vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Re : Shellpoint Mortgage Servicing ( XXXX ) To Whom It May Concern : Due to the Coronavirus pandemic, I have not been able to work. As a result I am facing tremendous financial difficulties and unable to meet my financial obligations. 

I have expressed my financial issues with Shellpoint who is the mortgage servicing for home. To date, Shellpoint has postponed the monthly payment for three months. However, I have been advised that I would have to resume payment after three months and pay a one time payment for the outstanding balance. This is unaffordable and I would not be able to make this payment. Shellpoint has refused to provide me an affordable payment option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I've worked really hard over the past year to clear up my debts and improve my credit scores with XXXX XXXX, and Transunion. Apparently, they don't respond in kind on their end. It's been extremely difficult trying to make contact with them either by phone or online. It is vitally important to can get things in order so that when a lender is checking my credit score it will be accurate. No matter how many times I've tried to contact them about my current financial record about no late payments, no loan debt, no late accounts, no collections, wrong addresses on their end, and exceptional open accounts ... they don't make the proper changes so I can move forward. I find that to be not only unfair, but negligent. Some of the agents prove to be unresponsive, sloppy, slow to respond, and inaccurate. I've had lenders turn me down even for the simplest of things recently. It's like I'm being punished by the 'Credit Bureau 's ' now. I'm proud of how far I've come, and I'd like to ask for your support. I went through a very painful period monetarily, and now that I'm on my feet again I deserve to be treated with dignity and respect by those who have little or no compassion for others. Respectfully yours!

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: TX

Complaint narrative:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's Experian account. I have attached documents for this account.

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 2020-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
The 2 student loans were through sallie Mae then transferred to Navient, who has added obscene charges and refused to work with me while I was on XXXX XXXX in the XXXX from which I was XXXX  XXXX and put on XXXX. Navient has and continues to report false information to credit bureaus. Stopping me from useing VA loan to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a letter from XXXX dated XX/XX/202 informing me that a Bankruptcy record was removed from my Consumer Report because they were unable to verify the accuracy. On XX/XX/2020 I sent a letter to TransUnion informing them of the deletion, attached a copy of the letter from XXXX and requested that they remove the bankruptcy public record from my credit report. I received a letter dated XX/XX/2020 from TransUnion stating that the record was verified as accurate by XXXX and would not be deleted. 
I don't understand how TU verified it through XXXX if XXXX sent me a letter stating that they could not verify the bankruptcy.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These are not my accounts. I have sent certified mail requesting Assignment of Debt, Method of Verification and Validation of Debt. I was not looking for a response from e-Oscar system. It's been over 30days with no response. 

Accounts : 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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I think a fair resolution to my issue is to remove my account I've paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late XXXX of 2017 to XXXX and XXXX but yet stating I paid on time to XXXX  i don't understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I've learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus i would like absolutely no ties with this Company thank you. 

I sent out sent out a dispute letter trying to get this resolved but they responded with a screenshot this does not help my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18 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:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.

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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I faxed a request to Equifax to have a bankruptcy public record removed from my credit report. I included a request for removal, a copy of my driver 's license & social security card and a copy of my letter from XXXX. The letter from XXXX XXXX was received on XX/XX/2020 and stated that they were unable to verify the bankruptcy info included in my consumer report so they removed it. I received a response back from Equifax dated XX/XX/2020 stating that " The information you disputed has been updated ... The bankruptcy is currently reporting as discharged ''. The letter also states that the public record item they obtained was by XXXX. I did not request a change, I requested a removal of the item based on XXXX not being able to verify the information. I spoke with a XXXX rep on XX/XX/2020 and was informed that there is no public record on my consumer report and that no one has requested a copy of my report within the last 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In 2005, I attended XXXX University for XXXX. At that time the loan amount was {$20000.00}. I was told I was getting a student which at the time was called Sallie Mae. Later I learn it was a private loan. When Obama was in office he came out with the student loan forgiveness program. Sallie Mae which is now Navient wasn't a part of the forgiveness. Now I am learning that Navient were supposed to provide the service. Because I couldn't get help with my loan. It has been in default for about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX sent a letter to me stating that they would no longer be reporting an inquiry to the credit bureaus ; however, said inquiry is yet appearing on ( at least -- not sure about XXXX or XXXX ) my Experian credit report. Experian 's site says you can only dispute this inquiry by mailing ( snail mail ) XXXX ... but XXXX already said they would no longer be reporting the inquiry in question, so it appears as though the ball has been in Experian 's court since then ( XXXX ). I'm tired of waiting for them to take action -- there is no other recourse but to file a complaint.

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
This company IC System is still reporting this account to XXXX and XXXX, I have asked them many times that I want them to provide me with the original contract as proof that this debt belongs to me because I am not going to pay them a single dime until I see the original contract. If this company keeps giving me problems then I will take them to court and file a small claims suit against them for reporting false information which is also considered defamation of character. It wouldnt cost me much to do so, on the other hand they will have to provide the original contract to the court. If they want we can do it that way. Delete the account from my credit reports immediately. I know that the FCRA states that a creditor must provide a consumer with the original contract when it is requested, if that cant be provided then the account must be deleted from the 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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute letter in regards to incorrect items on my credit report. Its been a week over the 30 days and i have not received information regarding dispute.

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 2020-05-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Everything about this account ( XXXX XXXX ) is not right, for starters I did not authorize this account, and secondly its reporting that a partial agreement is in place inwhich is not accurate. Then its also reporting that the last payment made was in XXXX of XXXX but yet the payment history does not reflect that. And lastly this account was already removed from my credit data file in XXXX but reinserted in XXXX without any prior notification inwhich a 7day notice was suppose to be given to the consumer by law. Therefore, with all the factual grounds stated above via the consumer laws thats governed by The FCRA, this account shall be removed and blocked immediately from my credit files. Please remove and block this account. 

1 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Had court hearing on this matter was shown favor of court and dismissed

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 2020-05-18 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: MO

Complaint narrative:
Everything about this account ( XXXX XXXX ) is not right, for starters I did not authorize this account, and secondly its reporting that a partial agreement is in place inwhich is not accurate. Then its also reporting that the last payment made was in XXXX of XXXX but yet the payment history does not reflect that. And lastly this account was already removed from my credit data file in XXXX but reinserted in XXXX without any prior notification inwhich a 7day notice was suppose to be given to the consumer by law. Therefore, with all the factual grounds stated above via the consumer laws thats governed by The FCRA, this account shall be removed and blocked immediately from my credit files. Please remove and block this account. 

1 ) 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 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
i recently disputed inaccurate/invalidated accounts with equifax over 90 days ago and those same accounts still appear inaccurate. Also i never received a response back from the last dispute over 45 days ago explaining why these accounts are inaccurate. this really has put me into XXXX seeing this. i tried looking to dispute these with the collection agency but equifax is in serious violation because they have no information on the accounts as in address phone number or nothing so i could dispute. im seeking litigation. i just XXXX fcra section 611 and it states these accounts must be removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: KY

Complaint narrative:
On my XXXX account I am showing a balance of XXXX on my debt. XXXX from eos cca and XXXX from XXXX XXXX XXXX for debt collectors. Bill Should only be XXXX from XXXX. I dont know who to pay with multiple inquiries on my credit report for the same bill.

Company response to consumer: Closed with explanation