vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I entered into a consumer credit transaction on XX/XX/2018, with XXXX XXXX XXXX. They have assigned the servicing of my loan to NewRez Mortgage LLC dba Shellpoint Mortgage Servicing and my personal information. When I entered into this consumer credit transaction with XXXX XXXX  I gave them permission to have my personal information and ONLY them, NO ONE ELSE. This goes against my right to privacy as a consumer under Federal Law 15 USC 1692 Fair Debt Collection Practices Act. Because of this, NewRez is sending me statements in the mails and attempting to collect a debt when In fact, I have never completed an application or have any contract that permits them to collect any payment from me. The Fair Debt Collection Practices Act is made to protect consumer 's, like myself, against debt collectors, like NewRez. NewRez is committing a host of violations against me. NewRez is letting everyone know in my neighborhood that I have an alleged debt by sending mail that has a logo and symbol in the contents of their communication indicating they are in the debt collection business. This is ruining my reputation as a consumer and an infringement upon my right to privacy. Pursuant to 15 USC 1692b ( 5 ) no logo or symbol should be on any contents of communication through the mail that illustrates that they are a debt collector or in the debt collection business. In NewRez mail they are collecting and sharing my personal information, going against my right to privacy. NewRez stated that " I owed a debt '' and Pursuant to 15 USC 1692b ( 2 ) no debt collector shall state that a consumer owes any debt. In the contents of NewRez mail, they are using harassment informing me that if I dont fulfill my credit obligations they will report it to a credit reporting agency which will ruin my reputation. No debt collector shall harass in the connection of any debt according to 15 USC 1692d ( 1 ). As a Federally Protected consumer, I have exercised my rights responding to this alleged debt by sending an Affidavit of Truth and Cease of Desist certified mail with return receipt but they have disregarded my Cease and Desist letter by still sending me statements to collect an alleged debt other than a specified remedy for them violating me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agencies are ignoring my dispute letters and they are reporting inaccurate information and VIOLATING my consumer rights in many ways. I first contacted them in XXXX and still havent received a letter in the mail about my disputes. When I contact via phone they keep directing me to send letters which I have done so three times already. I am very upset. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that they delete the disputed items immediately due to them violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: IL

Complaint narrative:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am a premier member with Experian credit monitoring. This includes credit reporting updates, protection, quarterly XXXX  and XXXX  reporting and updates. How I havent received satisfactory or no reporting in all these areas since XX/XX/XXXX. In addition because of the insufficient monitoring I was a victim of identity theft at least 5 times since XX/XX/XXXX. Finally Experian maliciously and negligently reported excessive declines in my FICO scores from XXXX to XXXX from XX/XX/XXXX to XX/XX/XXXX. Henceforth, after receiving extremely derogatory on a stolen XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, I promptly filed my complaint even though Ive been monitoring the huge gap in Experian FICO score as XXXX ; XXXX  as XXXX ; XXXX  XXXX. To date Experian has also blocked my ability to file disputes with XXXX XXXX XXXX and XXXX and 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 2021-06-18 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: VA

Complaint narrative:
I am attaching all of my documents included in my dispute.. I am a victim of identity theft and I am stressed that this information is still on my credit report. I have sent Experian all of the supporting information and filed a police report. Help me please.. I was a victim in a previous breach and they are not removing these inaccurate items off of my 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 non-monetary relief
Consumer complaint received 2021-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
I have a host of issues with these debt collectors however I picked the attempt to collect the wrong amount about my complaint. On my consumer report there is reported information about of an amount XXXX flat alleged owed however the collection agencies are asking for amounts of XXXX, XXXX and or XXXX federal law states they can not collect ANY amount unless expressly authorized. I have no agreement with this company and I never received any paperwork, no contract anything, that would allow me to validate anything 5 days after since this initial communication was sent to me. Instead I am told I have " generous settlement terms. '' Settlements only happen to avoid suits. All I see is settlements and settle within this notice and I am scared like XXXX? And I can confirm they are trying to scare me into believing this is a legal matter because they put on my consumer report " assigned to an attorney. '' This can't be legal! How can I possibly be sued without this information verified on amounts that are not consistent from two different debt collectors? Yeah one is named Absolute Resolutions Investments LLC and they are telling me I allegedly owe them money by they said themselves they paid for the debt, so how is that even possible? Then they are telling me to not pay them but pay another company by the name of XXXX XXXX XXXX XXXX This seems like a scheme to defraud of money I do not owe either company. They have also committed debt parking by placing this false debt on my consumer report saying it was assigned to an attorney. I believe between debt parking and quoting settlements, this was a strong attempt to extort money from me illegally and I am asking for the CFPB to put an end to this situation please. I have been unable to use to extend my credit for the entire year of 2020 and this made it extremely difficult to get a job. I haven't been able to get reliable work because they always check my credit and see this XXXX account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have disputed a collection account with LVNV Funding with XXXX XXXX XXXX for three months. This account is not a collection. It is under consolidation with XXXX XXXX XXXX LVNV is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, Santander offered their clients a 2-month forbearance due to the COVID-19 pandemic and stated the payment in forbearance would be added to the end of the loan. My salary had been decreased during the pandemic, so I decided to accept the help. Santander sent me the forbearance letter informing me that I did not have to make my XX/XX/XXXX and XX/XX/XXXX payments and informed me that the maturity date on my loan would change from XX/XX/XXXX, to XX/XX/XXXX. I didn't read the entire forbearance because I thought I was signing what they were offering me. However, after reading the document today, it appears to be an " extension '' agreement for customers who were late making payments and behind on their car payments. Neither applied to me because I HAVE NEVER BEEN LATE MAKING A PAYMENT NOR HAVE I EVER BEEN BEHIND ON MY PAYMENTS. In reviewing my transaction history, it appears that the first 2 payments that I made after the forbearance period, Santander applied 100 % of XX/XX/XXXX and XX/XX/XXXX payments to interest ; my account balance remained {$29000.00} for 5 months, from XX/XX/XXXX until XX/XX/XXXX. They also added a comment to my credit report for those months stating that " Affected by Natural Disaster '' for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the past, I question Santander about the interest they were taking from my monthly payments because it was never the same amount and seemed to more as the balance decreased. I would like to know what they meant by the comment they added to my credit report because XX/XX/XXXX and XX/XX/XXXX were the ONLY months - since I purchased the vehicle - that I did not make my monthly payment. In addition, under the Actual Payment section, they are reporting that I did not make my XX/XX/XXXX and XX/XX/XXXX payments. That information is not true - I paid my XX/XX/XXXX car payment on XX/XX/XXXX, and the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX, I traded the XXXX for a XXXX and the XXXX dealership paid off the XXXX on XX/XX/XXXX. Santander reported the XXXX to the credit bureaus on the same day, but DID NOT report that the XXXX was paid in full with a XXXX balance ; therefore, they are reporting 2 high-balance car loans when it should only be one. All of their reporting affects my credit and credit scores. Lastly, I had a car loan with them for 2 years, before I purchased the XXXX, I was never late and never missed a payment, yet they charged me a ridiculously high-interest rate like I had never done business with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-18 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed a collection account with XXXX XXXX with Experian, XXXX  XXXX  for three months. This account is not a collection. It is under consolidation with XXXX  XXXX XXXX. XXXX is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my 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 2021-06-18 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I can not get my credit report from Experian. I have tried for 6 months this year and they are refusing to furnish me with a copy of my credit report. 

There is a credit freeze on my account that I have cancelled several times. 
Experian keeps renewing the credit freeze with out my permission. 

Experian intentionally does not list a phone number to speak with a representative to resolve any credit issues with Experian. 

Experian is not complying with the COVID-19 guild-lines to allow credit customer 's access to their credit reports every 7- Days.

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 2021-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Contacted Wells Fargo to advise my info used to open an account fraudulentlyPhone XXXX. XXXX # XXXX. No response.

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 2021-06-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18 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: AFNI INC.
State: TN

Complaint narrative:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I have a delinquent/collection account that was paid off and has a balance of {$0.00}, however it is still reporting to the CRAs. It is against the law to report a paid and XXXX balance collection. I have contacted the company numerous times and was told the account would be removed from the credit reporting agencies. This account has been paid off 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 2021-06-18 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: BCA Financial Services, Inc.
State: FL

Complaint narrative:
Complaint was filed and CEO, XXXX XXXX replied stating this was removed from my credit back in XXXX. Yet, as of XX/XX/XXXX, it remains active on my credit. 
I have not received any documentation that this was removed either. This is violating my rights and damaging my credit rating which I have worked hard to maintain. 
I have attached a screenshot of one of my bureau reports from XX/XX/XXXX to prove it still remains on my credit.

Company response to consumer: Closed with explanation