vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I had a loan that was being serviced by XXXX XXXX. In XX/XX/XXXX they paid XXXX XXXX out of my escrow account {$4400.00}. I secured a new policy with XXXX XXXX in XX/XX/XXXX for {$3700.00}. Since XXXX had paid XXXX, I paid XXXX XXXX Directly and cancelled the XXXX policy who sent the refund to me. I kept the refund from XXXX because I paid XXXX XXXX and knew that it would all balance in the end. XXXX was listed as the Mortgage company on the XXXX XXXX Policy so I assumed that XXXX XXXX sent XXXX a copy. When the XXXX XXXX policy renewed XX/XX/XXXX XXXX XXXX was paid again by drafting my Checking account. 
But XXXX placed force coverage with XXXX XXXX XXXX XXXX from XX/XX/XXXX until they sent the request for the coverage to be cancelled XX/XX/XXXX. We became aware of this when I received a letter from Shellpoint that they have placed force coverage on my home. I called Shellpoint and asked why did not XXXX send over the XXXX XXXX policy when the loan was transferred. They said they did not know but if I have insurance, they will remove the forced place insurance when I send the proof. Which I did XX/XX/XXXX. Then I asked my wife do we have any mail from XXXX she handed me the letters from XXXX requesting the cancellation of lender-placed insurance to XXXX XXXX XXXX. I tried to call XXXX and got a message that said that they are no-longer accepting phone calls since they have sold all their assets. I then called XXXX XXXX XXXX XXXX and after speaking with them I forward all the proof of home coverage to them. They said that they would resend the coverage and send they refund to XXXX. I asked why you would do that ; if they are closed and transferred my loan to Shellpoint Mortgage. They basically said that who placed the insurance and that is who the refund would go to. I called Shellpoint again about this and was told that I had to take it up with XXXX. I tried to explain to them that the letter said they would be able to answer all my questions after XX/XX/XXXX. I have attached a copy of that letter for your records. I am concerned because we are talking about {$3300.00} refund that should go back to my escrow account since it was paid out of my escrow account. I have attached a copy of the last statement from XXXX that shows the escrow account was for taxes and insurance and that they were paying the lender-place coverage each month in the amount of {$330.00}. ( I am attaching a copy of the XX/XX/XXXX statement ). I believe that someone needs to make me whole again.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, Experian and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.

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 2020-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Mortgagor, XXXX XXXX NEW REZ Loan Number XXXX The XXXX mtg statement includes a {$3600.00} in legal fee charges that were already paid when I stopped the Notice of Default and foreclosure proceedings, when I brought my loan current after falling behind on my payments. My account was re-instated and brought current with XXXX, mortgage company at that time. On Thursday the XXXX, it was confirmed by a New Rez customer service agent, the aforementioned charge is due to unpaid legal fees. I find it suspicious that XXXX, in any form or way, failed to informed me of the aforementioned, specially when any fees relating to the default were were paid in full. Is this legal? It is my understanding that I paid all monies owed to XXXX in order to bring my account current. To date, payments have been made on time and there should be no reason to have additional legal fees being charged, when everything was paid in 2018. Why are these fees appearing now? Why would XXXX withhold these fees until the loan was transferred to NEW REZ? I find such actions suspicious and merit an investigation by the bank, on the legality of the charges. I refuse to make these payments. The following documents are attached herein : 1 ) copy of the payoff statement 2 ) mortgage statement. 

Please have a XXXX  speaking agent contact me if additional information is needed. Or you can reach me via email Mr. XXXX can be reached at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have a Smart Access checking account with PNC Bank. The account number is XXXX. 
Unfortunately, PNC, habitually refuses to follow Federal, State, and their own guidelines in handling my account. 
Approximately three weeks ago I reviewed my statement and there were multiple debits from vendors I had never heard of. 
Typically when this occurs I ask the Bank for a contact number for the vendor as it is typically more expeditious to contact the vendor directly and advise them the particular charge was unauthorized and the vendor contact the Bank. 
On this occasion I was told by PNC 's charge authorization department they were unable to notify me of any contact information regarding the multiple vendors and multiple unauthorized debits, but I would receive documentation for me to sign within 48 hours and a replacement VISA Debit card within 14 days. 
It has been over three weeks and I have received nothing from PNC and when I review my account on line there is a negative balance still reflected because of all the unauthorized transactions! This in and of itself negatively effects my credit worthiness as if I were to go to a different financial institution to open a checking account without all the chronic problems I have had with PNC, the fact that they are reporting a negative balance on unauthorized transactions which the Bank has known about for greater than 3 weeks prevents me from switching to an institution that does not chronically violate Federal and State law, and also their own written rules issued when I opened the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-04-30 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-04-30 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:
i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX  and Equifax. XXXX  is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with Experian and XXXX. Experian is still looking into it at the time. However, XXXX  refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for 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 2020-04-30 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: Trident Asset Management, L.L.C.
State: IL

Complaint narrative:
On XX/XX/XXXX Trident Asset Management reported a collection account for XXXX without ever notifying me. I called them end of XX/XX/XXXX and they removed the collection from two of the credit reporting agencies leaving it on XXXX. I submitted a dispute through XXXX and they verified the account but have yet to send me notification/validation. I sent the dispute letter through certified mail and regular mail. This is my last attempt to work with them prior to submitting it to my attorney to file suit once the courts resume operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( TransUnion, XXXX and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.

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 2020-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, XXXX and Equifax ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Pick up truck was totaled in XXXX of 2019. Insurance paid vehicle in XXXX XXXXAlly Financial has not updated credit bureau.as of XX/XX/2019. XXXX  says I owe {$10000.00}, XXXX  says {$440.00}, XXXX  says account is closed. Also Ally Financial has submitted negative late payments on credit report. I have also tried to submit a dispute with the credit bureaus but they say the information is correct, which it is not

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 2020-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I had an emergency and went to local ER. They stated it was out of network. It wasnt. It took 2 years to get the bill corrected. They charged me @ XXXX dollars and this was sent to collections. The accurate bill was XXXX dollars and I paid it promptly. The collection company wont remove it from my credit report even though the amount is inaccurate. I have disputed the claim several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I tried to solve this issue with Bank of America in the past but I couldnt get any help. I've called numerous times, sent letters and continue to be told that they see no " fraud '' on the card so they aren't even listening. All I am asking is fairness. This creditor must do what Is fair in my case. I was a victim of fraud back on XX/XX/2017 and I have proof of that. In my last complaint I included the police documents. Ive been trying to fix the big issue that this terrible experience has caused. I had no late payments on either of my credit cards before this happened. Bank of America was not the only company that I had issues with. I was the victim of business fraud which affected my ability to pay my XXXX XXXX account as well as my Bank of America card. The fraud took place in XXXX of 2017. I opened a small store front business and in the process of purchasing equipment I was victim of XXXX  The police department was involved. I have done everything in my power to get the negative payment history removed. It took me about 2 1/2 years to recover to the point of being able to pay my rent each month. In that time period, my Bank of America account became delinquent as I was not aware that this was happening. A look into my credit history shows the time frame of late payments ( a string of 7 late payments ) and the good payments leading up to this time. As soon as I was able, I paid both cards down legally. However, my credit was tanked! Now, I am finding it difficult to get my score where I need it to be in order to move forward. I have already suffered more than 2 years due to this unfortunate event. I began writing my own letters and making my own phone calls. I am still getting nowhere. It actually looks like they did not even investigate the account! According to the three major credit bureaus, the account has not even marked as disputed. These are big violations under the FCRA. I am demanding what its fair. Bank of America must remove the following item of my credit report and provide me a deletion letter for my records. This account is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA : BOA acc # XXXX. Opened XXXX.Limit {$3000.00}. Status : Closed. Balance {$0.00}. This is the last step that I am taking before taking this issue to the next level. If Bank of America denies a deletion letter and the removal of the mentioned account, I will file suit and I am sure that once I talk to my attorneys, the list of violations will go up. This is causing me financial and mental issues. Thanks to whomever reads this

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 2020-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX Discover Bank withdrew {$25.00} dollars out of my XXXX XXXX XXXX XXXX XXXX Account. I did not authorize this withdrawal, Discover has stolen {$25.00} dollars from my XXXX XXXX XXXX XXXX XXXX Checking account. 

If the Online Savings account Ending XXXX is closed with Discover, which I have in writing that the account is closed, why are funds being taken from my XXXX XXXX XXXX XXXX XXXX account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NC

Complaint narrative:
I am a victim of identity theft  and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-04-30 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: MD

Complaint narrative:
I RECENTLY DISPUTE SIX ITEMS WITH EQUIFAX  CREDIT REPROTING AGENCY AND THEY FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE ALLOTED TIME FRAME STIPULATED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: NV

Complaint narrative:
These are not my accounts on 4 submitted reports to the FTC. Additionally, there is a name added that's not mine and most of them exceed 7 years.

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 2020-04-30 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX XXXX XXXX {$33000.00} XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$610.00} DPT EDXXXX XXXX {$180000.00} USDOEXXXX XXXX {$11000.00} XXXX XXXX  XXXX {$990.00} XXXX  XXXX XXXX {$210.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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