vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
COMPLAINT ID XXXX I do not accept the response from the mortgage company regarding this complaint. They are in the wrong and should be made to remove the negative reporting off my credit report. How can they get away with this? And how am I protected by not being able to respond to their response? I reached out to them to make a payment. I told them tell me what I need to do to make a payment. they delayed and delayed while i reached out trying to find out what's going on. pleading to let me know something so that this would not happen! This is a sin that myself, as the consumer, middle class- we get screwed up the most! This one seemingly small incident has effected me horribly! And again, I did nothing wrong! I followed the rules! We are NOT protected! I reached out so I could start making my payments again. I wanted to get back on track. I identified that I did not want to have any negative impact on my credit as I had done everything I was told to do the right way, etc. and the company did wrong! How can a company get away with this!? This is not fair to the " small '' consumer! They just get to apologize for their mistakes, but are not willing to fix anything?! This has impacted my life in such a negative way, but does not harm to them whatsoever! They were WEEKS late at getting the documents out to me, they were days late with wrong information regarding the regulations. Not to mention I was told by this company, their loss mitigation " specialist '' that nothing would be reported while working on the new program/modification!? This is a disgrace to the consumer! How am I protected when they can get away with this??? It's right there in black and white! " No, you will not be reported '' " Sorry it is taking so long '' And me asking, begging, pleading for an answer so this would not happen! We consumers are NOT protected if only the company gets to respond without the consumer 's rebuttal! What an absolute disgrace. NewRez/Shellpoint mortgage should be ashamed of themselves for their practices and customer service!!! Imagine a customer saying one thing and doing another? Our lives get ruined!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
so my grandparents gave me a XXXX $ gift card with vanilla gift card... when I activity it was already being used in new york and I live in Florida!!! customer service at first was helpful sending me a card dispute form that was in XXXX we are in XXXX and I still never got an update... I call to see if there was an update. the caller always seemed confused and every time they put me on hold I get hung up on I even asked to speak to a supervisor to put in a complaint they just hung up on me well they put me on hold... still never got my XXXX $ back .... 
XXXX XXXX cards were used at XXXX via XXXX XXXX $ XXXX XXXX card was used at the XXXX  XXXX XXXX XXXX card was used at XXXX  XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I attend Georgia XXXX XXXX in XXXX, XXXX My Federal loans were transferred to AidVantage. I am still in college. I have two more classes to take after current quarter. I plan to graduate at the end of this year. My mother is paying for the remainder of my classes as I work and attend one class per semester. This will keep my loan balance as is and I will not not acquire any more student loan debt. 
AidVantage sent me a bill for {$220.00} due on XX/XX/21. My total loan balance is {$22000.00}. It is my understanding that I don't have to start paying anything until 6 months after I graduate or if I leave college. I don't understand how they are calculating the {$220.00}. I don't understand how I have a bill due and I am still in school? The current interest on my AidVantage statement is showing a balance of {$77.00}, I thought the government stopped interest from calculating due to COVID? 
I have made several attempts to create an online account on their website but it is not working correctly and it always times out so I can not access anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was living in an apartment in XXXX XXXX, MI named XXXX apartment with the management of XXXX XXXX for around 5 years. Before I moved out I asked them to give me and inspection and estimate cost of damage that might happened to the apartment, they REFUSED! 
After few month I noticed that I have a debt in a collection agency that is damaging my credit score. Finally I figured out that the apartment complex made some fraudulent bill for the damages that I did not made to the apartment and SEND IT TO A COLLECTION AGENCY WITHOUT CONTACTING ME!!!

The collection agency did the same and did not call, mail or email me to negotiate the debt and after reporting to my credit company and hurting my score send me an email about the bill!

I think that is their strategy to ruin people credit to threaten them for more damage they will make on the credit score to get the money as soon as possible. 

I need both my XXXX apartment ( Run by XXXX XXXX, XXXX, MI ) and collection agency ( NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX, XXXX, GA ) proof that they have contacted me for the debt! 
They also need some proof for the made up bill! 
for example around XXXX bucks just for removing trash! I vacuumed cleaned the apartment! 
also for carpet and other damage they need to show proof and also a good excuse why they did not contact me to negotiate and confirm the bill. 

