporting Act. The address that do not belong to me or has never belonged to me is XXXX XXXX XXXX XXXX, TN XXXX. I would like this address removed from my credit report. If Experian does not remove this address I would like supporting documentation of reasoning and proof of a verified investigation.

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 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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 contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: Premier Auto Credit
State: FL

Complaint narrative:
XXXX  is showing this car loan verified but with XXXX  it is not on my credit at all.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I received a collection account statement from Sequium this week asking me to pay {$270.00} on ; XXXX XXXX XXXX '. I called Sequium and asked what this collection was about, he looked in to the accoount and said he wasn't sure about the original creditor and said it could be XXXX or XXXX XXXX XXXX. I asked for the service date but he did not have that information either. 
I told him that I have a different pest cpontrol company that I have been using ever since I moved in to this address and NEVER used XXXX  or XXXX XXXX XXXX  but he wouldn't listen. I asked him to verify the service address but he was sure about the address. I requested him to send me a detailed statement that shows the activity on my address under my name but he refused to do so and asked me to review the bill he sent to me. HE SAID THE BILL HAS ALL THE INFORMATION ON SERVICE PROVIDED TO ME. Please see attached bill and see if it provides any details on the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, Transunion and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.

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 2020-08-15 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: MS

Complaint narrative:
After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus XXXX, XXXX  and Equifax. The false information that's reporting on my credit report is affecting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.

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 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I have a loan with COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, COLLECTION BUREAU OF A ( Original Creditor : XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX. with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I only had the car for two months starting some time around XX/XX/2020 and I have been having probleming since day 1. The problems to fix this car is expnse but they are willing to pay. This car has been putting me on the side of the road coming from work many days and nights. It has cost numerous of problems causing me to missed work, doc apt XXXX all because of a lack of a ride. They fasely advertistment this particular car and knowing that this car is not " WORKING ''. I also believe this car is a " LEMON '' and it just never going to be the same. It goes in the same shop back and forth and the shop doesn't fix on the car right at all. The dealer know something wrong with the car because they are pressuring me to get something else but I have to have a CO-signer and dont have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) and NAVY FEDERAL CR UNION. with no successful resolution. There was definitely an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.

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 2020-08-15 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: MS

Complaint narrative:
Please remove the collections accounts from my credit file. I have not signed any contract of made in agreements with these company and they no right to report on my file. I have received any form a debt validation in a timely manner or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX is showing this car loan verified but with XXXX it is not on my credit at all.

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 2020-08-15 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but Cornerstone reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the XXXX  loans I have with Cornerstone. 
Please have them remove these false errors on my credit report from both loans. Thank you

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 2020-08-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my studentaid.gov website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX  reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a student in Spring of XXXX and my student loan went in to repayment status on XX/XX/XXXX. On my XXXX website and history my loan went in to forbearance with an effective date of XX/XX/XXXX and did not go into repayment status again until XX/XX/XXXX. There is no reason I should have late payments on my credit report but XXXX reported me as having late payments while I was in forbearance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the 2 loans I have with XXXX. 
Please have them remove these false errors on my credit report from both loans. Thank you

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 2020-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I noticed an account with the name Capio Partners under my collection accounts. It mentions that I have {$720.00} to pay off. The report was placed on XX/XX/XXXX. My credit score dropped drastically by 89 points after this change. The account is associated with XXXX XXXX XXXX. I called the company. They mentioned that it's associated with XXXX XXXX XXXX and they were not being specific, eventually asking me if I wanted to pay it off now or set up payments. After that day I kept receiving repetitive calls. They mentioned payments that go back to XX/XX/XXXX. I don't recognize this account or name at all. I am sure I have nothing due. All my physicals, medication, and visits have been covered by XXXX. I have attached proof of my XXXX XXXX. I was never aware of this. I never received bills that were due. My hospital verified that my account had nothing due. I'm at the age of XXXX and I have been paying all my bills on time, car insurance, and my XXXX XXXX Credit card. I have not missed any payments. I have been paying my monthly bills in full statements. My score was at XXXX and it dropped to XXXX. With further proof, it states in the XXXX website " This business currently has nearly 696 complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 387 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: Synovus Bank
State: FL

Complaint narrative:
Came back Verified on XXXX but delete on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MS

Complaint narrative:
My mortgage is in a forbearance status and should not be reporting any late payments. Please remove all late payments and reflect them show paid on time. I have never been late

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