vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint shared our personal information with another homeowner without our permission. As a very unhappy customer of this Servicer, the gross oversight has caused additional stress and increased our feeling of distrust for Shellpoint. In a prior complaint ( XXXX ), my loan was marked late due to our confusion in their processes and they refused to assist in the removal of the late mark on our credit stating that were unable to change it because it violated the Fair Credit Reporting Act. Well they have violated the FCRA by violating my privacy by releasing my information to another homeowner without my consent. Attached is a letter admitting to the oversight, along with 2 gift cards totaling {$300.00} in gift cards to start a XXXX  account. My husband and I do not feel safe with our personal information being shared with any one outside of our permission. This was negligent on their behalf and they need to be held responsible for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NC

Complaint narrative:
The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.

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 2021-09-20 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: NC

Complaint narrative:
The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
i was called by someone named XXXX from XXXX XXXX threating to report to my authorities for a car warranty that I did not buy. Threatened to call call my place of employment as well. I call blocked her but she continued to call me from other numbers. 
Her numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: IN

Complaint narrative:
On XX/XX/XXXX, I noticed that my student refund was sent to an account that I no longer have. 
I attend XXXX XXXX XXXX XXXX. I began looking for my refund only to find out it went to an account I have not used since XXXX. 

Upon my bringing investigation, I was told {$2000.00} went to an account of an old girlfriend. 
We are not on good terms. I immediately called Key Bank to see if my name was listed on her account, and I was told my name was on no accounts, but my ex-girlfriend did receive the money and planned not to return it. 

XXXX sent the money because it was the account I had on file. However, I believed that my account was inactive, and I would have to provide up-to-date information before transferring the funds. 

I have filed a complaint with the XXXX, but I received a message that XXXX is not liable, and neither is KEY Bank if the money is not returned. 
I never authorized the transaction. XXXX states an account becomes dormant after 12 months of activity. This account has been inactive for three years, and their policy states that to reactivate, one must perform a transactional activity. I did not perform such action as I was locked out of the account. 
I did not re-authorize any funds to go into an account with no activity in three years. 

I have visually impaired, and these funds are my only source of income aside from my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: SC

Complaint narrative:
In the on going dispute of my consumer rights. Discover has purposely neglected abiding by federal law. 

New information : Discover sent a debt collection to my address that I did not give them permission to do. 
I have on a recorded phone call Discover stating that they do not and will not abide by federal laws. 

Audio recording will be handed over to their governing body and their state attorney general and all other applicable legal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 i was notified by a text message that there were several transactions made on my card & withdrawals, later i got a call from a worker from Wells Fargo letting my know that my card was being charge in XXXX Texas & i let him know i was in XXXX at the time i was NOT out of state. Then he read a couple transactions saying that i had 4 withdrawals from an ATM from somewhere in california made with a XXXX XXXX phone, again i let him know it was not me. First withdraw was {$100.00} second one from the same ATM was {$380.00} then again for {$320.00} & lastly {$200.00}. All late, he removed my card from the persons XXXX XXXX & change the pin apparently. i later had to call again & ask if i was going to get a new card but i guess the person didnt file that so i had to wait & do that again. I let him know i had called earlier because of unauthorized transactions & he said i should file a claim & so i did & i waited almost 2 weeks ( XX/XX/XXXX ) to find out i wasnt going to get my money back because my card was in my possession.

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 2021-09-20 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: NC

Complaint narrative:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: LEXISNEXIS
State: NY

Complaint narrative:
I checked my consumer report a while back and noticed a bankruptcy being reported. When I contacted the bureaus explaining my rights to privacy they sent a letter back stating the letter was verified and accurate. I contacted the bankruptcy court to find out if they gave my information to the credit reporting agencies, they stated they do not report any information to any of the agencies. I then noticed that the main bureaus received their information from LexisNexis so I sent a letter to them explaining how they are violating my rights as a consumer and I even pointed out the laws they violated. I never gave them permission to furnish anything on my consumer report so that violates 15 USC 1681b ( a ) ( 2 ). I have the right to privacy and they violated that law, 15 USC 1681 ( a ) ( 4 ) and they stated that the information was investigated and verified but who did they speak with? 15 USC 1681a ( e ) states that to conduct an investigation, they would have to speak to neighbors, friends and/or associates and if they spoke to them the information provided can not be factual. LexisNexis violated these laws, destroyed my moral character and lied. The information on my consumer report needs to be removed. In addition to everything mentioned above, I want and deserve remedy ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prime Recovery LLC
State: CA

Complaint narrative:
I keep getting messages from a collection company about repaying debt that does not match my name. I told them I am not the individual, and they give out information about the person who is in debt, personal information such as name. 

I don't want to be harassed about debt that is not mine, and they should confirm recipient before sharing. I should not be learning about a random persons debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received the most recent debt collection letter for XXXX XXXX XXXX today, XX/XX/XXXX. It came from a company called Convergent. This is the 5th Collection company that XXXX XXXX has sold this debt to. I do not owe this debt and it has been successfully disputed and removed from my credit report 3 times. The most recent being in 2020. I receive harrassing calls from Covergent for them and they are continuously hurting my credit score. I do not know who XXXX XXXX is and when Iasked for proof from them in XXXX, they could not provide any documentation. I am pretty sure that this is a credit scam.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc
State: MN

Complaint narrative:
I was sent a collection debt notice from XXXX XXXX. My drivers license that was stolen was used to rent the cargo van fromXX/XX/XXXX-XX/XX/XXXX. I did file a police report in XXXX and will be submitting a copy to the collection agency to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am currently experiencing hardship and stated to Navient that I am being affected by COVID. I have been deferred for 12 months due to COVID. They are refusing to defer me although I am not working and have no income. I have spoken with a representative on XX/XX/16, and he did not explain the repayment options and he did send me a forbearance for a federal loan, although I made clear that I was calling about my private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

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 2021-09-20 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: VA

Complaint narrative:
XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: VA

Complaint narrative:
XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

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 2021-09-20 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: TX

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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I had to have my card number canceled out and a new card issued. They need a copy of my photo ID. I took several pictures but was unable to get an image with their app or my camera that they could use. They finally had me pay the library to scan a perfect copy to PDF. I have looked at the file myself and the image is perfect, but after telling me to go buy this image, they then told me this wasn't good enough either. They also tell me that while they can not use any of the images they have, one of which I had to pay for and is a perfect image, they also have no other options to issue a card if their system fails to accept the perfect image. So they won't issue me a new card to use my credit, but still expect me to pay on the open account which is in good standing but I can not get a card to use with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I was unaware that Freedom Mortgage bought my home loan until I received notification from my bank that my credit score dropped 167 points. Once I contacted my original lender they informed me of Freedom Mortgage. I contacted Freedom, paid my outstanding bill in full immediately and was told that I could dispute the negative credit reporting. They said they would call me. They never did. I called again and they told me that I was responsible and that the credit dispute would not be resolved. Because of their lack of contact ( even when they had my information from my previous lender ) my credit score dropped 167 points. This company has been found guilty of misreporting and has been previously fined by Consumer Finance.

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 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a Experian Boost member prior to XX/XX/XXXX2021 and I received correspondence via email from Experian. I wanted to stop the emails from Experian however they are not CAN-SPAM Act compliant and do not have an " Opt-Out '' link or mechanism via the email as it should to unsubscribe. I called Experian and cancelled my boost account and specifically asked for them to not email me again. The representative complied and told me this was taken care of. I then received an email stating that I was no longer a XXXX   member again with no CAN SPAM Compliant link to unsubscribe. They go so far as to say, " you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. '' I then check their privacy policy and still no way to cancel or unsubscribe except this statement. " If you need assistance or have any questions about this Policy or our privacy practices, please call us at XXXX. '' I called the # and was put into a never ending Do-loop of the same thing with no way to Cancel or Unsubscribe from their bombardment of emails. 

So I've received 5 more messages ( datedXX/XX/21, XX/XX/21, XX/XX/21 & XX/XX/21, since I spoke with a rep on XX/XX/21 to cancel further correspondence with Experian except via Postal mail.

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 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money. 
I have sent 4 letters requesting proof. 

The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX  And they have ignored every document sent. 
Im sending all documentation to states attorney general/ cfpb /FTC. 

I am filing this document for further proof moving forward ..... 

I want XXXX  to remove invalidated debt from all XXXX  and all background agencies, immeadiately.

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 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation
State: AZ

Complaint narrative:
AZ lender Weslend Financial XXXX, NMLS XXXX is running ads on AZ radio advertising 2.1 % interest rates, which I believe is a triggering term, without any additional info on type of loan, term, or down payment.

Company response to consumer: Closed with explanation