vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
On XX/XX/2021, a bank cashier 's check in the {$1700.00} was send to Shellpoint Mortgage Servicing, by XXXX Overnight Priority and was delivered on XX/XX/2021 at XXXX at the location of Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX SC XXXX. The payment for XX/XX/2021 was a XXXX XXXX  Cashier 's Check dated XX/XX/2021 and check number ( XXXX ), was shipped on XXXX XXXX by XXXX and delivered on XX/XX/2021, which was signed by Mr. XXXX XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX, SC XXXX. As of XX/XX/2021 the payment for XX/XX/2021 still has not been posted to Mr. XXXX account. A follow up call was done on XX/XX/2021 at XXXX by the homeowner Mr. XXXX , per a telephone conversation with a Shellpoint Mortgage Servicing Customer Service Agent named XXXX , to follow up with the whereabouts of Mr. XXXX XX/XX/2021 mortgage payment has not be received. Mr. XXXX stated to the customer service agent that the XX/XX/2021 was delivered and signed for by a Mr. XXXX at the Mailroom for Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC XXXX. The customer service agent informed Mr. XXXX, to send in a letter of inquiry and proof of payment. 
As of XX/XX/2021 Mr. XXXX fax all documents of proof of payment to Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX, SC XXXX. The purpose of this complaint is to make Shellpoint Mortgage Servicing a accountable for the misplacing customer 's mortgage 's payment, when the customer ( Mr. XXXX ) has showed the burden of proof the payment in question ( XX/XX/2021 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This was paid off in XXXX by the insurance company. I was advised updates were submitted to the bureaus. Still shows open. This needs to be closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I sent a debt validation letter to Gulf Coast Collection Bureau on XX/XX/XXXX. I did receive correspondence from Gulf Coast Collection Bureau in the mail dated XX/XX/XXXX. They failed to provide me with the requested information to properly and adequately validate this alleged debt, and instead they sent a copy of a patient statement from my medical records displaying the procedure that was performed on XX/XX/XXXX which I know is a direct violation of Hipaa regulations. Gulf Coast Collection Bureau has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review as well as the original collection bureau bill, and original debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: OH

Complaint narrative:
During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this 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 2021-06-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX  XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/20 I started receiving a statement from PayPal credit saying I had transferred a balance onto this credit card. I called and explained that this was not me. Then on XX/XX/20 I receive a statement from them again with another account number and another balance transfer. Once again, I called and told them I have not used their credit card. They opened yet another card under my name falsely on XX/XX/20. I have contacted the credit bureau. It has been removed from my credit but I continue to get statements and phone calls from synchrony daily saying I am going to collection. 

Can you please help me find a way to stop this fraud. 

Thank you. 

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 2021-06-10 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: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX and I settled the account with XXXX, they promised after settlement they would delete the information from my credit report and they failed to do so after 13 Months, Im currently unemployed and homeless and the negative information is hurting my chances of getting employment and an apartment. I tried to explain to Experian this was settled and it was supposed to be removed, they claim XXXX has confirmed the credit card. I didnt ask for a confirmation, I requested to be removed since the account was settled and they are going back and forth with me confirming the account. I dont know if they understand the situation. Or if they understand English.

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 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/2021 XXXX at World Finance in XXXX Georgia call my friend before XXXX telling them to have your best friend call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This is now our XXXX complaint against Midland Credit Management. 

The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be. 

Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case. 

We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: IL

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau. 
I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank XXXX been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.

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 2021-06-10 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: IL

Complaint narrative:
On XX/XX/XXXX, I received a copy of my credit history report from Bureau. That Report contained incorrect information reported by Credit Bureau.

I contacted the - customer service department of XXXX XXXX XXXX to request deletion of this inaccurate data from my Credit History Report. After a thorough verification with the bank I been told by one of the agent that I was never late on my account and they will correct the error. Here is my ID number I was provided by conversation over the phone XXXX. They insist that your company claims this information to be accurately reported. 


XXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
This negative mark is damaging to my credit. Please remove immediately incorrect information from my credit file.

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 2021-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am showing a closed account on all 3 credit bureaus from XXXX XXXX XXXX. It is showing late payments from XX/XX/XXXX to XXXX of XXXX. I contacted XXXX to confirm the vehicle was returned to them in XXXX. I asked for documentation and they refused stating that this account was sold to XXXX XXXX in XXXX. I reached out to XXXX XXXX to get this documentation. The woman who answered took my email and never sent the information and while I was asking questions either was disconnected or she hung up on me. I called back and was forwarded to a voice messaging system. During this conversation, she did confirm with me that the account was closed in XXXX of XXXX by XXXX and they purchased it still in XXXX and renewed it in this year. I have attached the documentation I have.

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 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello, Im having discrepancies with Equifax and the creditor XXXX XXXX and I reached out to XXXX  by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from XXXX  about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at Equifax all Im being told is lies majorly of the representatives from Equifax doesnt even want to give consumers there name. Equifax went into my credit score constantly changing my score to high to low, over a company called XXXX XXXX that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, XXXX XXXX is reporting it to the credit bureaus as a paid charge off. XXXX XXXX owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was XXXX  sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and XXXX XXXX still want remove this account off my credit after being told they would very Val people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need Equifax to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: MI

Complaint narrative:
On or about XX/XX/2021, I applied for a secured Discover Card. I was approved immediately and the {$1000.00} security deposit was ELECTRONICALLY withdrawn from my account on XX/XX/XXXX. After I then obtained the necessary financing from another source, I canceled the account weeks ago and requested immediate return of the security deposit. Discover has been promising to return the security deposit and even is supposed to send me {$75.00} in compensation for the poor service. While I will accept the {$75.00}, what I really want is my security deposit back NOW! I was told on or about XX/XX/XXXX that the money was probably already in my account. It was not there on XX/XX/XXXX, so I contacted Discover and was told that it would be MAILED ( NOT DEPOSITED ELECTRONICALLY ). The delays in refunding my deposit have been unreasonable and unacceptable. I should have had my deposit back with an hour or day of my canceling the account. Discover has abused me, an elderly man who will be XXXX in two years. This treatment is unacceptable for anyone, let alone the elderly. Discover has had my {$1000.00} deposit since XX/XX/XXXX. They were notified of the cancellation of the Discover Card card before it even arrived. PLEASE INTERVENE and get return of the {$1000.00} security deposit ELECTRONICALLY into my account IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC
State: KY

Complaint narrative:
We signed a 5 year contract for an alarm system and after 5 years we were on a month to month contract. After 10 years we cancelled with the company we no longer get wanted or needed and alarm system. The company was XXXX now XXXX. After I verbally cancelled on the phone, XXXX continued to take money out of my account for 7 months before I caught it. Contacted the bank they investigated and returned my money for them illegally taking it out. Now they have sold the account to a collection agency Mountain Run and I have talked to them and told them I do not owe anything I cancelled years ago. I told them to send me a copy of a new contract that I did not sign for. They not XXXX has sent a new signed contract because they dont have one. They are trying to collect money that I do not owe. I looked online and several people are having the same trouble out of XXXX XXXX. People are canceling and they are refusing to cancel them. I no longer have an account with XXXX. I cancelled years ago but they refused to cancel the month to month agreement. Please will someone help all of us trying to get away from this crooked company. Trying to scare people into paying for service they cancelled

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I have filed a police report back in 2019 in XXXX and notified the credit bureaus i did not apply i did not know of or have any knowledge of this account it was for an apartment complex called XXXX XXXX apartments i never lived there i never applied this debt is totally unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
They go by the name of CBE, located out of XXXX XXXX, IA. They repeatedly call me even though I have absolutely no unpaid debt. The have called on XXXX XXXX XXXX XXXX and XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) all using different numbers and I had to pay for a call filter just to get some sleep.

Company response to consumer: Closed with explanation