vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to XXXX, Equifax, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent several letters asking to remove the incorrect names and addresses on my credit report. First, I don't know how the information was provided because I dont have accounts of anything on my report I have NEVER lived at the addresses provided on the reports. Please be advised I have sent 5 letters at 5 different times asking to send a revised reports with the correct information on it. 
I have sent letters to Experian, XXXX, and XXXX  on XXXX Please address the the bureaus any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} Please help me and advise how to proceed.

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 2020-11-06 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: DISCOVER BANK
State: NY

Complaint narrative:
I called Discover about a ghost transaction that was not showing up on my credit card statement as Pending or Posted, but was showing a transaction on Discover 's end. The amount was for {$80.00} and so I spoke to XXXX from Utah Call Center at approximately XXXX on XXXX and I explained what happened after I got a declination from Discover. I informed her, that while I do keep track of my charges, I was not going to keep an XXXX spreadsheet of miscellaneous and unplanned charges due to the fact that it was a credit card and not a debit card. I have a Pdf for the CFPB if there is a way to upload the printed and scanned documents to show the discrepancies in the account balances. It was not an XXXX issue, as they will not ship the items until the billing was approved by a credit or debit instrument- it was and is Discover 's fault for the declination of {$61.00}, because as I said, I was not going to go through both systems to see which transactions were listed on each account when I know that XXXX will not ship an item unless the item was paid for using either method.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I pay my bill every month, but Citi will still charge me interest. I've already had the charge refunded twice, but they still continue to charge me.

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
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Mortgage debt
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:
Mortgage servicers engaged in real estate mortgage backed securities fraud. 
This complaint is a request for competent documentation on all dates of endorsements of the original note, and all assignments of mortgages recorded or unrecorded that were created by loan servicers from date of mortgage to date of this complaint. 

Please see attached assignment of mortgage ( exhibit B ) which is dated and notarized on XX/XX/XXXX which states ( assignor ) XXXX XXXX XXXX XXXX by its attorney in fact XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX. 

( Assignee ) XXXX XXXX  XXXX XXXX XXXX, as XXXX XXXX  XXXX XXXX XXXX XXXX Mortgage Asset backed pass-through certificates, series XXXX QA2 c/o XXXX XXXX XXXX XXXX XXXX 



Shellpoint that is claiming servicing rights needs to explain ( exhibit B ) assignment of mortgage.

Shellpoint needs to respond to my qualified written dispute letter ( Exhibit c ) in response to their validation of debt notice dated XX/XX/XXXX ( exhibit A ) received XX/XX/XXXX. 



Shellpoint Is engaging in mortgage backed securities fraud which is a federal crime and needs to be investigated. Will be reported to the securities and exchange commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. XXXX  XXXX  2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report 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 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/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 2020-11-06 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: OH

Complaint narrative:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/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 2020-11-06 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: Nelnet, Inc.
State: OH

Complaint narrative:
The loan amount and PAYMENT HISTORY on this account is inaccurate needs to be corrected. Please provide method of verification for late payments and validation of debt with the original instrument of indebtedness or remove from my credit report. 

US Dept of ED/GLELSI # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and 3. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report 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 2020-11-06 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: Experian Information Solutions Inc.
State: VI

Complaint narrative:
There are 3 deragatories charged off accounts reporting on my most recent credit report which is 1. The XXXX 2. XXXX and XXXX. XXXX XXXX  XXXX. Upon challenging the validity of these accounts, XXXX credit bureau has deleted all 3 of these derogatory Items based on the lack of ability to verify all reported information as being accurate. I noticed that as a result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditors reports the same information to all credit bureaus as expected under FCRA. If this is true, I am hereby requesting the information you used to verify these accounts in writing. If such documents can not be produced, please DELETE these accounts from my credit report 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 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In. XX/XX/2019 my car was repo and should not have I provided to creditor that 2 payments had been deferred and that made me current only behind 10 days once they seen the mistakes and asked me to pay a percentage of fee of repo and I explained I was not at fault that they made mistakes cause they could not read notes on account To begin with it was a wrecked car and a flood. Damage vehicle and mildew I let dealer ship know they refused to help I notified bank they told me I would hear from the correct department they were also notified of the car lot only reported some of down payment not all and were altering documents to get loans pushed through once I was aware. I let it be known I did not pay my first payment cause I new it would default and they would have to close loan and refund me instead dealer ship paid it and I notified field bank that was in the notes and still nothing the car was fraudulent by XXXX XXXX XXXX and the sales man harassed me and it was brought forward so the marketing man over that area started changing notes on my accounts and I have proof

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 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I withdrew a {$100.00} from Bank of America atm my balance in my BofA checking account which I receive my CA State XXXX payments was {$4300.00}. There were two online debits I made one for {$25.00} to XXXX XXXX XXXX and another for {$100.00} to XXXX  prior to my account being frozen. On XX/XX/2020 I went to Bank of America atm to withdraw funds and the machine kept rejecting my card I called customer service at XXXX on the back of my atm debit card to inquire why my atm card kept getting rejected I was advised by Bank of America customer service that EDD notofied them to close my EDD account due to fraud and the representative said I needed to contact EDD. Once I hung up the phone with BofA customer service I immediately contacted EDD it became a arduous task neither company was willing to work with me on why my account was closed due to fraud. On XX/XX/2020 my BofA debit card was unfrozen and I was missing {$2600.00}. I've made multiple calls, filed multiple claims neither agency was concerned about my dilema which involved my missing funds. I walked into the BofA branch office on XX/XX/2020 @ XXXX XXXX and spoke to the Assistant Vice President XXXX XXXX XXXX XXXX who stated their was nothing he could do. At this point from the closure of my BofA account on XX/XX/2020 to current I still haven't received my missing funds of {$2600.00} this has been a nightmare and hardship for me and my XXXX year old son while I'm XXXX. That's my only source of income to pay my rent. I pray I can get help regarding this matter it's already been prolonged enough and I feel like I shouldn't have to fight for my own money.

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 2020-11-06 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: OH

Complaint narrative:
TransUnion is reporting I have 7 collection accounts listed in the Account Summary on credit report and reviewing the Collection Account Sections there are not NO accounts displayed, please correct my credit report as this is bring down my credit score. 

Please see pictures showing the Account Summary and Collection Account Section.

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 2020-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My Name XXXX XXXX. My Credit Card Wayfaire Store Changed Bank For Comenity Without My knowledge. Payment Auto From My Bank usually on Due date come no problem. But recevied Statments from New Comenity Credit Card XXXX $ Late Fee, and i think any Froud account and call Service Representative for Explanations XX/XX/2020. 
She Not explain about Name Card Change and of course im close card like not Recognized. 
Im Calling 2 Days Later and gentlemen Nicely explain about Card Name Changes, And about My 6 hour late payment. and promised to reverse XXXX $ fee, but unfortanatly account closed with Dont Care Previosly Service Representative. Of course after 1 Month XXXX $ Become to XXXX . And menager from Card, Not agree with my 3 reasons to waived Fee. 1/ Card Change name and Confuse Client 2/ One Representative # 1 Not Work Friendly and Professional ( Mention about 1 time waived late fee alredy 13 month Ago with Old Name Card ) But # 2 Another One Try to Help, but Credit Card Closed Already with Bed Represantative # 1 3/Menager XX/XX/2020 also my aprouch with this situation no accept and compromise to reopen card and keep relationship Ignore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
When I opened a line of credit account they opened portfolio account without my request. When I asked they false information such as it is required for my line of credit account.I have requested a couple of times and each time they tried to scare me from closing the account. Now they are charging me {$30.00} each month.

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
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I'm not aware of this debt and did not have the opportunity to dispute. Also, please provide the method of verification, validation of debt, assignment of debt with CEO signature, and certified mail with receipt. 

Please have this account remove ASAP as this a violation of Fair Credit Act. 

NATIONAL CREDIT ADJUST # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Home Loan has been taking unauthorized money out of my Home Equity Loan account # XXXX. I had opened a case with CFPB # XXXX which resulted in BofA correcting my account which reached a good state on XX/XX/2020 and now the unauthorized process of taking money out of my account has started again. I have neither taken this money our nor authorized it and as of today my balance is XXXX instead of XXXX. Customer service is not reachable and my emails haven't produced results. I really don't know if this is fraud or pure incompetence at the bank. I need help correcting this. It should be illegal for BofA to take money out of my account unauthorized and they should have consequences.

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 2020-11-06 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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:
My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.

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