vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account  in dispute are listed below XXXX XXXX XXXX  I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-10-08 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: CA

Complaint narrative:
I BEEN TRYING TO DISPUTE ACCOUNT - XXXX XXXX  - XXXX FROM TRANSUNION, ONLY TRANSUNION HAS REPORTED THIS ACCOUNT ON MY REPORT, THIS ACCOUNT IS RESULT OF FRAUD ACTIONS ON MY BEHALF. PLEASE HELP ME TO COMMUNICATE WITH TRANSUNION AND REMOVE THIS NEGATIVE ACCOUNT FROM MY REPORT, IT HURTS ME EMOTIONALY ALREADY

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 2020-10-08 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY 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 explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
I was in the refinance process with another Lender in early XX/XX/2020, and LoanDepot provided me with a better deal and I decided to go through the process with them and applied on XX/XX/XXXX. I sent the other lender 's appraisal report to LoanDepot, so they were at all times aware that the property I was refinancing was in a large, 150+ unit condo building -- a fact that is also evident from my apartment number.

Originally, I was told that the refinance would close in around 30 days. That date dragged. In the meantime, I provided LoanDepot  with all of the information they needed at all times. 

Starting in XXXX, LoanDepot representatives stopped providing me updates, and it felt like I needed to move the process along. Eventually, LoanDepot representatives stopped responding to my emails and phone calls. 

After the 60-day rate lock expired, and after I sent emails to everyone at LoanDepot whose email I had threatening to contact regulators, LoanDepot told me that, as it turns out, they can not refinance properties in condominium units with more than nine units. 

It is simply not plausible that it took the various representatives and underwriters two months to figure out that my property was in a 9+ unit condominium, given my apartment 's unit number, and the appraisal report that they had for two months. Either LoanDepot is guilty of gross incompetence, or more likely, this is just pretext to get out of closing on the terms to which we had agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 non-monetary relief
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act.  The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of  an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive  marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
This company The Bureaus has yet to show proof of an account that they claim is mine. I believe it was the capital one account i dispute a year ago, which was deleted off my account due to it being an error. This  company the Bureaus is not a law firm/ or stating litigation. They are simply just trying to get money out of me with no proof of signature regarding an old incorrect issue on my credit reports. They need to delete this negative incorrect information for XXXX dollars off my account as this is not mine nor do i owe this money. This wrong information was settled last year when it was deleted. I sent them a certified letter via mail more than 30 days ago to stop harassment and to delete. However it is still on all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
When I first noticed this account on my credit profile with the credit bureaus, I contacted the original creditor XXXX XXXX XXXX, letting them know this account has been fraudulently opened in my name. This account was removed from my credit profile. 

Almost one year later I am receiving communication from a collection agency Resurgent Capital Services c/o LVNV Funding LLC stating I owe a debt for a credit card account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.

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 2020-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XX/XX/2020

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 2020-10-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage took over this debt around 2017. The debt in questioned a principal balance amount and a Non Interest bearing  amount of approximately $ XXXX. I tried to negotiate a payoff with the holder of the debt XXXX whom Shellpoint would not provide me with the contact information. I dealt with an individual at that time called XXXX XXXX who made me complete a hardship form, against my wishes in order for me to attempt to negotiate a payoff. I wanted to payoff the loan and my reason was not as a result of a hardship. I stressed this over and over again and he said. " If you want to try and do this then you have to fill it out '' I reluctantly did and the following he call and said very curtly that it had been declined without providing me a reason. 

It was then that Shellpoint began harassing me accusing me of non payment. In the past 2 1/2 years I began receiving calls from Shellpoint representatives informing me that this is an attempt to collect a debt. On each occasion I have been accused of non payment. 

The problem : My principal balance is not at XXXX cents. I have been making payments on time each and every month yet Shellpoint seem unable to apply my payments. Instead the monies are not applied but are shown on the statement listed as an " Unapplied payment ''. This is when the phone calls begin stating that they are attempting to collect a debt.

I have attempted on countless occasions to resolve what is a payment processing problem by Shellpoint. I have spoken to numerous individuals who have apologized profusely and have promised that they will rectify what they have admitted to me is their
problem. This has never been achieved and every 3 months I begin receiving calls from Shellpoint representatives attempting to collect a debt. I am going to attach the escrow statement that I received from Shellpoint when they last denied my claim to have late fees removed.

During this time Shellpoint have sent people on at least 3 occasions  to the property. A property that my XXXX year old mother lives in. These individual were taking pictures of the home. My mother called me distraught that she was getting thrown out of her home.

I have tried my best to be reasonable with Shellpoint mortgage and after almost 3 years I have given up.

I have attached the escrow account provided to me by Shellpoint showing the numerous occasions where I had to request return of late fees.

I would like to report Shellpoint for harassing myself and my mother for almost 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, IN on Tuesday XX/XX/XXXX. I had an appointment at the dealership to test drive the vehicle and have my trade evaluated. I had quite a bit of positive equity on my trade so I decided to do the deal.

The dealer came back with a 60 month financing approval but I wanted 72 months. The bank then found a lender that would finance my truck on 72 months. Westlake Financial was the company and I am a paid in full customer of theirs. I decided to accept their terms.

I received a welcome call from the finance company about a week and a half after the purchase that covered my payment, due date, etc.

Around the 2 week mark I received a call from the dealer letting me know that Westlake needed additional documentation and more  money for the down payment. Granted I put down over XXXX from the equity of my trade. I told them I wasnt giving them any more money but I would provide the documents.

I called Westlake customer service on Tuesday XX/XX/XXXX to figure out why it has taken 2 weeks to underwrite my loan. The customer service representative was able to transfer me to my actual underwriter. I spoke with her and mentioned my displeasure with the situation. She asked me about a previous car loan that was paid in full, but was still on my credit report. I provided the documentation to the dealer to send to the lender.

I also have some concerns over the payoff of my trade in. I gave the dealer the 10 day payoff which is now expired because the bank it taking forever to underwrite my loan. Totally unacceptable.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.

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 2020-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I have some accounts on my credit report that do not belong to me. Please remove them immediately. I also don't have a bankruptcy in which I have provided them to you from the courts. This needs to be removed as well. I have provided my personal information, and note that I am NOT a credit repair company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I opened a checking account with WSFSI believe I set up for XXXX to be paid automatically out of the account. I end up never using that account never find an account or anything so when it finally came down to it being on my credit I checked everything out and did my research and found out that they are charging me XXXX some odd dollars for a original XXXX fee for XXXX which they overdraft to {$38.00}. Then they overdrafted it 53 more times I believeAnd thats where they came up with the amount that I supposed to owe them. Once you open a account and dont find it for 14-30 days it is usually closed. They intentionally overdrafted me 50+ times Ive had accounts with a few banks and never seen anything like this happen. The account was never active So why would they just keep overdrafting 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 explanation
Consumer complaint received 2020-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
On this data, XX/XX/XXXX, Freedom Mortgage Corporation ( FMC ) refused my payment to bring the account current. I called in and spoke to 3 people, 2 supervisors, XXXX, XXXX XXXX XXXX? ) & XXXX. Each one of them refused my payment outright. I asked repeatedly for them to take and they all denied the request. I am willing, able and eager to bring the account current yet FMC is using revenge tactics to block stifle this account from being accurately processed.

I am still unable to make a payment online. FMC has blocked my online account since XX/XX/XXXX. I tried again this afternoon to get online and was denied access with no explanation or reason as to why they are blocking my access.

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