vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: WI

Complaint narrative:
I had a Discover Card in my name for XXXX years, did not miss any payments. I paid either the minimum or just over it, for years. The company raised my interest rates, and then the amount owed each month, which I could not pay on a fixed income. I tried to have them reduce the amount owed each month back to the original payments, they quadrupled the amount, and won't stop calling me day and night. It is stressing my XXXX XXXX XXXX mother out completely, because they wont stop calling. I have talked to Discover reps several times, and they keep increasing the amount instead of reducing it. Please have them stop harassing me and my XXXX XXXX XXXX mother at our home. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I received a notice from my insurance company ( XXXX XXXX XXXXXXXX ) that Newrez/Shellpoint had neglected to pay my mortgage insurance. I wrote Newrez/Shellpoint on XX/XX/23 and forwarded the insurance bill. I also emailed it to XXXX. On XX/XX/23, when I still had not heard back from Newrez/Shellpoint, I called them and they had me send the insurance bill to them at XXXX. They called XXXX who prmised not to cancel my homeowners if they got payment to XXXX immediately. That did not happen. My homeowners was cancelled, and Newrez/Shellpoint sent me a notice ( XX/XX/XXXX, but I just received it ) that they were going to buy me insurance since the homeowners I had was cancelled ( because they failed to pay them ). Today, I had to pay XXXX {$140.00} to reinstate my homeowners policy hoping that Newrez/Shellpoint could actually get payment to them in the next 10 days. I am FED UP with Newrez/Shellpoint . Please help me! There is plenty of money in my escrow to pay this bill. And, my mortgage is set up to pay the homeowners out of escrow.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of 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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account with out my written consent. 15 USC 1666B : States a creditor may not treat a payment on account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX has shown late payments on my account for XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
On last Tuesday I went in to One Main Financial and took in what they had ask for to complete the making it as if I ' d got the loan after about 45 min. They came ansaid I just a little bit under the mark and then took my score down XXXX pts after not giving me the money..Ok leave my credit score along if you are not going to give loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I entered into a settlement agreement with Prosper. We agreed to a reduced amount of the loan as long as I paid as per the settlement. My payments were reduced down to {$180.00} until XX/XX/XXXX then the last payment would be {$110.00} due on XX/XX/XXXX. Since XXXX I have made all the payments on time, yet, the payments on the account look like I have not paid per the agreement b/c the payment amount is no the " original '' complete amount. So it is the constant rolling 30 day or more late. Once it becomes 60 days late according the the account they then report me late, but technically I am not as I am making the payments at least a day or two before the due date. They have now reported me late once again this month and this is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Upon the agreement of XX/XX/XXXX the company XXXX XXXX XXXX in connection with XXXX XXXX agreed to remove the negative information on the credit report as it was inaccurate. When I contacted their office on XX/XX/XXXX to advise that when I reviewed my credit report that they had placed the item back on my credit as a new debt, I was told I needed to contact XXXX XXXX directly. However XXXX XXXX XXXX is the XXXX to which I was working with directly. XXXX XXXX XXXX has stated that they no longer has the ability to assist me as the matter was settled and that I would need to contact XXXX XXXX however there is no record of XXXX XXXX. When I spoke with XXXX XXXX XXXX there claim is that they no longer have a relationship with XXXX XXXX and are unable to assist me. However because this is reporting on my report as a new debt it leads me to believe that there is fraud. XXXX XXXX XXXX has failed to do as agreed and I have been informed that they do not have a valid number for the company XXXX XXXX to remove the item from my credit report as I do not owe this debt.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX are reporting a debt to my report without my my consent. they are doing this without my written instruction. they continue to violate my privacy rights. Niether of these companies have certificate of authority to transact business in Michigan. They are not showing me any contract that shows i owe anything and if they did it would be an admission of violating multitudes of state and federal law without penalties and liabilities well over XXXX dollars. this violates the XXXX, FDCPA, GLBA, FACTA, Post Office Act. Wire Fraud Act. that's just the start. there's also multitudes of state law and public policy in violation.

In addition The Fair Credit Reporting Act states multiple times the importance due diligence, accuracy and the grave responsibility of reporting agencies. this information is inaccurate illegal and must be removed promptly in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I won a {$500.00} gift card from the NYS Lottery 2nd chance drawing last year. When I went to use it this Spring I checked to make sure it didn't need to be activated and it showed a balance of {$3.00} ( I never used the card at all ). I contacted Vanilla ( The issuer ) and they said they have to do an investigation and it would take " up to 90 days '' I submitted everything they asked for and I waited. We just passed the 90 day mark and I never heard anything from them so I called them. After being left on hold for OVER an hour ( Sorry for yelling ) I hung up and called back. The woman first said they didn't have an answer and then she said the balance is {$480.00}. ** because of service charges which were apparently charged while the card was locked up usage wise by them for their " investigation ''. I explained that the card says there will be a charge on the XXXX month after activity of which there wasn't any activity at all. So they charged fees that weren't proper especially since they had the card not activated during the " investigation ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
In XXXX of 2023 I was contacted by XXXX XXXX XXXX, a debt collector for XXXX about a debt. I informed them this was not a valid debt, all leased materials were returned to the XXXX store in XXXX VA on XX/XX/2023. I then received notification that they apologized, and that they would not longer seek remedy and the case was closed. The collection was then removed from my credit file. 

Now, this same debt ( which was already deemed invalid by XXXX XXXX XXXX ) is being sought after by Sunrise Credit services. It is not valid, there is nothing owed to XXXX, and this was already proven and settled with XXXX XXXX. Additionally, I have received ZERO written correspondence from Sunrise Credit about this debt.

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 2023-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/2023 my employer XXXX XXXX released my pay day funds to chime for direct deposit. The direct deposit was never released to my account, I checked with my employer multiple times and they have all accurate information regarding the account ( routing number, account number ). After contacting Chime multiple times, they have been unable to resolve this issue, tell me where my money is. They have given me the run around. This account has been having direct deposits put into it from my employer since XXXX of XXXX with no issues. I have contacted XXXX who is partnered with Chime and am told they only issue the cards for Chime. They cant help either. As of today XX/XX/2023 my direct deposit is still missing with no answers as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXXXXXX 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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The date of first delinquency was in 2014 I stopped paying because they closed my card. They claim I kept paying but I have no record in my bank account or any of the accounts I own that they have been paid. Unless they can produce payments from my XXXX account or XXXX XXXX account then I would like this removed since this has been on my credit report for over 9 years as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting 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:
This is XXXX XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
The servicing of my loan was transferred from NewRez to Shellpoint. We have been unsuccessful in many attempts to get information about sending our mortgage payments to Shellpoint. Shellpoint 's website says we should use our NewRez log-in and password to sign-in, but our log-in and password do not work on the Shellpoint website. I then tried to create a new account on Shellpoint. Shellpoint rejected the new account with a message saying I already have an account. For XXXX days we have been calling Shellpoint, but the calls do not connect. We have never missed a mortgage payment but are worried we might if we can not set up payments to Shellpoint. Thank you for your help.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian has repeatedly reported inaccurate information in my credit report. They have my ex ( deceased ) husbands ss number listed as mine, they have the wrong name as mine, as well as accounts such as a XXXX card which I have not applied for listed on my report. I have addressed every issue several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
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 explanation