vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our loan changed hands multiple times before our first payment was due. We have a loan with this company since the end of last year. The last six months we have spent filing letters on the website emailing and calling multiple departments as well as filing official complaints to the company in writing. This place appears to be a call center for a collection agency with no opportunity to go into a local branch and go over specifics of the loan as well as expectations. Each attempt at communication ends with a promise of resolution with no follow up and you can only escalate your issues to their own department supervisors which are not able to assist and have no authority to aid in your situation. All complaints are to be filed in writing and in my experience are not followed up to or responded. We always over pay our escrow and principal for the mortgage on time. We communicated everything upfront as we awaited our supplemental tax bill and over paid escrow while waiting. They incorrectly informed us of proper procedure requirements on multiple occasions. Our supplemental tax bill is due in 10 days the money is intentionally in our escrow account to pay it and they are refusing to issue the money to the assessor or return it to us in time to pay it. Although we have been in communications with them since last XXXX regarding this very item and even personally at the leading of a customer service rep called the assessors office on XXXX way to confirm the supplemental bill and they " noted '' the system. In an effort to be a responsible lender we have done all we were asked and gone over and above all that is asked of us and have nothing but unprofessional non accountable individuals working with and servicing our home. Who will hold this company accountable for unfair practices and poor service and zero soft skills with clients that did not choose to be their clients. I have never been insulted and interrupted talked down to with no end in sight by anytime especially not over a half a million dollar loan. I would never have selected a lender with such poor ethics as a collection agency to do this with us. Someone needs to remove this company from this industry and pull accounts such as ours and give them to other mortgage servicing companies.

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 2022-03-21 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: AZ

Complaint narrative:
Hello. Please look into my credit report becasue there are accounts that i have informed the bureaus that are tagged wrongly or are not updated even if i have informed them about this but they took no action so I am making this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
For some reason Capital One flagged me for fraud. They asked me for my social security card and my Drivers license picture. Which I submitted ... and I had to ask for a replacement card from social security. Then they decided that I did not need the picture of social security ..just the number, which I submitted. I scanned the front and back of my ID card and sent them via e-mail. I called back because they did not send my money. They said there was a problem with the back of my ID card. So I sent the picture again. I tried three times. Each time it would not work for them. So we tried other ways. They sent me a link to my phone. ( which did not work ) to take a picture of my ID card. I tried to take a regular picture and send it via email. The claimed it did not work. So I sent them a hard copy three weeks ago and they said they did not receive it. The amount is for {$920.00}. I have paid off everything I ordered from XXXX XXXX so I do not know why I would be flagged in the first place. Things are very tight here and because of this I have had a negative balance on my bank account so I would like to solve this ASAP. My best outcome would be to close the account and receive the amount they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Io, Inc.
State: VA

Complaint narrative:
My insurance XXXX XXXX paid off this debt. The debt was recently removed from XXXX and XXXX and XXXX is still reporting its unpaid. I was never supposed to been billed because I have XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Hello and thank you for your services, I'm contacting you with some trouble that I'm having with XXXX XXXX XXXX from an urgent care facility that has since been turned over to a law firm that the collection was sent to. First and most importanly, this bill was not acquired by me but someone else who apparently stole my wallet and/or information to open this account.and secondly they have charged my credit 2 times in the same day for the same service but a {$1.00} difference between the two amounts owed and seperate account numbers, so I'm assuming they double billed me for services rendered in my name.And the third problem I have is its supposed to be illegal for them to pay a collector to come after me, and the third problem is medical is not supposed to be on my report.I super appreciate your help and expertise you can offer. 
Sincerely : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I received suspicious bank statements from XXXX XXXX, XXXX, and TD Bank regarding an account. I do not recall opening accounts with any of these institutions. 

Some of these were sent to my old house address, which I have personally not lived in or requested mail to be sent there, in over 10 years. 


I do remember once in early 2021, I was applying for government loan repayment for working in an approved health center location, and I would receive suspicious calls requesting information in order to 'complete my application ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have attached letters detailing the errors on 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 2022-03-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have attached letters detailing the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The amount balance {$590.00}, OPENED XX/XX/2017. I have contacted the company 4 times within 3 months and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My complaint is against Chase Bank and the XXXX XXXX system. On XX/XX/2022 I attempted to wire a business partner online using the Chase Business Checking online system to initiate a wire transfer for {XXXX}. 

The wire was rejected stating invalid name on account. This is not correct. I verified all information, routing and accounting number, name on account ( my business partner is the sole signer on the account ) and address was all correct and verified as valid. There is absolutely no reason why this transaction should not have gone through. 

