vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT - PLEASE READ - THIS IS A NEW COMPLAINT ABOUT A NEW & RECENT ISSUE WITH SPECIFIC INFORMATION SO SHELLPOINT DOES NOT RESPOND WITH A VAGUE AND AMBIGUOUS ANSWER Shellpoint letter dated XX/XX/20 indicates " your mortgage payment that was due on XX/XX/20 is now 17 days past due ''. This is the 3rd letter I received that my mortgage payment was not received. The mortgage payment due for XX/XX/20 was mailed via USPS certified mail with tracking number XXXX and was delivered to an individual on XX/XX/20 at XXXX XXXX. The money orders were issued as follows for XX/XX/20 payment. M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$900.00} and was cashed by Shellpoint on XX/XX/20 M/O # XXXX - {$340.00} and was cashed by Shellpoint on XX/XX/20 I responded to their letter dated XX/XX/20 via USPS certified mail tracking number XXXX and Shellpoint has refused to investigate or respond back to my letter disputing their assertion that my XX/XX/20 payment was not received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: MO

Complaint narrative:
I was contacted on XX/XX/2020 by Allied Collection Services Inc. of Nevada about a XXXX dollar debt owed to XXXX. I have never been a XXXX customer. Their number given to resolve this issue did nothing but try to pry more personal information out of me. I signed up for XXXX immediately after to monitor both this company and the possibility of identity theft. It's great I did because ACSI put this on my credit report on XX/XX/2020 despite the fact that it still isn't my debt. Also, they reported the debt being from XXXX of 2020, which is simply way too soon to put a XXXX dollar debt onto a credit report, even if it was my debt, which, to reiterate, it isn't! 
According to other reports, I'm not the first person they've done this to. They don't even bother to change the fake representing company ( XXXX XXXX. This company, if it's truly making up these debts, needs to have its doors shut. If it's just an unfortunate coincidence brought about by identity theft, their practices are still awful and must be monitored more closely.

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 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: SC

Complaint narrative:
I sent out a verification of debt letter to Lanier collection agency. A third a party collection agency for XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia. While attempting to validate the debt through the collection agency the collections agency had violated hippa. I did not give written or verbal consent for XXXX XXXX XXXX XXXX or authorization to XXXX XXXX XXXX XXXX  to share my personal information what a third party collection Lanier collection agency and services. I did send a letter letting them know that I would contact and make a report and complaint with the federal trade commission. I also placed In the later that I will sue the company for giving out my personal information. They violated hippa laws by disclosing my personal health information to a third-party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 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: FL

Complaint narrative:
Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: FL

Complaint narrative:
Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX card issued by Barclays. Barclays stubbornly refuses to provide the additional XXXX points for {$6000.00} spent within the first year, and only credited the base XXXX based on {$1000.00} spent within 90 days. Barclays reps are poorly equipped to handle and discuss card features much less read the disclosures. Again, the card does not call for aditional {$6000.00} to be spent, instead it merely calls for {$6000.00} net for the year. Client qualified for XXXX points, double the XXXX points he was awarded.

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 2020-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX we logged into our NelNet account to change our password as our accounts had been compromised by a hacker. Normally, we make large lump sum payments on our student loans as we are healthcare professionals and often times the hospitals assist with our repayment. Therefore, the due date is always changing. Upon inspection of our account we found that our interest rate had increased to 3.5 % from 2.05 % because of a delinquent payment. Their office was contacted on XX/XX/20 with which we spoke to XXXX a customer service representative. She reported that she would send an email to leadership/incentive department regarding retracting the interest rate. On XX/XX/20 we were contacted by XXXX ; a resolution specialist whom then indicated that statements, phone calls and emails had been sent to our address on file however, the mail was returned because they had the wrong address. I then proceeded to ask regarding the phone calls and if there were any voicemails left. XXXX stated the computer had attempted to contact us 3 times but, did not leave a message. I then asked XXXX how are we able to respond if your computer does not leave a message and your company has the wrong address. He did not have an answer to that question ; just simply stated that NelNet was unable to reinstate our initial interest rate secondary to delinquency on our part not NelNet 's part. I proceeded to ask for his manager and he responded that he would have to email leadership and he/she would be contacting us however, it is unlikely that anything can be done. I asked XXXX to elevate the complaint and if he could contact the lender XXXX to see if they are willing to reinstated the initial interest rate. He stated that he is not allowed to contact XXXX but would be happy to escalate the issue. Today XX/XX/20 I contacted XXXX and spoke with XXXX ; she too reported she would have to research this issue and get back to me on Monday. This is a very frustrating and time consuming experience. We are both XXXX XXXX XXXX  workers and this loan is a XXXX  loan that is used to gain the XXXX  needed to XXXX  XXXX  XXXX. We are very disappointed that NelNet and XXXX would do this during such a crisis time and foremost, during a time when the healthcare community has taken not only a financial hit but a XXXX  health hit as well. If this is how front line workers are treated by these companies during a pandemic ; I would hate to see how we are treated on a normal everyday basis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2020-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
I am filing this complaint against DMI who currently subservices my FHA mortgage on behalf of XXXX XXXX  XXXX XXXX XXXX. 

I applied for Covid related forbearance in XXXX of 2020 and was granted a three month forbearance plan. When my initial forbearance expired, I made my XXXX and XXXX payments. I then applied for a second forbearance period as I was still experiencing financial difficulties directly related to Covid. I never received confirmation that this request was granted but I assumed it was when I did not receive calls or mail from XXXX when I did not make the next few payments. Finally in XXXX, I received a letter from XXXX saying my forbearance period would soon be coming to an end. The letter did not say the exact date it would end because I was still struggling with Covid related financial difficulties, I applied for an extension to my forbearance ( that I never truly knew I had until receiving the letter saying it was coming to an end ). Once again, I never received anything from XXXX approving or denying this extension so I assumed like the previous that it was granted. Now today I receive notification from XXXX XXXX  that XXXX has reported my mortgage account as +30 days to the credit bureaus. 

My complaint is that, other than my initial approval and the two letters I received saying my forbearance was coming to an end ( one in XXXX and one in XXXX XXXX, I had no way of knowing the true status of my account. XXXX 's website does not tell me if I am in forbearance. The Loan Solutions website I was directed to in order to make my request does not tell me the status of my request. XXXX has only once, in relation to my first request, sent me anything acknowledging my request and confirming if it was approved or denied. Now they have reported me late??? I have asked XXXX directly and through a previous complaint to communicate with me via postal mail and have received nothing meaningful. As one of the country 's largest mortgage servicers I would have expected them to be better prepared to handle a situation such as what the country is experiencing but unfortunately, the customer service experience I have received has been horrific and now damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Very early on the morning of Thursday, XXXX XXXX, 2020, I awoke to an alert that has been sent at XXXX XXXX from Experian, explaining that a hard inquiry had been registered on my credit report. Since I had not made this inquiry myself, I contacted Experian to contest the hard inquiry. I was further advised to file this report with 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 2020-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over a month ago, my debit card was expired and the Capital One Bank called in and helped me to order a new one, but that one never arrived. Because of the Covid-19, the mailing system was corrupted, that's why I didn't really pay attention to it. A month ago, I checked the Capital One Bank App on my phone, and told me now I owe {$8600.00}, and I used to have a XXXX  dollars in the account. I didn't know what to do, so I visited Capital One branches for help for two days, but no one was willing to help. I saw the bank transactions, the fraud deposited 2 checks, total of XXXX XXXX dollars, then he took it out, and got the check reversed, that's how I owe {$8600.00}. He got my " lost debit card '' and doing withdrawal from ATM. They are experts. They also access to my banking account to make it seems normal. However, on the days, I was working, my boss can provide the evidence and I haven't check on that account for months. The bank didn't even check on the cameras. I don't really know how they did their investigation. So I went to the police to report, but the police said the bank needs to provide fraud affidavit form, then they can start investigation. Then I started to call the bank, they said they would investigate, then they just leave it alone and closed the case. 
I I keep calling the bank about two weeks already. I asked to speak to the manager, and they won't transfer, and telling me the rules of their bank. I really don't know what to do now. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: MN

Complaint narrative:
On XX/XX/2020 I was notified by XXXX XXXX that I owed them approximately {$7600.00}, and was advised to take out a private loan so I could receive my degree ( as I am graduating ). I have borrowed from Sallie Mae in the past, and had received an email from them on XX/XX/2020 stating " You're already qualified for your next student loan '' with a code to enter on their website. Upon completing the application process with the code provided, I was denied unless I had a " credit worthy cosigner '' ( despite my personal credit score being XXXX ). I started a live chat with a Sallie Mae representative about my specific circumstances which prevent me from getting a cosigner ( estranged from parents, not knowing anyone else to ask ) and instead of being given any meaningful resources to help, the chat representative repeatedly just told me to get a cosigner. Any attempt to further self advocate was met with those repeated messages. It is incredibly misleading to tell a customer that they are already qualified for a loan, only to deny them after applying despite the implications that the customer/borrower is pre-approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-12-18 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: TN

Complaint narrative:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors

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