vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here
State: VA

Complaint narrative:
XX/XX/2021 A call was placed to my job asking personal questions from a co worker when called the finance company back I asked XXXX XXXX not to call my job she said shes going to do whatever she wants and she will continue to call my job when she wants to. When she called my job my co worker answered the phone with the greeting thank you for calling XXXX financial how can I help you XXXX advised my co worker that this number is listed as a home number for me in XXXX and proceeded to badger my co worker asking questions my co worker advised her due to privacy reasons she could not disclose the location of my job and XXXX continued to try to get information. I have been embarrassed because now everyone on my job thinks someone was trying to repo my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
References Shellpoint Mortgage Loan # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Mortgage Loan # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, VA XXXX Since XX/XX/XXXX I have been trying to complete and sign my loan modfication docs. Both Mortgage Agents have put me thru XXXX. I have attached in detail every email contact that I have been thru from XX/XX/XXXX thru XX/XX/XXXX. 

I has come to my Attention that Shellpoint Mortgage has reported me to all XXXX Creditors as 120 days late. It has dropped my score XXXX points. Never in my Life I have seen this at all. Please take your time and read the attached documents and you can see the XXXX I been thru.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX BANK XXXX of XXXX XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I am XXXX XXXX XXXX and suffer from XXXX XXXX. 

TD bank has charged me {$5200.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: NY

Complaint narrative:
I had made a purchase from a company called XXXX which was a huge mistake, they turned out to be very shady n liars, I was charged the XXXX for pulse oximeter n was unaware of being charged more then that, I was unfairly charged for XXXX which that merchant refuses to give me back n I disputed it with the credit card company, the package was refused from the post office and an rma number was written on the package, and was sent back, the package couldn't be confirmed delivered back to the merchant according to the post office because of it not being scanned n I have no control over that n the credit card company initially give me the refunds back for XXXX n XXXX but then reversed the credit n put the charge back on my account for XXXX n that is extremely unfair that the credit card company wont reverse the credit charge n credit me back the refund of XXXX n they closed my case very unfairly n I want to dispute this n make a complaint against them and that merchant is very shady n each time I try to resolve this they constantly lie to me n refuse to give me back my full refund and they are a very unscrupulous company and I wish I never purchased anything from them.The package was refused from the post office, and I have no control what happens with the package, the tracking number was on there, so either the package got lost or the merchant is lying about the package not being delivered because that merchant lied to me numerous times over the phone about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03 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: CA

Complaint narrative:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-03 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: Hillcrest Davidson & Associates
State: AZ

Complaint narrative:
XXXX XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I lost my job with the XXXX XXXX and I asked for a loan forbearance. I was In forbearance for XXXX months. I made sure to pay my taxes to make sure it doesn't go into a tax sale. They have no record of me making any payments during my forbearance. I came out of forbearance in XXXX and have been making my payments. I received a letter that they came up with a repayment plan. I have XXXX months to pay XXXX. What was the point of forbearance if they're just going to come up with solution that only benefits them? I called them and asked for an explanation why I was denied a deferral or loan modification. I was told " read the letter, it's self explanatory ''. I asked to talk to someone else and was told there is no one. So, I called back and asked if I could talk to someone and try to work it out..I was told there is no one to talk to. I asked for the lender 's name We can't give that information, we have to request it and mail it to you..they said " to be honest they don't care who you are and won't talk to you. '' SPS is the worst company. They only read the letter you have in front of you and offer no help. They can't give a detailed explanation of how they came up their decision. It's beginning to feel like a fraud, why help homeowners when we can foreclose on their home and make a profit. The XXXX XXXX XXXX XXXX isn't even up yet and it might be too late for many of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: GA

Complaint narrative:
I have XXXX bankruptcies showing on my credit report ( XXXX/TransUnion ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call XXXX and TransUnion on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that XXXX and TransUnion REMOVED those two bankruptcies thats showing on my credit report because they are violating the fair credit act.

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 2021-12-03 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: CA

Complaint narrative:
XXXX Fraud Department : Remove fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2021-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I paid a debt collector on XXXX in total of XXXX. XXXX months late I was notified that the debt was still owed by ic system. I sent the letter from my chase account that it was aready paid. I stated that it was illegal to pay a debt twice. They notified me that its not there problem. Both amounts where exactly the same. I have prouf that it was paid. I sent it in. They did not care. I feel like this is not write .I had to pay this so it would not be on my credit report. It still went on my credit report twice. I need to know how to fight this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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:
I am a truck driver so I don't have time to keep filing all these reports but I am a victim of identity theft because my information was exposed from XXXX Breach. I have listed the items in the letter that I do not recogonize on the attached copy of the report I had to fill out on the Federal Trade Commission website. The items I am disputing do not relate to any transactions that I have made or authorized. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C.1681i, requires you to delete/block this fraudulent information on my credit report resulting from identity theft within 4 business days.

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 2021-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03 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:
I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX  credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX : XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-03 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: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation