vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My issue began when paying mortgage after my spouse died. Paid my mortgage on XX/XX/XXXX and not until XX/XX/XXXX was I informed that I was 2 months in arrear for not having paid XXXX. Asked mortgage company to have manager call me. Provided my phone number and did not receive a call after XX/XX/XXXX in which I called them back. They indicated they tried calling, but at a phone number I had not provided... therefore I was charged another late payment. 
I started sending my mortgage by mail as mortgage, the mortgage company stated was not in my name, only my husband 's. Faxed paper work to their financial office and stated house was also in my name... however they placed the account " To the Estate of ''. Recruited an attorney as Shellpoint indicated I may have to be qualified to determine if I can continue with this mortgage contract.This was per XXXX XXXX ( supervisor ). 
My lawyer indicated based on paperwork from our XXXX XXXX mortgage was also in my name. 
However, today I tried calling Shellpoint. ( as currently have tried paying on line but my account is not there )... or I'm not. Called shellpoint mortgage ... my social nor my husband 's 4 digits can not be found..nor are they able to find my property address. called their investor and she could not find my account even under the account number. My concern ; they will charge me yet another late fee, all of their run around has caused me stress as well as financial hardship when charged a late charge as I am now on a fixed income.As it stands now I do not know where I can get someone to help as you can not request customer service rep through their promps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: GA

Complaint narrative:
After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) -EQUIFAX MTG XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has now taken out 2 payments that I did not authorize did not make and when asked for proof that said they can take money out of my bank account refused to provide me with that

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
My student loan service provider is EdFinancial, and I called them on XX/XX/22 to receive a refund for {$7800.00} from payments that I made during the pandemic. I asked them how long it would take for the refund to be processed, and they were not able to give me an answer. Other providers have been able to inform their callers about a 30 day wait, but EdFinancial has notoriously been telling their callers 150 days. When I called, they did not give me an answer at all. The representative said that theyve been advised to not give an estimate. This is unacceptable in comparison to other providers. I also asked for a confirmation code or receipt that my request was submitted, and she said that they could not give me one. Now I am completely in limbo and all I have to go off of is other peoples poor experiences, which was them being told 150 days. There is no reason why a refund should take so long, especially since the wait now prolongs my application for the new debt relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 15 USC 1681 section 602 A, 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 without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: CT

Complaint narrative:
I filed fraud claim n XXXX XXXX XXXX  provided police report and XXXX  promised to issue me a check for the full amount that was used because of fraud charges which I never received.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In accordance with the FairCredit Reporting Act. Synchrony Financial has violated my rights. Under 15USC1681 section602 states i have the right to privacy. 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on credit card account under an open installment plan as late.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XX/XX/2021 {$27000.00}. I have tried calling and writing the company since i seen this reported.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim.of identity theft, victim of scam and catfish. I have a page called Truly Crimes if you need more evidence. I have tried to contact the Experian beauru but they arent taking full actions of this. I never lived anywhere but in New Jersey my entire life. I see its in other states my information and no actions are being handled about it. Even my name is wrong, I was going by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ssn ), XXXX XXXX, XXXX XXXX. No other names but yet I see other names in Experian. Idk if other beaurus are the same way but I am not going to fall to blame for someone elses mishaps but my own. I would kindly like this taken care of. I dont like in Florida XXXX Oklahoma XXXX ILLINOIS, Georgia, PA, XXXX or IL. Again. I LIVED in New Jersey my entire life. I already filed this already but no actions are taken. Im ready to process a lawsuit if this isnt handled by any beaurus.

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 2022-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I have sent a cease-and-desist notice on XXXX an affidavit of truth on XXXX notarized I have allowed 45 days to reply have not received any document I have requested they are unable to provided sufficient evidence that the alleged debt is owed and where the loan originated from, they have ignored my affidavit and have not responded to affidavit or invoice due XXXX as of XX/XX/17 I'm sending an notice of default and opportunity to cure if no response I have no chose but to file suit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Data and Contact Management Solutions, LLC
State: ME

Complaint narrative:
My brother passed away and he was billed for medical services that I am disputing. He was hospitalized and I believe Medicare should have paid the bill. I have submitted an appeal to Medicare so this can be re-evaluated for a possible coding error. 

I have been contacted numerous times from DCM Services. I have repeatedly told them I do not legally have access to his assets, and will not be able to file a Small Claims Affidavit until the end of XXXX, in accordance with Arizona law. I sent them a letter explaining this, along with copies of the letters I sent to Medicare and the treating doctor 's billing company. 

I also told her not to call me unless DCM Services became aware of a change in the status of this debt. I continue to receive calls from them, even though they do not have any updates or new information to inform me of. I speak with the same customer service contact- XXXX. She repeatedly says my name incorrectly and also does the same with my deceased brother 's name, in spite of my correcting her numerous times. I'm tired of being called after I have explained I will make sure they get paid if I learn it is a legitimate bill. However, I won't know if I will get legal approval until it goes through the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all XXXX credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
After reviewing my credit report for any fraudulent activity, unknown or unauthorized by me. I discovered inquiries on my account that were fraudulent, and I want to move forward into to disputing them. So therefore, I contacted all 3 credit bureaus to open a dispute. This is the list of fraudulent inquiries and the inquiry dates : XXXX XXXX ( XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
at XXXX XXXX  on XX/XX/2022 I called the customer service for Great Lakes loan servicing ( XXXX ) from my cell phone because I want to consolidate my FFELP loans owned by XXXX to federal direct consolidated loans. I had questions because I wanted to choose Great Lakes to service my loans once they are consolidated. The customer service woman was rude and impatient, and after a few moments where I tried to explain and clarify while referencing the info I'd gotten from student aid.gov, she hung up on me without answering my questions. ( Which has made me re-think choosing them as a servicer -- I will now take my business somewhere else. )

Company response to consumer: Closed with explanation