vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I filed a complaint with you about Shellpoint Mortgage Servicing Company. This complaint was because Shellpoint refuses to remove the PMI since I have met the legal qualifications - loan 's outstanding balance is 80 % of the original loan. I received a letter by email from you -CFPB- dated XX/XX/XXXX stating my credit record had been corrected and they would look into removing the PMI. 

However, I received my statement dated XX/XX/XXXX stating I have an overdue balance of {$150.00} on my account. There is no explanation of this charge except overdue payment. I received a telephone call on Thursday, XX/XX/XXXX from a realtor in Georgia wanting to schedule an appraisal on my property. I agreed to it and would schedule later. In the meantime, Shellpoint has returned my original check in the amount of {$150.00} to me in XXXX. ( I paid this fee on XX/XX/XXXX. ) I called Shellpoint Mortgage Servicing on XX/XX/XXXX and requested an explanation of the overdue charge. The agent said, after searching for ten minutes, it was for a BPO. I asked why would they have placed an overdue amount on my account when they returned this money to me without a request from me.. I requested a supervisor and he became very rude. He asked if I wanted to apply the money from the check ( which I did not cash ). He supposedly applied this amount to correct this error. I feel this " so called '' error was done intentionally to cause additional problems for me. This form of retaliation should be illegal but they continue to retaliate instead of solving the problem. 

Please can you find an agency that will make Shellpoint Mortgage refrain from this retaliation and fraudulent claims and remove the PMI which is the legal remedy.

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 2022-04-25 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : 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 non-monetary relief
Consumer complaint received 2022-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: January Technologies, Inc
State: OH

Complaint narrative:
My name is XXXX XXXX. I am a real person. I am not a credit repair team. I have been handling my responsibilities and Ive come across people that have made it harder for me by violating my federally protected rights. 

Ive been harassed, threatened and violated by this company about debt that i do not owe. They have communicated with me without my prior consent through emails, mail, and calls. They have annoyed me. 

I sent a letter to XXXX asking for : Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice.

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered.

However, according to 15 U.S.C 1692e, 15 USC 1692d,15 USC 1692c, and 15 USC 1692B Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Not use any language or symbol on an envelope or in the contents of any communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of any debt. 

not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such person not communicate by post card And Also, According to 15 U.S.C section 602 A states i have the right to privacy.

As well as 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent.

This company has violated each and every one of my rights and i demand they pay monterey relief and remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America limits withdrawals and transfers from saving accounts saying only a certain number of transfers are allowed each statement period, and does not allow the customer to manage or use funds in their savings account when needed without risk of losing that savings account. 

It is not BofAs job to tell customers how and when they move, withdraw or transfer money and if Bof A is going to offer savings accounts to customers they need to stop putting limits on how much is deposited or withdrawn as it is none of their business how or when customers use their own money. 

Their policies in this matter are not offering solutions for customers only creating more expense and problems. 

Banks hold money, they have no right to tell people how and when to use their own funds

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 2022-04-25 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: Westlake Services, LLC
State: TX

Complaint narrative:
, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-04-25 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
XXXX Avant LLC was supposed to remove the inquiry dated XX/XX/21 since last year. I have submitted 2 other complaints against this company through CFPB and was told twice they will update their systems and remove it. As of today it is STILL on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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: NY

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2022-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TN

Complaint narrative:
I am filing a complaint against Fedloans. I am attempting to get my student loan forgiven through the XXXX XXXX XXXX XXXX program ( XXXX ). I have worked for qualifying agencies for more than 10 years, so I meet this requirement. From XX/XX/XXXX to XX/XX/XXXX, I worked for XXXX XXXX XXXX, and from XX/XX/XXXX to the present I have worked for XXXX XXXX XXXX XXXX. I have provided the required documentation signed by Human Resources officers at both companies proving that I work/worked there. 

My first problem is that Fedloans is saying they havent yet approved/confirmed my current employment. I dont understand what the delay is. I mailed off the signed paperwork last fall. Fedloans approved my employment at XXXX XXXX XXXX but not XXXX. I am 100 percent certain that XXXX is a qualifying company because other people who work there are getting their loans approved and HR told me they dont understand why I have not. When I finally got through to a person at Fedloans ( after no one responded to two separate emails I sent, XX/XX/XXXX and XX/XX/XXXX ), they said there was nothing they could do to expedite the process. They were not willing to talk to HR to confirm my employment. They transferred me to a specialist. After waiting on hold for 1 hour and 20 minutes to speak to the specialist, I finally had to hang up. Because Fedloans is not approving my current employment, I am not eligible for loan forgiveness ( you must currently be employed by a qualifying agency ). 

Other problems I have been unable to resolve with Fedloans : 1 ) I am only being credited with payments made to XXXX. I am not being credited with payments made between XX/XX/XXXX and XX/XX/XXXX. At that time, I was making payments to a different loan company, XXXX XXXX. 
2 ) I am not being credited with two lump sum payments I made, each the equivalent of 6 months of payments : I paid {$710.00} on XXXX and I paid {$710.00} on XXXX. 

Thank you for any help you can provide in resolving this matter. My fear is that Fedloans is going to keep ignoring me until they get out of the student loan business in XX/XX/XXXX and I will miss the deadline for student loan forgiveness eligibility ( XX/XX/XXXX ). 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am just giving notice that I have filed a complaint with the Federal Trade Commission concerning the fact that someone changed my address related to my complaint with the CFPB. It is my firm belief that it was changed to obscure the involvement of the Banks in the theft of XXXX XXXX XXXX XXXXXXXX XXXX. I firmly feel that my address was changed to cause more confusion in the matter. The Fact still remain, I did not sale my home at XXXX XXXX XXXX XXXX XXXX XXXX and Wells Fargo knowingly participated in XXXX XXXX and XXXX. The acts of Wells Fargo Bank is in part why there is such a large wealth gap in the wealth between XXXX and XXXX. It is the discriminatory manner in which the Banks including Wells Fargo Bank approve and or accept factitious documents sending out large amounts of money using our property as collateral this done without our permission or knowledge. Wells Fargo Bank actions is XXXX, bias and just wrong. 

All we really wanted is assurance that we as XXXX can participate in the Banking industry without concerns of fraud by anyone or any agency. We are left with what we can here with, nothing.

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 2022-04-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX XXXX # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE XXXX XXXXCCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have asked experian to verify that credit acceptance was my debt. Experian keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. Experian is not verifying nothing with original signed documents nor are they even probably investigating these debts. Experian is horrible. Experian have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. Experian is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for 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 2022-04-25 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: NY

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

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 2022-04-25 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: NY

Complaint narrative:
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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

Company response to consumer: Closed with explanation