vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have been speaking to a XXXX XXXX in the lost mitigation department at Shellpoint. 
I was denied a forbearance in XXXX and was told that there were not any other options for this loan. I was never told of programs that could possibly help me. 
I called XXXX XXXX to tell her at the beginning of XX/XX/XXXX that I was going to be applying for the mortgage assistance. She told me that there was a foreclosure about to happen but it was on hold because of title issues. She told me that I needed to do a reinstatement for the mortgage assistant application and that she would be sending out the letter for me to use this. When I received the reinstatement letter in the mail, it had a date of when I had to settle the amount past due on the loan or they were going to foreclose on the property on XX/XX/XXXX. My application for the assistance was received and I called XXXX XXXX to let her know, she told me that they no longer had the loan. She stated that the loan was foreclosed on XX/XX/XXXX and given back to the bank. The contact from the mortgage assistant is ready to approve my application but Shellpointe never sent me a foreclosure notice only a reinstatement letter. The application will not go through without this notice of foreclosure. This whole process seems wrong to me, the reinstatement was done because of the mortgage assistance application. Though its on a timer? This was way out of my control at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I made a purchase for furniture from bed bath and beyond on XX/XX/2022. I received the merchandise on XX/XX/XXXX. I returned the two tables and chair without even opening the box as I found a set cheaper elsewhere and dropped it off at XXXX on Tuesday XX/XX/XXXX. Tracking number XXXX which they provided me themselves. I did as they asked and the tracking never updated. Ive enquirer many times directly to the company to look into it as XXXX told me that they have to open an inquiry on the package. Nothing has been done. Ive been told by reps that I would receive a refund. Then told I wont as the item hasnt been delivered. To then being told Id hear from the warehouse team which I never did. Ive contacted them countless times and they do not help at all. Terrible customer support. I did everything on my part to return the item and now I am out of money because of it. And so I did poured with capital one and now they reversed the charge so Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: GA

Complaint narrative:
XXXX and Equifax are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX by Transunion is reporting credit history going back 17 years. I applied for a loan through an SBA lender and they obtained this report from XXXX with information from 12-17 years ago that should not still be on my credit report. My current credit score is near XXXX yet I was declined for having this old data on my report, including a bankruptcy filing in 2005. Transunion is getting around this by calling it an " identity report '' instead of a credit report. Are they not required to follow the guidelines of 7 years for most data and 10 years for bankruptcies to fall off the 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 2022-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cherry Creek Corporate, LLC
State: WA

Complaint narrative:
I am/was in the process of looking for a manufactured home and was working with a realtor. He recommended XXXX XXXX with Cherry Creek Mortgage. I had filled out the paperwork and submitted on XX/XX/2022 at XXXX, after filling out the paperwork I realized I was not prepared and needed to work on my debt to income ratio. I notified Cherry CreekXXXX XXXXXXXX on the morning of XX/XX/2022 at XXXX I emailed XXXX at her direct email and asked her not to submit my application that I was withdrawing it until further notice. I received an email from XXXX on XX/XX/2022 at XXXX stating she had sent the application to two lenders and it was declined. I am now getting notices of adverse credit decisions even though I asked her not to do it. Because of this, I am now getting all these offers to pay down debt with various debt resolution companies. This is not right. 

I kept all the emails in the event additional information is needed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: NY

Complaint narrative:
CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDIT CONTROL CORP ( Original Creditor : XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-17 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  - XXXX  XXXX  Act. # XXXX in accordance with the Fair Credit Reporting act XXXX  Account # has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-17 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a late payment from XXXX has a late payment in XXXX and they dropped my numbers XXXX points I did speak with XXXX  XXXX that did not report me a late payment I have no late payments I've tried several times to contact Experian I was given the number by XXXX  XXXX XXXX  that I could call them it is a false 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 2022-05-17 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: CURO Intermediate Holdings
State: AL

Complaint narrative:
I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Ref # XXXX, XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX  Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX/XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX/XXXX Account # XXXX, XXXX Account # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Ref # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX and Account # XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation