vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I received a notice from Shellpoint Mortgage Servicing dated XXXX XXXX, XXXX stating that my mortgage had now been transferred to them. I received the notice on XXXX. I went on their website on XX/XX/XXXX, established a Username and Password and accessed my account # XXXX. It had my correct name and address. At the bottom it clearly stated, " Payment Due Date : XXXX XXXX, XXXX. '' Nothing else. I printed a copy of this and also saved it to my computer documents. I went back a few days later to the website, logged in and confirmed that the same information was still present. 
A few days ago, I received an email saying that I was in arrears for XXXX and XXXX. I contacted their office ( Customer Service agent XXXX XXXX ) who said I had to pay immediately. I pointed out the information that had been on their website, my account, which had NO mention of XXXX or XXXX, only that my payment was due XXXX XXXX, which I intended to pay within that first week. Now, a check of my account is showing that I am, according to them, in arrears. 
I am XXXX  years of age and live on Social Security, which doesn't last an entire month with today 's inflation and gas prices. I relied on the info on their website so it's their mistake and there is no way I can come up with money now spent on necessities. 
HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI 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. States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-29 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: GA

Complaint narrative:
Account from XXXX XXXX XXXX XXXX was paid in full in XXXX. Please remove it from my credit 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 2022-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I initially was trying to find out how voluntary repossession works. The gentleman I spoke with would give me any information untill I said yes that I do want to do a voluntary repossession. Since XXXX the company West lake financial has has called me at least 2 to 3 times almost every day since. I have tried to talk to them several times but due to poor communication between myself and their representatives I dont feel like any issues have been as resolved as they could be. I believe it was XXXX that the voluntary repossession took place. Several days ago I received a letter letting me know the car would go to auction. I knew that letter would come. As I am writing this I just received a call from them. It is the second call of the day. They are calling at a rate that has been feeling like harassment for awhile now. I am now waiting for the car to be sold at auction to find out what the deficiency balance is going to be. Then I can work towards getting that paid off.

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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-29 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

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 2022-09-29 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Americor Funding, LLC
State: TX

Complaint narrative:
I am the Title company and I am working on a reverese refinance. I am trying to get a payoff statement from a debt consolidation company ( Americore ) for my client. They will not give me authorization to request any documents or information on this loan ( even with the borrowers consent ). I have sent several emails to their customer service email and fax number but they are declined. The borrower was able to received an email with an amount but no wiring instructions or relatable information on the loan. When I respond to that email they decline to reply. Finally, Americore 's customer service reps have been very unpleasant to work with. One rep by the name of XXXX, was so intolerant of my clients questions he said " I will no longer explain any of this information to you as I have already explained once. '' My client is XXXX XXXX XXXX and she has difficulty receiving an email or even logging onto the internet. She should be able to request this statement so that she can pay it off and just be done with Americore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I first reached out XXXX XXXX XXXXXXXX to the company via email about the issue. It stated they have a new verification process to where they have you enter your name then upload your identification card or drivers license or passport etc. I uploaded my NON expired I.D . that I have always used and it is not torn, scraped, or damaged so it is very legible. I previously pulled credit from them for months and made my monthly payments on time from my ACH ACCOUNT and all of a sudden I received an email stating they were unable to verify me and I could no longer pull my XXXX line of credit. It has not updated my XXXX XXXX but it says it has but I have the XXXX, XXXX, and XXXX XXXX which do not match. Now they have been going back and forth with me through emails stating there is nothing they can do to overturn the decision but I am responsible for paying them back but even while trying to make payments nothing is being pulled because it keeps saying reconnect bank account and its grayed out as if I can not connect. For the longest they were pulling money from my bank account so for them to say they can not verify me how are they able to pull money from my bank account which has the same name and identity. This is an account on my credit that can not be accurately accounted for if im unable to pull and pay them. I asked for a XXXX to help but told me there is nothing they can do as it is a XXXX time decision and they can not reverify me which makes no sense. How am I able to pay a company back who claims they can not verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I disputed with my bank navy federal. they denied all claims. I contact XXXX disputed and they denied. I sent the contract and all proff that I was scammed and the didnt nothing and held me fully respond

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am receiving letters that states the creditor will reduce amount if paid by a certain date. They have reported the debt to the credit bureaus as delinquent. The debtor says that it was opened in 2020. I have disputed this through XXXX XXXX first then directly to the credit bureaus. XXXX XXXX and XXXX have gotten information back that it is an accurate account. I did not open this account or any account in 2020. I have no knowledge of who the creditor is. I have been given the information that if I communicate directly with the creditor, it will be like I acknowledge information of the debt. I don't want to add fuel to the fire, so I will not communicate directly with them. This has a negative impact on my credit score and I need help removing this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
On XX/XX/2022 I called my Federal Student Loan Provider, EdFinancial, about getting a refund on payments I have made during COVID based on the CARE act. I submitted a request for a refund of {$3900.00} which would put the amount I owe to $ XXXX, that $ XXXX would be forgiven by the Student Loan Forgiveness President XXXX has announced based on the fact I have Pell Grants.

I asked the EdFinancial rep for a timeline of when the refund would take place, they told me they do not know because they do not handle the refunds, the Department of Education does. I said okay and the call ended shortly after.

I have since then read online that EdFinancial is being incredibly shady about CARE act refunds, other providers are able to give out timelines and provide refunds withing anywhere between 2-3 weeks, but EdFinancial will not give any information what so ever. I have only read stories about EdFinancial refunds being successful after filing complaints with consumerfinance.gov, which is absolutely unacceptable. 

I called back a week later ( XX/XX/2022 ) asked the rep to make sure that the request was put in and for the correct amount, luckily it was. Once again I asked for a timeline and they gave the same poor information, but this time around the rep gave me the number for the Department of Education. 

I called the DoE and that rep told me that my Provider ( EdFinancial ) is responsible for refunds and providing a timeline of when it should be taking place. I then proceeded to call EdFinancial back and explained what the DoE just told me and they all of a sudden change their tune and said that they do issue refunds and since there are so many requests they can not tell their customers ( me ) when it will happen.

This is ridiculous. Other providers process them within weeks, but EdFinancial will not even give a timeline. 

I fear that they will not process it until after the XXXX Forgiveness so I will be left owing them the {$3900.00} they are supposed to refund to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.

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 2022-09-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account from XXXX XXXX XXXX XXXX  was paid in full in XXXX. Please remove it from my credit 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 2022-09-29 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 am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft 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 non-monetary relief
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX database as well. I filed a identity theft report with the FTC please find attached the identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
my business applied for credit under my business name and ein and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1

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 2022-09-29 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: U.S. BANCORP
State: FL

Complaint narrative:
This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

Elan financial should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.

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