vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
" Borrower '' communicated to " Shellpoint '' in a XX/XX/XXXX, " CFPB '' complaint, ... if you look back at the data you will see the skipped payments you mentioned were made on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX for XX/XX/XXXX. A review of the attached spreadsheet will show, under Insurance Premium Disbursements, duplicate PMI payments made on XX/XX/XXXX for the XX/XX/XXXX and XX/XX/XXXX payment installments. 

" Shellpoint '' never responded or corrected the PMI payments on " Account. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26 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:
I went to the dealership to try and apply for a car and was denied due to the unauthorized inquiry on my report I was unaware of that i listed below. 

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 2022-05-26 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
in accordance with the fair credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this is the 10 or 11th times attempting to fix this problem with Equifax. Theyre double reporting a fraudulent collection to my credit file for the 3rd time. Each time I dispute it they open a brand new identical collection account to my file with a new date of the date I filed the dispute. They reufse to fix this and have destroyed my credit. I am attaching the screen shot from today 's alert letting me know its on my file again. Ive also faxed them a police report which I have also faxed to CFPB and they keep telling me they dont have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-26 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:
XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was XXXX  in my reports with XXXX, XXXX and TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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:
XXXX FIN XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; are reporting on my personal credit file also the inaccurate name and addresses : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 was found in my reports with XXXX, Equifax and XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: GA

Complaint narrative:
ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX XXXX REGIONS LOAN AND FRAUD XXXX XXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: AL

Complaint narrative:
I had to switch banks when my oringal account was hacked, which I informed them of. I told at least 6 diffrent agents that once I was able to open a new account I would forward on the new account infromation. I have also asked for a new contract stating the payment scheulde and on what day the money will be taken out of the account. They have refused to email or mail me anything to sign. Instead they just call my place of work and home phone severl times a day. I have no issue paying the loan off, I simply want something in writting to keep them from going into my account whenever they chosse to take out whatever amount they feel like. I have asked over and over again for new agreement in witting, which they are refusing to give me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am an authorized user on an American Express card and a XXXX XXXX American Express card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and XXXX reports. American Express was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and XXXX, they are stating that they have never received the information from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and Experian reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and Experian, they are stating that they have never received the information from 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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have filed several disputes with the Care Credit and they refuse to honor my dispute for a charge nor investigate it further due to the dentist claiming he provided the services although I'm saying he did not render services. I am currently in the process of an open investigation with XXXX against the dentist and have asked them to hold off payment until it is resolved, which they have refused to do as well as review submitted documentation again.

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 2022-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
On XX/XX/2016, Shellpoint enacted a foreclosure on " Borrower '' property. 

The foreclosure was rescinded without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Opened the account XX/XX/XXXX. On XX/XX/XXXX I paid XXXX to Comedity Bank/Victorias Secret . The payment was processed on XXXX XXXX. On XX/XX/XXXX I received a secure message stating my credit limit was being reduced to {$100.00} from {$200.00}. I called and asked why and she said because i was late on payments last year. I told her i havent been late and kept a low balance since XXXX.she agreed. On XX/XX/XXXX XXXX  reported they dropped my limited and reported i had a balance of {$44.00}. This dropped my score. Is this legal because im building my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-26 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: GA

Complaint narrative:
ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX FXXXX XXXX XXXXXXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER 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 2022-05-26 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: SC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-26 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, Bankruptcy Account # XXXX, has violated my rights. 

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

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 2022-05-26 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: NC

Complaint narrative:
I went to to a auto dealer ship to find a new car, I found one I liked and was asked to step in a office with a sales representative. I told the rep. that my scores were only fair and that if he had to pull my credit more than once or twice then it would be best if I just waited until I was in a better position with scores. He told me he was sure he could get me done first try with their bank that was not true. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX IN, 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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I filed the police report against fraudulent activity on credit card, the police report was filed on XX/XX/2022 and I received the official copy on XX/XX/2022, I called your fraud department and left a voicemail at the phone number XXXX, but I haven't heard back.

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 2022-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
on XX/XX/XXXX, I was made aware that my student loan had incorrectly been sent to collections. Not only that, but my student loans repayment plan had incorrectly kicked in ( while I was still in school, full time ). The only reason I found out was because I graduated on XX/XX/XXXX and I wanted to inquire about my repayment, since I was sure this would be coming soon. 

Shortly after I was informed that my loan had been sent to collections, I also learned that my credit score, along with my co-signer 's had been negatively impacted. Thinking this is unacceptable, I attempted to fix this by calling College Ave. During my first call, the clerk said " I hope we can take your account out of collections, since you being in school is definitely grounds for not having to start repayment ''. She gave me the email address to send all my documentation. I sent this the same day. Proof of enrollment all through XXXX, and then my graduation date. 

I called again today, and XXXX XXXX said there's nothing they could do for me. That the account was now on track to collections, and that this is now my issue to solve. Well, I think it very well is College Ave 's responsibility to ensure my account is taken out of collections, and that a proper repayment plan is instituted. At this point, due to the damages this caused to both my and my co-signer 's credit, I'm also asking for some sort of compensation. 

I let XXXX know that if I don't hear back from her supervisor by XXXX XX/XX/XXXX, I will be contacting my attorney, and pursuing legal action. It's just unbelievable that a company this size does not have the decency to correct a wrong quickly and effectively. 

Extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: OH

Complaint narrative:
in accordance with the fair credit reporting act XXXX  account reference # XXXX bankruptcy, has violated my rights. 

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 an account without my written instructions. 

the bankruptcy court did not furnish this information to 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