Another fraudulent fact that you can see is that they send me the bill on XX/XX/2022 after I asked them and after they sold the debt to the collection agency and you can see in the bill that they billed me XXXX USD but they sold the debt tothe collection agency for XXXX USD! 
Just look at the bill and the date on it! after sold it to the collection agency! 
Will also upload some pictures of the apartment is necessary. 

Really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-22 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: CA

Complaint narrative:
Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company 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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-22 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:
The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: CA

Complaint narrative:
The below accounts do not belong to me and they are effecting my credit negatively. I have listed all the info I have about the accounts. 
XXXX XXXX account # XXXX Balance {$220.00} XXXX XXXX account # XXXX Balance {$87.00} XXXX  XXXX XXXX account # XXXX Open XX/XX/2019 Balance {$0.00} XXXX  XXXX XXXX account # XXXX opened XX/XX/2019 Balance {$0.00}

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2022 aprox XXXX I attempted to obtain my account number. My statement did not have it available, the online option did not have it available. I didn't want a replacement card and was told that was the only way to obtain the account number. I wanted to pay off my card while obtaining funds for a balance transfer. I tried to explain that by law they should provide me my account number in order to make a payment. I could answer any security question requested if they had only asked. However, I was told the only way for me to obtain my card is to order a new replacement card and I could receive it in 10 business days.

This is incorrect and there should be a means to obtain my account number so I can send them a payment.

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management , LLC ( XXXX, Texas ) placed a collection on my credit report for a debt that was not mine. No attempt to notify in writing, to do basic validation of a debt clearly in another state. I have contacted Credence, the original company XXXX, credit bureaus, the CEO of Credence, and have filed a police report and still am not satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Description of Complaint : I opened a new checking account online ( XX/XX/XXXX ) to add to my current accounts. As a customer of 20+ years I believed it was a great opportunity to choose another account for the better options available. However after opening the account Chase decided not only to freeze the new account but all my other accounts due to suspicious activity. The first problem was I never was contacted ( phone, text, or email ) to inform of restricting account or verify if I was the person opening account and had to find out because my card was declined making a purchase. After calling in and confirming my identity I was told I needed to go into a local branch and bring 2 forms of identity and proof of address. Once my account was reopened I was notified that any ACH debits ( PD on XX/XX/XXXX and XX/XX/XXXX ) that were still pending we returned. Meaning bills that were paid and processed by merchants yet hadnt finished processing in Chase had now been returned back to the merchants. When trying to resolve this issue I was told that yes I should have been notified but unfortunately there wasnt anything they could do. I have spent the last 5 days contacting over 10 merchants to let them know what happened, 3 of which I cant get access or set back up auto-payments until my next bank statement or I get a letter from the bank verifying my account. Which includes an investment account in which I could be losing money daily ; as well as accrued late fees and returned check fees all because I opened an account through the option available online. There is no disclaimer stating that this is possible and all I received was empty apologies with no resolutions. I as the consumer have no recourse to the banks mistake and am now responsible to clean up my lively hood because they didnt do their due diligence and just restricted my account. Then they sent a letter dated after I went into the bank and verified/opened my account which arrived on today XX/XX/XXXX stating my account has been blocked. Ridiculous!!! 
Desired Settlement : Repair ; Refund ; Modification/discontinuance of an advertised claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: NY

Complaint narrative:
Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Billing dispute timely filed for {$110.00}, date XX/XX/XXXX, merchant XXXX 's. On XX/XX/XXXX a letter was produced on Bloomingdale 's letterhead requesting additional information for a dispute filed over 60 days ago. Significant proof in the way of an email from the merchant claiming that the merchant " would like my address so that they can recover from our failure '' ( copy attached to this complaint ). Merchant was provided my address on XX/XX/XXXX, merchant never responded. I have a valid dispute.

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 monetary relief