vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Most recent Letter was sent to Shell Point on XX/XX/XXXX Certified XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt/Incorrect Payment Amounts. 

Dear Sir/Madam, I am writing to you in response to a mortgage statement received on XX/XX/XXXX. 
Again, I request that your company provide me with a detailed explanation and documentation of the debt, including a clear breakdown of all charges along with proof of those charges. I also request that your agency cease all collection efforts until this dispute has been resolved. 

My escrow account is wrong and causing extreme hardship as you are collecting double my monthly taxes for no reason and you will not reconcile the escrow account this has been happening since XXXX of XXXX. 

I have been contacting you via telephone calls and have written several letters along with several emails providing proof via documentation starting in XXXX of XXXX. I will provide those certified letters on request. 

Most recently I called on XX/XX/XXXX, and was informed it would be reconciled and expected to hear from you in XXXXen days again no response sent another letter concerning this on XX/XX/XXXX. 

Per your own Mortgage statement, any payments not made in full would not be applied but held in another account that damages credit and has done so. 

I simply cant make a payment over XXXX XXXX dollars higher than required it is damaging and abusive behavior. 

You have locked me out of my mortgage account for months now and I have called several times attempting to get access with no luck, it seems to work for a day then someone locks me out I suspect it may be my complaint to the CFPB that causes you to behave like this. 

I can not see the escrow balance communicate with you or provide documents via the portal. 
This has caused significant hardship and frustration. 

Please note that under the Fair Debt Collection Practices Act, it is illegal for debt collectors to continue collection activities if a dispute has been raised. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX : CFPB i.e. 1024.35

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I found out that my checking account where I receive my salary and keep my savings was closed by TD bank without delivering any notice to me. After reaching out to their call center, I was told to contact the local branch where I had opened my account. On XX/XX/XXXX, I called the TD Bank on XXXX XXXX XXXX XXXX, XXXX, SC and spoke to the branch manager XXXX XXXX XXXX who stated that the reason for closing the account was that I had not updated my ID with their bank for the past two years. He claimed that it was the law and the banks policy and the clients responsibility to provide their bank with updated copy of their ID even when not requested. He claims to have sent me a letter and left me a voicemail which is false and I have not received any communication from him. 

Apparently, he had sent the letter to my old address even though TD bank had my updated address on file ( this was later confirmed by the call center and in the adress change confirmation message I received in XXXX ). He stated that he is absolutely unable to help me in accessing my money and that I should call the De-marketing team by phone and ask them to recover the funds. I called their number, but I can only leave voice messages. They have not responded to my message after 2 days. I called the TD bank call center and they informed me that they will try to reach out to the particular team and I was told to expect a check with the remaining balance on my account to arrive at least after two weeks from XX/XX/XXXX and that it is supposed to be sent to my new address but they can not confirm and will request that. 

I am currently locked out of all my cash for more than a week and unable to pay my expenses, bills and rent. I need immediate access to my money. 

I can not wait any longer to access my money as I am falling behind on payments due to TD Banks fault and mismanagement of my account. 

TD account details Routing # : XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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:
Equifax 1- Collections Agency Name : XXXX XXXXXXXXXXXX XXXX  THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXXXXXX. 

THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Receivables Management Partners, LLC
State: GA

Complaint narrative:
FALSE INFORMATION REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of a charge off account that is currently being reported on my credit file. The account in question is listed with three different last active dates to XXXX, XXXX, and XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
As per the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information on consumers ' credit reports. The multiple last active dates for the same account indicate that my credit file is being inaccurately reported and I demand that this be removed from credit file immediately. 
I request that the charge off account be deleted from my credit file, as it is in violation of the FCRA. I have attached supporting documentation to this letter which proves the inaccuracies of the information being reported. 
Please take immediate action to correct this issue and notify me of the outcome in writing within 30 days. If you are unable to correct this information, I reserve the right to take legal action, I submitted this dispute to the three major credit bureaus, and they did not correct it, or take it off of my credit file, which is also a violation of the Fair Credit Reporting Act ( FCRA ). Please have them remove this from my credit report immediately. 

Thank you for your prompt attention to this matter. 

The account is question is Exeter Finance LLC and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-03-14 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX  : Account Number XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. I have contacted the companies and the actions were initiated without any proof of the companies reporting. The inquiries are not factual since I never authorized 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 non-monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you 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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was looking over my credit report and found an address that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do their website. To make the process of deletion easier, here is the address that I am currently seeing listed which I would like removed please : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Once you have deleted the inaccuracies names and address from my credit report, please send me a copy of my updated report. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MI

Complaint narrative:
The dates for the collections show as XX/XX/XXXX and XX/XX/XXXX for {$89.00} and {$1400.00} respectively. These accounts have already been paid on in full and are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Spoke with company XX/XX/2023 and explained I am disputing the debt. Later that day he called back and also called again XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AES/PHEAA
State: GA

Complaint narrative:
Fed loan is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my 100 % Permanent and Total XXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet Fed loan continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that Fed Loan is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.

Company response to consumer: Closed with explanation