vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
This is about XXXX XXXX trying to collect on a debt of {$630.00} that has been paid. XXXX XXXX is reporting a Charge off derogatory debt on my credit report that I paid on XX/XX/XXXX. The original account number is XXXX. This is the same account number listed on my credit report. In XXXX I spoke with a respersentive from XXXX XXXX and advised them that the debt they are reporting for {$630.00} is not correct and has been paid. My debt was original to Capital one for XXXX was being collected by the law firm of XXXX XXXX XXXX  XXXX. I paid XXXX XXXX XXXX XXXX in full the {$400.00} I owed Capital one. The paid XXXX XXXX is XXXX and File # XXXX. I am not sure where the {$630.00} came from this must be fees attached to this account. I emailed XXXX  a copy of the paid in full letter from XXXX XXXX XXXX XXXX and XXXX XXXX stated their investigation revealed I still owe this debt. I disputed this with the Credit reporting agency and never received a response. This is what I called False reporting. I provided them with the paid letter and also ask if they contacted the law firm that collected my money. This entry on my credit report has stressed me out and prevented me from getting a home loan. This is not fair. I have attached the letter and a copy of my credit report to this complaint. They are aggressively trying to make me pay a debt that I have proven to them that I paid. This is not fair. Please investigate and delete this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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:
My rights were violated pursuant to Federal 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 explanation
Consumer complaint received 2020-11-11 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My rights were violated pursuant to Federal 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 explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
My rights were violated pursuant to Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 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: NY

Complaint narrative:
I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NY

Complaint narrative:
They wont approve me For my credit card Ive applied so many times its like they hate me and my credit ridiculous! This bank should be out of business

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
experian has liedd about my personel info as incorrect.my ss was posted on my cfpb report and was sent to experian.they are using these lie because i have issued numeerous cfpb complaints and they are trying to my hinder my legal rights to use the cfpb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed 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 explanation
Consumer complaint received 2020-11-11 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: TN

Complaint narrative:
On XX/XX/2020, XXXX removed Chapter XXXX bankruptcy XXXX from my credit report. I have several documents to prove that this was removed and have sent those documents over to Equifax, but they are still reporting this public record as accurate. I know for a fact that there is no way that they can report this account as accurate since XXXX has removed it and they have told me that they have had trouble initiating a dispute with Equifax to have this information removed. There is no reason that this public record should come back accurate since it does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Complaint about XXXX XXXX XXXX XXXX. 



This complaint against new residential is a complaint about Mortgage back securities fraud. 

XXXX XXXX XXXX XXXX is publicly traded on the XXXX  XXXX  XXXX  XXXX  under the ticker NRZ. 

On XX/XX/XXXX I received a letter stating and ownership change. It stated ownership was transferred to an NRZ pass through XXXX  XXXX  c/o XXXX, and not in its individual capacity but solely as trustee of NRZ pass-through XXXX  XXXX. It also states as of the date of this letter the transfer of ownership has not yet been publicly recorded. 

( See exhibit B ) Notice of ownership change On XX/XX/XXXX there was a fraudulent assignment of mortgage with ( assigner ) XXXX XXXX XXXX XXXX America, as trustee for XXXX  XXXX  XXXX XXXX, mortgage asset back pass-through certificate series XXXX XXXX. ( Assignee ) XXXX not in its individual capacity, but solely as trustee of NRZ pass through XXXX XXXX. ( See Exhibit C ) Fraudulent unrecorded assignment. 

In XX/XX/XXXX I received a letter dated XX/XX/XXXX from XXXX XXXX. I requested XXXX XXXX to send me recorded assignments of documents from the state of Hawaii. XXXX XXXX never sent any recorded documents but sent me a letter stating our records indicate that XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee of NRZ pass through trust X are the current owners of the loan. ( See exhibit D ) Letter Stating ownership Now in XXXX I received a letter dated XX/XX/XXXX from Shellpoint mortgage servicing responding to the consumer financial protection bureau complaint received on XX/XX/XXXX regarding the subject property. It stated XXXX XXXX XXXX XXXX, not in its individual capacity but solely as trustee of the XXXX  XXXX XXXX  loan trust XXXX XXXX is the current owner of the loan. 

Shellpoint never sent me any recorded documents proving XXXX XXXX as owners of the note. 

XXXX XXXX XXXX XXXX needs to explain to the consumer protection financial bureau how these mortgage back securities can be traded or sold without legal title ownership nor recorded assignment of mortgage to the stated entities that claim ownership. 

It is a federal crime to transfer, create or sell mortgage back securities without a recorded assignment of mortgage to show ownership ( See exhibit A ) XXXX XXXX XXXX loan trust XXXX letter stating current ownership We are in the process of filing a complaint with the security and exchange commission for mortgage back securities fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, notices, or letters about this debt and that violates my 30 day right to 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 explanation
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. 

I demand that the following account be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
I have a curacao Account I was tested positive for XXXX I called and explained to them I well be out of work for a few weeks they told me dont worry I wont have a late payment as long as I make a double payment which I did back in XXXX I have been calling this company over and over I can not get a manager on the phone and they take my information saying they well have one call me and no one never recaches out to me. I should not have this late payment on my credit for I was sick with XXXX  and information this company and the sales person lied to me just to get me to make a double higher payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I have contacted Sequio Financial services asking to validate the debt, but I have not received anything from them. 
I did not authorize this charge. This should not be on my account Account no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am a federally protected consumer and Santander Consumer USA has violated me under the provisions of 15 USC 1692, 12 USC 1431, 15 USC 1681. Please review the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a debt on my credit file that I do not owe. I recent checked my credit file and noticed this debt. I called immediately and paid this debt off. I never received any phone calls, letters or notices about this debt and that violates my 30 day right to dispute.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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: TX

Complaint narrative:
I have found collection accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX that claim I owe them money. I have never signed any contract with these comapnies and request to have these permanently removed 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 explanation
Consumer complaint received 2020-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have been trying to get this loan reviewed for a loan modification since XX/XX/2020. In a letter dated XX/XX/XXXX, Shellpoint informed me they required additional documentation to finish their evaluation, more specifically, a copy of their Uniform Borrower Assistance Form, a copy of most recent bank statements, Copy of Dodd-Frank Certification Form and, copy of most recent quarterly profit and loss statement.

On XX/XX/2020 I submitted all of those documents to the mortgage company via the dashboard on website ( with email confirmation ) and via email. On XX/XX/20 they were submitted again via fax because ( also with fax confirmation ) because I was informed through email that For some odd reason our imaging system isnt uploading all the documents to her file.

On XX/XX/20 Shellpoint informed me they are unable to complete the evaluation because they did not receive all of the required documentation and asked me to contact the office to discuss whats missing. On XX/XX/20 I contacted Mr. XXXX XXXX, my Loss Mitigation Specialist at the mortgage company, to find out what was missing. Today is XX/XX/20 and have not heard back from Shellpoint yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2020 XXXX was paid to XXXX XXXX through XXXX for services that was never rendered. I contacted XXXX and was told that since it was over 120 days they could not refund the money. I was instructed to contact my bank. Bank Of America put in a claim and I was told that since XXXX was the sender of the money which came from BOA that I had contact them again and then I was told to contact you about this matter. 

Please assist me. XXXX cell or XXXX Thank You. 

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
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing!

Company response to consumer: Closed with explanation