The money was returned to my account less {XXXX}. Chase bank refuses to refund me this money despite all information outbound to be true and correct. They stated that this is a XXXX  XXXX charge and they will not refund me the money. This is stealing money from small businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: GA

Complaint narrative:
Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
A 14 year-old debt attempted to be collected upon. I did at one time have an account with one of the companies he'd mentioned ; However, it's been settled for over a decade. It doesn't even show on my credit report any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX bank is deliberately, fragrantly, an unlawfully reporting fraudulent information on my credit report. I've provided numerous letters as well as an FTC report as proof to the fraudulent account, yet they continue to report the fraud. Originally, Experian deleted the account from my profile but later added it back on. I'm beyond frustrated with these bully tactics and need help rectifying this situation ASAP. I honestly feeI as if XXXX and Experian are conspiring against me. I asked them to send documentation bearing my signature. Instead, I received an unmerited validation letter stating they had proof the account was mine. The proof was a credit card statement that I've never seen in my life. I'm at my wits end and desperately need assistance with this unforeseen and unavoidable nightmare. I've contacted you before in regards to this matter and I'm expecting you to hold them accountable this time. This ordeal has dragged along long enough and enough is enough! I demand resolution! Protect my consumer rights like you swore to do!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX Experian XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as Experian XXXX, and XXXX XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: GA

Complaint narrative:
Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had applied for a XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX. Application number is XXXX. I called and spoke to a representative named XXXX in the credit department on XX/XX/XXXX and she did a 2nd review of my application and credit and still denied it on basis for grounds that I feel is discriminatory and demand that it be re-looked at again. She told me that I cant be approved because i had several secured credit cards and or loans in the past. Why does that matter. That builds credit. Them loans and credits were never defaulted and were paid as agreed. She asked me why my XXXX XXXX credit cards were closed by the grantor. Why, I will tell you why.. XX/XX/XXXX I had a disagreement with a rep from XXXX  XXXX, I didnt keep my mouth shut, spoke my mind and they didnt like it and closed all my cards with them. Again, why does that matter. They were paid off, on time, and never late. How are you gon na base judgement on someone that had secured products in the past. Who cares. Thats down right discrimatory. You offer secured credit cards .... WHY ... .. FOR WHAT CAUSE. DO YOU DENY PEOPLE BECAUSE THEY HAD A SECURED PRODUCT OF YOURS IN THE PAST. I will take this matter to the highest level of court if i have to. The problem is that you know my credit is very good with a XXXX  of XXXX at the time of application, and just trying to find little reasons to deny it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I was on a forbearance plan that ended in XXXX. I was told by my mortgage company Mr. Cooper, that after they took my payment on XX/XX/XXXX, I would be able to resume my future mortgage payments as normal without penalty or harassment. 
Last week someone came to my house with a letter and Mr. Cooper is now demanding the full lump sum of the forbearance - over XXXX. 
I called Mr. Cooper and was on the phone all day on Monday XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who was reviewing my problem when she hung up and did not call me back. I then called and waited on hold another XXXX minutes before speaking with Ira XXXX at XXXX p.m. she was filing a request she said and would call me back on the XXXX or XXXX. She nor anyone ever called me back. 
Today - XX/XX/XXXX, I called and spoke to XXXX at around XXXX p.m. She could not connect me with Ira XXXX XXXX a supervisor and wanted to argue with me that I was owing all the money and was still saying I have to pay back the full lump sum. When I asked for the supervisor she said she could only have someone call me back. I asked if I would actually get a call back this time and she said yes. When I asked for someone that could help me get answers today, she put me on hold and then disconnected the call. I have not gotten a call back yet today and that was over an hour ago. 
I was told when I started this plan that my forbearance payments would roll to the end of my mortgage without penalty. 
I feel I am being stressed, harassed and lied to by this mortgage company. They tell you one thing and then do another, treating me like I am a derelict after taking payment. I have been in my home over 30 years. They are not giving me answers and passing the buck. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called transunion, XXXX and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my transunion credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my transunion credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my transunion credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX attempted to collect a debt by mailing me a statement on something I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Entrata Inc.
State: FL

Complaint narrative:
I submitted our application XX/XX/2022 and the background verification company that conducted the screening was Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 

Per FCRA requirement, your credit score and contributing factors are included below.

- you have too many delinquent or derogatory accounts - too many installment accts with a delinquent or derogatory payment status - the date that you opened your oldest account is too recent - lack of sufficient relevant real estate account information I was instructed by the property manager ( who was very rude ) to contact the company who ran the background check, Resident Verify located at : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX the actual rental screening company. I was not aware of a XXXX XXXX and was not informed this would be used as a method for approval or denial. 

I called When is data updated? Where is the data being pulled from to come to a determination of denial? etc. I have been paid my rent on time for the last 5 years. 
What is showing different from the information on our credit reports from XXXX, XXXX, and XXXX XXXX that we monitor daily and through each individual credit union. We were told to contact XXXX to find out. The letter clearly states the '' Credit reporting agency does not make the determination. '' The screening company avoided explaining the denial and would not provide more detailed information, as a consumer I have the right to know what is being reported against me after giving my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation