vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 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: MN

Complaint narrative:
I am disputing the following non-XX/XX/XXXX Inquiries on my credit report -- -- -- ( XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/tjxDc Inquiry from XX/XX/2021 ) - ( XXXX XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/XXXX Inquiry from XX/XX/2021 ) - ( XXXX Inquiry from XX/XX/2021 ) -- -- Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.

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 2021-10-25 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: VA

Complaint narrative:
My cousin had stolen my credit card and left me responsisle for the balances and for the damage done on cards history. Because of thhis, one of my cards charged off and the other card showed deenquent past due payments which XXXX  XXXX said they would correct. i have pressed ful charges against my cousin but since he has moved out of the country it is difficult to bring him here for face charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Convergent sent a notice of collection for debt with XXXX XXXX XXXX XXXX for over XXXX in which I have never done business with. I asked them for an original contract with my signature and they could not produce any documents. I asked them to provide any evidence showing amounts service etc. they did not provide. This company is illegally targeting and trying to collect debts not owed. I have also contacted the CFPB and an attorney to resolve this debt scam immediately. They are aggressive attempting to collect on the debt that is not mine in first place. I contacted Them as soon as I saw this collection on my credit report. They could NOT find any negative accounts in my name.. I still have my phone active and in current status with them I disputed this collection with convergent, the dispute was within 30 days of them notifying me and posting this collection on my credit report. Per Fair collections practices act I disputed this account within statutes of limitations and they should have removed it form my credit report immediately, but they ignored all of my letters and keep aggressively calling me on my cell, house, work and now at my parents house this is outrageous and should not be allowed. please help me stop these calls. I am also filing an official complaint with FTC I spoke with a representative who took all the information and I have sent all supporting documentation and recorded phone calls with threats and harrasments and their agents acting as law inforcement!!! Please cease and desist unverified collection account. And delete all false information 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 2021-10-25 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: AES/PHEAA
State: NC

Complaint narrative:
Fedloan Servicing does not keep up to date accurate records for accounts serviced. I sent Fedloan a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX does not keep up to date accurate records for accounts serviced. I sent XXXX a letter to exercise quite verify balance and accounting information. I requested the original contract with signatures and they had 30 days to reply. I have not received any documents from the services with original contract. The amount that is being reported to the credit bureaus in inaccurate and larger than the original loan. Also they are reporting multiple late payments that are inaccurate. Please assist in remedying the situation. Per fcra the information reported should be accurate or deleted.

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 2021-10-25 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
there has been a number of " hard inquiries '' on my report were not subbmited by me and i need assistance in removing them.

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 2021-10-25 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
there has been a number of " hard inquiries '' on my report were not subbmited by me and i need assistance in removing them.

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 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I found a complaint, number XXXX against Shellpoint Mortgage Company . I am currently in an active bankruptcy paying the bankruptcy trustee as well as paying the mortgage company. I had received several statements stating that I was {$15000.00} behind in my mortgage and all having different amounts of what my monthly payment was. I had acknowledged that I missed a payment in XX/XX/XXXX when I paid the Trustee twice in one month and that I was short payment amounts because Shellpoint had sent me the wrong payment amounts on their statements. When I called them to clarify, I was told to pay what was on the statement. Found out later that the Bankruptcy Department is the only department in Shellpoint that has the accurate information regarding my mortgage payment amount. No other department has access to my Bankruptcy file. If I call the general number I get transferred to Lost Mitigation as if I am not in Bankruptcy protection. 
Shellpoints response to my Claim to the CFPB, was an explanation of why I had received different payment notices but not why the statements kept showing I was behind XXXX. I have several recorded conversations where I have called the Bankruptcy Department about the XXXX and I has been told multiple times to ignore that notice. It is generated outside of the BK Department. After I received the response from Shellpoint regarding the CFPB, I called the BK Department and they clarified that I was not XXXX behind but {$3200.00} because if the missed payment in XX/XX/XXXX and being short on two payments due to being send the wrong statement amount. 

On XX/XX/XXXX, A notice from the Bankruptcy court that I have a hearing on XX/XX/XXXX where Shellpoint is requesting the stay of bankruptcy to be removed and that I owed {$15000.00}. When I called Shellpoint I got the Los Mitigation department and they stated that they have not received a payment from me since XX/XX/XXXX and I have enclosed my bank statement showing all of my statements to them since XX/XX/XXXX to Shellpoint and then I have all of my bank statements from XX/XX/XXXX that I can send upon request. 
I believe ever since that I gave notification that I would miss two payments because of Covid in XX/XX/XXXX, that I have since paid back, Ive been dual tracked. I have been in a Loss Mitigation as well as Bankruptcy. If I call Shellpoint right now I am going to be sent to the Lost Mitigation Department and not the Bankruptcy Department. 
Also, I was told by bankruptcy that Shellpoint Lost Mitigations are charging me fees that they should not because I am in Bankruptcy and not in Lost Mitigation. Theses fees have exponentially increased my escrow account. I want this investigated. 
Dual tracking is illegal and I have proof that I am not XXXX behind. I need this investigated ASAP.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX D.W.I. misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX Littering and open container misdemeanor XXXX XXXX XXXX ( not me ) XX/XX/XXXX D.W.I. XXXX XXXX XXXX ( not me )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: NJ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Where is my refund check in the amount of {$1400.00} ; see my initial complaint CFPB # XXXX. I do not owe XXXX XXXX or XXXX Credit Card ( i.e., " Citi '' ) any money! 

I made one purchase XX/XX/2021 for a XXXX washer and dryer ; however, installation is incomplete, there are missing parts, there is no warranty. 

I disputed the bill with XXXX XXXX and XXXX Credit Card, immediately, due to no installation XX/XX/2021, missing parts, no warranty. The dispute was ignored by Ms. XXXX. I followed up to dispute the bill, again, XX/XX/2021 to initiate the process. XXXX Credit Card finally sent a letter to me dated XX/XX/2021 to grant the credit for the entire amount of the purchase {$1500.00} and reverse all charges and/or late fees as XXXX Credit Card continued to bill me during the 'billing dispute ' and negatively report on my credit to all three credit agencies! But, not one invoice reflects the 'credit ' and reversals of charges and fees! Neither have I received my refund check! Where is my refund check for {$1400.00}?

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 2021-10-25 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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
For my mortgage account : XXXX the site actions do not correspond to how Freedom actually processes their payment.

When paying one time or a recurring the customer is given an option to apply an additional sum towards principal ( Identified as " $ Additional Principal '' OR " Principal Only '' ). Despite this option Freedom actually recoups interest from these payments. 

For example : Last payment due : XXXX Principal, XXXX Interest, XXXX Escrow. 
Paying an additional {$100.00} following prompts for paying towards principal only resulted in this : XXXX Principal, XXXX Interest, XXXX Escrow. 
So my {$100.00} additional payment to only principal is applying {$97.00}. 

Seeing as this is an extremely difficult issue for the customer to actually identify I have no doubt that Freedom is exploiting thousands of customers with this shady business tactic.

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 2021-10-25 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: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I contacted Remitly regarding money in the amount of {$3000.00} that was sent to a XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX and they tell me they will not refund my money even though it was a fraudulent transfer, however it is their policy to get ID information and contact information from the person receiving the money. My bank has been notified and is conducting an investigation into this matter. XXXX XXXX XXXX stole from me and my company and I want him held accountably and charges filed against him!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stone Higgs & Drexler
State: MS

Complaint narrative:
On XX/XX/XXXX I received a letter from my employer stating my wages will be garnished by XXXX XXXX financial for a vehicle loan from about 7 years ago ( sometime min/late XXXX ). I didn't receive any correspondence from XXXX XXXX XXXX nor did I have a chance to fix this with them. The vehicle was picked up by XXXX XXXX XXXX  after I called them and told them to pick it up due to ongoing transmission problems the vehicle had since purchase. From the beginning I brought the vehicle to their maintenance shop at the dealership at least once a week for the first 30 days of owning the vehicle, and the issue was never fixed. I was in communication with them constantly up until I told them to pick up the vehicle in the early XXXX. They also want me to pay the full amount owed instead of amount minus what they made on reselling the vehicle, resulting in XXXX XXXX financial attempting to collect an amount higher than required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Our XXXX XXXX has been wiring money to XXXX and XXXX XXXX since XX/XX/XXXX. This has been done through my account with XXXX XXXX. In the past year, XXXX XXXX began placing our transactions on hold until I answered many questions to prove I had a legitimate purpose for these transactions. This happened on three consecutive transactions, and then I was able to continue these transfers without interruption for several months. Now, suddenly, my transactions are being denied altogether, and I have been unsuccessful in even discussing the situation with someone at XXXX XXXX, let alone receiving any communication from them as to the reason. I was given an email address at XXXX XXXX to forward my complaint to, but it has now been two weeks since they confirmed receipt of my email and nothing has happened. 

I provided them with our IRS letter of determination and a description of what our ministry does. There are churches in XXXX that are dependent on our contributions for both living and worshipping. 

Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXXXXXX XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2006 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. The following personal information is incorrect Account Number : Employers : XXXX 7. I never gave written permission for this account to be on my consumer report XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681 8. The following account is not mine XXXX Account Number : XXXX This is not mine. 
9. Date last active is inaccurate and the account is not reporting to XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account. do not update. This account is not in compliance with 15 USC 1681

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