vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I closed a conventional home loan ( XXXX yr ) with XXXX XXXX in XXXX, the loan was transferred to be processed by NewRez in XXXX of XXXX. 

After my loan was transferred I am NOT ABLE TO access my loan online on NewRez.com or through the app, this is causing me inconvenience as I need to change online payment amount and bank, I have contracted XXXX customer service at least XXXX times in the last XXXX weeks -- they are completely clueless, incompetent and unable to fix. this problem I have send several emails to XXXX with my load details and haven't heard ANYTHING back NewRez needs to either fix this issue & give me monetary credit for my time, energy or transfer the loan to another processing company immediately ( by XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX refuses to allow me access to this account. They are ONLY providing loan information to the primary borrower who is incompetent! The ONLY information that Im provided is through disputes & responses ONLY online through these disputes! 
I have requested & have NOT received : - XXXX months of payment history showing dates & amount of payment. Instead XXXX has sent past monthly statements which DO NOT allow me to verify accuracy of this account. 
- a loan payoff statement, which XXXX said they sent in XXXX. I NEVER received it! Likely because they sent it to the property address which I DO NOT have access to. 
- current monthly statements, ANY & ALL notices in regard to this loan, including ANY late payments or changes to the account. 
- information on insurance, taxes & escrow information. 
Without ANY opportunity to manage this account Im subjected to unfair credit reporting that can neither be verified or paid. This loan IS my responsibility & Im being denied FAIR management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting 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:
I sent a communication to XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.

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 2024-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I sent a communication to XXXXXXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXXXXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I sent a communication to UPGRADE INC, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( UPGRADE INC AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: TX

Complaint narrative:
A week ago started seeing problems with my KeyBank checking account. Could send ACH or use XXXX. Have called called customer service at XXXX and they confirmed that account is locked due to fraudulent wire transaction and I was advised to go to my nearest branch to unlock it. I live in XXXX  now, when I opened account used to live in XXXX. Now my nearest branch is in XXXX. Customer service told me to try contacting branch where I opened account and that branch is in XXXX, XXXX. Have called them but they didn't help in resolving my problem with locked account and my funds are unavailable for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX WITH A BALANCE OF {$27000.00} WAS INACCURATE REPORT ON MY CREDIT REPORT. 
XXXX XXXX TOLD ME THEY DONT HAVE THIS ACCOUNT UNDER MY NAME AND PAYMENTS HISTORY INCORRECT THAT I SHOULD CONTACT THE CREDIT BUREAUS FOR DELETION. 
DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT BY LAW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite XXXX disputes with Experian, they are still reporting XXXX of my students loans as having a balance. On XXXX student loan account, they are incorrectly reporting a {$53000.00} balance. ( XXXX and XXXX are correctly reporting a {$0.00} balance. ) My loans have been forgiven. I have submitted evidence verifying that the loans have been forgiven, and that I have a XXXX balance with the XXXX XXXX XXXX website, as well as XXXX ( the student loan servicer ). I can not understand why Experian is incorrectly reporting a balance. This is preventing me from refinancing my house.

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello i'm submitting this complaint today because you guys have been refusing to help me out non stop your support agents on the phone are terrible employees that only deny to fix issues and are also rude to people they are not trustworthy people! in fact they are liars when you guys decided to close my checkings, savings and credit card they told me that i'm able to apply for a new one so i did and got approved but a few weeks later after getting approved for it the bank decides to close it! with no explanation given! your social media people are useless to they are actively ignoring my issues because they know that they did wrong! now i'm trying to file a dispute with you guys this is a purchase on a course i bought from a company called XXXX XXXX and recently the company decided to stop helping its students when i brought this to your agents over the phone they said " yeah we're unable to help you cause your account is closed '' i like how you guys allow me to view all my transactions on a closed credit card account but when it comes to debit cards its all gone that's a super anti-consumer move and you're basically impling " we don't want to help you because its your money '' yeah its my money thats in your bank! also your social media people just say XXXX things like " oh call our service number '' in witch like i said your phone agents never help with anything and are just all talk and no action! anywho the company that im trying to file a dispute on has sent an email saying that " you are free to file a chargeback ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting 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 have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 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 paid as agreed on time as they should be due to the fact that 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 2024-01-13 00:00:00
Product: Credit reporting 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 have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts ( XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 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 paid as agreed on time as they should be due to the fact that I was never late. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting 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:
I have reviewed my consumer reports and noticed that I had a late payment on XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 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 paid as agreed on time as they should be due to the fact that 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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY IS OUTRAGEOUS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting 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:
I contacted Equifax on XX/XX/23 and spoke with XXXX XXXX in the fraud dept to notify them that an account appeared on my credit report as well as an unknown address. He provided me with an address dispute confirmation number, but it was never removed. I realized the address on my XXXX report and immediately contacted them and spoke with the fraud dept. Their dept immediately removed the address but did inform me it was attached to an account and provided me with the account name which is XXXX XXXX. However, the account did not appear on my XXXX or XXXX, but the address did. XXXX was also informed of the information and had removed it as well. On the call with XXXX XXXX, He stated I needed to file a report with the FTC as well as file a complaint with the CFPB before they can remove it. Even though XXXX XXXX was aware that the account nor the address did not belong to me he proceeded to allow inaccurate information to be furnished on my credit report and acted as if he was putting in a dispute request for me. I also advise that my information was exposed in the Equifax data breach and I had to file a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof. PAYMENT HISTORY OUTRAGEOUS ONE PICTURE FROM XXXX JUST TOO SHOW WHAT THERE DOING

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NC

Complaint narrative:
I.Q. DATA INTERNATIONAL, INC.has obtained my nonpublic personal information as a result of material misrepresentation, fraud and identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) and F.S 817.568 ( 2 ) ( a ). I.Q. DATA INTERNATIONAL , INC. is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing refuses to allow me access to this account. They are ONLY providing loan information to the primary borrower who is incompetent! The ONLY information that Im provided is through disputes & responses ONLY online through these disputes! 
I have requested & have NOT received : - 24 months of payment history showing dates & amount of payment. Instead Fay has sent past monthly statements which DO NOT allow me to verify accuracy of this account. 
- a loan payoff statement, which Fay said they sent in XXXX. I NEVER received it! Likely because they sent it to the property address which I DO NOT have access to. 
- current monthly statements, ANY & ALL notices in regard to this loan, including ANY late payments or changes to the account. 
- information on insurance, taxes & escrow information. 
Without ANY opportunity to manage this account Im subjected to unfair credit reporting that can neither be verified or paid. This loan IS my responsibility & Im being denied FAIR management.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had an unsecured credit card with Bank of the west open in XXXX at some point I got delinquent on my account and Bank of The West decided to close my account and shortly after they started the collection process. Before agreeing to pay my balance owed that was less than XXXX XXXX dollars. I ask if I pay off this balance would they delete it from my credit report and was told they could do that. This was a verbal agreement and I made the mistake of not getting in writing or follow up in writing. 

I paid it and Bank of the West did not honor their end the agreement. I tried to dispute it with credit bureau and was not successful at getting a resolution. 

Bank of the West is not being transparent when it comes to reporting to all XXXX bureaus there appears to be information that is not consistent

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