vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Dear CFPB, I have a problem with my bank M & T. About two and half months ago someone broke into my account and wiped it out, about $ XXXX. I filed a dispute with M & T bank, they put a halt to my account for two and half month 's. I made at least XXXX phone calls and everyone sent me to another person made me feel like a ping pong ball. I have two Social Security payments in the account but they won't even let me pay my bills with those I have in there. I was told I may owe them! My credit went down so bad because I can't pay my bills! 
I have XXXX XXXX XXXX and do not have much energy to go there every day, I ca n't drive there because I use XXXX XXXX 
Is there anything that can be done about this problem? 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Debt is not owed, company is contacting me via text and email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I called XXXX XXXX XXXX to find out why they were reporting my account as charged off when I had paid it off in full and had a letter from them stating the account was paid off in full. The agent told me I had to fill out a form and send it in and they would investigate it and XXXX would inform me of the results. On XX/XX/year> I checked my credit report and it changed from charged off with fixed interest to paid charged off. Which neither is true. They had a system malfunction and I started receiving some settlement agreements to speed up the pay off process. To which I turned down because the account was almost paid off and would reflect in a negative manner on my credit report. On XX/XX/year> I paid the balance off to XXXX XXXX XXXX XXXX  and the account was paid in full. This account was never charged off and for them to report it to the credit bureau is having a negative affect on my credit and making it very hard to get a new car loan. I was never notified that this account was charged off as I was in constant contact with them and I was making regular payments. How can it be a charge off if you pay the balance in full?

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 2024-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This rental debt is not XXXX, I moved out of these apartments XX/XX/2021. THE XXXX XXXX  OF XXXX NC PAID XXXX TOWARDS THE CURRENT BALANCE AT THE TIME, WHICH WAS XXXX. I MOVED OUR, AND SOMEONE MOVED IN IMMEDIATELY AFTER ME MAKING ANY CURRENT MONIES OWED ON THE LEASE NULL AND VOID. PLEASE REMOVE THIS OFF MY CREDIT AS THIS IS NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The payment history for account XXXX is absolutely inaccurate. I contacted the creditor to inquire about the payment history, and they informed me that the credit reporting agencies are not correctly furnishing the information that the company is providing. Please explain how you first reported this account 30 days late in XX/XX/XXXX, then 30 days late again the next month? You are also reporting 30 days late in XXXX after you already reported it 120 days late which is not correct. Due to your obvious gross misconduct and false reporting, I demand that reporting of this account is ceased until further investigation is completed. This is a fair warning before I am obligated to move forward with legal action due to the clear errors on my consumer report. I have attached my credit report to show the many inaccuracies and inconsistencies between the XXXX bureaus. You are to remove all late payments from this account or remove this account altogether within 21 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX  Date opened XXXX XXXX amount, original balance {$1300.00}, current balance {$1300.00}. I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .

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 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Ive reach out to this community affirm on several occasions requesting them to dilute this transaction against this merchant since the merchant cancelled my order and never refunded me. Its always a hassle on long period of time for this company to open a dispute and investigate what happen, they always push you around and the end they never respond or update. I have submitted all the proof showing the merchant canceled my order and never issue me my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally complain about Equifax 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Equifax failed to address or correct the inaccuracies in my credit file appropriately. I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Delete the account. 

XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( XXXX ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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:
Im filing a complaint regarding ongoing issues with Shellpoint Mortgage Servicing related to the recast of my mortgage account managed by their service. Despite numerous communications and explicit assurances from various representatives of Shellpoint Mortgage, the lack of definitive action and clear communication from their end is unacceptable. 

On XX/XX/2024, at approximately XXXX XXXX, I was promised a recast information packet via mail after contacting their direct message department and speaking to a customer service representative. This packet never arrived. Subsequent communications on XX/XX/XXXX and XXXX XXXX, XXXX, reassured me of the mail-out of necessary information, which I also never received. Despite these setbacks, I proceeded with the instructions given over a phone call on XX/XX/2024, to wire an amount exceeding 5 % of my mortgage balance to initiate the recast. 

Following the confirmation of receipt of the wired funds of {$830000.00} on XX/XX/2024, and XX/XX/2024 by calling customer service I was once again promised a form by mail to finalize the recast process within 7 days. This promise, like the others, was unmet. On XX/XX/2024, I was informed by calling customer service to pay a {$250.00} recast fee, which I paid over the phone and was told would be resolved in 24 hours and that my complaint was escalated. 

The most troubling communication occurred on XX/XX/2024, when contradictory information was provided by their staff, I was told I would receive an email within and hour and that my recast would be posted in four days. I never received and called back a few hours later and was told that was impossible and that my recast request had not been processed due to an investor approval requirementa detail that was never mentioned in our previous interactions. Furthermore, I called back on XX/XX/XXXX and it was revealed that the {$250.00} fee had mistakenly been applied to my mortgage principal instead of the recast fee. I was then informed that my recast can not be under review until I sign necessary paperwork that they are still withholding and that approval can take more than 60 days. 

The continual misinformation, misallocation of funds, and Shellpoints inability to provide consistent and accurate updates have not only caused significant inconvenience but also financial disadvantage, as I am currently incurring high interest costs unnecessarily. As of today, I have invested {>= $1,000,000} in payments without seeing any progress or proper management of my recast request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-05-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: ME

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion, XXXX, and XXXX are reporting inaccurate information.

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 2024-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I have reason to believe this collection is fraudulent or is attempting to collect a debt that I do not owe from a previously disputed 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 2024-05-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief